CN117611251A - Block chain-based integral management method, device, system and equipment - Google Patents

Block chain-based integral management method, device, system and equipment Download PDF

Info

Publication number
CN117611251A
CN117611251A CN202311374389.1A CN202311374389A CN117611251A CN 117611251 A CN117611251 A CN 117611251A CN 202311374389 A CN202311374389 A CN 202311374389A CN 117611251 A CN117611251 A CN 117611251A
Authority
CN
China
Prior art keywords
target object
blockchain
account
point
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202311374389.1A
Other languages
Chinese (zh)
Inventor
曹飞
张宏
凡颖
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Industrial and Commercial Bank of China Ltd ICBC
Original Assignee
Industrial and Commercial Bank of China Ltd ICBC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN202311374389.1A priority Critical patent/CN117611251A/en
Publication of CN117611251A publication Critical patent/CN117611251A/en
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Databases & Information Systems (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Tourism & Hospitality (AREA)
  • Educational Administration (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Computing Systems (AREA)
  • Technology Law (AREA)
  • Data Mining & Analysis (AREA)
  • General Engineering & Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application provides a block chain-based integral management method, device, system and equipment, and relates to the field of block chains. The method comprises the following steps: issuing points to the target object account and storing the point issuing information on the blockchain; according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account; and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain. The method can improve the efficiency and accuracy of integral management.

