CN111445325A - Credit card information processing method, device, system and storage medium - Google Patents
Credit card information processing method, device, system and storage medium Download PDFInfo
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- CN111445325A CN111445325A CN202010285067.XA CN202010285067A CN111445325A CN 111445325 A CN111445325 A CN 111445325A CN 202010285067 A CN202010285067 A CN 202010285067A CN 111445325 A CN111445325 A CN 111445325A
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Abstract
The application provides a credit card information processing method, a device, a system and a storage medium, wherein a first credit card belonging to a second bank is subjected to cross-bank repayment through a first block chain belonging to a first bank. The purpose of cross-bank payment for the credit card is achieved.
Description
Technical Field
The present application relates to the field of automatic payment technologies, and in particular, to a credit card information processing method, apparatus, system, and storage medium.
Background
Credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to consumers who qualify for credit. After the user uses the credit card for transaction, the user needs to pay for the credit card.
At present, no method for paying across banks of credit cards exists.
Disclosure of Invention
In view of the above, the present application provides a credit card information processing method, device, system and storage medium.
In order to achieve the above purpose, the present application provides the following technical solutions:
a credit card information processing method, comprising:
the method comprises the steps that a first block chain acquires a credit card repayment request sent by a client, wherein the credit card repayment request carries a card number of a first credit card;
the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank;
the first block chain determines the sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card based on historical transaction amounts respectively corresponding to the card numbers of a plurality of credit cards stored by the first block chain; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong;
the first blockchain generates bill information based on the sum of the at least one unpaid historical transaction amount;
the first block chain feeds the bill information back to the client;
and if a payment confirmation instruction sent by the client is received, the first block chain sends a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one unpaid payment historical transaction amount, the card number of the first credit card and the internet bank account logged in the client.
A credit card information processing device applied to a first block chain, comprising:
the system comprises a first acquisition module, a second acquisition module and a payment processing module, wherein the first acquisition module is used for acquiring a credit card repayment request sent by a client, and the credit card repayment request carries a card number of a first credit card;
the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank;
the first determining module is used for determining the sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card based on historical transaction amounts respectively corresponding to the card numbers of a plurality of credit cards stored by the first determining module; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong;
the generating module is used for generating bill information based on the sum of the at least one unpaid historical transaction amount;
the first sending module is used for feeding back the bill information to the client;
and the second sending module is used for sending a transfer request to a server belonging to the second bank by the first block chain if a payment confirmation instruction sent by the client is received, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and the online banking account logged in the client.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements the credit card information processing method as described in any one of the above.
A credit card information processing system comprising:
an electronic device to determine a first blockchain from a plurality of blockchains;
the first block chain is used for acquiring a credit card repayment request sent by a client, and the credit card repayment request carries a card number of a first credit card; the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank; determining the sum of at least one unrepaired historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of a plurality of self-stored credit cards; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong; generating billing information based on the sum of the at least one historical non-repayment transaction amount; feeding back the bill information to the client; and if a payment confirmation instruction sent by the client is received, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and an online bank account for logging in the client.
According to the technical scheme, the credit card information processing method provided by the application carries out cross-bank payment on the first credit card belonging to the second bank through the first block chain belonging to the first bank. The purpose of cross-bank payment for the credit card is achieved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a signaling diagram of an implementation manner of a credit card information processing method according to an embodiment of the present application;
fig. 2a to fig. 2c are schematic diagrams of an implementation manner of a user interface displayed by a client according to an embodiment of the present application;
fig. 3 is a signaling diagram of another implementation manner of a credit card information processing method according to an embodiment of the present application;
FIG. 4 is a schematic diagram of one implementation of a credit card information processing system provided by an embodiment of the present application;
fig. 5 is a schematic diagram illustrating an implementation manner of storing information in a blockchain according to an embodiment of the present application;
FIG. 6 is a block diagram of another implementation of a credit card information processing system provided by an embodiment of the present application;
fig. 7 is a signaling diagram of one implementation of determining a first blockchain from a plurality of blockchains according to an embodiment of the present application;
FIG. 8 is a signaling diagram of one implementation of a credit card transaction method provided by an embodiment of the present application;
fig. 9 is a block diagram of an implementation manner of a credit card information processing apparatus applied to a first block chain according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Referring to fig. 1, a signaling diagram of an implementation manner of a credit card information processing method according to an embodiment of the present application is shown, where the method includes:
step S101: the client 10 sends a credit card repayment request to the first blockchain 11, wherein the credit card repayment request carries the card number of the first credit card.
