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CN112862466A - Resource transfer method, account settling terminal and server node - Google Patents

Resource transfer method, account settling terminal and server node Download PDF

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Publication number
CN112862466A
CN112862466A CN201911304649.1A CN201911304649A CN112862466A CN 112862466 A CN112862466 A CN 112862466A CN 201911304649 A CN201911304649 A CN 201911304649A CN 112862466 A CN112862466 A CN 112862466A
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China
Prior art keywords
resource
attribute information
server node
information
checkout terminal
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CN201911304649.1A
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Chinese (zh)
Inventor
刘铁
姜丰
高建斌
杨燕明
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN201911304649.1A priority Critical patent/CN112862466A/en
Priority to PCT/CN2020/133167 priority patent/WO2021121030A1/en
Publication of CN112862466A publication Critical patent/CN112862466A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a resource transfer method, a checkout terminal and a server node, wherein the method comprises the steps that the checkout terminal obtains two-dimensional code information corresponding to a resource of a consumption terminal, the two-dimensional code information corresponding to the resource comprises resource attribute information, the resource attribute information is verified according to a public key corresponding to signature information in the resource attribute information, a resource transfer transaction request is sent to the server node according to the resource attribute information after verification is confirmed, and the resource transfer transaction request comprises the resource attribute information, so that the server node completes resource transfer after the resource attribute information is verified. The public key corresponding to the signature information in the resource attribute information is used for verifying the resource attribute information, so that the resource can be verified even if the checkout terminal and the background are interrupted, the resource transfer safety is ensured, and the resource offline transfer is further realized.

Description

Resource transfer method, account settling terminal and server node
Technical Field
The embodiment of the invention relates to the technical field of resource transfer, in particular to a resource transfer method, a checkout terminal and a server node.
Background
At present, resource marketing activities are always developed through cloud flash payment and cross-border marketing activities, and the key effects are played in the aspects of increasing transaction amount and enhancing user viscosity. The traditional resource operation mode generally adopts a background server to generate resources in batches, a consumer carries out consumption settlement at a settlement terminal through a card swiping or cloud flash payment mobile phone payment terminal, the terminal acquires payment information of the consumer and initiates a transaction request to the background server, the background server judges and calculates discount amount according to user registration and activity rules, the discount amount is deducted on the basis of original consumption amount to complete the transaction request, and the result of the consumption settlement is informed to the consumer. The technical architecture has high requirements on the stability of the server and the acceptance terminal, even the mobile phone signal of the card holder, and the service can not be used due to the fault of any link.
Disclosure of Invention
The embodiment of the invention provides a resource transfer method, a checkout terminal and a server node, which are used for realizing resource transfer of resources.
In a first aspect, an embodiment of the present invention provides a method for resource transfer, including:
the checkout terminal acquires two-dimensional code information corresponding to the resource of the consumption terminal; the two-dimension code information corresponding to the resource comprises resource attribute information;
the checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
and the checkout terminal sends a resource transfer transaction request to a server node according to the resource attribute information after confirming that the verification is passed, wherein the resource transfer transaction request comprises the resource attribute information, so that the server node completes resource transfer after verifying the resource attribute information.
In the technical scheme, the public key corresponding to the signature information in the resource attribute information is used for verifying the resource attribute information, so that the resource can be verified even if the checkout terminal and the background are interrupted, the resource transfer safety is ensured, and the resource offline payment is realized.
Optionally, the verifying, by the checkout terminal, the resource attribute information according to the public key corresponding to the signature information in the resource attribute information includes:
the checkout terminal verifies whether the issuing mechanism of the resource is correct or not according to the public key corresponding to the signature information in the resource attribute information;
the checkout terminal analyzes the resource attribute information to obtain the resource validity period and a Merchant Category Code (MCC) of the resource;
and the checkout terminal determines whether the resource validity period is over and the merchant category code is in the merchant category code list.
Optionally, the server node is any node in the block chain.
