CN110322239A - A kind of business management method and relevant device - Google Patents

A kind of business management method and relevant device Download PDF

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Publication number
CN110322239A
CN110322239A CN201810281779.7A CN201810281779A CN110322239A CN 110322239 A CN110322239 A CN 110322239A CN 201810281779 A CN201810281779 A CN 201810281779A CN 110322239 A CN110322239 A CN 110322239A
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China
Prior art keywords
block chain
business platform
chain node
corresponding block
transaction information
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CN201810281779.7A
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Chinese (zh)
Inventor
周朴生
宋丹
何进龙
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Huawei Technologies Co Ltd
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Huawei Technologies Co Ltd
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Priority to CN201810281779.7A priority Critical patent/CN110322239A/en
Publication of CN110322239A publication Critical patent/CN110322239A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

The embodiment of the present application discloses a kind of business management method and relevant device, the business management method is applied to overdraw system, the overdraw system includes the first business platform and at least one second business platform, each business platform configures a block chain node, multiple block chain nodes form a block catenary system, comprising: the first business platform receives the service request that user equipment is sent；First business platform generates Transaction Information according to the service request, and the corresponding block chain node of first business platform is written in the Transaction Information；To Transaction Information described in the corresponding block chain node broadcasts of at least one described second business platform, the Transaction Information is used to carry out overdraw service management after at least one described second business platform is obtained from the corresponding block chain node the corresponding block chain node of first business platform.Using the embodiment of the present application, the interaction times between business platform are reduced, the safety of information management is improved.