In an alternative embodiment, the user may log in to the client 10 using a bank account number for saving a bank card number, or a mobile phone number, or an identification number, biometric information, etc. which can identify the user.
In an alternative embodiment, the first credit card is any credit card of any bank, and is referred to as the first credit card in order to distinguish it from a second credit card included in the "inquiry history transaction request" mentioned later. In an alternative embodiment, the first credit card and the second credit card may be the same or different.
In an alternative embodiment, the client 10 may present a user interface as in FIG. 2 a. If the user desires a cross-bank payment for a credit card, the "Credit card Payment" icon of FIG. 2a may be clicked.
In an alternative embodiment, the "voice input" icon shown in FIG. 2a may be clicked and the credit card payment may then be voice entered.
In an alternative embodiment, the client 10 may invoke a camera of the terminal device on which the client 10 is installed to capture the user's gestures. Optionally, the first preset gesture corresponds to a credit card payment. After detecting the first preset gesture, the client 10 determines to enter the credit card payment user interface.
In an optional embodiment, the user may touch a touch screen of the terminal device on which the client 10 is installed, and if the client 10 detects the first preset track, it is determined to enter the credit card payment user interface.
Fig. 2b is a schematic diagram illustrating an implementation manner of a credit card deposit and payment user interface displayed for a client according to an embodiment of the present application.
As shown in fig. 2b, the user may input the card number of the first credit card to be paid (in the embodiment of the present application, the credit card to be paid is referred to as the first credit card) in the "credit card account number" in fig. 2 b.
In an optional embodiment, the repayment bank card may be a bank card associated with the online banking account number of the login client.
In an optional embodiment, the bank card associated with the online banking account number of the login client means that the bank to which the bank card belongs is the same as the bank to which the client belongs, and if the client belongs to the bank a, the repayment bank card may be the bank card of the bank a.
In an optional embodiment, if the online banking account number is a user identification number, or a mobile phone number, or biometric information, the bank card associated with the online banking account number of the login client is a bank card associated with the user identification number, or a mobile phone number, or biometric information.
For example, when a bank card is transacted, an association relationship between the bank card and the user identification number, or the mobile phone number, or the biometric information is established.
For example, in the process that the user 1 transacts the bank card 1 in the bank A, the counter business personnel acquire the biological characteristic information 1 of the user and establish the association between the bank card 1 and the biological characteristic information 1; in the process that a user 1 transacts a bank card 2 in a bank B, counter business personnel acquire biological characteristic information 1 of the user and establish the association between the bank card 2 and the biological characteristic information 1; assuming that the client belongs to the client of bank a, the repayment bank card may be bank card 2.
The bank A and the bank B are different banks.
In an optional embodiment, after the user clicks the determination key shown in fig. 2b, or inputs the determination information by voice, or the trajectory input in the touch screen of the terminal device on which the client is installed is a second preset trajectory, or the gesture collected by the terminal device on which the client is installed is a second preset gesture, the client may generate a credit card repayment request.
Step S102: the first block chain 11 acquires a credit card repayment request sent by the client 10, wherein the credit card repayment request carries a card number of the first credit card. The first blockchain determines the sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card based on historical transaction amounts respectively corresponding to the card numbers of a plurality of credit cards stored in the first blockchain.
The first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank.
In an alternative embodiment, the first blockchain may be accessed by clients belonging to various banks. In an alternative embodiment, the first blockchain may be deployed at any bank.
The first blockchain stores historical transaction information corresponding to card numbers of credit cards of all banks, wherein the historical transaction information corresponding to the card number of one credit card comprises: the credit card number has at least one historical transaction amount for at least one historical transaction time.
The above-mentioned "card numbers of the plural credit cards" are different from the bank to which they belong, respectively.
It is understood that the user may hold a credit card for multiple transactions, that is, the card number of one credit card may correspond to one or more historical transaction amounts, but some historical transaction amounts may be paid, for example, the user holds the credit card 1 for 5000 in 2019 at 12 month 1, holds the credit card 1 for 10000 in 2020 at 1 month 1, the historical transaction amounts include 5000 and 10000, and if the user has paid 5000 in 2019 at 12 month 31, then 5000 consumed in 2019 at 12 month 1 is the historical paid transaction amount; assuming that the current time is No. 1/5 of 2020 and the user is not yet paid for 1 month, 10000 is consumed for 1/1 of 2020 as the non-payment historical transaction amount.