In a second aspect, an embodiment of the present invention provides a method for resource transfer, including:
a server node receives a resource transfer transaction request sent by a checkout terminal, wherein the resource transfer transaction request comprises resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified;
the server node determines whether the resource participation condition in the resource attribute information meets the requirement of the marketing activity;
and if so, the server node completes resource transfer according to the resource ID and the resource amount in the resource attribute information and performs consensus confirmation on the payment information.
Optionally, the performing, by the server node, consensus confirmation on the payment information includes:
and when the server node receives effective consensus confirmation with the quantity larger than the preset quantity, confirming that the payment information is agreed.
Optionally, after the server node performs consensus confirmation on the payment information, the method further includes:
and the server node records the payment information into a node account book.
Optionally, the server node is any node in the block chain.
In a third aspect, an embodiment of the present invention provides a checkout terminal, including:
the acquisition unit is used for acquiring the two-dimension code information corresponding to the resource of the consumption terminal; the two-dimension code information corresponding to the resource comprises resource attribute information;
the verification unit is used for verifying the resource attribute information according to a public key corresponding to the signature information in the resource attribute information;
and the sending unit is used for sending a resource transfer transaction request to the server node according to the resource attribute information after the verification is confirmed to be passed, wherein the resource transfer transaction request comprises the resource attribute information, so that the server node completes resource transfer after the resource attribute information is verified.
Optionally, the verification unit is specifically configured to:
verifying whether the issuing organization of the resource is correct or not according to the public key corresponding to the signature information in the resource attribute information;
analyzing the resource attribute information to obtain the resource validity period and the merchant category code of the resource;
determining whether the resource validity period is expired and the merchant category code is located in a resource merchant category code list.
Optionally, the server node is any node in the block chain.
In a fourth aspect, an embodiment of the present invention provides a server node, including:
the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a resource transfer transaction request sent by a checkout terminal, and the resource transfer transaction request comprises resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified;
the processing unit is used for determining whether the resource participation condition in the resource attribute information meets the requirement of the marketing activity; and if so, completing resource transfer according to the resource ID and the resource amount in the resource attribute information, and performing consensus confirmation on the payment information.
Optionally, the processing unit is specifically configured to:
and confirming agreement on the payment information when receiving more than a preset number of effective agreement confirmations.
Optionally, the processing unit is further configured to:
and after the payment information is subjected to consensus confirmation, recording the payment information into a node account book.
Optionally, the server node is any node in the block chain.
In a fifth aspect, an embodiment of the present invention further provides a computing device, including:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the resource transfer method according to the obtained program.
In a sixth aspect, the present invention also provides a computer-readable non-volatile storage medium, which includes computer-readable instructions, and when the computer-readable instructions are read and executed by a computer, the computer is caused to execute the above method for resource transfer.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a system architecture according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a server node according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating a method for resource transfer according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a checkout terminal according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a server node according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
FIG. 1 illustrates a system architecture to which embodiments of the present invention are applicable, which may include a consumer terminal 100, a checkout terminal 200, and a blockchain 300.
The block chain 300 is composed of a plurality of server nodes, and the nodes communicate with each other through a cloud network to form a background. The blockchain 300 may be a federation chain.
The consumer terminal 100 displays the resource held by the consumer terminal 200 to the checkout terminal 200, the checkout terminal 200 identifies the resource, initiates a resource transfer transaction request, and finally completes the payment transaction through the background. The checkout terminal 200 may be a merchant superjunction checkout terminal.
And each server node automatically acquires the accounting right when acquiring the transaction request, and records the transaction into the node account book after the transaction is confirmed successfully.
The structure of each server node may be as shown in fig. 2, and may include a resource parameter loading module 310, a resource key management module 320, a resource checking module 330, a resource transfer confirmation module 340, and a system management module 350.
The resource parameter loading module 310 is responsible for loading resource parameters, including the marketing campaign name to which the resource belongs, the scene of resource usage, and other information. The resource key management module 320 is responsible for maintaining resource keys, including generating a private key for a resource and verifying a public key for the resource. The resource checking module 330 is responsible for checking the authenticity of the resource, and is typically implemented using an asymmetric encryption algorithm. The resource transfer confirmation module 340 is responsible for performing real transactions in the background after the transaction is initiated by the checkout terminal, and specifically, a background consensus mechanism is adopted to realize the function. The system management module 350 is responsible for other management functions, such as resource usage statistics.