Description

Block chain-based integral management method, device, system and equipment
Technical Field
The present disclosure relates to the field of blockchains, and in particular, to a blockchain-based point management method, device, system, and apparatus.
Background
In order to promote the precision of digital social management and deeply implement digital rural development actions, the digital energization rural industrial development, rural construction and rural management are utilized, the digital life intellectualization is popularized, the intelligent convenient life circle, the novel digital consumption state and the future-oriented intelligent immersive service experience are created, and the management modes of perfect popularization integration, digitalization and the like can be adopted.
However, when country point management is pushed in the floor, manual processing is adopted for the whole point exchange flow, pain points are highlighted in the actual operation process, and the method becomes a bottleneck for large-scale popularization: first, the error rate of manual integration reconciliation is high, the efficiency is low, and under the condition of large integration quantity, the embarrassment of failing to reconcile is likely to occur. Secondly, along with the expansion of the popularization range, the workload of personnel scale, item content, process management and other aspects is greatly increased, and the difficulty of information centralized management is high.
Therefore, the prior art cannot efficiently and accurately implement the point management.
Disclosure of Invention
The application provides a block chain-based point management method, device, system and equipment, which are used for solving the problem that the prior art cannot efficiently and accurately realize point management.
In a first aspect, the present application provides a blockchain-based point management method, applied to a point management center, the method including:
issuing points to the target object account and storing the point issuing information on the blockchain;
according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account;
and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain.
In a second aspect, the present application provides a blockchain-based point management device for use in a point management center, the device comprising:
the issuing module is used for issuing points to the target object account and storing the point issuing information on the blockchain;
the management module is used for performing financial verification with the transaction platform through the blockchain according to a preset time period; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account;
and the sending module is also used for sending a payment application request to the target object collective account according to the financial verification result so that the target object collective account pays the corresponding amount to the transaction platform and storing the fund clearing information on the blockchain.
In a third aspect, the present application provides a blockchain-based point management system, comprising: the system comprises a point management center, a target object account, a target object collective account and a transaction platform;
the integration management center is used for executing the method according to any one of the first aspect;
the transaction platform is used for supporting a target object to exchange points for commodities through the corresponding target object account, verifying and selling the points in the target object account in real time, and storing the post-transaction point settlement information on a blockchain;
the target object account is used for storing the post-transaction point consumption information on a blockchain;
and the target object collective account is used for paying corresponding amount to the transaction platform when receiving a payment application request sent by the point management center, and storing the fund clearing information on a blockchain.
In a fourth aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored by the memory to implement the method of any one of the aspects.
In a fifth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for performing the method of any one of the aspects when executed by a processor.
In a sixth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of the aspects.
The method, the device, the system and the equipment for managing the credits based on the blockchain are used for distributing the credits to the target object account and storing the credit distribution information on the blockchain; according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account; and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain. Therefore, the method and the device synchronize the relevant information of the points generated in the point links involved in the point exchange process to the blockchain, ensure the safety based on the characteristics of the blockchain, realize convenience and intellectualization of point management, do not need manual account checking, and improve efficiency and accuracy.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
Fig. 1 is a schematic view of a scenario of a blockchain-based point management method according to an embodiment of the present disclosure;
FIG. 2 is a flowchart of a blockchain-based point management method according to an embodiment of the present disclosure;
FIG. 3 is a flowchart of a blockchain-based point management method according to yet another embodiment of the present disclosure;
FIG. 4 is a schematic structural diagram of a blockchain-based point management device according to an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Specific embodiments thereof have been shown by way of example in the drawings and will herein be described in more detail. These drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.
It should be noted that the method, apparatus, system and device for blockchain-based point management provided in the present application may be used in the blockchain field, and may also be used in any field other than the blockchain, and the application field of the method, apparatus, system and device for blockchain-based point management provided in the present application is not limited.
The following exemplifies the process from credit issuing to credit verification, etc., and an exemplary description will be given of a blockchain-based credit management method.
In practical application, referring to fig. 1, fig. 1 is a schematic view of a scenario of a blockchain-based point management method according to an embodiment of the present application. The subject of execution of the blockchain-based point management method may be a point management center (e.g., a village level point management center) in a blockchain-based point management system, which may be deployed in an electronic device. The blockchain-based point management system also includes a target object account (e.g., a village account), a target object collective account (e.g., a village collective account), and a transaction platform (e.g., a mall, which may include an online mall, an offline mall; wherein a mall operator is responsible for mall compliance operations, maintenance, etc.).
Illustratively, the village level points management center issues points to villagers via online channels, i.e., sends points to village accounts. Point issuance information (which may include an issued point value, point issuance time, account ID of point issuance, identity information of a target object (e.g., village), etc.) is stored in a chain; villagers query points through online channels (e.g., APP or applet, etc.) and select goods in online malls or offline malls, and point consumption information (which may include the point of consumption, point consumption time, account ID of point consumption, etc.) is stored in the chain. Taking an online mall as an example, online mall background real-time verification and point accounting information (which can comprise verification and point accounting integral values, verification and point accounting time and account IDs corresponding to verification and point accounting) is stored in a uplink manner; the village level point management center automatically checks accounts with the online mall periodically (for example, checks whether the verified point is consistent with the consumed point, etc.); the village level credit management center issues a payment application to a village collective account, which pays funds to an on-line mall, and funds clearing information (which may include the amount of funds that have been charged for the corresponding credit, etc.) is stored in a chain.
