CN110175842A - Transfer account method, system, calculating equipment and storage medium based on block chain - Google Patents

Transfer account method, system, calculating equipment and storage medium based on block chain Download PDF

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Publication number
CN110175842A
CN110175842A CN201910238904.0A CN201910238904A CN110175842A CN 110175842 A CN110175842 A CN 110175842A CN 201910238904 A CN201910238904 A CN 201910238904A CN 110175842 A CN110175842 A CN 110175842A
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CN
China
Prior art keywords
intelligent contract
account
user
business
block chain
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201910238904.0A
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Chinese (zh)
Inventor
胡多峰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
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Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to CN201910238904.0A priority Critical patent/CN110175842A/en
Publication of CN110175842A publication Critical patent/CN110175842A/en
Priority to TW108134611A priority patent/TW202036434A/en
Priority to PCT/CN2020/073857 priority patent/WO2020192272A1/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction

Abstract

This specification provides transfer account method, system, calculating equipment and storage medium based on block chain, wherein the transfer account method based on block chain includes: to receive business processing request, the identity and business information of user are carried in the business processing request;It is written in block chain network according to service request creation intelligent contract corresponding with the service request and by the intelligent contract;It is automatic to execute task of transferring accounts in the case where meeting the automatic execution condition of the intelligent contract, complete the transfer procedure to the user.It ensure that can not distorting for intelligent contract first by this processing mode, secondly in business procession, if meeting the automatic execution condition of intelligent contract, the task of transferring accounts can be then executed automatically, quickly transferring accounts to user is realized, business processing duration is highly shortened, improves work efficiency.

Description

Transfer account method, system, calculating equipment and storage medium based on block chain
Technical field
This specification is related to block chain technical field, in particular to a kind of transfer account method based on block chain, system, calculating Equipment and storage medium.
Background technique
With the development of economy, public quality of life and the level of consumption are continuously improved, more and more things at For even essential component part critically important in our lives.
Insurance has been dissolved into people's lives as a kind of pledge system.The type of insurance is increasingly various, protects Danger indemnity clause be also it is different, in the prior art, user is after insuring, if accident has occurred within the time limit of insuring, It can be compensated by insurance.Currently, mutual insurance belongs to post-paid mode, case is recycled after being in danger by the set time The mode that withholds of batch collects fund, and fund also needs to circulate between the account of associated mechanisms after the completion of collecting, at one section Between after could acknowledge a debt in family to being in danger, this process lasting period is longer, and good user experience can not be brought to user.
Summary of the invention
In view of this, this specification embodiment provide a kind of transfer account method based on block chain, system, calculate equipment and Storage medium, to solve technological deficiency existing in the prior art.
According to the one side of this specification embodiment, a kind of transfer account method based on block chain is provided, comprising:
Business processing request is received, the identity and business information of user are carried in the business processing request;
According to service request creation intelligent contract corresponding with the service request and the intelligent contract is written In block chain network;
It is automatic to execute task of transferring accounts in the case where meeting the automatic execution condition of the intelligent contract, it completes to described The transfer procedure of user.
Optionally, include: according to service request creation intelligent contract corresponding with the service request
The identity for obtaining the user determines corresponding collecting account information according to the identity;
Business information is extracted from the service request and fund produces account information;
The fund is examined to produce account information and the collecting account information legitimacy and accuracy of the user;
In the successful situation of collecting account Information Authentication that the fund produces account information and the user, according to Circulation sequence of the fund between the collecting account that fund produces account and the user creates the intelligent contract.
Optionally, will include: in the intelligent contract write-in block chain network
It will be passed in block chain network with the intelligent contract of private key signature;
Validation verification is carried out to the intelligent contract in incoming block chain network;
After the validation verification success of intelligent contract, intelligent contract is integrated into a Hash block ID, and will be described Hash block ID is diffused into the whole network.
Optionally, after the intelligent contract being written in block chain network, further includes:
Whether monitoring intelligent contract reaches automatic execution condition.
Optionally, whether monitoring intelligent contract reaches automatic execution condition and includes:
Whether state machine, things and/or the trigger condition monitored in the intelligent contract meets preset execution condition, if It is then to show that the intelligent contract reaches automatic execution condition.
Optionally, after the request of reception business processing, further includes:
The identity and business information of user are extracted from business processing request;
Judge whether the user meets preset business processing item according to the identity of the user and business information Part;
In the case where the user meets pre-set business treatment conditions, carry out fund is collected.
