CN106408279A - Decentralized stored-value voucher management method and system - Google Patents
Decentralized stored-value voucher management method and system Download PDFInfo
- Publication number
- CN106408279A CN106408279A CN201610847914.0A CN201610847914A CN106408279A CN 106408279 A CN106408279 A CN 106408279A CN 201610847914 A CN201610847914 A CN 201610847914A CN 106408279 A CN106408279 A CN 106408279A
- Authority
- CN
- China
- Prior art keywords
- stored value
- payment
- value voucher
- transaction
- voucher
- 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
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a decentralized stored-value voucher management method and a decentralized stored-value voucher management system. The decentralized stored-value voucher management method is applied to user end equipment, and comprises the steps of: S1, initiating a secured transaction procedure to a third party platform for a predetermined transaction object, and generating a payment voucher; S2: completing a membership rights and interests negotiation between a merchant and the predetermined transaction object according to the payment voucher; S3, and generating a stored-value voucher, and completing membership transaction and generating a transaction record. The decentralized stored-value voucher management method and the decentralized stored-value voucher management system realize the decentralized management of the stored-value voucher, and realize the transfer purpose that a user can deal with the rights and interests corresponding to the stored-value voucher independently.
Description
Technical field
The present invention relates to the management domain of electronics member, particularly to a kind of management method of decentration Stored Value voucher and
System.
Background technology
In traditional commerce behavior, the Stored Value voucher of most of mechanism, in spite of for information-based form, the master of its record
Body or sovereignty, are all centered on mechanism.In other words, under such mechanism, the note that member can be repeated in different institutions
Carry same member's essential information.In such a situa-tion, in essential information change, the benefits information of different institutions belonging to member
Change, even rights and interests transfer all under the overall leadership by different mechanisms respectively, this restriction first in the sky, significantly hinder Stored Value with
The circulation of the corresponding rights and interests of card and transfer.
For example, member card majority describes useful life, member's rights and interests, member privilege, member's integration points, or even
Advance payment may be described.In traditional use scene, Stored Value voucher must be opened in affiliated trade company and use, Ren Hesuo
It is all centered on the storage carrier of this trade company that the information belonging to is recorded, if this trade company records mistake, record is lost, corresponding storage
Value voucher still can be with the storage information of trade company for recording foundation.
In other scene, the affiliated rights and interests of Stored Value voucher cannot be transferred the possession of privately, existing tradition transfer way Stored Value
The mode of voucher generally will not carry out registration in trade company side and change, and carry out registration if necessary and change, that is also only capable of in trade company
Hold to nullify into row information and change with registration, the autonomy for consumption is all greatly limited with convenience.
In other scene, member as being intended to carry out partial assignment or temporary transfer to the rights and interests being had, that existing biography
The information management mode centered on trade company of system, when particularly in the face of arriving trade companies most in a large number, in just more seeming traditional
Heart Stored Value credential management pattern significantly limit the occupation mode of Stored Value voucher.
In other scene, such as it is intended to trade companies different in a large number be carried out with Stored Value voucher using agreement change, each is not
Limit with commerce system, just unlikely realize this purpose.
Content of the invention
The invention provides a kind of realize the management method that user oneself manages the decentration Stored Value voucher of Stored Value voucher
And system.
In order to solve above-mentioned technical problem, the invention provides following technical scheme：
A kind of management method of decentration Stored Value voucher, methods described is applied in ustomer premises access equipment, and includes following
Step：
S1：Initiate guarantee transaction program for pre arranged trading object to third-party platform, and generate evidence for payment；
S2：The member's rights and interests being completed according to described evidence for payment and described pre arranged trading object between are consulted；
S3：Generate Stored Value voucher, and complete member's transaction and generate transaction record.
Wherein, described step S1 is further comprising the steps of：
S11：Third-party platform is entrusted to pre arranged trading object payment with payment program；
S12：After receiving the paying voucher of third-party platform return, generate corresponding evidence for payment；
Wherein, described evidence for payment at least includes the use of payment, digital cash, commodity amount, commodity or service
The access times of time limit, commodity or service.
Wherein, step S2 comprises the following steps：
S21：Described pre arranged trading object utilizes described evidence for payment to the identity of third-party platform validation of payment object, tests
Execution step S22 after card success；
S22：Described pre arranged trading object is held consultation really according to the commodity in evidence for payment, service and the Stored Value amount of money
Recognize；And described pre arranged trading object also carries out agreeing to checking to by the payment object described Stored Value voucher of autonomous management；
S23：Described pre arranged trading object obtains from third-party platform and pays the money that object entrusts payment in third-party platform
?.
Wherein, described third-party platform, after paying pre arranged trading object by the fund paying object delegate payment, is held
Row following steps：
A1：Third-party platform is notarized to this guarantee transaction program, and to corresponding to this guarantee transaction program
Evidence for payment is preserved；
A2：Result with regard to described guarantee transaction program is back to ustomer premises access equipment with evidence for payment by third-party platform.