Step S103: the first blockchain 11 generates billing information based on the sum of the at least one unpaid historical transaction amount.
Step S104: the first blockchain 11 feeds back the billing information to the client 10.
Step S105: the client 10 receives the bill information and displays a user interface containing the bill information; and if the payment confirmation information input by the user is received, generating a payment confirmation instruction.
In an alternative embodiment, the client 10 may present a message containing the sum of the at least one outstanding historical transaction amount. Fig. 2c is a schematic diagram illustrating an implementation manner of a user interface including billing information, which is presented for a client according to an embodiment of the present application.
The "repayment amount" shown in FIG. 2c is the sum of the at least one unpaid historical transaction amount.
In an alternative embodiment, if the user clicks the ok button, the client 10 may generate an ok payment instruction.
In an alternative embodiment, since the first blockchain includes historical transaction amounts corresponding to credit card numbers of banks, the sum of at least one unpaid historical transaction amount corresponding to the card number of the first credit card can be obtained from the first blockchain without obtaining the sum from a server belonging to the second bank. If the client belongs to the first bank, the time for paying across banks of the credit card can be shortened.
And S106, if the first block chain 11 receives the payment confirmation instruction, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and the online banking account logged in the client.
In an alternative embodiment, the first blockchain 11 may send a transfer request to a server belonging to the second bank through the internet bank cross bank payment system. The transfer-out account is an online banking account logged in the client, and the transfer-in account is the card number of the first credit card.
According to the credit card information processing method provided by the embodiment of the application, the first credit card belonging to the second bank is subjected to inter-bank payment through the first block chain belonging to the first bank. The purpose of cross-bank payment for the credit card is achieved.
Referring to fig. 3, a signaling diagram of another implementation manner of a credit card information processing method according to an embodiment of the present application is shown, where the method includes:
step S301: the client 10 sends a credit card repayment request to the first blockchain 11, wherein the credit card repayment request carries the card number of the first credit card.
Step S302: the first blockchain 11 acquires a credit card payment request sent by the client 10. The credit card repayment request carries the card number of the first credit card. And determining the sum of at least one unrepaired historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of the plurality of self-stored credit cards.
Step S303: the first blockchain 11 sends the credit card payment request to at least one second blockchain.
Optionally, in step S304: each second chain of blocks 12 performs the following operations:
obtaining historical transaction amounts corresponding to card numbers of a plurality of credit cards stored by the credit card reader, and determining the sum of at least one unreleased historical transaction amount corresponding to the card number of the first credit card.
The sum of the at least one unpaid historical transaction amount is sent to the first blockchain 11.
Step S305: the first block chain 11 receives the sum of at least one unpaid historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second block chain respectively; if the sum of the at least one non-repayment historical transaction amount corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain is the same, generating bill information based on the sum of the at least one non-repayment historical transaction amount.
In an optional embodiment, the predetermined number is selected in relation to a total number of the first blockchain and the at least one second blockchain, i.e., the predetermined number is greater than or equal to 51% > (the total number of the first blockchain and the at least one second blockchain).
For example, if the total number of the first block chain and the at least one second block chain is 100, then the preset number is at least 51.
In an alternative embodiment, the preset number may be any integer value greater than or equal to 1 and less than or equal to the total number of the first blockchain and the at least one second blockchain.
It is to be understood that the information stored in the first blockchain and the at least one second blockchain is the same. So even if the historical transaction amount stored in a blockchain is changed, no economic loss is caused to the customer. Moreover, the block chain shares the database, and the data or information stored in the database has the characteristics of being unforgeable, being traceable in the whole process, being traceable, being publicly transparent, being maintained in a collective mode and the like, so that the data stored in the block chain has the property of being not falsified. Moreover, because the contents stored in the block chains are the same, even if one block chain is damaged, the sum of the at least one unpaid payment historical transaction amount can be judged and obtained based on other block chains, and the condition that the client cannot pay is avoided.
Step S306, the first block chain 11 feeds the bill information back to the client 10.
Step S307: the client 10 receives the bill information and displays a user interface containing the bill information; and if the payment confirmation information input by the user is received, generating a payment confirmation instruction.
And S308, if the first block chain 11 receives the payment confirmation instruction, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and the online banking account logged in the client.