Optionally, before carry out fund is collected, further includes:
The business processing amount of money is determined according to the business information;
Obtain program member's total number of persons, according to program member's total number of persons and the business processing amount of money determine each project at Member's account answers the deducted amount of money;
Judge that each program member's account answers whether the deducted amount of money is greater than preset threshold;
If the account of each program member answers the deducted amount of money to be greater than preset threshold, the preset threshold is made Deducted amount of money value is answered for the account of each program member;
If the account of each program member answer the deducted amount of money be less than preset threshold, using the amount of money value as The account of each program member answers deducted amount of money value.
Optionally, in the case where the user is unsatisfactory for pre-set business treatment conditions, display business processing failure is mentioned Show information.
According to the another aspect of this specification embodiment, a kind of fund transfer system based on block chain is provided, comprising:
Receiving module is configured as receiving business processing request, the identity of user is carried in the business processing request Mark and business information;
Creation module is configured as creating intelligent contract corresponding with the service request according to the service request and incite somebody to action In the intelligence contract write-in block chain network;
Execution module is configured as in the case where meeting the automatic execution condition of the intelligent contract, and automatic execute turns Account task completes the transfer procedure to the user.
Optionally, the creation module includes:
Acquisition submodule is configured as obtaining the identity of the user, be determined according to the identity corresponding Collecting account information;
Extracting sub-module is configured as extracting business information from the service request and fund produces account information;
Submodule is examined, is configured as that the fund is examined to produce account information and the collecting account information of the user Legitimacy and accuracy;
Submodule is created, the collecting account information for being configured as producing account information and the user in the fund is tested It demonstrate,proves in successful situation, according to circulation sequence creation institute of the fund between the collecting account that fund produces account and the user State intelligent contract.
Optionally, the creation module further include:
Submodule is transmitted, is configured as to be passed in block chain network with the intelligent contract of private key signature;
Submodule is handled, is configured as carrying out validation verification to the intelligent contract in incoming block chain network;
Submodule is spread, is configured as that intelligent contract is integrated into one after the validation verification success of intelligent contract Hash block ID, and the Hash block ID is diffused into the whole network.
Optionally, a kind of fund transfer system based on block chain, further includes:
Monitoring module, is configured as whether monitoring intelligent contract reaches automatic execution condition.
Optionally, the monitoring module is specifically used for:
Whether state machine, things and/or the trigger condition monitored in the intelligent contract meets preset execution condition, if It is then to show that the intelligent contract reaches automatic execution condition.
Optionally, a kind of fund transfer system based on block chain, further includes:
Extraction module is configured as extracting the identity and business information of user from business processing request;
Judgment module is configured as judging whether the user meets according to the identity and business information of the user Preset business processing condition;
Collection module is configured as in the case where the user meets pre-set business treatment conditions, and carry out fund is collected.
Optionally, the collection module is specifically used for:
The business processing amount of money is determined according to the business information;
Obtain program member's total number of persons, according to program member's total number of persons and the business processing amount of money determine each project at Member's account answers the deducted amount of money;
Judge that each program member's account answers whether the deducted amount of money is greater than preset threshold;
If the account of each program member answers the deducted amount of money to be greater than preset threshold, the preset threshold is made Deducted amount of money value is answered for the account of each program member;
If the account of each program member answer the deducted amount of money be less than preset threshold, using the amount of money value as The account of each program member answers deducted amount of money value.
According to the another aspect of this specification embodiment, a kind of calculating equipment is provided, including memory, processor and deposit The computer instruction that can be run on a memory and on a processor is stored up, the processor realizes the base when executing described instruction In the transfer account method of block chain the step of.
According to the another aspect of this specification embodiment, a kind of computer readable storage medium is provided, is stored with meter The step of calculation machine instructs, and the transfer account method based on block chain is realized when which is executed by processor.
In this specification embodiment, by a kind of transfer account method based on block chain, system computing device and storage medium, Business information, collecting account information and the fund for obtaining user first produce account information, produce account in fund according to fund And the circulation sequence creation self energy contract between the collecting account of user, and intelligent contract is uploaded in block chain, so that block Chain node reaches common understanding to the intelligent contract, ensure that can not distorting for intelligent contract, in business procession, if meeting intelligence The automatic execution condition of energy contract then can execute task of transferring accounts according to the fund flow sequence stated in contract is automatic, realize To quickly transferring accounts for user, and transfer procedure and transfer result are open and clear, increase public credibility, also can to user with Preferably experience.