Wherein, the method generating Stored Value voucher in step S3 includes：
S31A：Receive the result with regard to described guarantee transaction program and the evidence for payment of described third-party platform；
S32A：Described Stored Value voucher is generated according to described evidence for payment；
Wherein, described Stored Value voucher at least includes the information of trade company, the information of user, the Stored Value amount of money, digital cash, commodity
The consumption wayses of the useful life of quantity and/or service item, commodity and/or service, commodity and/or service and access times.
Wherein, the method completing member's transaction in step S3 comprises the following steps：
S31B：According to the service selecting or the request temporarily transferring request object, search and call the Stored Value voucher of preservation,
Consumed with Stored Value remaining sum therein；
S32B：By service or the amount of money of the estimated consumption of user side input transaction, trade company end is verified to described transaction,
Or the service by the estimated consumption of trade company's end input transaction or the amount of money, user side is verified to described, is held after being verified
Row step S33B；
S33B：Deduct service or the amount of money of transaction from described Stored Value voucher, and generate the transaction concluded the business corresponding to this
Record.
Wherein, in step S31B, when in not finding described Stored Value voucher or Stored Value voucher, Sorry, your ticket has not enough value, execution
Step S32C；
S32C：Execute the secondment program that the object holding Stored Value voucher to other temporarily transfers its Stored Value voucher, and to third party
Platform pays corresponding dealing money, to start third-party platform guarantee transaction program；
S33C：Send to the object holding the Stored Value voucher that request is temporarily transferred and temporarily transfer solicited message；Described secondment solicited message
In at least include ask temporarily transfer use quantity of service and/or the amount of money with to third-party platform payment evidence for payment；
S34C：Hold the verity of the information of requesting party of banknote validation secondment Stored Value voucher of Stored Value voucher, in checking
During for information truth and agreement its Stored Value voucher of secondment, using the evidence for payment receiving from third-party platform, to third party
Platform is collected money；Third-party platform generates and sends the confirmation of guarantee transaction simultaneously；
S35C：Temporarily transfer request object after receiving third-party platform and complete the confirmation of guarantee transaction, create corresponding to
The Stored Value voucher of the service temporarily transferred, and complete Stored Value voucher ownership transfer, when temporarily transferring request object using Stored Value voucher, redirect
Execution step S32B.
Wherein, in step S3, for the generation of described Stored Value voucher, consumption, the transaction note borrowing and being generated when transferring the possession of
In record, all the load time stabs, and carries out encipherment protection；And
Described transaction record carries out distributed book keeping operation backup using cloud or block chain technology, and provides standard access side
Formula is traded record for trade company and consults and verify.
Wherein, before carrying out communication interaction with described third-party platform, authentication program, described authentication journey are executed
Sequence is included to account and password, the magnetic stripe card with identity documents information or chip card, the wireless sense with identity documents information
Answer at least one in device, iris or fingerprint or the verification mode of vocal print.
In addition, present invention also offers a kind of management system of decentration Stored Value voucher, wherein said system application is such as
A kind of management method of upper described decentration Stored Value voucher, and described system includes：
Guarantee transaction module, it is configured to pre arranged trading object and initiates guarantee transaction program to third-party platform, and
Generate evidence for payment；
Stored Value voucher creation module, it is configured to be completed and described pre arranged trading object between according to described evidence for payment
Member's rights and interests are consulted, and generate Stored Value voucher after the completion of consulting；
Transaction modules, it is configured to execute management and the use of described Stored Value voucher, and generates corresponding transaction record.
Compared with prior art, the beneficial effects of the present invention is：
1st, system and method provided by the present invention, can help user be managed collectively its each trade company Stored Value with
Card, and transaction and registration proof procedure are safer；
2nd, system and method provided by the present invention can also be by the way of mutually other card users lend Stored Value voucher
To enjoy membership service, more practical；
3rd, system and method provided by the present invention are different from traditional privatization form voucher, but using a kind of open
The mode of formula manages member's rights and interests, therefore, can be by borrowing its storage to other holders when there is no corresponding Stored Value voucher
Value voucher, enjoys member's rights and interests with preferential on an equal basis rights and interests condition.
Brief description
Fig. 1 is the flow chart of one of embodiment of the present invention decentration Stored Value credential management method；
Fig. 2 is the flow chart of step S1 in the Fig. 1 in the embodiment of the present invention；
Fig. 3 is the flow chart of step S2 in the Fig. 1 in the embodiment of the present invention；
The flow chart for executing transaction program in step S3 in the Fig. 1 in the embodiment of the present invention for the Fig. 4；
Fig. 5 is the theory diagram of one of embodiment of the present invention decentration Stored Value voucher management system.
Specific embodiment
The principle of the disclosure is described referring now to some example embodiment.It is appreciated that these embodiments are merely for saying
Bright and help those skilled in the art to understand and the purpose of the embodiment disclosure and describe, rather than advise model of this disclosure
Any restriction enclosed.Content of this disclosure described here can in the way of described below outside various modes implement.
As described herein, term " inclusion " and its various variant are construed as open-ended term, it means that " bag
Include but be not limited to ".Term "based" is construed as " being based at least partially on ".Term " embodiment " it is understood that
For " at least one embodiment ".Term " another embodiment " is construed as " at least one other embodiment ".
Embodiments provide a kind of management method of decentration Stored Value voucher and system, wherein it is possible to pass through
This management method realizes the unified management to the member's rights and interests of its own for the user it is possible to realize the transfer of member's rights and interests, secondment
Etc. function, that is, by the information data managing its Stored Value voucher and stored value card that user is autonomous.
As shown in figure 1, being the flow chart of one of the embodiment of the present invention management method of decentration Stored Value voucher, its
In, the method in the present embodiment can be applied in ustomer premises access equipment, is easy to its Stored Value voucher of user management, and the present embodiment
Method may include following steps：
S1：Initiate guarantee transaction program for pre arranged trading object to third-party platform, and generate evidence for payment；
In the embodiment of the present invention, third-party platform can be used as the justice in transactions machine being traded between user and trade company
Structure, in order to provide safer transaction guarantee.It can be configured to a server or other any form of services
Terminal.Preferably, user and trade company can be registered respectively on third-party platform, to obtain user identity and trade company respectively
Identity, in order to the certification to user and trade company.In addition, in ustomer premises access equipment, may be displayed on third-party platform and registered
Trade company, in order to corresponding trade company execute transaction and member registration program.
When user can be directed to its service of selected merchant purchasing, commodity or carry out Stored Value, or need to temporarily transfer it
When he has the Stored Value voucher of the object of Stored Value voucher of required trade company, guarantee transaction program can be initiated to third-party platform,
The fund that will pay is entrusted to third-party platform.Pay corresponding fund when, also should send payer, beneficiary and
Payment, the information of the service bought, third-party platform receives fund and corresponding information, and when verifying authentic and valid,
Send evidence for payment to user, user side then can generate evidence for payment according to this evidence for payment.This evidence for payment at least includes
The access times of the useful life of payment, digital cash, commodity amount, commodity and/or service, commodity and/or service.
The object of Stored Value to be carried out or transaction in the present embodiment, can be selected by a kind of arbitrarily mode, such as touch-control
Mode, and by third-party platform pay corresponding Stored Value fund and submit to corresponding rights and interests.
As shown in Fig. 2 step S1 in the present embodiment is further comprising the steps of：
S11：Third-party platform is entrusted to pre arranged trading object payment with payment program；
S12：After receiving the paying voucher of third-party platform return, generate corresponding evidence for payment.Wherein, evidence for payment
At least include useful life, commodity or the service of payment, digital cash, commodity amount, service item, commodity or service
Access times.
S2：The member's rights and interests being completed according to evidence for payment and described pre arranged trading object between are consulted；
The evidence for payment that user side can be generated by it is related to trade company hold consultation enjoyed service, commodity
Member's benefits information.
Specifically, in the present embodiment, evidence for payment can be one group of Quick Response Code or serial number, or simply
Display payment, beneficiary and member's entitlement table.User, after receiving evidence for payment, can be made by this evidence for payment
Trade company is traded verifying, that is, validation of payment voucher can be checked by trade company, and by way of scanning Quick Response Code, verifies sequence
Number the arbitrary mode such as mode obtain the information in the oily voucher of blessing.And, when verifying to evidence for payment, can be right
Member's rights and interests therein are further consulted to change, and the member's rights and interests after updating are shared to third-party platform and use
In the end equipment of family.Meanwhile, after member's rights and interests consult to finish, submit, to third-party platform, the message that is proved to be successful to, with from the 3rd
Fang Pingtai obtains corresponding Stored Value fund.
Corresponding, as shown in figure 3, step S2 comprises the following steps：
S21：Described pre arranged trading object utilizes described evidence for payment to the identity of third-party platform validation of payment object, tests
Execution step S22 after card success；
S22：Described pre arranged trading object is held consultation really according to the commodity in evidence for payment, service and the Stored Value amount of money
Recognize；And described pre arranged trading object also carries out agreeing to checking to by the payment object described Stored Value voucher of autonomous management；
S23：Described pre arranged trading object obtains from third-party platform and pays the money that object entrusts payment in third-party platform
?.
Specifically, trade company by scanning Quick Response Code, the mode validation of payment voucher such as pattern recognition device, and can read
Information in exchange order, consults to confirm the information such as the Stored Value amount of money therein, commodity, service, quantity and number of times with user with this,
And submit the relevant information after consulting after the completion of consulting to, and ask corresponding Stored Value fund to third-party platform.3rd
Fang Pingtai, after the Stored Value amount of money is paid trade company, generates evidence for payment, and this evidence for payment is sent to user side.
In addition, trade company is based on evidence for payment, obtains and entrust fund and consult the step of corresponding member's rights and interests and can include：
S231：Trade company reads evidence for payment, and obtains Stored Value fund information therein and member's benefits information；Wherein trade company
It is arbitrarily square that the mode of reading evidence for payment can include scanning Quick Response Code, picture decoding, voice authentication, communication etc.
Formula.Wherein communication can be to include the modes such as bluetooth, zigbee, NF, radio communication, wifi.
S232：Trade company consults the content of member's rights and interests benefit with user, and submits final member's rights and interests to；
This negotiation mode can aspectant be consulted it is also possible to be consulted by network, embodiment of the present invention not limited to this.Its
In, member's rights and interests refer to commodity, service, number of times or the information such as quantity, time limit, amount that user enjoys.
S233：Trade company obtains described trust fund；
After submitting the member's rights and interests consulted to, the fund that user entrusts is paid pre arranged trading object by third-party platform
Predetermined account.
After the Stored Value fund of payment is checked and accepted by trade company, and after the completion of the final negotiation of member's rights and interests, can be certainly in user side
The corresponding Stored Value voucher of dynamic generation.Stored Value voucher in the present embodiment can be to generate evidence for payment after paying trust fund
When, the Quick Response Code representing membership and member's rights and interests of the membership number of generation or generation, or other
Meaning being capable of the corresponding acquisition membership of user and the mark of its corresponding member's rights and interests.
S3：Generate Stored Value voucher, and complete member's transaction and generate transaction record.
In the present embodiment, third-party platform by pay object delegate pay fund pay pre arranged trading object after,
Execution following steps：
A1：Third-party platform is notarized to this guarantee transaction program, and to corresponding to this guarantee transaction program
Evidence for payment is preserved；
A2：Result with regard to described guarantee transaction program is back to ustomer premises access equipment with evidence for payment by third-party platform.
And can be in the evidence for payment receiving third-party platform return and guarantee transaction journey as the user entrusting object
The result of sequence generates Stored Value voucher.Wherein, whether successfully the result of guarantee transaction program can include transaction, if trading object
Fail to consultations and user between or trading object disagrees transfer or temporarily transfers its Stored Value voucher, then the result returning is transaction
Unsuccessful, if trading object is collected the fund of trust and consulted successfully, the result of this transaction program is successfully.The present embodiment
In, as shown in figure 4, the premise generating Stored Value voucher in step S3 is successfully for transaction results, and the method generating Stored Value voucher
Including：
S31A：Receive the result with regard to described guarantee transaction program and the evidence for payment of third-party platform；
S32A：Described Stored Value voucher is generated according to described evidence for payment；
Wherein, described Stored Value voucher at least includes the information of trade company, the information of user, the Stored Value amount of money, digital cash, commodity
The consumption wayses of the useful life of quantity and/or service item, commodity and/or service, commodity and/or service and access times.
User generate Stored Value voucher after, can be traded, transfer the possession of, temporarily transfer by this Stored Value voucher or record management,
Inquiry.The method completing member's transaction in step S3 in the present embodiment comprises the following steps：
S31B：According to the service selecting or the request temporarily transferring request object, search and call the Stored Value voucher of preservation,
Consumed with Stored Value remaining sum therein；
S32B：By service or the amount of money of the estimated consumption of user side input transaction, trade company end is verified to described transaction,
Or the service by the estimated consumption of trade company's end input transaction or the amount of money, user side is verified to described, is held after being verified
Row step S33B；
In the present embodiment, when execution is corresponding to the transaction of trading item (service, commodity etc.), apply flexibly family to friendship in trade company
After being easily verified, corresponding dealing money can be deducted from the Stored Value fund of the Stored Value voucher being found, and/or from storage
Deduct described trading item in member's rights and interests of value voucher, and generate described transaction record.
The attribute of the transaction record in the present embodiment is not reproducible read-write, and it is possible to the side according to distributed book keeping operation
Formula generates this transaction record.That is, the transaction record in the present embodiment can store record respectively in different memorizeies
Or in data base, with respectively record management transaction record it is ensured that the safety of data.Transaction record in the present embodiment can wrap
Contain but be not limited to transaction number, exchange hour, negotiator, transaction trade company, dealing money, transaction categories, trading item, transaction item
Mesh number amount, trade comment etc..
In addition, user in selected trade company to be traded and inputs in projected service perhaps dealing money confirming
Afterwards, and after searching the Stored Value voucher successfully bought, merchant transaction can be started and confirm proving program, that is, trade company is to being paid
Dealing money, service content etc. verified.The method of this checking inputs password, reads in trade company including but not limited to by trade company
Confirm voucher or show read in by trade company with card evidence for payment confirm after pass agreement confirmation code etc. back, after proving program, should
Transaction success, then starts transaction record and completes distributed book keeping operation host program.Alternatively, it is also possible to be to be tested by user
Card.
S33B：Deduct service or the amount of money of transaction from described Stored Value voucher, and generate the transaction concluded the business corresponding to this
Record.
In the present embodiment, user directly can buy corresponding transaction content in ustomer premises access equipment, and pays interdependent
Dealing money, deducts this dealing money simultaneously from Stored Value voucher and generates transaction record.Stored Value can also be held to others
The side of holding of voucher borrows its Stored Value voucher, and pays corresponding dealing money, to realize the transfer to device voucher and secondment
Shared.
That is, in step S31B, if do not find that in described Stored Value voucher or Stored Value voucher, Sorry, your ticket has not enough value, execution
Step S32C；
S32C：Execute the secondment program that the object holding Stored Value voucher to other temporarily transfers its Stored Value voucher, and to third party
Platform pays corresponding dealing money, to start third-party platform guarantee transaction program；
In the present embodiment, before execution secondment program, need to obtain the Stored Value voucher holding trade company to be traded
The object holding Stored Value voucher information, and to hold Stored Value voucher object send temporarily transfer solicited message to ask to transfer the possession of it
Stored Value voucher；Temporarily transfer solicited message to include with regard to asking the secondment of Stored Value voucher to ask the information of object and asking secondment
Stored Value voucher, the required accordingly information transferring the possession of the service, commodity and dealing money temporarily transferred；
S33C：Send to the object holding the Stored Value voucher that request is temporarily transferred and temporarily transfer solicited message；Described secondment solicited message
In at least include ask temporarily transfer use quantity of service and/or the amount of money with to third-party platform payment evidence for payment；
In the present embodiment, the mode obtaining the object information holding Stored Value voucher can be held to third-party platform request
The information of user of corresponding Stored Value voucher or be sent out Stored Value request for credentials by way of network service, with
Obtain and hold information of object of Stored Value voucher etc., the invention is not restricted to this.
S34C：Hold the verity of the information of requesting party of banknote validation secondment Stored Value voucher of Stored Value voucher, in checking
During for information truth and agreement its Stored Value voucher of secondment, using the evidence for payment receiving from third-party platform, to third party
Platform is collected money；Third-party platform generates and sends the confirmation of guarantee transaction simultaneously；
Find hold asked Stored Value voucher hold Stored Value voucher object when, can to this hold Stored Value with
The object of card sends temporarily transfers requests verification information, to ask to temporarily transfer its Stored Value voucher.This secondment requests verification information can include
Part power-interest transfer or whole power-interest transfer and its remittance for the proceeds.The object holding Stored Value voucher is to the secondment solicited message receiving
Verified, if the verification passes, then return to request and temporarily transfer request banknote validation successful information；If checking is not passed through,
Return the information that checking is not passed through.And, be proved to be successful and agree to temporarily transfer Stored Value voucher when, can according to receive payment with
Demonstrate,prove to third-party platform gathering.
S35C：Temporarily transfer request object after receiving third-party platform and complete the confirmation of guarantee transaction, create corresponding to
The Stored Value voucher of the service temporarily transferred, and complete Stored Value voucher ownership transfer, when temporarily transferring request object using Stored Value voucher, redirect
Execution step S32B.
That is, passing through embodiments of the invention, its Stored Value voucher of the management that user can be autonomous, have across the epoch
Meaning.
Additionally, it is preferred that, in step S3 in the present embodiment, for the generation of Stored Value voucher, consumption, borrow and transfer when institute
Can stab load time in the transaction record generating, and carry out encipherment protection；And transaction record adopts cloud or block
Chain technology carries out distributed book keeping operation backup, and provides standard access way to be traded record for trade company to consult and verify.
And, the authentication program of user or trade company, body before carrying out communication interaction with third-party platform, can be executed
Part proving program includes the magnetic stripe card with password, carrying identity documents information to account or chip card, carries identity documents information
The verification mode of wire-less inductive devices, iris or fingerprint or vocal print at least one.
As shown in figure 5, the theory structure for one of the embodiment of the present invention management system of decentration Stored Value voucher
Figure, wherein, the system provided in the present embodiment can apply the management as above weighing a kind of described decentration Stored Value voucher
Method, and this system includes：Registering modules 100, guarantee transaction module 200, Stored Value voucher creation module 300 and transaction modules
400.Wherein, Registering modules 100 are registered on third-party platform 500, and obtain user identity；Trade company can also be simultaneously
Registered on third-party platform 500, to obtain merchant identification.Corresponding, third-party platform 500 can be the use succeeding in registration
Family and trade company distribute corresponding personal code work and trade company's code, to carry out authentication.
Guarantee transaction module 200 is used for initiating guarantee transaction program for pre arranged trading object to third-party platform, and raw
Become evidence for payment；It is interacted with third-party platform, to initiate guarantee transaction and just program.
In addition, user can select the trade company of wanted Stored Value and object to be traded, or can also select to be wanted
The transaction content of transaction or service content.In the present embodiment, above-mentioned selection operation can be carried out by a kind of arbitrarily mode, such as
The mode of touch-control,
Stored Value voucher creation module 300 can complete the membership and pre arranged trading object between according to generating evidence for payment
Benefit is consulted, and generates Stored Value voucher after the completion of consulting；
Transaction modules 400 can according to the execution of selected transaction content corresponding to selected trade company transaction, and raw
Become transaction record.In addition, this system can also include communication module carrying out transmission and the interaction of data, and can also include
Database memory module, for store transaction record.
Specifically, Stored Value voucher creation module 300 can according to select need handle the trading object of Stored Value program, to
Third-party platform 500 sends transaction verification request information, and receives the expression successful information of gathering from third-party platform 500
And the evidence for payment corresponding to the Stored Value fund entrusted and member's rights and interests generating；Based on the evidence for payment being received, in business
Family obtains Stored Value fund, and consults to complete generation Stored Value voucher after described member's rights and interests.Transaction verification request in the present embodiment
Information at least includes：Stored Value fund corresponding to this trade company and member's rights and interests to be enjoyed.
Transaction modules 400 can search the Stored Value voucher corresponding to trading object of acquisition, if finding this Stored Value
Voucher, then execute the transaction corresponding to described trading item, and when trade company passes through to described transaction verification, from found
Deduct corresponding dealing money in the Stored Value fund of Stored Value voucher, and/or deduct institute from member's rights and interests of described Stored Value voucher
State trading item, and generate described transaction record.
Further, transaction modules 400 are additionally configured to, when searching less than corresponding Stored Value voucher, hold to external request
The Stored Value voucher of corresponding trade company, and send secondment solicited message to the object holding Stored Value voucher holding this Stored Value voucher, with
Its Stored Value voucher is temporarily transferred in request.Hold the verity of the information of requesting party of banknote validation secondment Stored Value voucher of Stored Value voucher,
When being verified as information truth and agreeing to temporarily transfer its Stored Value voucher, using the evidence for payment receiving from third-party platform, to
Third-party platform is collected money；Third-party platform generates and sends the confirmation of guarantee transaction simultaneously；Temporarily transfer request object receiving
After third-party platform completes the confirmation of guarantee transaction, create the Stored Value voucher corresponding to the service temporarily transferred, and complete Stored Value
Voucher ownership transfer, temporarily transfer request object use Stored Value voucher when, execution trade company and user identity checking, and from Stored Value with
The content such as the corresponding amount of money and commodity, service is deducted in card.
In sum, present invention achieves the management of the Stored Value voucher of decentration, and user can be voluntarily to member's
Consumption, amount, transfer are managed and record, and facilitate the management to Stored Value voucher for the user itself.
Although the disclosure to be described with specific structural features and/or method action, but it is understood that will in appended right
The disclosure limiting in book is asked to be not necessarily limited to above-mentioned specific features or action.But, above-mentioned specific features and action are only public
Open the exemplary forms for implementing claim.
Claims (10)
1. a kind of management method of decentration Stored Value voucher is it is characterised in that methods described is applied in ustomer premises access equipment, and
Comprise the following steps：
S1：Initiate guarantee transaction program for pre arranged trading object to third-party platform, and generate evidence for payment；
S2：The member's rights and interests being completed according to described evidence for payment and described pre arranged trading object between are consulted；
S3：Generate Stored Value voucher, and complete member's transaction and generate transaction record.
2. method according to claim 1 is it is characterised in that described step S1 is further comprising the steps of：
S11：Third-party platform is entrusted to pre arranged trading object payment with payment program；
S12：After receiving the paying voucher of third-party platform return, generate corresponding evidence for payment；
Wherein, described evidence for payment at least include payment, digital cash, commodity amount, commodity or service useful life,
Commodity or the access times of service.
3. method according to claim 1 is it is characterised in that step S2 comprises the following steps：
S21：Described pre arranged trading object utilizes described evidence for payment to the identity of third-party platform validation of payment object, verifies into
Execution step S22 after work(；
S22：Described pre arranged trading object is held consultation confirmation according to the commodity in evidence for payment, service and the Stored Value amount of money；And
And described pre arranged trading object is also to carrying out agreeing to checking by paying object and manage independently described Stored Value voucher；
S23：Described pre arranged trading object obtains from third-party platform and pays the fund that object entrusts payment in third-party platform.
4. method according to claim 3 is it is characterised in that described third-party platform will pay what object delegate paid
After fund pays pre arranged trading object, execute following steps：
A1：Third-party platform is notarized to this guarantee transaction program, and to the payment corresponding to this guarantee transaction program
Voucher is preserved；
A2：Result with regard to described guarantee transaction program is back to ustomer premises access equipment with evidence for payment by third-party platform.
5. method according to claim 4 is it is characterised in that the method generating Stored Value voucher in step S3 includes：
S31A：Receive the result with regard to described guarantee transaction program and the evidence for payment of described third-party platform；
S32A：Described Stored Value voucher is generated according to described evidence for payment；
Wherein, described Stored Value voucher at least includes the information of trade company, the information of user, the Stored Value amount of money, digital cash, commodity amount
And/or the consumption wayses of useful life, commodity and/or service of service item, commodity and/or service and access times.
6. method according to claim 1 is it is characterised in that the method completing member's transaction in step S3 includes following step
Suddenly：
S31B：According to the service selecting or the request temporarily transferring request object, search and call the Stored Value voucher of preservation, with it
In Stored Value remaining sum consumed；
S32B：By service or the amount of money of the estimated consumption of user side input transaction, trade company end is verified to described transaction, or
By service or the amount of money of the estimated consumption of trade company's end input transaction, user side is verified to described, executes step after being verified
Rapid S33B；
S33B：Deduct service or the amount of money of transaction from described Stored Value voucher, and generate the transaction record concluded the business corresponding to this.
7. method according to claim 6 is it is characterised in that in step S31B, do not find described Stored Value voucher or
When in person's Stored Value voucher, Sorry, your ticket has not enough value, execution step S32C；
S32C：Execute the secondment program that the object holding Stored Value voucher to other temporarily transfers its Stored Value voucher, and to third-party platform
Pay corresponding dealing money, to start third-party platform guarantee transaction program；
S33C：Send to the object holding the Stored Value voucher that request is temporarily transferred and temporarily transfer solicited message；In described secondment solicited message extremely
Few quantity of service and/or the amount of money and evidence for payment to third-party platform payment including asking to temporarily transfer use；
S34C：Hold the verity of the information of requesting party of banknote validation secondment Stored Value voucher of Stored Value voucher, be verified as letter
When breath is truly and its Stored Value voucher is temporarily transferred in agreement, using the evidence for payment receiving from third-party platform, to third-party platform
Gathering；Third-party platform generates and sends the confirmation of guarantee transaction simultaneously；
S35C：Temporarily transfer request object after receiving third-party platform and complete the confirmation of guarantee transaction, create corresponding to secondment
Service Stored Value voucher, and complete Stored Value voucher ownership transfer, when temporarily transferring request object and using Stored Value voucher, redirect execution
Step S32B.
8. method according to claim 1 is it is characterised in that in step S3, for the generation of described Stored Value voucher, disappear
In the transaction record being generated when consumption, borrow and transfer, all load times stab, and carry out encipherment protection；And
Described transaction record carries out distributed book keeping operation backup using cloud or block chain technology, and provides standard access way to supply
Trade company is traded record and consults and verify.
9. method according to claim 1 is it is characterised in that before carrying out communication interaction with described third-party platform, hold
Row authentication program, described authentication program is included to account and password, the magnetic stripe card with identity documents information or core
Piece card, with identity documents information the verification mode of wire-less inductive devices, iris or fingerprint or vocal print at least one.
10. a kind of management system of decentration Stored Value voucher is it is characterised in that the application of described system is as in claim 1-9
A kind of management method of the decentration Stored Value voucher described in any one, and described system includes：
Guarantee transaction module, it is configured to pre arranged trading object and initiates guarantee transaction program to third-party platform, and generates
Evidence for payment；
Stored Value voucher creation module, it is configured to complete the member and described pre arranged trading object between according to described evidence for payment
Rights and interests are consulted, and generate Stored Value voucher after the completion of consulting；
Transaction modules, it is configured to execute management and the use of described Stored Value voucher, and generates corresponding transaction record.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610847914.0A CN106408279A (en) | 2016-09-23 | 2016-09-23 | Decentralized stored-value voucher management method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610847914.0A CN106408279A (en) | 2016-09-23 | 2016-09-23 | Decentralized stored-value voucher management method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106408279A true CN106408279A (en) | 2017-02-15 |
Family
ID=57996982
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610847914.0A Pending CN106408279A (en) | 2016-09-23 | 2016-09-23 | Decentralized stored-value voucher management method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106408279A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107274170A (en) * | 2017-06-15 | 2017-10-20 | 龙昌 | Consumption, which is supported, borrows management method, storage medium and system |
| CN107392769A (en) * | 2017-08-04 | 2017-11-24 | 现在（北京）支付股份有限公司 | Method of payment is withheld based on block chain technology |
| CN107437178A (en) * | 2017-07-26 | 2017-12-05 | 中体彩科技发展有限公司 | A kind of lottery ticket Account Registration method and electronic lottery systems |
| CN107833052A (en) * | 2017-10-27 | 2018-03-23 | 南京物联传感技术有限公司 | A kind of polymerization payment system and method for work based on block chain |
| CN109214792A (en) * | 2017-07-06 | 2019-01-15 | 万事达卡国际公司 | Via the method and system of the electronics coupons of block chain |
| WO2019019070A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Guarantee credit financing solution based on block chain |
| CN109544152A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Supply chain method of payment, cashing method, device, equipment and medium based on block chain |
| CN109741109A (en) * | 2019-01-03 | 2019-05-10 | 中国联合网络通信集团有限公司 | A member rights management method, management platform and management system |
| CN110390571A (en) * | 2018-04-18 | 2019-10-29 | 触信（厦门）智能科技有限公司 | The logical card management system of panorama block chain and method |
| CN110555696A (en) * | 2018-05-31 | 2019-12-10 | 厦门本能管家科技有限公司 | asset issuing method, system and device based on block chain guarantee |
| CN111402040A (en) * | 2019-01-02 | 2020-07-10 | 中国移动通信有限公司研究院 | An asset management method and system |
| CN113343208A (en) * | 2021-05-20 | 2021-09-03 | 网易（杭州）网络有限公司 | Certificate authorization method, device, terminal and storage medium |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN202331558U (en) * | 2011-08-24 | 2012-07-11 | 悦捷科技股份有限公司 | electronic trading system |
| CN104599155A (en) * | 2014-11-29 | 2015-05-06 | 深圳市无微不至数字技术有限公司 | Credit exchange method, device and system |
| CN105373955A (en) * | 2015-12-08 | 2016-03-02 | 布比（北京）网络技术有限公司 | Multi-signature-based digital asset treatment method and device |
| CN105678545A (en) * | 2016-01-04 | 2016-06-15 | 布比（北京）网络技术有限公司 | Digital asset transaction system based on distributed shared general ledger and construction method thereof |
-
2016
- 2016-09-23 CN CN201610847914.0A patent/CN106408279A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN202331558U (en) * | 2011-08-24 | 2012-07-11 | 悦捷科技股份有限公司 | electronic trading system |
| CN104599155A (en) * | 2014-11-29 | 2015-05-06 | 深圳市无微不至数字技术有限公司 | Credit exchange method, device and system |
| CN105373955A (en) * | 2015-12-08 | 2016-03-02 | 布比（北京）网络技术有限公司 | Multi-signature-based digital asset treatment method and device |