It should be noted that the structures shown in fig. 1 and fig. 2 are only examples, and the embodiments of the present invention do not limit the structures.
Based on the above description, fig. 3 shows the flow of a method for resource transfer according to an embodiment of the present invention in detail, and the following description will be made by way of interaction between a checkout terminal and a server node.
As shown in fig. 3, the process specifically includes:
step 301, the checkout terminal acquires the two-dimensional code information corresponding to the resource of the consumption terminal.
The two-dimensional code information corresponding to the resource may include resource attribute information. In the embodiment of the present invention, the resource is a string of unreadable character strings in the form of data presentation, which includes the attribute information of the resource: resource ID, resource amount, resource validity period, resource merchant category code list and resource key domain (resource ID, resource amount and resource validity period) signature. In addition, the marketing activity name and the grouping name of resource participation, whether superposition is supported, resource use scenes, resource entry conditions and other attributes can be included. The signature of the resource is to ensure that the resource comes from a trusted issuing channel.
The resource is stored in an unreadable character string form, so that the resource can be used offline and given off offline, and the credibility and the falsification of the resource are ensured on the basic data level by an unknown technical means. And on the basis, the signature of the key data field strengthens the credible guarantee of the resource technology.
Step 302, the checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information.
After the checkout terminal scans the two-dimensional code corresponding to the resource to obtain the resource attribute information, the checkout terminal may use the public key to perform verification, which is equivalent to performing decryption verification. Specifically, the checkout terminal may verify whether the issuing mechanism of the resource is correct according to the public key corresponding to the signature information in the resource attribute information, and the checkout terminal analyzes the resource attribute information to obtain the resource validity period and the merchant category code of the resource. And the checkout terminal determines whether the resource validity period is over and the merchant category code is in the resource merchant category code list. When all the information passes, the verification is passed.
The public key used by the checkout terminal needs to be updated every day, and the public key is automatically updated when the equipment is started. The public key is generated by a server node that issues the resource, along with a key that encrypts the resource.
Step 303, after the checkout terminal confirms that the verification is passed, the checkout terminal sends a resource transfer transaction request to the server node according to the resource attribute information.
The resource transfer transaction request includes resource attribute information.
Step 304, the server node determines whether the resource participation condition in the resource attribute information meets the marketing activity requirement.
In the embodiment of the invention, the server node is any node in the block chain. The server node may perform further validation on the resource attribute information after receiving the transaction request. The method mainly verifies whether the resource participation condition meets the marketing activity requirement, for example, the marketing activity name and the group name of the resource participation can be verified, whether superposition is supported, the resource use scene, the resource entry condition and other information can be verified.
Transaction failures are returned for transactions that do not meet the activity requirements.
And 305, if the resource attribute information is matched with the resource ID, the server node completes resource transfer according to the resource ID and the resource amount in the resource attribute information, and performs consensus confirmation on the payment information.
When the payment information is agreed, the transaction agreement can be achieved by adopting an effective confirmation counting mode. That is, the server node confirms agreement on the payment information upon receiving more than a preset number of valid consensus confirmations. While payment information may be recorded into the node ledger after agreement is reached.
As the background belongs to a relatively closed industry alliance network, and the nodes in the network have basic reliability, strong consensus mechanism is not needed for balancing the operation efficiency of the system and the transaction reliability, and an effective confirmation counting mode is adopted to achieve transaction consensus. And when the number of the acknowledgements received by the node reaches the minimum number of the acknowledgements, returning a successful transaction response to the acceptance test. And records the transaction into the current node ledger.
This process of resource transfer may also be referred to as a process of resource payment. In this way, the resource offline transfer, namely the resource offline payment, can be realized.
