CN114066450A - Campus card payment method, device and equipment based on block chain - Google Patents
Campus card payment method, device and equipment based on block chain Download PDFInfo
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- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The application discloses campus card payment method, device and equipment based on a block chain, which can be applied to the field of the block chain and the field of finance, can realize offline consumption of a campus card system based on the block chain, ensure the payment success rate in a dining room, and improve dining experience of a user. The method comprises the following steps: the campus card system firstly scans the collection two-dimensional code of a target card swiping machine in a dining room to obtain the public key of the target card swiping machine, then receives the amount of payment digital currency input by a user and packages the payment digital currency into a target transaction data packet, then receives a private key signature input by the user and combines the target transaction data packet to generate the payment two-dimensional code, so that the target card swiping machine can store payment information by scanning the payment two-dimensional code, and further can write the payment information of offline payment into a block chain under the condition that the network environment is normal, so that the target card swiping machine can obtain the digital currency from the block chain according to the stored payment information and complete payment transaction.
Description
Technical Field
The application relates to the technical field of blockchain, in particular to a campus card payment method, device and equipment based on blockchain.
Background
The canteen is often an important component of a school, directly influences physical and mental health of teachers and students, is related to stability and development of the school, and how to ensure normal consumption of teachers and students in the canteen is the key point of canteen work.
However, at present, in the peak of dining at noon or evening, there are often more dining staff in a dining hall, and it often happens that a plurality of users occupy signal resources in a short time, which causes the situations of network disorder or informatization environment abnormality, etc., and the transaction success rate cannot be guaranteed, so that the situations of payment failure, recharging failure, etc. are inevitable, which greatly affects the dining experience of the dining staff, and even may cause group events. Therefore, how to guarantee the payment success rate in the canteen to improve the dining experience of the user is a problem to be solved urgently at present.
Disclosure of Invention
The embodiment of the application mainly aims to provide a campus card payment method, device and equipment based on a block chain, off-line consumption of a campus card system can be achieved based on the block chain, the payment success rate in a dining room is guaranteed, and dining experience of a user is improved.
In a first aspect, an embodiment of the present application provides a campus card payment method based on a blockchain, where the method is applied to a campus card system, and the method includes:
scanning a collection two-dimensional code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine;
receiving the amount of payment digital currency input by a user, and packaging the amount into a target transaction data packet:
receiving a private key signature input by a user, and generating a payment two-dimensional code by combining the target transaction data packet so that the target POS machine can store payment information by scanning the payment two-dimensional code;
and under the condition that the network environment is normal, writing the payment information of the offline payment into a block chain, so that the target card swiping machine acquires digital currency from the block chain according to the saved payment information and completes payment transaction.
Optionally, the two-dimensional payment receiving code of the target card swiping machine is generated according to the ID of the target card swiping machine, the public key of the target card swiping machine, the transaction time and the transaction amount.
Optionally, the receiving a private key signature input by a user, and generating a payment two-dimensional code in combination with the target transaction data packet, includes:
and receiving a private key signature input by a user, and generating a payment two-dimensional code by using the private key signature, the ID of the campus card, the transaction time, the amount of payment digital currency and the ID of the target card swiping machine.
Optionally, under a normal network environment, the method further includes, after writing payment information of offline payment into a blockchain, so that the target card swiping machine acquires digital currency from the blockchain according to the saved payment information and completes a payment transaction:
and subtracting the payment amount in the payment information from the balance of the campus card to update the balance of the campus card, so as to obtain the updated balance of the campus card.
In a second aspect, an embodiment of the present application further provides a campus card payment device based on a blockchain, where the device is applied to a campus card system, and the device includes:
the scanning unit is used for scanning a collection two-dimensional code of a target card swiping machine in a canteen to obtain a public key of the target card swiping machine;
a receiving unit, configured to receive an amount of payment digital currency input by a user, and package the amount into a target transaction data packet:
the generating unit is used for receiving a private key signature input by a user and generating a payment two-dimensional code by combining the target transaction data packet so that the target POS machine can store payment information by scanning the payment two-dimensional code;
and the payment unit is used for writing the payment information of offline payment into the block chain under the condition that the network environment is normal, so that the target card swiping machine acquires digital currency from the block chain according to the saved payment information and completes payment transaction.