Detailed description of the invention
Fig. 1 is the structural block diagram provided by the embodiments of the present application for calculating equipment;
Fig. 2 is a kind of flow chart of transfer account method based on block chain provided by the embodiments of the present application;
Fig. 3 is intelligent contract creation method process in a kind of transfer account method based on block chain provided by the embodiments of the present application Figure;
Fig. 4 is that block chain is written in intelligent contract in a kind of transfer account method based on block chain provided by the embodiments of the present application Method flow diagram;
Fig. 5 is that fund collects method flow diagram in a kind of transfer account method based on block chain provided by the embodiments of the present application;
Fig. 6 is a kind of transfer account method flow chart based on block chain provided by the embodiments of the present application;
Fig. 7 is a kind of structural schematic diagram of fund transfer system based on block chain provided by the embodiments of the present application.
Specific embodiment
Many details are explained in the following description in order to fully understand the application.But the application can be with Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where Under do similar popularization, therefore the application is not limited by following public specific implementation.
The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments, It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes One or more associated any or all of project listed may combine.
It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determination ".
In this application, it provides a kind of transfer account method based on block chain, system, calculate equipment and storage medium, It is described in detail one by one in the following examples.
Fig. 1 shows the structural block diagram of the calculating equipment 100 according to one embodiment of this specification.The calculating equipment 100 Component includes but is not limited to memory 110 and processor 120.Processor 120 is connected with memory 110 by bus 130, number According to library 150 for saving data.
Calculating equipment 100 further includes access device 140, access device 140 enable calculate equipment 100 via one or Multiple networks 160 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 140 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..
In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 1 of equipment 100 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in FIG. 1 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.
Calculating equipment 100 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 100 can also be mobile or state type Server.
Wherein, processor 120 can execute the step in a kind of transfer account method based on block chain shown in Fig. 2.Fig. 2 shows A kind of flow chart of transfer account method based on block chain according to one embodiment of this specification is gone out, including step 202 is to step 206。
Step 202: receiving business processing request, the identity and business of user are carried in the business processing request Information.
In one embodiment of this specification, by taking insurance coverage as an example, the user is the program member for being in danger and needing to settle a claim, The identity of user includes the essential informations such as name, age, gender and the address of the user, and the business information of user includes The information such as declaration form number, coverage, insurance title, insured amount, insurance period.
Step 204: according to service request creation intelligence contract corresponding with the service request and by the intelligence Contract is written in block chain network.
It is corresponding with the service request according to service request creation in step 204 in one embodiment of this specification The process of intelligent contract can realize by step shown in Fig. 3, including step 302 is to step 310.
Step 302: obtaining the identity of the user, determine that corresponding collecting account is believed according to the identity Breath.
In one embodiment of this specification, still by taking insurance coverage as an example, collecting account is the account of user to be settled a claim, user Identity include the essential informations such as name, age, gender and the address of the user, further include the account information of user, Business service end can obtain collecting account information directly from the identity of user.
Step 304: extracting business information from the service request and fund produces account information.
In one embodiment of this specification, it includes insurance company's account, bank account and financial service that fund, which produces account, Platform account.
Step 306: the fund being examined to produce account information and the collecting account information legitimacy and standard of the user True property.
In one embodiment of this specification, before generating intelligent contract, also need to produce account information to user information and fund Preposition property verification is carried out, legitimacy and accuracy including examining each account information, if the legitimacy of each account and accurate Property be proved to be successful, then can create intelligent contract, if it exists the legitimacy of at least one account or Accuracy Verification failure, then show Show the prompt information of business processing failure.
Step 308: in the successful feelings of collecting account Information Authentication that the fund produces account information and the user Under condition, the intelligence is created according to circulation sequence of the fund between the collecting account that fund produces account and the user and is closed About.
In one embodiment of this specification, intelligent contract is a set of promise (promises) defined in digital form, including Contract participant can execute the agreement of these promises above.Change into more popular description be exactly intelligent contract be one In computer system, in the case that certain condition is satisfied, the contract that can be performed automatically.
After account information and fund in user produce the legitimacy of account information and accuracy is proved to be successful, intelligence is created Can contract, be provided in intelligent contract fund fund produce circulation sequence between account and collecting account, intelligent contract from The identity of dynamic execution condition and user corresponding with the intelligence contract, in post-paid insurance coverage, intelligent contract The circulation sequence of middle fund is followed successively by financial service platform, bank, insurance company and the collecting account of user.
In one embodiment of this specification, before generating intelligent contract, the account of account and collecting account is first produced to fund Information carries out preposition property verification, and the error rate beaten during money can be effectively reduced, and ensure that the high efficiency, accurate for beating money process Property and safety.