The fund sources of the village collective account mainly comprise financial money, village collective economy, social donation and the like, and the fund sources and the fund account information are stored in a chain.
Specifically, referring to fig. 2, when a funds issuer issues a special funds to a village level manager (e.g., a target object collective account, such as a village collective account) or a donator completes donation to the village level manager (for managing the target object collective account and a point management center) through payment (here, stores funds into the target object collective account), funds related information is broadcast to each node, and a set () method of an intelligent contract common library is called to update total points; after receiving the funds, the village level manager can instruct an integral management center (for example, the village level integral management center is responsible for integral management) to convert the funds into the integral, send the integral to a target object, for example, a village, namely, call the integral to a target object account of a corresponding target object, call a set () method of an intelligent contract public library to update the total integral and the integral of each target object account, then the village consumes the integral through an online lower merchant and/or an online mall of the integral, call a set () method of the intelligent contract public library to update the total integral and the corresponding account integral (for example, the account integral of a consumer, the account integral corresponding to the merchant or the mall, and the like), and each integral issuing information and integral consumption information can be recorded on a blockchain, so that the system is tamper-proof; meanwhile, settlement from village level management party to merchant (merchant) is recorded in the blockchain, so that the authenticity of information and each operation is ensured.
Meanwhile, the fund issuer and the donator are given channels and authorities for supervising the points, both parties can supervise, and if the total points deviate from the fund account, the problems can be found by tracing, so that the openness and transparency of the project are ensured.
The data transmission method aims at solving the technical problems in the prior art.
The following describes the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 3 is a flowchart of a blockchain-based point management method according to another embodiment of the present application, where the method may include:
s301, issuing points to the target object account and storing the point issuing information on the blockchain.
In this embodiment, the execution subject may be an integration management center, which may be disposed in an electronic device, where the electronic device may be a terminal device or a server, and is not limited herein. Taking a terminal device as an example, the terminal device can be a computer and is used for carrying out online management on the points, so that the point management can be efficiently and accurately realized while the safety and the authenticity are ensured.
Specifically, when the fund issuer issues a special fund to the village level manager or the donator completes donation to the village level manager through payment, the fund related information is broadcast to each node, and a set () method of the intelligent contract public library is called to update the total points; after receiving the funds, the village level manager converts the funds into points through the point management center and distributes the points to the target object, namely, distributes corresponding points to the account of the target object, and stores the point distribution information on the blockchain.
S302, performing financial verification with the transaction platform through the blockchain according to a preset time period.
The transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain.
In this embodiment, the point management center may automatically perform financial verification with the transaction platform at regular intervals, and if the verification is consistent, may send a payment application request to the target object group account, and pay funds to the corresponding transaction platform, for example, a merchant or merchants or a mall, by the target object group account.
S303, sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain.
In this embodiment, if the financial checkup is consistent, and the payment amount is determined, and a payment application request carrying the payment amount is sent to the target object group account, the target object group account pays the corresponding amount to the corresponding transaction platform, and the funds clearing information including the transaction record is stored on the blockchain.
According to the credit management method based on the blockchain, credits are issued to a target object account, and credit issuing information is stored on the blockchain; according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account; and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain. Therefore, the method and the device synchronize the relevant information of the points generated in the point links involved in the point exchange process to the blockchain, ensure the safety based on the characteristics of the blockchain, realize convenience and intellectualization of point management, do not need manual account checking, and improve efficiency and accuracy.
In one possible design, the target object is an individual in the target object group, and the target objects are a plurality of target objects; the issuing points to the target object account includes:
and responding to the indication operation of the point issuing information sent by the target object collective account, issuing corresponding points to each target object account according to the point issuing information, wherein the points are used for exchanging commodities on the transaction platform.
Here, an individual may refer to a user or a person, and the name of the point issuing needs to be determined based on the actual application scenario, and the point issuing is issued in a unit of a user or in a unit of a person, which is not particularly limited herein.
In this embodiment, after receiving funds or receiving funds accounting prompts, the target object collective accounts send indication information for indicating the point issuing information to the point management center, and the point management center executes corresponding indication operation based on the indication information, that is, issues corresponding points to each target object account according to the point issuing information, so as to support commodities on each target object exchange transaction platform. The point issuance information includes an object ID (here, target object account ID) of point issuance, an integrated value to be issued to each target object account, and the like.
In one possible design, the financial verification with the transaction platform through a blockchain according to a preset time period includes:
inquiring point consumption information of a target object account subjected to transaction in the preset time period and point settlement information after the transaction uploaded by the transaction platform through a blockchain according to the preset time period;
and performing financial verification on the point consumption information and the point settlement information, and if the results of the financial verification are consistent, determining to send a payment application request to a target object collective account.
In one possible design, the verification result includes a credit for verification and a corresponding amount to be paid; the target object collective account is specifically used for: and determining the payable amount according to the verified points, checking the payable amount with the to-be-paid amount according to the payable amount, and paying the corresponding amount to the transaction platform if the amount checking is consistent.