Optionally, the two-dimensional payment receiving code of the target card swiping machine is generated according to the ID of the target card swiping machine, the public key of the target card swiping machine, the transaction time and the transaction amount.
Optionally, the generating unit is specifically configured to:
and receiving a private key signature input by a user, and generating a payment two-dimensional code by using the private key signature, the ID of the campus card, the transaction time, the amount of payment digital currency and the ID of the target card swiping machine.
Optionally, the apparatus further comprises:
and the updating unit is used for writing the payment information of the offline payment into the block chain under the condition that the network environment is normal, so that the target card swiping machine can acquire digital currency from the block chain according to the stored payment information, and after the payment transaction is completed, the balance of the campus card is subtracted by the payment amount in the payment information, so that the balance of the campus card is updated, and the updated balance of the campus card is obtained.
The embodiment of the present application further provides a campus card payment device based on the blockchain, including: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is configured to store one or more programs, the one or more programs including instructions, which when executed by the processor, cause the processor to perform any one of the implementations of the blockchain based campus card payment method described above.
The embodiment of the application further provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are run on a terminal device, the terminal device is enabled to execute any implementation manner of the campus card payment method based on the blockchain.
The campus card payment method, device and equipment based on the block chain are provided by the embodiment of the application, wherein a campus card system firstly scans a two-dimensional collection code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine, then receives the amount of payment digital currency input by a user, packages the amount of payment digital currency into a target transaction data packet, receives a private key signature input by the user, combines the target transaction data packet to generate the payment two-dimensional code, so that the target card swiping machine can obtain the digital currency from the block chain by scanning the payment two-dimensional code and store the payment information, and further can write the payment information of offline payment into the block chain under the condition of normal network environment, so that the target card swiping machine can obtain the digital currency from the block chain according to the stored payment information and complete payment transaction. Therefore, offline consumption of the campus card system can be realized based on the block chain, the payment success rate in a dining room is guaranteed, and dining experience of a user is improved.
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, and it is obvious that the drawings in the following description are some embodiments of the present application, 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 flowchart of a campus card payment method based on a blockchain according to an embodiment of the present disclosure;
fig. 2 is a schematic composition diagram of a campus card payment device based on a blockchain according to an embodiment of the present disclosure.
Detailed Description
At present, in the dining peak period of a school canteen, a plurality of users seize signal resources in a short time generally, so that the conditions of network unsmooth or abnormal informatization environment are caused, the transaction success rate cannot be guaranteed, the conditions of payment failure, recharging failure and the like are inevitable, the dining experience of diners is greatly influenced, and even a group event can be caused. Therefore, how to guarantee the payment success rate in the canteen to improve the dining experience of the user is a problem to be solved urgently at present.
In order to solve the above defects, an embodiment of the present application provides a campus card payment method based on a block chain, where a campus card system first scans a two-dimensional payment code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine, then receives the amount of payment digital money input by a user, and packages the amount of payment digital money into a target transaction data packet, and then receives a private key signature input by the user, and combines the target transaction data packet to generate a two-dimensional payment code, so that the target card swiping machine scans the two-dimensional payment code to store payment information, and further can write the payment information of offline payment into the block chain under a normal network environment, so that the target card swiping machine obtains the digital money from the block chain according to the stored payment information, and completes payment transaction. Therefore, offline consumption of the campus card system can be realized based on the block chain, the payment success rate in a dining room is guaranteed, and dining experience of a user is improved.
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, 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 some embodiments of the present application, but not all 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.
First embodiment
Referring to fig. 1, a schematic flow chart of a campus card payment method based on a blockchain provided in this embodiment is shown, where the method includes the following steps:
s101: and scanning the collection two-dimensional code of the target card swiping machine in the dining room to obtain the public key of the target card swiping machine.