Step 206: in the case where meeting the automatic execution condition of the intelligent contract, task of transferring accounts is executed automatically, it is complete The transfer procedure of the pairs of user.
In one embodiment of this specification, in block chain network, monitoring node can periodically traverse oneself of each intelligent contract Dynamic execution state, affairs and trigger condition, to judge whether monitoring intelligent contract reaches automatic execution condition.If contract reaches It is automatic to execute condition, then the corresponding business information of intelligent contract is read from block chain, and consistency is carried out in block chain network Verifying, that is, carry out the common recognition again of intelligent contract, it was demonstrated that the information in intelligent contract was not tampered with.
By taking air risk as an example, passenger sends intelligent contract creation to business service end and asks after the air ticket of purchase A flight It asks, the purchase of the identity of passenger, the account information of airline and passenger is carried in the intelligence contract request to create Ticket information, business service end receive intelligent contract request to create, according to the intelligent contract request to create creation and the intelligence The corresponding intelligent contract of contract request to create, and the intelligent contract is written in block chain network, specific intelligence contract wound It is as follows to build process:
Identity, Ticketing information and the aviation that the passenger is extracted at business service end from intelligent contract request to create are public Account information is taken charge of, the account information of the passenger is determined according to the identity, then to the conjunction of passenger and airline's account Method and accuracy are tested, in the case where the account information of the passenger and airline are upchecked, according to fund Circulation sequence between airline's account and the account of passenger creates the intelligent contract, specifically, in intelligent contract Content includes: that passenger has bought A flight, if A flight involves a delay, airline need to compensate to passenger, claimable amount M Member, in addition to this, treaty content further include the account information of passenger and airline and the identity of passenger and booking letter Breath uploads to block chain after the completion of intelligent contract creation, and block chain node is known together and stored to intelligent contract, then intelligence Whether contract periodic detection reaches automatic execution condition, i.e. whether detection A flight is late, if detecting A postponements of flights, basis Treaty content is transferred to M member from airline's account to the collecting account of user automatically.
In one embodiment of this specification, intelligent contract can be also used for that each contracting party is urged to abide by treaty obligation, with automatic For refund, if user buys house in a manner of providing a loan, need periodically to refund to lending agency, to ensure that user can be on time It refunds, lending agency can send intelligent contract request to create to business service end, carry in the intelligence contract request to create The house-purchase information of the identity of user, the account information of lending agency and user, business service end receive intelligent contract wound Request is built, intelligent contract corresponding with the intelligence contract request to create is created according to the intelligent contract request to create, and will In the intelligence contract write-in block chain network, specific intelligence contract creation process is as follows:
Identity, house-purchase information and the loan machine of the user is extracted from intelligent contract request to create in business service end The account information of structure determines the account information of the user according to the identity, then to user and lending agency account Legitimacy and accuracy are tested, in the case where the account information of the user and lending agency are upchecked, according to money Circulation sequence of the gold between lending agency account and the account of user creates the intelligent contract, specifically, in intelligent contract Content include: that user buys house by way of loan, loan cost is N member, monthly 25 days periodically to lending agency also Money N member, refund are limited to 3 years in year, and in addition to this, treaty content further includes account information and the user of user and lending agency Identity and house-purchase information upload to block chain after the completion of intelligent contract creation, and block chain node is total to intelligent contract Know and store, then whether intelligent contract periodic detection reaches automatic execution condition, i.e., whether detection user is in forward direction on the 25th Lending agency refund N member, if detecting, user did not refunded before 25 days, according to treaty content automatically from user account to loan The account of mechanism is transferred to N member.
In one embodiment of this specification, creates intelligent contract and upload to intelligent contract in block chain, so that block chain Node reaches common understanding to the intelligent contract, ensure that can not distorting for intelligent contract, in business procession, if meeting intelligence The automatic execution condition of contract then can execute task of transferring accounts according to the fund flow sequence stated in contract is automatic, realize pair User's quickly transfers accounts, and highly shortened business processing duration, and transfer procedure and transfer result are open and clear, increases Public credibility, can also bring better user experience.
It, can be with by the process in the intelligent contract write-in block chain network in step 204 in one embodiment of this specification The step of passing through Fig. 4 realize, including step 402 is to step 406.
Step 402: will be passed in block chain network with the intelligent contract of private key signature.
In one embodiment of this specification, when receive business processing request when, first according to business processing request in letter Breath creates intelligent contract, and the intelligent contract is passed in block chain.
In one embodiment of this specification, intelligent contract can be diffused into area by way of peer-to-peer network or common recognition algorithm Block chain node, peer-to-peer network refer to peer-to-peer computer network, are a kind of points that task and workload are distributed between fellow A kind of networking or latticed form, feature that cloth application architecture, which is P2P computing model, to be formed in application layer include non-central Change, scalability and high performance-price ratio etc..
Step 404: validation verification is carried out to the intelligent contract in incoming block chain network.
In one embodiment of this specification, intelligent contract is spread and is stored in by network on each node of block chain, each Block chain node carries out validation verification to the intelligent contract of deposit, and validation verification is successfully to reach common understanding, and common recognition is block Chain uses a kind of among the participants without mutually recognizing and without establishing on the basis of trusting relationship, by block chain node The identification and verification process to intelligent contract are completed, the intelligent contract passed through of only knowing together can just be written into block and store to area In block chain.
Step 406: after the validation verification success of intelligent contract, intelligent contract is integrated into a Hash block ID, And the Hash block ID is diffused into the whole network.
In one embodiment of this specification, the block chain node in block chain includes the related service machine for accessing the block chain The equipment of the device node of structure, the service equipment of internet platform and regulatory agency.
In one embodiment of this specification, common recognition is to realize the process established between different nodes and trust, obtain equity, is passed through To the common recognition and verifying of intelligent contract, the authenticity of intelligent contract ensure that, after knowing together and being verified, intelligent contract is stored In block chain node, can not distorting for intelligent contract ensure that.
In one embodiment of this specification, the transfer account method shown in Fig. 2 based on block chain further includes executing step The process that money transfer is collected first is carried out before 202, specifically, referring to Fig. 5, including step 502 is to step 506.
Step 502: receiving business processing request, the identity and business of user are carried in the business processing request Information.
Step 504: the identity and business information of user are extracted from business processing request.
Step 506: judging whether the user meets preset industry according to the identity of the user and business information Business treatment conditions.
In one embodiment of this specification, still by taking insurance coverage as an example, when user is in danger and needs to settle a claim, to business service End sends Claims Resolution request, the identity and Claims Resolution information of the user is carried in Claims Resolution request, identity includes the use The essential informations such as name, age, gender and the address at family, settle a claim information in comprising declaration form number, coverage, insure name Whether the information such as title, insured amount, insurance period, business service end can judge the user according to the information carried in Claims Resolution request Meet preset Claims Resolution condition.
Step 508: in the case where the user meets pre-set business treatment conditions, carry out fund is collected.
In one embodiment of this specification, by taking post-paid mutual insurance project as an example, the mechanism of post-paid mutual insurance is to work as After the program member of addition post-paid mutual assistance project is in danger, by sundry item member's shared premium of the project, mesh is added The premium M of preceding each program member is 300,000, it is assumed that program member's sum is N, and the default of each program member shares equal volume and be Q, if there is X member to be in danger, the expense P that each member need to undertake in sundry item member is the value of X*M/N, calculates P's Also need to judge after value P whether be greater than it is default share equal volume Q, if P is less than Q, the expense that each program member need to undertake is P, If P is greater than Q, the expense that each program member need to undertake is Q, the expense that need to be undertaken according to the resulting each program member of calculating With value, corresponding expense is deducted from the account of the program member, and the expense deducted is pooled to a fund and is produced Account.
Fig. 6 shows a kind of transfer account method flow chart based on block chain of this specification one embodiment, including step 602 to step 608.A is that fund collects process in figure, and B is to beat money process based on intelligent contract on block chain.
Step 602: request of withholing is initiated in timing.
In one embodiment of this specification, by taking post-paid mutual insurance project as an example, if thering is program member to be in danger and initiating to manage After paying for request, the identity and medical information that carry in the Claims Resolution request of the program member are verified first, if verifying As a result meet default Claims Resolution condition for the program member, then initiate to withhold to ask from financial service platform timing to sundry item member It asks and withholds.
Step 604: batch being carried out from the account of program member according to deducted amount and is withholdd.
In one embodiment of this specification, periodically initiate to withhold to need first to calculate before request is withholdd to sundry item member The deducted amount of each program member's account calculates step as described in the step 508 in Fig. 5 in detail, and details are not described herein, withholds After the completion of the amount of money calculates, batch is carried out from the account of program member by financial service platform and is withholdd.
Step 606: the fund withheld in batches is collected.
In one embodiment of this specification, fund collects the fund that will be withheld in batches and is pooled to financial service platform, and base It completes in the fund that is pooled to there is the Claims Resolution of program member.