In this embodiment, the point management center may query, according to a preset time period, details of a transaction recorded on a chain through a blockchain, that is, by searching point consumption information of a target object account in which a transaction occurs in the preset time period and point settlement information uploaded after the transaction occurs on a transaction platform, and comparing whether the point value of consumption recorded in the point consumption information is consistent with the point value settled in the point settlement information, if so, determining that a payment request may be sent to a target object collective account, where the point settlement information further includes a to-be-paid amount corresponding to the settled point, and the payment request includes the point of a verification pin and the corresponding to-be-paid amount.
In one possible design, the reimbursed credits are determined when the credits consumed in the credit consumption information recorded on the blockchain and the credits settled in the credit settlement information agree, and the consumed credits or the settled credits are taken as the reimbursed credits.
In this embodiment, when the points consumed in the point consumption information recorded on the blockchain and the points settled in the point settlement information agree, the points that are verified are determined to be the points consumed or the points settled.
Specifically, after receiving a payment application request, the target object collective account determines the payable amount based on the reimbursed points carried in the payment application request, compares the payable amount with the amount to be paid, and if the payable amount is consistent with the amount to be paid, determines to pay the corresponding amount to the transaction platform and executes payment operation. If the payable amount is inconsistent with the to-be-paid amount, whether the amount is inconsistent due to inconsistent points or the amount is inconsistent due to inconsistent exchange rules of the points and the amount can be searched again based on the blockchain in order to ensure the payment accuracy.
In one possible design, the target object account is used to support target object real-time query points.
In this embodiment, the target object may query the points through an online channel and purchase the goods in the online mall, and the point consumption information is stored in a link.
In one possible design, the method further comprises:
receiving a request of a complaint application sent by a target object account, wherein the request of the complaint application is used for requesting to apply for complaints on a point verification value or a point balance objection;
and verifying transaction data corresponding to the point verification or the point balance through the blockchain according to the request of the complaint application, and sending verification information of the transaction data to a client where the target object account is located.
In this embodiment, if there is a problem in the target object by querying the points in the target object account, for example, there is objection to the point accounting value or the point balance, verification and tracing may be requested by complaint means: firstly, a complaint application request is carried out to an integral management center in the modes of APP, applet or contact phone and the like, and the integral management center receives a complaint application request sent by a target object account and is used for requesting to apply for complaints on the account verification value or the objection of the account balance; the point management center verifies transaction data corresponding to point verification or point balance through a blockchain according to the request of the complaint application, and sends verification information of the transaction data to a client where a target object account is located or contact equipment where the target object is registered, the target object confirms the verification information, if the verification is confirmed to be effective, the operations of registration, updating, storage and the like are carried out according to the result corresponding to the verification information, and if the verification information has doubt, the complaint can be continued to the upper management center of the point management center.
In the method, fund and point circulation supervision of point management platform projects such as rural treatment are completed through a block chain platform built by banks, point exchange malls APP are built synchronously, related units, merchants, users and other multiparty information sharing platforms are built as point consumption channels, information sharing links are broken through, multiparty trust mechanisms are built, and rural vibration safety construction is further improved.
In order to establish a strong trust relationship between multiple parties, the public trust problem is solved, the rural point construction system is perfected, the bank provides a blockchain infrastructure service (bias), relevant units, merchants, villagers and banks serve as participants, relevant information of rural point projects is distributed at corresponding nodes and broadcast to all nodes, and thus, the data tampering of all nodes of the whole network is extremely difficult. A related entity (such as a funds issuer) issues a special funds to a village level manager, the system automatically converts the funds into corresponding points, and related information is broadcast to each node. The points are issued to village people, village people on-line down merchants or on-line mall consumption points through the point management center, point settlement and fund clearing are carried out on the village and village level management parties, and each time the point issuing information, the point consumption information, the point settlement, the fund account and the fund clearing information are all uplink, so that the authenticity of fund information and point circulation operation is ensured, and the construction of an assisted digital village application scene is carried out.
The blockchain has the advantages of decentralization, disclosure transparency, traceability of information, automatic execution through intelligent contracts and the like, and is matched with the integrating circulation supervision requirement. The bank provides a query information platform while perfecting the flow, and expands channels to enable the participants to know information conditions in time. And storing and solidifying each piece of integral circulation data in the project in a blockchain, and checking and supervising all parties if the total integral deviates from a fund account, so as to ensure the openness and transparency of the project.
Therefore, the electronic integrating card based on the block chain is adopted to replace a paper integrating card, so that the problem of false making of the integrating card is avoided; and the automatic checking of the points based on the blockchain is adopted to replace manual counting of the points, so that the error rate is low and the efficiency is high. The bank assists the village level point management center to manage the existing funds (for example, the bank is responsible for the point and the mall system is built (for example, the point management center and the like), and the funds settlement and the like), so that risks can be effectively avoided, and the funds safety coefficient can be improved. With the expansion of the popularization range, the workload of personnel scale, item content, process management and the like is increased, and the information centralized management difficulty can be effectively reduced by adopting the method and the device, so that the service can be promoted comprehensively.
The application provides a block chain based point management system, comprising: the system comprises a point management center, a target object account, a target object collective account and a transaction platform; wherein the points management center is configured to perform the method of any one of the first aspects above.
The transaction platform is used for supporting the target object to exchange points for commodities through the corresponding target object account, verifying and selling the points in the target object account in real time, and storing the post-transaction point settlement information on the blockchain.
The target object account is used for storing the post-transaction point consumption information on the blockchain.
And the target object collective account is used for paying corresponding amount to the transaction platform when receiving a payment application request sent by the point management center, and storing the fund clearing information on a blockchain.
It should be noted that, the implementation of the blockchain-based point management system may refer to the embodiments described in fig. 1-3, and specific implementation steps are not repeated.