The credit card information processing system provided by the embodiment of the present application is explained with reference to fig. 3.
The credit card information processing method provided by the embodiment of the application can be applied to the credit card information processing system shown in FIG. 4.
As shown in fig. 4, the credit card information processing system includes: a first block chain 11, at least one second block chain 12.
The credit card information processing system can be applied to various application scenarios, and the embodiment of the application provides but is not limited to the following application scenarios.
First application scenario: a plurality of block chains (the plurality of block chains comprise a first block chain and at least one second block chain) contained in the credit card information processing system are respectively deployed in a plurality of different banks; that is, a bank may be deployed with one or more blockchains.
In an alternative embodiment, each blockchain of the first blockchain and the at least one second blockchain comprises a plurality of blocks, each block comprising one or more historical transaction information.
Optionally, the historical transaction information includes: historical transaction amounts for card numbers of a plurality of credit cards at one or more historical transaction times.
Fig. 5 is a schematic diagram illustrating an implementation manner of storing information for a block chain according to an embodiment of the present application.
Assuming that one of the first block chain and the at least one second block chain includes m blocks, the m blocks store information as shown in fig. 5. m is a positive integer greater than or equal to 1. Tile 1 includes historical transaction information 1, tile 2 includes historical transaction information 2, …, and tile m includes historical transaction information m.
It is understood that different blocks store at least one historical transaction amount for card numbers of different credit cards at least one historical transaction time, or that different blocks store at least one historical transaction amount for card numbers of the same credit card at different historical transaction times. For example, taking fig. 5 as an example, block 1 stores the credit card number a at transaction CNY1000 No. 1/month 1 in 2019; block 2 stores the credit card number a at transaction CNY5000 of 1 month and 12 days 2019.
It is to be understood that the first blockchain and the at least one second blockchain store the same information.
Second application scenario: the credit card information processing system comprises a plurality of block chains, wherein the block chains comprise a first block chain and at least one second block chain which are arranged in a set area appointed by each bank.
The content included in each block chain in the second application scenario may refer to the description of the first application scenario, and is not described herein again.
In any of the two application scenarios, the first blockchain 11 is selected from a plurality of blockchains, and the first blockchain is a blockchain with the fastest response among the plurality of blockchains. In the embodiment of the present application, a block chain with the fastest response among a plurality of block chains is referred to as a first block chain, and other block chains are referred to as second block chains.
It is to be understood that the first blockchain selected from the plurality of blockchains at different times may be different.
Please refer to fig. 6, which is a block diagram of another implementation manner of a credit card information processing system according to an embodiment of the present application. In an alternative embodiment, the credit card information processing system further comprises an electronic device 61.
In an optional embodiment, the electronic device 61 may be a mobile terminal such as a computer, a laptop, a desktop, a PAD, and a smart phone, and the electronic device 61 may also be a server or a cloud platform.
The electronic device 61 may send a query historical transaction request to the n blockchains 62, the query historical transaction request including the card number of the second credit card and the target historical transaction time. The electronic device 61 may obtain n query results fed back by the blockchain, where the query result of a blockchain includes a target historical transaction amount of the card number of the second credit card at the target historical transaction time; the electronic device 61 takes the block chain with the earliest feedback query result time among the n block chains as a first block chain; and the block chains except the first block chain in the n block chains are used as second block chains.
Suppose that, in the n blockchains, the time for the blockchain 1 to feed back the query result is 2019, 5, 1, 12, 44 minutes, 50 seconds, 8 centiseconds; the time for feeding back the query result by the blockchain 2 is 2019, 5, 1, 12, 44, 50, second 9 centi-second; the time for the block chain 3 to feed back the query result is 2019, 5, 1, 12, 44 minutes, 51 seconds and 9 centiseconds; …, respectively; assuming that the time for feeding back the query result by the blockchain 1 is earliest, the blockchain 1 is the first blockchain, and the blockchains 2 to n are all the second blockchains.
In an alternative embodiment, the electronic device 61 may be deployed in a set area; in an alternative embodiment, the electronic device 61 may be deployed in any bank.
In an optional embodiment, in a first application scenario, the first blockchain is deployed in a bank to which the client belongs, that is, at this time, the first blockchain does not need to be selected from the multiple blockchains, but the blockchain corresponding to the bank to which the client belongs is determined as the first blockchain.