It should be noted that, the current campus card consumption is completed based on a networking state, the dependence on the stability of a network and an information system is high, a dining hall is generally built in a place with poor signals such as a building 1, dining personnel are concentrated in a short time, the requirement for dining is urgent, and the dining experience of a user is poor due to the fact that payment cannot be completed. Moreover, the conventional campus card consumption generally supports cash offline payment and online code scanning payment, and if the campus card consumption is offline payment, the campus card consumption does not have traceability and is not convenient for canteen management. Even if online payment is carried out, the consumption security of the campus card cannot be guaranteed, and the situation of tampering can occur.
In addition, as most people who have meals in school dining halls are teachers and students with definite identities and have meals at fixed points (such as lunch and dinner), small payment is usually made in a closed environment, and if the people cannot have meals due to payment problems, the dining experience of users and the public praise and benefit of merchants are seriously influenced.
In order to guarantee the payment success rate in the canteen and improve the dining experience of the user, the campus card scene is established on the basis of a credit system, the digital currency account is recharged into the campus card, the campus card and the digital currency wallet sign a withholding contract, the balance of the digital wallet is inquired before withholding, and the withholding amount is required to be not more than the balance of the digital wallet. When the balance of the campus card is insufficient, the money can be paid thoroughly, and the money amount paid thoroughly can be automatically replenished from the digital money wallet according to the appointed time, similar to the automatic payment function of a credit card.
Meanwhile, the campus card is limited to be cleared uniformly before students leave a school or workers leave the work, otherwise, the school or work leaving procedure cannot be finished so as to finish the additional payment.
On the basis, payment can be completed under the condition of no networking by executing S101-S104 in the embodiment, and transaction information is automatically sent to the block chain under the condition that the network is provided, so that deduction and settlement are completed.
Specifically, in the present embodiment, any canteen swipe user who implements a payment transaction using the present embodiment is defined as a target swipe. In order to realize offline consumption of the campus card system, the payment success rate in a canteen is guaranteed, and the dining experience of a user is improved. When the network signal is not good, the payment transaction is finished by adopting the two-dimensional code communication function of the campus card system. Firstly, a campus card system is utilized to scan a collection two-dimensional code of a target card swiping machine in a canteen to obtain a public key of the target card swiping machine, and the public key is used for executing the subsequent step S102.
According to the optional implementation mode, the collection two-dimensional code of the target card swiping machine is generated according to the ID of the target card swiping machine, the public key of the target card swiping machine, the transaction time and the transaction amount.
It should be noted that, in this implementation manner, the campus card system needs to record the student numbers or the employee numbers of the students in advance, and the card swiping machine and the campus card system respectively belong to the server and the application terminal, and are used in a matching manner. And each POS sets up its own corresponding public key in advance for use in deduction, for example, the ID of A POS is Aid, the public key is Ka, the transaction time is t, the transaction amount is Mt, then the two-dimensional code ID composition of collection generated by A POS is as follows: PIDa ═ { Aid, Ka, t, Mt }.
S102: and receiving the amount of the payment digital currency input by the user and packaging the amount into a target transaction data packet.
In this embodiment, after the campus card system scans the two-dimensional payment code of the target card swiping machine in the dining room through step S101 to obtain the public key of the target card swiping machine, the campus card system may further receive the amount of the digital payment currency input by the user, and package the amount into a target transaction data packet for executing the subsequent step S103.
For example, the following steps are carried out: the student X pays 20 digital currencies for the A card swiping machine to complete the transaction, the campus card system of the student X and the A card swiping machine both have digital wallets, the network signal is not good at the moment, and the payment transaction can be completed through the two-dimensional code communication function of the campus card system between the student X and the A card swiping machine. Specifically, the digital wallet of the card swiping machine a is opened, the digital wallet to be paid is received by the merchant, the digital currency amount 20 to be paid is input, and a two-dimensional collection code is generated by clicking, wherein the two-dimensional collection code comprises the digital wallet address (contained in the Aid) of the card swiping machine a and the public key (Ka) of the card swiping machine a. Then, the student X opens the campus card system on the mobile phone, starts the camera, scans the two-dimensional collection code of the card swiping machine a, obtains the public key of the card swiping machine a, inputs the payment digital currency 20, and packages the payment digital currency into a transaction, which is used as a target transaction data packet to execute the subsequent step S103.