Step 608: executing intelligent contract.
In one embodiment of this specification, the node for accessing the block chain includes: the device node of bank, insurance company The device node of device node, the device node of financial service platform and regulatory agency.
In one embodiment of this specification, after receiving Claims Resolution request, according to the information creating intelligence in Claims Resolution request Contract, and block chain link point is written into the intelligent contract, after the completion of fund is collected, the intelligence that is stored in the first business service end Energy contract timing monitoring state of automata, in the case where detecting the automatic execution condition for meeting the intelligent contract, automatically Intelligent contract is executed, according to the fund stated in the intelligent contract of each node of block chain in B successively in financial service platform, silver Circulation sequence between row, insurance company and the collecting account for the program member that is in danger completes the task of transferring accounts to the program member that is in danger.
In one embodiment of this specification, after receiving Claims Resolution request, the creation process of intelligent contract and fund collect process Progress can be synchronized, is uploaded in block chain after the completion of intelligent contract creation, so that block chain node reaches the intelligent contract At common recognition, can not distorting for intelligent contract ensure that, and when meeting the automatic execution condition of intelligent contract, it can be according to contract The fund flow sequence of middle statement is automatic to execute task of transferring accounts, and realizes quickly transferring accounts to user, highly shortened Claims Resolution Money duration is beaten, and transfer procedure and transfer result are open and clear, increase public credibility, can also bring better user's body It tests.
Corresponding with above method embodiment, this specification additionally provides a kind of fund transfer system based on block chain,
Fig. 7 shows a kind of structural schematic diagram of fund transfer system based on block chain of this specification one embodiment.Such as Shown in Fig. 7, comprising: receiving module 702, creation module 704 and execution module 706.
Receiving module 702 is configured as receiving business processing request, the body of user is carried in the business processing request Part mark and business information;
Creation module 704 is configured as creating intelligent contract corresponding with the service request according to the service request And it will be in the intelligent contract write-in block chain network;
Execution module 706 is configured as in the case where meeting the automatic execution condition of the intelligent contract, automatic to execute It transfers accounts task, completes the transfer procedure to the user.
In one embodiment of this specification, the execution module is additionally configured to timing and traverses the automatic of each intelligent contract Execution state, affairs and trigger condition, to judge whether monitoring intelligent contract reaches automatic execution condition.
In one embodiment of this specification, creation module includes:
Acquisition submodule is configured as obtaining the identity of the user, be determined according to the identity corresponding Collecting account information;
Extracting sub-module is configured as extracting business information from the service request and fund produces account information;
Submodule is examined, is configured as that the fund is examined to produce account information and the collecting account information of the user Legitimacy and accuracy;
Submodule is created, the collecting account information for being configured as producing account information and the user in the fund is tested It demonstrate,proves in successful situation, according to circulation sequence creation institute of the fund between the collecting account that fund produces account and the user State intelligent contract.
In one embodiment of this specification, examine submodule be additionally configured to produce user information and fund account information into The preposition property verification of row, legitimacy and accuracy including examining each account information, if the legitimacy and accuracy of each account It is proved to be successful, then can create intelligent contract, the legitimacy of at least one account or Accuracy Verification failure, then show if it exists The prompt information of business processing failure.
In one embodiment of this specification, the creation module further include:
Submodule is transmitted, is configured as to be passed in block chain network with the intelligent contract of private key signature;
Submodule is handled, is configured as carrying out validation verification to the intelligent contract in incoming block chain network;
Submodule is spread, is configured as that intelligent contract is integrated into one after the validation verification success of intelligent contract Hash block ID, and the Hash block ID is diffused into the whole network.
In one embodiment of this specification, transmission submodule is additionally configured to will by way of peer-to-peer network or common recognition algorithm Intelligent contract is diffused into block chain node, when the common recognition time then, node in block chain will save all intelligence in memory Energy contract forms intelligent contract set, and calculates the cryptographic Hash of the set, and is combined by the cryptographic Hash and intelligent contract collection Block;
Processing submodule is additionally configured to, and obtains the corresponding cryptographic Hash of intelligent contract set in block, and by the cryptographic Hash It is compared with the cryptographic Hash of the intelligent contract set of preservation, block chain node within a preset time reaches intelligent contract set When consistent, common recognition passes through, and obtains the intelligent contract set that common recognition passes through.
In one embodiment of this specification, the fund transfer system based on block chain, further includes: monitoring module is configured as monitoring Whether intelligent contract reaches automatic execution condition.