In order to implement the blockchain-based point management method, the embodiment provides a blockchain-based point management device, referring to fig. 4, and fig. 4 is a schematic structural diagram of the blockchain-based point management device provided in the embodiment of the present application; the block chain-based point management device is applied to a point management center, and comprises: a dispensing module 401, a management module 402, and a sending module 403.
The issuing module 401 is configured to issue points to the target object account, and store the point issuing information on the blockchain;
the management module 402 is configured to perform financial verification with the transaction platform through the blockchain according to a preset time period; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account;
and the sending module 403 is further configured to send a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and store the funds clearing information on the blockchain.
In this embodiment, the issuing module 401, the management module 402, and the sending module 403 are configured to issue points to the target account, and store the point issuing information on the blockchain; according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account; and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain. Therefore, the method and the device synchronize the relevant information of the points generated in the point links involved in the point exchange process to the blockchain, ensure the safety based on the characteristics of the blockchain, realize convenience and intellectualization of point management, do not need manual account checking, and improve efficiency and accuracy.
The device provided in this embodiment may be used to implement the technical solution of the foregoing method embodiment, and its implementation principle and technical effects are similar, and this embodiment will not be described herein again.
In one possible design, the target object is an individual in the target object group, and the target objects are a plurality of target objects; the sending module is specifically configured to:
and responding to the indication operation of the point issuing information sent by the target object collective account, issuing corresponding points to each target object account according to the point issuing information, wherein the points are used for exchanging commodities on the transaction platform.
In one possible design, the management module is specifically configured to:
inquiring point consumption information of a target object account subjected to transaction in the preset time period and point settlement information after the transaction uploaded by the transaction platform through a blockchain according to the preset time period;
and performing financial verification on the point consumption information and the point settlement information, and if the results of the financial verification are consistent, determining to send a payment application request to a target object collective account.
In one possible design, the verification result includes a credit for verification and a corresponding amount to be paid; the target object collective account is specifically used for: and determining the payable amount according to the verified points, checking the payable amount with the to-be-paid amount according to the payable amount, and paying the corresponding amount to the transaction platform if the amount checking is consistent.
In one possible design, the reimbursed credits are determined when the credits consumed in the credit consumption information recorded on the blockchain and the credits settled in the credit settlement information agree, and the consumed credits or the settled credits are taken as the reimbursed credits.
In one possible design, the target object account is used to support target object real-time query points.
In one possible design, the apparatus further comprises: a processing module; a processing module for:
receiving a request of a complaint application sent by a target object account, wherein the request of the complaint application is used for requesting to apply for complaints on a point verification value or a point balance objection;
and verifying transaction data corresponding to the point verification or the point balance through the blockchain according to the request of the complaint application, and sending verification information of the transaction data to a client where the target object account is located.
In order to implement the method of the above embodiment, the present embodiment provides an electronic device. Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 5, the electronic device 50 of the present embodiment includes: a processor 501 and a memory 502 communicatively coupled to the processor; wherein, the memory 502 is used for storing computer execution instructions; a processor 501 for executing computer-executable instructions stored in a memory to perform the steps performed in the above embodiments. Reference may be made in particular to the relevant description of the embodiments of the method described above.
Embodiments of the present application also provide a computer-readable storage medium having stored therein computer-executable instructions that, when executed by a processor, implement the method as described above.
Embodiments of the present application also provide a computer program product comprising a computer program which, when executed by a processor, implements a method as described above.
In the several embodiments provided in this application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple modules may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or modules, which may be in electrical, mechanical, or other forms. In addition, each functional module in each embodiment of the present application may be integrated in one processing unit, or each module may exist alone physically, or two or more modules may be integrated in one unit. The units formed by the modules can be realized in a form of hardware or a form of hardware and software functional units.
The integrated modules, which are implemented in the form of software functional modules, may be stored in a computer readable storage medium. The software functional module is stored in a storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (english: processor) to perform some of the steps of the methods described in the embodiments of the present application. It should be understood that the above processor may be a central processing unit (english: central Processing Unit, abbreviated as CPU), or may be other general purpose processors, digital signal processors (english: digital Signal Processor, abbreviated as DSP), application specific integrated circuits (english: application Specific Integrated Circuit, abbreviated as ASIC), or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.
The memory may comprise a high-speed RAM memory, and may further comprise a non-volatile memory NVM, such as at least one magnetic disk memory, and may also be a U-disk, a removable hard disk, a read-only memory, a magnetic disk or optical disk, etc. The bus may be an industry standard architecture (Industry Standard Architecture, ISA) bus, an external device interconnect (Peripheral Component, PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, among others. The buses may be divided into address buses, data buses, control buses, etc. For ease of illustration, the buses in the drawings of the present application are not limited to only one bus or one type of bus. The storage medium may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.
An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an application specific integrated circuit (Application Specific Integrated Circuits, ASIC for short). It is also possible that the processor and the storage medium reside as discrete components in an electronic device or a master device.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the method embodiments described above may be performed by hardware associated with program instructions. The foregoing program may be stored in a computer readable storage medium. The program, when executed, performs steps including the method embodiments described above; and the aforementioned storage medium includes: various media that can store program code, such as ROM, RAM, magnetic or optical disks.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It is to be understood that the present application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (12)