S103: and receiving a private key signature input by a user, and generating a payment two-dimensional code by combining a target transaction data packet so that the target POS machine can store payment information by scanning the payment two-dimensional code.
In this embodiment, after the campus card system generates the target transaction data packet through step S102, it may further receive a private key signature (such as a payment password) input by the user, and generate a payment two-dimensional code in combination with the target transaction data packet, so that the target card swiping machine scans the payment two-dimensional code, stores the payment information, and performs the subsequent step S104.
For example, the following steps are carried out: based on the above example, after the public key of the card swiping machine a is obtained, the payment digital currency 20 is input and packaged into a transaction, and the transaction is used as a target transaction data packet, a payment password (similar to a private key signature) can be further input, and the series of actions generate a payment two-dimensional code for the card swiping machine a to scan, so that the card swiping machine a scans the payment two-dimensional code and stores payment information for executing the subsequent step S104.
An optional implementation manner is that the implementation process of step S103 may specifically include: and receiving a private key signature input by a user, and generating a payment two-dimensional code by using the private key signature, the ID of the campus card, the transaction time, the amount of payment digital currency and the ID of the target card swiping machine.
It should be noted that, in this implementation, the diner needs to use the two-dimensional collection code generated by the code scanning target card swiping machine of the campus card system, and after checking that the transaction amount Mt is correct, input the payment password to complete payment, and at the payment time T, the ID of the campus card X during payment is output as Xid, and the private key XKt +, the synthesized payment key (i.e. the payment two-dimensional code) is: xt ═ Xid, XKt+And T, Mt and Aid }, generating a deduction request, and then pasting the campus card system on the card swiping machine system, so that the note book can be prerecorded in the card swiping machine and the campus card system, the campus card proposes a pre-deduction application, and when the network is normal, the subsequent step S104 can be executed.
S104: under the condition that the network environment is normal, the payment information of the offline payment is written into the block chain, so that the target card swiping machine acquires the digital currency from the block chain according to the saved payment information and completes the payment transaction.
In this embodiment, the campus card system generates a payment two-dimensional code for scanning by the target card swiping machine, so that the target card swiping machine can write the payment information of offline payment into the block chain by scanning the payment two-dimensional code after saving the payment information, and further under the condition that the network environment is normal, so that the target card swiping machine can obtain digital currency from the block chain according to the saved payment information and complete payment transaction.
For example, the following steps are carried out: based on the above example, after the campus card system generates a payment two-dimensional code for the campus card swipe machine a to scan, the campus card swipe machine a can store the public key of the campus card swipe machine a, the public key of the campus card swipe machine X and the information transaction of the paid 20 digital currencies by scanning the payment two-dimensional code of the campus card swipe machine a, and the campus card swipe machine a of the student X can record the payment running water of the 20 digital currencies. After the student X returns to the place where the signal is normal, the campus card system can write the transaction of off-line payment into the block chain, and after the authenticity of transaction information is verified, the transaction is synchronized to the A card swiping machine for payment, and the payment transaction is completed.
Or after checking the authenticity of the payment transaction, transmitting the payment transaction to the target card swiping machine after the campus card system pre-deduction application is approved, and writing the pre-stored money into the block chain by the target card swiping machine. And finishing subsequent deduction and settlement, wherein the specific implementation process and the deduction initiator can be set according to the actual condition, and the deduction initiator is not limited in the application.
Further, after the payment transaction is completed, an optional implementation manner may be to subtract the payment amount in the payment information from the balance of the campus card, so as to update the balance of the campus card, and obtain the updated balance of the campus card. Namely, the campus card balance is updated to be the balance before payment minus the offline payment amount, and the charging amount of the merchant on the block chain is periodically cleared to the digital wallet of the merchant so as to facilitate the subsequent accurate and safe payment transaction.
The campus card payment method realized by executing the steps S101-S104 can solve the dependence on the network, avoid transaction congestion and improve the payment success rate. The digital currency campus card consumption solves the inconvenience of carrying and changing the offline RMB. Meanwhile, based on a secret key system and a credit system, the safety and the reliability of the transaction are guaranteed, the situation of tampering is prevented, great convenience is provided for small payment in a closed environment, and the dining experience of a user and the public praise and benefit of the credit of a merchant are further improved.