Wherein, the monitoring module is specifically used for:
Whether state machine, things and/or the trigger condition monitored in the intelligent contract meets preset execution condition, if It is then to show that the intelligent contract reaches automatic execution condition.
In one embodiment of this specification, the fund transfer system based on block chain, further includes:
Extraction module is configured as extracting the identity and business information of user from business processing request;
Judgment module is configured as judging whether the user meets according to the identity and business information of the user Preset business processing condition;
Collection module is configured as in the case where the user meets pre-set business treatment conditions, and carry out fund is collected.
Wherein, the collection module is specifically used for:
The business processing amount of money is determined according to the business information;
Obtain program member's total number of persons, according to program member's total number of persons and the business processing amount of money determine each project at Member's account answers the deducted amount of money;
Judge that each program member's account answers whether the deducted amount of money is greater than preset threshold;
If the account of each program member answers the deducted amount of money to be greater than preset threshold, the preset threshold is made Deducted amount of money value is answered for the account of each program member;
If the account of each program member answer the deducted amount of money be less than preset threshold, using the amount of money value as The account of each program member answers deducted amount of money value.
In one embodiment of this specification, in the case where the user is unsatisfactory for pre-set business treatment conditions, business is shown The prompt information of processing failure.
In one embodiment of this specification, block chain is a kind of sequentially in time by data block in such a way that sequence is connected A kind of linked data structure being combined into, and the distributed account book that can not be distorted He can not forge guaranteed in a manner of cryptography. Intelligent contract is the contract code operated on block chain, has become block chain using indispensable part.Intelligent contract Exactly promote the execution of contract by agreement and user interface, it is that safety, digitlization relationship are formed in internet It is crucial.The features such as intelligent contract needs with uniformity, observability, verifiability, self forcing property and access to control.The present invention will Intelligent contract is written in block chain in the form of digitized, has ensured that entire transfer procedure is transparent traceable, while also ensureing Intelligent contract and transfer information can not be distorted.Intelligent contract inspects periodically state of automata, if detecting the intelligent contract of satisfaction It is automatic to execute condition, then it is automatic to execute intelligent contract, intelligent contract is efficiently run, realizes and quickly beats money, because This is also capable of providing better user experience.
A kind of calculating equipment is also provided in one embodiment of this specification, including memory, processor and is stored in memory Computer instruction that is upper and can running on a processor, the processor realize that described one kind is based on area when executing described instruction The step of transfer account method of block chain.
One embodiment of the application also provides a kind of computer readable storage medium, is stored with computer instruction, the instruction The step of a kind of foregoing transfer account method based on block chain is realized when being executed by processor.
A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited The technical solution of storage media and a kind of technical solution of above-mentioned transfer account method based on block chain belong to same design, and storage is situated between The detail content that the technical solution of matter is not described in detail may refer to the technical solution of the above-mentioned transfer account method based on block chain Description.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can With or may be advantageous.
The computer instruction includes computer program code, the computer program code can for source code form, Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.
It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen It please be necessary.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment Point, it may refer to the associated description of other embodiments.
The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only It is limited by claims and its full scope and equivalent.

Claims (17)

1. a kind of transfer account method based on block chain characterized by comprising
Business processing request is received, the identity and business information of user are carried in the business processing request;
According to service request creation intelligent contract corresponding with the service request and block is written into the intelligent contract In chain network;
It is automatic to execute task of transferring accounts in the case where meeting the automatic execution condition of the intelligent contract, it completes to the user Transfer procedure.
2. the method as described in claim 1, which is characterized in that described according to service request creation and the service request It is corresponding intelligence contract include:
The identity for obtaining the user determines corresponding collecting account information according to the identity;
Business information is extracted from the service request and fund produces account information;
The fund is examined to produce account information and the collecting account information legitimacy and accuracy of the user;
In the successful situation of collecting account Information Authentication that the fund produces account information and the user, according to fund Circulation sequence between the collecting account that fund produces account and the user creates the intelligent contract.
3. the method as described in claim 1, which is characterized in that described to be wrapped in the intelligent contract write-in block chain network It includes:
It will be passed in block chain network with the intelligent contract of private key signature;
Validation verification is carried out to the intelligent contract in incoming block chain network;
After the validation verification success of intelligent contract, intelligent contract is integrated into a Hash block ID, and by the Hash Block ID is diffused into the whole network.
4. the method as described in claim 1, which is characterized in that described by it in the intelligent contract write-in block chain network Afterwards, further includes:
Whether monitoring intelligent contract reaches automatic execution condition.
5. method as claimed in claim 4, which is characterized in that whether the monitoring intelligent contract, which reaches automatic, executes condition packet It includes:
Whether state machine, things and/or the trigger condition monitored in the intelligent contract meets preset execution condition, if so, Then show that the intelligent contract reaches automatic execution condition.
6. the method as described in claim 1, which is characterized in that after the reception business processing request, further includes:
The identity and business information of user are extracted from business processing request;
Judge whether the user meets preset business processing condition according to the identity of the user and business information;
In the case where the user meets pre-set business treatment conditions, carry out fund is collected.
7. method as claimed in claim 6, which is characterized in that before the carry out fund is collected, further includes:
The business processing amount of money is determined according to the business information;
Program member's total number of persons is obtained, each program member's account is determined according to program member's total number of persons and the business processing amount of money Answer the deducted amount of money in family;
Judge that each program member's account answers whether the deducted amount of money is greater than preset threshold;
If the account of each program member answers the deducted amount of money to be greater than preset threshold, using the preset threshold as every The account of a program member answers deducted amount of money value;
If the account of each program member answers the deducted amount of money to be less than preset threshold, using the amount of money value as each The account of program member answers deducted amount of money value.
8. method as claimed in claim 6, which is characterized in that further include:
In the case where the user is unsatisfactory for pre-set business treatment conditions, the prompt information of display business processing failure.
9. a kind of fund transfer system based on block chain characterized by comprising
Receiving module is configured as receiving business processing request, the identity of user is carried in the business processing request And business information;
Creation module, be configured as being created according to the service request intelligent contract corresponding with the service request and will described in In intelligent contract write-in block chain network;
Execution module is configured as in the case where meeting the automatic execution condition of the intelligent contract, and automatic execution, which is transferred accounts, appoints The transfer procedure to the user is completed in business.
10. system as claimed in claim 9, which is characterized in that the creation module includes:
Acquisition submodule is configured as obtaining the identity of the user, determines corresponding gathering according to the identity Account information;
Extracting sub-module is configured as extracting business information from the service request and fund produces account information;
Submodule is examined, is configured as examining that the fund produces account information and the collecting account information of the user is legal Property and accuracy;
Create submodule, be configured as the fund produce the collecting account Information Authentication of account information and the user at In the case where function, the intelligence is created according to circulation sequence of the fund between the collecting account that fund produces account and the user It can contract.
11. system as claimed in claim 9, which is characterized in that the creation module further include:
Submodule is transmitted, is configured as to be passed in block chain network with the intelligent contract of private key signature;
Submodule is handled, is configured as carrying out validation verification to the intelligent contract in incoming block chain network;
Submodule is spread, is configured as that intelligent contract is integrated into a Hash after validation verification success of intelligent contract Block ID, and the Hash block ID is diffused into the whole network.
12. system as claimed in claim 9, which is characterized in that further include:
Monitoring module, is configured as whether monitoring intelligent contract reaches automatic execution condition.
13. system as claimed in claim 12, which is characterized in that the monitoring module is specifically used for:
Whether state machine, things and/or the trigger condition monitored in the intelligent contract meets preset execution condition, if so, Then show that the intelligent contract reaches automatic execution condition.
14. system as claimed in claim 9, which is characterized in that further include:
Extraction module is configured as extracting the identity and business information of user from business processing request;
Judgment module is configured as judging whether the user meets according to the identity and business information of the user default Business processing condition;
Collection module is configured as in the case where the user meets pre-set business treatment conditions, and carry out fund is collected.
15. system as claimed in claim 14, which is characterized in that the collection module is specifically used for:
The business processing amount of money is determined according to the business information;
Program member's total number of persons is obtained, each program member's account is determined according to program member's total number of persons and the business processing amount of money Answer the deducted amount of money in family;
Judge that each program member's account answers whether the deducted amount of money is greater than preset threshold;
If the account of each program member answers the deducted amount of money to be greater than preset threshold, using the preset threshold as every The account of a program member answers deducted amount of money value;
If the account of each program member answers the deducted amount of money to be less than preset threshold, using the amount of money value as each The account of program member answers deducted amount of money value.
16. a kind of calculating equipment including memory, processor and stores the calculating that can be run on a memory and on a processor Machine instruction, which is characterized in that the processor realizes the step of claim 1-8 any one the method when executing described instruction Suddenly.
17. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of claim 1-8 any one the method is realized when row.
CN201910238904.0A 2019-03-27 2019-03-27 Transfer account method, system, calculating equipment and storage medium based on block chain Pending CN110175842A (en)

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