Through the resource transfer process, the random gifting can be realized in the mobile payment terminal (cloud flash payment) with near 0 time delay without registering in an application background. Because the resources are encrypted by the private key in an asymmetric encryption mode, the public key needs to be downloaded in advance by the checkout terminal before payment, and the checkout terminal interrupts the payment of the resources to the Unionpay system through the verification of the public key during payment to ensure the payment safety of the resources. The normal operation of the whole payment function is not influenced when the server node fails or is attacked, and the consensus mechanism of payment confirmation ensures that the resources cannot be consumed again after being used. When the consumer terminal network is not connected, the resource transfer is not influenced.
The foregoing embodiment shows that the checkout terminal obtains two-dimensional code information corresponding to a resource of the consumption terminal, where the two-dimensional code information corresponding to the resource includes resource attribute information, verifies the resource attribute information according to a public key corresponding to signature information in the resource attribute information, and sends a resource transfer transaction request to the server node according to the resource attribute information after the verification is confirmed, where the resource transfer transaction request includes the resource attribute information, so that the server node completes resource transfer after verifying the resource attribute information, and the server node is any node in a block chain. The public key corresponding to the signature information in the resource attribute information is used for verifying the resource attribute information, so that the resource can be verified even if the checkout terminal and the background are interrupted, the resource transfer safety is ensured, and the offline resource transfer is further realized.
Based on the same technical concept, fig. 4 exemplarily shows a structure of a checkout terminal provided by an embodiment of the present invention, and the checkout terminal can perform a resource transfer process.
As shown in fig. 4, the checkout terminal specifically includes:
an obtaining unit 401, configured to obtain two-dimensional code information corresponding to a resource of a consumption terminal; the two-dimension code information corresponding to the resource comprises resource attribute information;
a verifying unit 402, configured to verify the resource attribute information according to a public key corresponding to signature information in the resource attribute information;
a sending unit 403, configured to send a resource transfer transaction request to a server node according to the resource attribute information after the verification is confirmed, where the resource transfer transaction request includes the resource attribute information, so that the server node completes resource transfer after verifying the resource attribute information;
wherein the server node is any node in a federation chain.
Optionally, the verification unit 402 is specifically configured to:
verifying whether the issuing organization of the resource is correct or not according to the public key corresponding to the signature information in the resource attribute information;
analyzing the resource attribute information to obtain the resource validity period and the merchant category code of the resource;
determining whether the resource validity period is expired and the merchant category code is located in a resource merchant category code list.
Optionally, the server node is any node in the block chain.
Based on the same technical concept, fig. 5 exemplarily shows a structure of a server node provided by an embodiment of the present invention, and the server node can perform a flow of resource transfer.
As shown in fig. 5, the server node specifically includes:
a receiving unit 501, configured to receive a resource transfer transaction request sent by an account-settling terminal, where the resource transfer transaction request includes resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified; the server node is any node in the alliance chain;
the processing unit 502 is configured to determine whether a resource participation condition in the resource attribute information meets a marketing activity requirement; and if so, completing resource transfer according to the resource ID and the resource amount in the resource attribute information, and performing consensus confirmation on the payment information.
Optionally, the processing unit 502 is specifically configured to:
and confirming agreement on the payment information when receiving more than a preset number of effective agreement confirmations.
Optionally, the processing unit 502 is further configured to:
and after the payment information is subjected to consensus confirmation, recording the payment information into a node account book.
Optionally, the server node is any node in the block chain.
Based on the same technical concept, an embodiment of the present invention further provides a computing device, including:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the resource transfer method according to the obtained program.
Based on the same technical concept, embodiments of the present invention also provide a computer-readable non-volatile storage medium, which includes computer-readable instructions, and when the computer-readable instructions are read and executed by a computer, the computer is caused to perform the above method for resource transfer.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims (16)

1. A method of resource transfer, comprising:
the checkout terminal acquires two-dimensional code information corresponding to the resource of the consumption terminal; the two-dimension code information corresponding to the resource comprises resource attribute information;
the checkout terminal verifies the resource attribute information according to the public key corresponding to the signature information in the resource attribute information;
and the checkout terminal sends a resource transfer transaction request to a server node according to the resource attribute information after confirming that the verification is passed, wherein the resource transfer transaction request comprises the resource attribute information, so that the server node completes resource transfer after verifying the resource attribute information.
2. The method of claim 1, wherein the verifying the resource attribute information by the checkout terminal according to a public key corresponding to the signature information in the resource attribute information comprises:
the checkout terminal verifies whether the issuing mechanism of the resource is correct or not according to the public key corresponding to the signature information in the resource attribute information;
the checkout terminal analyzes the resource attribute information to obtain the resource validity period and the merchant category code of the resource;
and the checkout terminal determines whether the resource validity period is over and the merchant category code is in the resource merchant category code list.
3. The method of claim 1 or 2, wherein the server node is any node in a blockchain.
4. A method of resource transfer, comprising:
a server node receives a resource transfer transaction request sent by a checkout terminal, wherein the resource transfer transaction request comprises resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified;
the server node determines whether the resource participation condition in the resource attribute information meets the requirement of the marketing activity;
and if so, the server node completes resource transfer according to the resource ID and the resource amount in the resource attribute information and performs consensus confirmation on the payment information.
5. The method of claim 4, wherein the server node consensus-validating the payment information comprises:
and when the server node receives effective consensus confirmation with the quantity larger than the preset quantity, confirming that the payment information is agreed.
6. The method of claim 4, wherein after the server node consensus-confirms payment information, further comprising:
and the server node records the payment information into a node account book.
7. A method according to any one of claims 4 to 6, wherein the server node is any node in a blockchain.
8. A checkout terminal, comprising:
the acquisition unit is used for acquiring the two-dimension code information corresponding to the resource of the consumption terminal; the two-dimension code information corresponding to the resource comprises resource attribute information;
the verification unit is used for verifying the resource attribute information according to a public key corresponding to the signature information in the resource attribute information;
and the sending unit is used for sending a resource transfer transaction request to the server node according to the resource attribute information after the verification is confirmed to be passed, wherein the resource transfer transaction request comprises the resource attribute information, so that the server node completes resource transfer after the resource attribute information is verified.
9. The checkout terminal of claim 8, wherein the verification unit is specifically configured to:
verifying whether the issuing organization of the resource is correct or not according to the public key corresponding to the signature information in the resource attribute information;
analyzing the resource attribute information to obtain the resource validity period and the merchant category code of the resource;
determining whether the resource validity period is expired and the merchant category code is located in a resource merchant category code list.
10. The checkout terminal of claim 8 or 9, wherein the server node is any node in a blockchain.
11. A server node, comprising:
the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a resource transfer transaction request sent by a checkout terminal, and the resource transfer transaction request comprises resource attribute information; the resource transfer transaction request is sent by the checkout terminal after the resource attribute information is verified;
the processing unit is used for determining whether the resource participation condition in the resource attribute information meets the requirement of the marketing activity; and if so, completing resource transfer according to the resource ID and the resource amount in the resource attribute information, and performing consensus confirmation on the payment information.
12. The server node of claim 11, wherein the processing unit is specifically configured to:
and confirming agreement on the payment information when receiving more than a preset number of effective agreement confirmations.
13. The server node of claim 11, wherein the processing unit is further to:
and after the payment information is subjected to consensus confirmation, recording the payment information into a node account book.
14. A server node according to any of claims 11 to 13, wherein the server node is any node in a blockchain.
15. A computing device, comprising:
a memory for storing program instructions;
a processor for calling program instructions stored in said memory to perform the method of any of claims 1 to 7 in accordance with the obtained program.
16. A computer-readable non-transitory storage medium including computer-readable instructions which, when read and executed by a computer, cause the computer to perform the method of any one of claims 1 to 7.
CN201911304649.1A 2019-12-17 2019-12-17 Resource transfer method, account settling terminal and server node Pending CN112862466A (en)

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Application Number Priority Date Filing Date Title
CN201911304649.1A CN112862466A (en) 2019-12-17 2019-12-17 Resource transfer method, account settling terminal and server node
PCT/CN2020/133167 WO2021121030A1 (en) 2019-12-17 2020-12-01 Resource transfer method, settlement terminal, and server node

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