In summary, in the campus card payment method based on the block chain provided in this embodiment, a campus card system firstly scans a two-dimensional payment code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine, then receives the amount of payment digital money input by a user, and packages the amount of payment digital money into a target transaction data packet, and then receives a private key signature input by the user, and generates a two-dimensional payment code in combination with the target transaction data packet, so that the target card swiping machine can store payment information by scanning the two-dimensional payment code, and further can write the payment information of offline payment into the block chain under the condition that a network environment is normal, so that the target card swiping machine can obtain the digital money from the block chain according to the stored payment information and complete payment transaction. Therefore, offline consumption of the campus card system can be realized based on the block chain, the payment success rate in a dining room is guaranteed, and dining experience of a user is improved.
Second embodiment
In this embodiment, a campus card payment device based on a blockchain will be described, and for related contents, please refer to the above method embodiment.
Referring to fig. 2, a schematic view of a campus card payment device based on a blockchain according to this embodiment is shown, where the device is applied to a campus card system, and specifically includes:
the scanning unit 201 is used for scanning a collection two-dimensional code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine;
a receiving unit 202, configured to receive an amount of payment digital currency input by a user, and package the amount into a target transaction data packet:
the generating unit 203 is used for receiving a private key signature input by a user and generating a payment two-dimensional code in combination with the target transaction data packet, so that the target POS machine can store payment information by scanning the payment two-dimensional code;
and the payment unit 204 is configured to, under a normal network environment, write payment information of offline payment into the block chain, so that the target card swiping machine acquires digital currency from the block chain according to the saved payment information, and completes payment transaction.
In an implementation manner of this embodiment, the two-dimensional payment code of the target card swiping machine is generated according to the ID of the target card swiping machine, the public key of the target card swiping machine, the transaction time, and the transaction amount.
In an implementation manner of this embodiment, the generating unit 203 is specifically configured to:
and receiving a private key signature input by a user, and generating a payment two-dimensional code by using the private key signature, the ID of the campus card, the transaction time, the amount of payment digital currency and the ID of the target card swiping machine.
In an implementation manner of this embodiment, the apparatus further includes:
and the updating unit is used for writing the payment information of the offline payment into the block chain under the condition that the network environment is normal, so that the target card swiping machine can acquire digital currency from the block chain according to the stored payment information, and after the payment transaction is completed, the balance of the campus card is subtracted by the payment amount in the payment information, so that the balance of the campus card is updated, and the updated balance of the campus card is obtained.
In summary, according to the campus card payment device based on the block chain provided by this embodiment, a campus card system firstly scans a two-dimensional payment code of a target card swiping machine in a dining room to obtain a public key of the target card swiping machine, then receives the amount of payment digital money input by a user, and packages the amount of payment digital money into a target transaction data packet, then receives a private key signature input by the user, and combines the target transaction data packet to generate a two-dimensional payment code, so that the target card swiping machine can store payment information by scanning the two-dimensional payment code, and further can write the payment information of offline payment into the block chain under the condition that a network environment is normal, so that the target card swiping machine can obtain the digital money from the block chain according to the stored payment information and complete payment transaction. Therefore, offline consumption of the campus card system can be realized based on the block chain, the payment success rate in a dining room is guaranteed, and dining experience of a user is improved.
Further, an embodiment of the present application further provides campus card payment equipment based on a blockchain, including: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is configured to store one or more programs, the one or more programs including instructions, which when executed by the processor, cause the processor to perform any of the implementation methods of the blockchain based campus card payment method described above.
Further, an embodiment of the present application further provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are run on a terminal device, the terminal device is caused to execute any implementation method of the above campus card payment method based on a blockchain.
As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
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.
In addition, the campus card payment method, device and equipment based on the blockchain provided by the invention can be applied to the field of blockchains and the field of finance. The above description is only an example, and does not limit the application field of the block chain based campus card payment method, apparatus and device provided by the present invention.
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)
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