With reference to fig. 6, a description is given below of a process for determining a first blockchain from a plurality of blockchains according to an embodiment of the present application, and as shown in fig. 7, the process is a signaling diagram of an implementation manner for determining a first blockchain from a plurality of blockchains according to an embodiment of the present application, where the method includes:
in step S701, the electronic device 61 sends a query history transaction request to the plurality of block chains 62.
Wherein the query historical transaction request includes a card number of the second credit card and a target historical transaction time.
The card number of the second credit card is the card number of any credit card of any bank; the target historical trading time is any historical trading time.
Fig. 7 illustrates an example in which the total number of the block chains is n.
Step S702: each blockchain of the plurality of blockchains performs the following operations:
obtaining a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored card numbers of the plurality of credit cards at least one historical transaction time respectively;
and feeding back a query result containing the target historical foreign exchange transaction amount.
Step S703: the electronic device 61 receives the query results fed back by the block chains respectively, and records the receiving time when the query results fed back by the block chains respectively are received; and determining the block chain corresponding to the minimum receiving time as a first block chain.
Assuming that the total number of the block chains is n, and assuming that, in the n block chains, the time for the electronic device 61 to receive the query result of the block chain 1 is 2019, 5, 1, 12, 44, 50, 8 centiseconds; the time of the query result of the blockchain 2 is 2019, 5, 1, 12, 44, 50, second and 9 centiseconds; the time of the query result of the blockchain 3 is 2019, 5, 1, 12, 44 minutes, 51 seconds and 9 centiseconds; …, respectively; assuming that the time for receiving the query result of the blockchain 1 is the minimum, the blockchain 1 is the first blockchain, and the blockchains 2 to n are all the second blockchains.
Step S704: the electronic device 61 sends the optimal block information to the first block chain.
And the optimal block information represents that the first block chain is the block chain which feeds back the query result fastest in the plurality of block chains.
Fig. 7 illustrates a block chain 1 as a first block chain.
Step S705: after receiving the optimal tile information, the first tile chain 11 monitors the input of a credit card payment request.
In an alternative embodiment, the input of the credit card payment request may be monitored every set period of time, or may be monitored in real time.
Referring to fig. 8, a signaling diagram of an implementation manner of a credit card transaction method according to an embodiment of the present application is shown, where the method includes:
step S801: the first block chain 11 obtains a credit card transaction request including a card number of a first credit card and an amount to be transacted.
The first credit card is any credit card of any bank.
Step S802: the first blockchain 11 sends a credit card transaction request to at least one second blockchain 12.
In an alternative embodiment, the first blockchain 11, upon receiving the credit card transaction request, broadcasts the credit card transaction request to the at least one second blockchain.
In an optional embodiment, after the first block chain receives a credit card transaction request, determining transaction feasibility information of the first block chain; and if the transaction feasibility information of the first block chain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the transaction feasibility information of the first block chain is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, sending the credit card transaction request to at least one second block chain.
Step S803: each second blockchain performs the following steps:
acquiring the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card stored by the credit card and the transaction amount to be transacted;
comparing the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card with the to-be-transacted amount, and obtaining transaction feasibility information according to the size relation of the transaction maximum amount corresponding to the card number of the first credit card;
the transaction feasibility information is sent to the first blockchain 11.
The transaction maximum amount is the maximum amount that can be spent at the user.
In an alternative embodiment, the transaction maximum amounts of credit cards of different users are different.
Optionally, for any one of the first block chain and the at least one second block chain, if the sum of the stored historical transaction amount not paid back corresponding to the card number of the first credit card and the to-be-transacted amount is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, the transaction feasibility information is that the transaction is feasible. And if the sum of the stored historical unreleased transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount is greater than the maximum transaction amount corresponding to the card number of the first credit card, the transaction feasibility information is that the transaction is not feasible.
Step S804: the first blockchain 11 receives the transaction feasibility information fed back by the at least one second blockchain respectively.
Step S805: if the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the user is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, and generating an instruction for allowing the credit card transaction request.
In an optional embodiment, the predetermined number is selected in relation to a total number of the first blockchain and the at least one second blockchain, i.e., the predetermined number is greater than or equal to 51% > (the total number of the first blockchain and the at least one second blockchain).
For example, if the total number of the first block chain and the at least one second block chain is 100, then the preset number is at least 51.
In an alternative embodiment, the preset number may be any integer value greater than or equal to 1 and less than or equal to the total number of the first blockchain and the at least one second blockchain.