1. A blockchain-based point management method, applied to a point management center, the method comprising:
issuing points to the target object account and storing the point issuing information on the blockchain;
according to a preset time period, performing financial verification with a transaction platform through a blockchain; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account;
and sending a payment application request to a target object collective account according to the financial verification result, so that the target object collective account pays a corresponding amount to the transaction platform, and storing the fund clearing information on a blockchain.
2. The method of claim 1, wherein the target object is an individual in the target object set, the target object being a plurality; the issuing points to the target object account includes:
and responding to the indication operation of the point issuing information sent by the target object collective account, issuing corresponding points to each target object account according to the point issuing information, wherein the points are used for exchanging commodities on the transaction platform.
3. The method of claim 1, wherein the performing a financial reconciliation with the transaction platform via a blockchain based on the predetermined time period comprises:
inquiring point consumption information of a target object account subjected to transaction in the preset time period and point settlement information after the transaction uploaded by the transaction platform through a blockchain according to the preset time period;
and performing financial verification on the point consumption information and the point settlement information, and if the results of the financial verification are consistent, determining to send a payment application request to a target object collective account.
4. The method of claim 1, wherein the verification result includes a credit for the verification and a corresponding amount to be paid; the target object collective account is specifically used for: and determining the payable amount according to the verified points, checking the payable amount with the to-be-paid amount according to the payable amount, and paying the corresponding amount to the transaction platform if the amount checking is consistent.
5. The method of claim 4, wherein the reimbursed credits are determined when the credits consumed in the credit consumption information recorded on the blockchain and the credits settled in the credit settlement information agree, and wherein the consumed credits or the credits settled are taken as the reimbursed credits.
6. The method of claim 1, wherein the target object account is used to support target object real-time query points.
7. The method according to any one of claims 1-6, further comprising:
receiving a request of a complaint application sent by a target object account, wherein the request of the complaint application is used for requesting to apply for complaints on a point verification value or a point balance objection;
and verifying transaction data corresponding to the point verification or the point balance through the blockchain according to the request of the complaint application, and sending verification information of the transaction data to a client where the target object account is located.
8. A blockchain-based point management device for use in a point management center, the device comprising:
the issuing module is used for issuing points to the target object account and storing the point issuing information on the blockchain;
the management module is used for performing financial verification with the transaction platform through the blockchain according to a preset time period; the transaction platform is used for supporting a target object to exchange points for commodities through a corresponding target object account, verifying and verifying the points in the target object account in real time, storing the post-transaction point settlement information on a blockchain, and storing the post-transaction point consumption information on the blockchain by the target object account;
and the sending module is also used for sending a payment application request to the target object collective account according to the financial verification result so that the target object collective account pays the corresponding amount to the transaction platform and storing the fund clearing information on the blockchain.
9. A blockchain-based point management system, comprising: the system comprises a point management center, a target object account, a target object collective account and a transaction platform;
the points management center for performing the method of any one of claims 1-7;
the transaction platform is used for supporting a target object to exchange points for commodities through the corresponding target object account, verifying and selling the points in the target object account in real time, and storing the post-transaction point settlement information on a blockchain;
the target object account is used for storing the post-transaction point consumption information on a blockchain;
and the target object collective account is used for paying corresponding amount to the transaction platform when receiving a payment application request sent by the point management center, and storing the fund clearing information on a blockchain.
10. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 7.
11. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 7.
12. A computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the method of any of claims 1-7.
CN202311374389.1A 2023-10-23 2023-10-23 Block chain-based integral management method, device, system and equipment Pending CN117611251A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311374389.1A CN117611251A (en) 2023-10-23 2023-10-23 Block chain-based integral management method, device, system and equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311374389.1A CN117611251A (en) 2023-10-23 2023-10-23 Block chain-based integral management method, device, system and equipment