| CN105678545A (en) * | 2016-01-04 | 2016-06-15 | 布比（北京）网络技术有限公司 | Digital asset transaction system based on distributed shared general ledger and construction method thereof |
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107274170A (en) * | 2017-06-15 | 2017-10-20 | 龙昌 | Consumption, which is supported, borrows management method, storage medium and system |
| CN107274170B (en) * | 2017-06-15 | 2021-02-09 | 龙昌 | Consumption loan management method, storage medium, and system |
| CN109214792A (en) * | 2017-07-06 | 2019-01-15 | 万事达卡国际公司 | Via the method and system of the electronics coupons of block chain |
| US11132704B2 (en) | 2017-07-06 | 2021-09-28 | Mastercard International Incorporated | Method and system for electronic vouchers via blockchain |
| CN107437178A (en) * | 2017-07-26 | 2017-12-05 | 中体彩科技发展有限公司 | A kind of lottery ticket Account Registration method and electronic lottery systems |
| WO2019019070A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Guarantee credit financing solution based on block chain |
| CN107392769A (en) * | 2017-08-04 | 2017-11-24 | 现在（北京）支付股份有限公司 | Method of payment is withheld based on block chain technology |
| CN107392769B (en) * | 2017-08-04 | 2021-12-10 | 苏州缓流科技有限公司 | Block chain technology-based collection and payment method |
| CN107833052B (en) * | 2017-10-27 | 2021-02-02 | 南京物联传感技术有限公司 | Block chain-based aggregated payment system and working method |
| CN107833052A (en) * | 2017-10-27 | 2018-03-23 | 南京物联传感技术有限公司 | A kind of polymerization payment system and method for work based on block chain |
| CN110390571A (en) * | 2018-04-18 | 2019-10-29 | 触信（厦门）智能科技有限公司 | The logical card management system of panorama block chain and method |
| CN110555696A (en) * | 2018-05-31 | 2019-12-10 | 厦门本能管家科技有限公司 | asset issuing method, system and device based on block chain guarantee |
| CN110555696B (en) * | 2018-05-31 | 2023-01-31 | 本无链科技(深圳)有限公司 | Asset issuing method, system and device based on block chain guarantee |
| WO2020073491A1 (en) * | 2018-10-12 | 2020-04-16 | 深圳壹账通智能科技有限公司 | Blockchain-based supply chain payment method, payment collection method, device, apparatus, and medium |
| CN109544152A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Supply chain method of payment, cashing method, device, equipment and medium based on block chain |
| CN111402040A (en) * | 2019-01-02 | 2020-07-10 | 中国移动通信有限公司研究院 | An asset management method and system |
| CN109741109A (en) * | 2019-01-03 | 2019-05-10 | 中国联合网络通信集团有限公司 | A member rights management method, management platform and management system |
| CN113343208A (en) * | 2021-05-20 | 2021-09-03 | 网易（杭州）网络有限公司 | Certificate authorization method, device, terminal and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106408279A (en) | Decentralized stored-value voucher management method and system | |
| EP2836971B1 (en) | Systems, methods, and computer readable media for conducting a transaction using cloud based credentials | |
| US20210192520A1 (en) | Distributed credit ecosystem | |
| JP6467559B2 (en) | Information processing system, information processing method, and information processing program | |
| TWI515674B (en) | Prepaid information management method, prepaid system and computer readable storage medium | |
| CN109074582A (en) | System and method for generating sub-tokens from a primary token | |
| CN109447811A (en) | Method for querying transaction information, billing node and medium in blockchain network | |
| CN109863519A (en) | Merchant-specific digital wallet virtual payment account | |
| MX2008013116A (en) | Authentication for a commercial transaction using a mobile module. | |
| CN109074578A (en) | System and method for executing push transaction | |
| CN103067335A (en) | Method for realizing information interaction as non-contact mode, correlation equipment and system | |
| KR20220097186A (en) | Blockchain did based electronic ticket reservation method and apparatus | |
| JP2019212256A (en) | Service integrated platform of virtual currency and statutory currency | |
| CN109075975A (en) | Public network account it is tokenized | |
| KR20190142656A (en) | Method for providing digital local currency service and apparatus therefor | |
| JP6667010B2 (en) | Mobile prepaid card service system, clone card storage device and service method thereof | |
| CN108881121A (en) | A kind of P2P credit based on mobile Internet mutually sees system and method | |
| US10163155B2 (en) | Method and system for obtaining credit | |
| TW201814606A (en) | Apply picture code from commerce application platform via a mobile device to be a method for personal identity recognition and mobile payment activities | |
| JP2020047144A (en) | Cashless settlement system, cashless settlement method, and cashless settlement program | |
| CN109034766A (en) | Loaning bill method and system, equipment and storage medium | |
| CN107369018A (en) | The binding method and binding system of digital cash wallet | |
| WO2022092162A1 (en) | Information processing device, program, method, and terminal | |
| KR102027403B1 (en) | Method providing escrow service for remittance payment and server thereof | |
| JP2001273421A (en) | Authentication acting system and method, and computer readable recording medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170215 |
|
| RJ01 | Rejection of invention patent application after publication |