Alternatively, the "instruction to allow the credit card transaction request" means to allow the customer's credit card transaction request, i.e., to allow the customer to redeem the foreign exchange amount to be transacted in the foreign exchange currency.
In an optional embodiment, if the transaction feasibility information corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the second blockchain is greater than the transaction maximum amount corresponding to the card number of the first credit card, an instruction for prohibiting the credit card transaction request is generated.
By the scheme, the problem of economic loss of a bank caused by illegally modifying the maximum transaction amount is avoided.
In the method provided by the embodiment of the application, after a credit card transaction request is obtained by a first block chain, the credit card transaction request is sent to at least one second block chain; the first block chain receives transaction feasibility information fed back by the at least one second block chain respectively; if the transaction feasibility information respectively corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the block chains is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, and an instruction for allowing the credit card transaction request is generated. So even if the historical foreign exchange transaction amount stored in a blockchain is changed, no economic loss is caused to the client. Even if the transaction maximum credit stored in a blockchain is changed, the bank can not be economically lost. Moreover, the block chain shares the database, and the data or information stored in the database has the characteristics of being unforgeable, being traceable in the whole process, being traceable, being publicly transparent, being maintained in a collective mode and the like, so that the data stored in the block chain has the property of being not falsified. Moreover, because the contents stored in the plurality of blockchains are the same, even if one blockchain is damaged, whether the foreign exchange transaction can be executed can be judged based on other blockchains, and the condition that the client cannot perform the foreign exchange transaction can be avoided.
In an optional embodiment, if the transaction feasibility information corresponding to at least the preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the first blockchain is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, the first blockchain may further perform the following operations.
The first step is as follows: a first block is created in the first blockchain.
The first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be traded and a characteristic value of a block head of a father block of the first block; the first block body comprises a card number of the first credit card and the amount to be traded.
Still taking fig. 5 as an example, if the first block chain includes m blocks as shown in fig. 5, the first block is the m +1 th block.
The block head of the m +1 th block stores the characteristic value of the block head of the m-th block.
In an alternative embodiment, the card number of the first credit card and the amount to be traded may be pre-calculated to obtain the characteristic value.
Optionally, the preset operation may be an irreversible operation, an asymmetric encryption algorithm, a hash algorithm, or the like.
The second step is that: respectively sending a block creating instruction to the at least one second block chain, wherein the block creating instruction is an instruction for instructing the at least one second block chain to create own second blocks respectively, and the second blocks comprise second block heads and second block bodies, and the second block heads store characteristic values obtained based on the card numbers of the first credit cards and the money amounts to be traded and characteristic values of block heads of parent blocks of the second blocks; the second block body comprises the card number of the first credit card and the amount to be traded.
The method is described in detail in the embodiments disclosed in the present application, and the method of the present application can be implemented by various types of apparatuses, so that an apparatus is also disclosed in the present application, and the following detailed description is given of specific embodiments.
As shown in fig. 9, a block diagram of an implementation manner of a credit card information processing apparatus applied to a first block chain according to an embodiment of the present application is provided, where the apparatus includes:
the first obtaining module 91 is configured to obtain a credit card repayment request sent by a client, where the credit card repayment request carries a card number of a first credit card;
the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank;
a first determining module 92, configured to determine, based on historical transaction amounts respectively corresponding to card numbers of multiple credit cards stored by the first determining module, a sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong;
a generating module 93, configured to generate billing information based on a sum of the at least one unpaid historical transaction amount;
a first sending module 94, configured to feed back the billing information to the client;
and the second sending module 95 is configured to, if a payment confirmation instruction sent by the client is received, send, by the first block chain, a transfer request to a server belonging to the second bank, where the transfer request includes a transfer amount that is the same as a sum of the at least one unpaid-payment historical transaction amount, the card number of the first credit card, and an online banking account logged in the client.
In an alternative embodiment, the generating module comprises:
a sending unit, configured to send the credit card repayment request to at least one second blockchain;
the receiving unit is used for receiving the sum of at least one unpaid historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second blockchain respectively;
and the generating unit is used for generating bill information based on the sum of the at least one historical non-repayment transaction amount if the sum of the at least one historical non-repayment transaction amount corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain is the same.