Publications (1)

Publication Number Publication Date
CN117611251A true CN117611251A (en) 2024-02-27

Family

ID=89956882

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202311374389.1A Pending CN117611251A (en) 2023-10-23 2023-10-23 Block chain-based integral management method, device, system and equipment

Country Status (1)

Country Link
CN (1) CN117611251A (en)

Similar Documents

Publication Publication Date Title
US20180197167A1 (en) System and method for person-to-person payments
CN109961365B (en) Account receiving record processing method and system based on block chain intelligent contract
US8036963B2 (en) System and method for updating merchant payment data
RU2013158871A (en) MONEY TRANSACTION SYSTEM
CN110910230A (en) Accounting method, accounting system and storage medium
US8892468B1 (en) Customer refunds by a merchant agent
CN109919758B (en) Method and system for social savings platform via blockchain
CN104252672A (en) Payment transaction system integrating cloud service
CN112465489A (en) Payment service processing method and device and machine-readable storage medium
US20040034597A1 (en) System and method for managing micropayment transactions, corresponding client terminal and trader equipment
KR20010082133A (en) System and method for managing a payment relation between the enterprises
CN113011879B (en) Associated transaction data processing method, device and server
CN112330448A (en) Fund management method, terminal device and storage medium
CN112991054A (en) Electric power futures contract design method based on block chain
CN111401873A (en) Task creation method and device, storage medium and electronic equipment
KR20210060982A (en) A Cryptographic liquidity borrowing method and a system using block chain with default resistance
CN117611251A (en) Block chain-based integral management method, device, system and equipment
JP6183867B1 (en) Notional pooling system and notional pooling method
CN209248589U (en) Quick payment device
CN112163858A (en) Transaction method, device and equipment
WO2007010353A1 (en) A system to enable a user to effect a payment to a third party and a method of operating the system
CN110599344A (en) Foundation transaction data processing method and device based on block chain
KR100508055B1 (en) A capital loaning system and a method for managing the same over on/off line
KR20210061001A (en) An Apparatus for the block chain based loan financial services provider
KR20140112843A (en) Method for providing project financing loan service and server performing the same

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination