Abstract
Optical flash payment technology is a form of optical flash payment application. Its payment scenario is mainly to directly realize “card free payment” in the consumption process through mobile devices, Bluetooth and other connection methods on mobile terminal devices such as smart phones under the mobile Internet environment. The “flash payment” is a more convenient payment method and a new payment channel without the function of electronic wallet. Compared with the current mainstream payment methods, it is more collaborative and complementary. Aggregated payment is a fourth party payment platform, which is different from Alipay, WeChat and other third payment platforms. Aggregated payment is a combination of technology and a platform that combines multiple payment methods. Based on the background of massive distributed power generation connected to the grid, this paper studied the key technologies of flash payment in combination with marketing blockchain, and discussed the data sharing mechanism of marketing information in multiple scenarios from the perspective of marketing blockchain by studying the data sharing mechanism in different scenarios. In this paper, a distributed optical flash payment system and a blockchain based encryption algorithm were proposed. Based on this research, the experimental results of key technologies of aggregated optical flash payment based on marketing blockchain were analyzed. The experimental results in this paper showed that 38.7 % of the users contacted the aggregation payment through the online platform. 11.7 % of people communicated through chatting with friends, and 9.8 % of enterprises got in touch through preferential policies. 4.5 % of them publicized through the media, and 8.3 % made requests through payment plans. 21 % of them transferred money through remittance, and 6 % of them got it through other ways. When using aggregate payment, the main reasons for users to choose aggregate payment were the network, friends chatting, and the acceptance of other people’s remittances. In the case that users used aggregate payment services, they most often used transfer and remittance, and most of these purchases were paid through mobile payment and credit card. In terms of users’ use of third-party services, it could be seen that transportation services and movie tickets were the most common ways of use. In terms of the aggregation payment strategy, the improvement of the three levels of aggregation payment could improve the risk prevention ability. First, the complaint mechanism was established to detect and correct potential vulnerabilities in the system in a timely manner. Second, consumers’ sense of self-protection should be strengthened. Third, the legal construction of the payment industry should be promoted to increase the strike force against illegal use.
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Author contribution: All the authors have accepted responsibility for the entire content of this submitted manuscript and approved submission.
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Research funding: No funding were used to support this study.
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Conflict of interest statement: These are no potential competing interests in our paper. And all authors have seen the manuscript and approved to submit to your journal. We confirm that the content of the manuscript has not been published or submitted for publication elsewhere.
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Data availability statement: No data were used to support this study.
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