In an optional embodiment, further comprising:
the second acquisition module is used for acquiring a historical transaction inquiry request, wherein the historical transaction inquiry request comprises a card number of a second credit card and target historical transaction time;
the third acquisition module is used for acquiring a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount corresponding to the stored card numbers of the plurality of credit cards at least one historical transaction time;
the third sending module is used for feeding back a query result containing the target historical transaction amount;
the monitoring module is used for monitoring the input of a credit card repayment request if receiving the optimal block information which represents that the first block chain is the fastest feedback query result in the plurality of block chains;
the plurality of blockchains includes the first blockchain and the at least one second blockchain.
In an optional embodiment, the client belongs to a client of the first bank.
In an optional embodiment, further comprising:
the fourth acquisition module is used for acquiring a credit card transaction request, wherein the credit card transaction request comprises the card number of the first credit card and the amount to be transacted;
a fourth sending module for sending the credit card transaction request to at least one second blockchain;
the fifth acquisition module is used for acquiring the transaction feasibility information fed back by the at least one second block chain respectively;
the transaction feasibility information corresponding to one block chain refers to the relationship between the sum of the historical unpaid transaction amount corresponding to the card number of the first credit card stored in the block chain and the to-be-transacted amount and the transaction maximum amount corresponding to the card number of the first credit card;
and the second generation module is used for generating an instruction for allowing the credit card transaction request to be executed if the transaction feasibility information corresponding to at least a preset number of block chains in the first block chain and the at least one second block chain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card stored by the second generation module and the to-be-transacted amount is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card.
In an optional embodiment, further comprising:
the creating module is used for creating a first block in the first block chain if the transaction feasibility information corresponding to at least the preset number of block chains represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the creating module is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card in the first block chain;
the first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be traded and a characteristic value of a block head of a father block of the first block; the first block body comprises a card number of the first credit card and the amount to be traded;
a fifth sending module, configured to send a block creation instruction to the at least one second block chain, where the block creation instruction is an instruction to instruct the at least one second block chain to create its own second block, and the second block includes a second block header and a second block main body, and the second block header stores therein a feature value obtained based on the card number of the first credit card and the amount to be traded, and a feature value of a block header of a parent block of the second block; the second block body comprises the card number of the first credit card and the amount to be traded.
The embodiment of the application also provides a readable storage medium, wherein a computer program is stored on the readable storage medium, and when the computer program is executed by a processor, the computer program realizes the credit card information processing method.
Note that the features described in the embodiments in the present specification may be replaced with or combined with each other. For the device or system type embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A credit card information processing method, comprising:
the method comprises the steps that a first block chain acquires a credit card repayment request sent by a client, wherein the credit card repayment request carries a card number of a first credit card;
the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank;
the first block chain determines the sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card based on historical transaction amounts respectively corresponding to the card numbers of a plurality of credit cards stored by the first block chain; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong;
the first blockchain generates bill information based on the sum of the at least one unpaid historical transaction amount;
the first block chain feeds the bill information back to the client;
and if a payment confirmation instruction sent by the client is received, the first block chain sends a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one unpaid payment historical transaction amount, the card number of the first credit card and the internet bank account logged in the client.
2. The method of claim 1, wherein generating billing information based on a sum of the at least one outstanding historical transaction amount comprises:
sending the credit card repayment request to at least one second blockchain;
receiving the sum of at least one unpaid historical transaction amount corresponding to the card number of the first credit card fed back by the at least one second blockchain respectively;
if the sum of the at least one non-repayment historical transaction amount corresponding to at least a preset number of blockchains in the first blockchain and the at least one second blockchain is the same, generating bill information based on the sum of the at least one non-repayment historical transaction amount.
3. The credit card information processing method of claim 2, further comprising:
acquiring a historical transaction inquiry request, wherein the historical transaction inquiry request comprises a card number of a second credit card and target historical transaction time;
obtaining a target historical transaction amount of the card number of the second credit card at the target historical transaction time from at least one historical transaction amount of the stored card numbers of the plurality of credit cards at least one historical transaction time respectively;
feeding back a query result containing the target historical transaction amount;
monitoring the input of a credit card repayment request if receiving optimal block information representing that the first block chain is the fastest feedback query result in the plurality of block chains;
the plurality of blockchains includes the first blockchain and the at least one second blockchain.
4. The credit card information processing method according to claim 1 or 2, wherein the client belongs to a client of the first bank.
5. The credit card information processing method of claim 1, further comprising:
obtaining a credit card transaction request, wherein the credit card transaction request comprises a card number of a first credit card and a to-be-transacted amount;
sending the credit card transaction request to at least one second blockchain;
obtaining transaction feasibility information fed back by the at least one second blockchain respectively;
the transaction feasibility information corresponding to one block chain refers to the sum of the historical unpaid payment amount corresponding to the card number of the first credit card stored in the block chain and the to-be-transacted amount, and the size relation of the transaction maximum amount corresponding to the card number of the first credit card;
if the transaction feasibility information corresponding to at least a preset number of block chains in the first block chain and the at least one second block chain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the block chain is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, and an instruction allowing the credit card transaction request to be executed is generated.
6. The credit card information processing system of claim 5, wherein the first blockchain is further configured to:
if the transaction feasibility information corresponding to at least the preset number of blockchains in the first blockchain and the at least one second blockchain represents that the sum of the historical non-repayment transaction amount corresponding to the card number of the first credit card and the to-be-transacted amount stored by the block chain is less than or equal to the transaction maximum amount corresponding to the card number of the first credit card, a first block is created in the first blockchain;
the first block comprises a first block head and a first block main body, wherein the first block head stores a characteristic value obtained based on the card number of the first credit card and the amount to be traded and a characteristic value of a block head of a father block of the first block; the first block body comprises a card number of the first credit card and the amount to be traded;
respectively sending a block creating instruction to the at least one second block chain, wherein the block creating instruction is an instruction for instructing the at least one second block chain to create own second blocks respectively, and the second blocks comprise second block heads and second block bodies, and the second block heads store characteristic values obtained based on the card numbers of the first credit cards and the money amounts to be traded and characteristic values of block heads of parent blocks of the second blocks; the second block body comprises the card number of the first credit card and the amount to be traded.
7. A credit card information processing apparatus applied to a first block chain, comprising:
the system comprises a first acquisition module, a second acquisition module and a payment processing module, wherein the first acquisition module is used for acquiring a credit card repayment request sent by a client, and the credit card repayment request carries a card number of a first credit card;
the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank;
the first determining module is used for determining the sum of at least one historical non-repayment transaction amount corresponding to the card number of the first credit card based on historical transaction amounts respectively corresponding to the card numbers of a plurality of credit cards stored by the first determining module; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong;
the generating module is used for generating bill information based on the sum of the at least one unpaid historical transaction amount;
the first sending module is used for feeding back the bill information to the client;
and the second sending module is used for sending a transfer request to a server belonging to the second bank by the first block chain if a payment confirmation instruction sent by the client is received, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and the online banking account logged in the client.
8. A readable storage medium on which a computer program is stored, the computer program, when executed by a processor, implementing the credit card information processing method according to any one of claims 1 to 6.
9. A credit card information processing system, comprising:
an electronic device to determine a first blockchain from a plurality of blockchains;
the first block chain is used for acquiring a credit card repayment request sent by a client, and the credit card repayment request carries a card number of a first credit card; the first block chain corresponds to a first bank, the bank to which the first credit card belongs is a second bank, and the first bank is different from the second bank; determining the sum of at least one unrepaired historical transaction amount corresponding to the card number of the first credit card based on the historical transaction amounts respectively corresponding to the card numbers of a plurality of self-stored credit cards; the card numbers of the credit cards are respectively different from the bank to which the credit cards belong; generating billing information based on the sum of the at least one historical non-repayment transaction amount; feeding back the bill information to the client; and if a payment confirmation instruction sent by the client is received, sending a transfer request to a server belonging to the second bank, wherein the transfer request comprises a transfer amount which is the same as the sum of the at least one non-payment historical transaction amount, the card number of the first credit card and an online bank account for logging in the client.
10. The system of claim 9, wherein the electronic device, when performing the determining the first blockchain from the plurality of blockchains, is specifically configured to:
sending a query historical transaction request to the plurality of blockchains, wherein the query historical transaction request comprises a card number of a second credit card and a target historical transaction time;
receiving the query results fed back by the block chains respectively, and recording the receiving time when the query results fed back by the block chains respectively are received; the query result of one block chain comprises a target historical transaction amount of the card number of the second credit card at the target historical transaction time;
determining a block chain corresponding to the minimum receiving time as the first block chain;
and sending optimal block information to the first block chain, wherein the optimal block information represents that the first block chain is the block chain which feeds back the query result fastest in the plurality of block chains.
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