Description

A kind of business management method and relevant device
Technical field
This application involves field of information management more particularly to a kind of business management methods and relevant device.
Background technique
Overdraw system is that the trading account of user is associated with to an overdrawing account, facilitates user to make up by overdraw short-term Insufficient funds.Overdraw system includes multiple business platforms, for example, the payment platform of service provider and quota control platform and The Quota distribution platform of fund provider.User is built with service provider and fund provider first when using overdraw system Vertical overdraft arrangement, determines the available amount of overdraw, and then can overdrawing in process of exchange, the amount of money of amount can be used no more than this, Expense and interest are calculated for the amount of money of having overdrawed later.Ultimate consumer needs within a specified time to refund, and otherwise increases income Extra-pay.
But overdraw system has the following problems: first, it is needed when being traded every time using overdraw system flat in payment When frequently being interacted between platform, quota control platform and Quota distribution platform, and being interacted between business platform, certain A business platform needs that another business platform is waited to return to processing result, increases the processing time of transaction.Second, Duo Geye Message is frequently sent between business platform, once platform is attacked or code key is stolen, interactive information exists intercepted or distorts Risk, therefore not can guarantee the safety of information.
Summary of the invention
The embodiment of the present application provides a kind of business management method and relevant device, reduces the interaction time between business platform Number, improves the safety of information management.
In a first aspect, the embodiment of the present application provides a kind of business management method, business management method is applied to overdraw system System, overdraw system include the first business platform and at least one second business platform, and each business platform configures a block chain Node, multiple block chain nodes form a block catenary system.It include: that the first business platform receives the business that user equipment is sent Request；Transaction Information is generated according to service request, and the corresponding block chain node of the first business platform is written into Transaction Information；The The corresponding block chain node of one business platform to the corresponding block chain node broadcasts Transaction Information of at least one second business platform, Transaction Information carries out overdraw service management after the acquisition of corresponding block chain node at least one second business platform.Pass through Block chain node carrys out broadcast message, reduces interaction times between each business platform, guarantees this area of each block chain node Block chain is completely the same.
In a kind of possible design, the first business platform is digitally signed Transaction Information, will pass through data signature The corresponding block chain node of the first business platform is written in Transaction Information afterwards；When the corresponding block chain link of the first business platform is examined item by item When demonstrate,proving Transaction Information after data signature and passing through, the corresponding block chain node of the first business platform is at least one the second industry The corresponding block chain node broadcasts Transaction Information of business platform.Block chain node verifies Transaction Information, ensure that information Safety.
In alternatively possible design, the corresponding block chain node of the first business platform is flat at least one the second business Transaction Information of the corresponding block chain node broadcasts of platform after data signature is prevented by being digitally signed to Transaction Information Only information is tampered.
In alternatively possible design, service request includes that request is opened in overdraw, and overdraw opens request and carries user Credit information；The corresponding block chain node of first business platform is to the corresponding block chain node of at least one second business platform Credit information is broadcasted, credit information obtains rear line from corresponding block chain node at least one second business platform The limit of overdrawn account is distributed, to realize the demand for opening overdraw business, reduces interaction times.
In alternatively possible design, service request includes consumer requests, when the first business platform determines consumer requests Facility extent be less than or equal to the corresponding block chain node of the first business platform recorded available amount when, the first business platform Cash advance transactions are executed according to consumer requests, and generate Transaction Information.
In alternatively possible design, service request includes request of refunding, and the first business platform obtains user equipment institute Belong to the debt volume and amount to pay of user；Value lesser in debt volume and amount to pay is transferred to refund account by the first business platform In, and generate Transaction Information.
In alternatively possible design, the first business platform is payment platform, and payment platform can handle the industry of user The amount information (such as facility extent can use amount) recorded in block chain link point 1 is read in business request, and will when completing transaction Corresponding block chain node 1 is written in Transaction Information, other block chain node broadcasts of block chain node 1 into block catenary system are handed over Easy information.Specifically include following several modes:
In alternatively possible design, request is opened in the overdraw that payment platform receives user equipment transmission first, will be saturating Corresponding block chain node is written in Zhi Kaitong request, and overdraw is opened request and is broadcast to area by the corresponding block chain node of payment platform Other block chain nodes in block catenary system, so that Quota distribution platform can listen to the overdraw on corresponding block chain node It opens request, and then distributes facility extent to user, then the corresponding block chain node of Quota distribution platform is to block catenary system In other block chain node broadcasts facility extent, complete the business opened of overdraw.It is broadcasted, is reduced by the information of block chain node Interaction times between each business platform, guarantee that the local block chain of each block chain node is completely the same.Also, interactive information It can all be verified when block chain link point is written or is broadcast to block chain node, to prevent from distorting information.
In alternatively possible design, payment platform receives the consumer requests of user equipment transmission first, according to consumption Request executes cash advance transactions and generates Transaction Information, and corresponding block chain node, payment platform pair then is written in Transaction Information Transaction Information is broadcast to other block chain nodes in block catenary system by the block chain node answered, so that quota control platform can With the Transaction Information listened on corresponding block chain node, and then the available amount and overdraw contract of user is updated, then led to Cross the corresponding block chain node of quota control platform other updated available volumes of block chain node broadcasts into block catenary system Degree and overdraw contract.It is broadcasted by the information of block chain node, reduces interaction times between each business platform, guarantee each area The local block chain of block chain node is completely the same.Also, interactive information is in write-in block chain link point or is broadcast to block chain node Shi Douhui is verified, to prevent from distorting information.
In alternatively possible design, payment platform receives the refund request of user equipment transmission first, according to refund Request executes overdraw and refunds and generate Transaction Information, and corresponding block chain node, payment platform pair then is written in Transaction Information Transaction Information is broadcast to other block chain nodes in block catenary system by the block chain node answered, so that quota control platform can With the Transaction Information listened on corresponding block chain node, and then the available amount and overdraw contract of user is updated, then led to Cross the corresponding block chain node of quota control platform other updated available volumes of block chain node broadcasts into block catenary system Degree and overdraw contract.It is broadcasted by the information of block chain node, reduces interaction times between each business platform, guarantee each area The local block chain of block chain node is completely the same.Also, interactive information is in write-in block chain link point or is broadcast to block chain node Shi Douhui is verified, to prevent from distorting information.
Second aspect, the embodiment of the present application provide a kind of business management method, and business management method is applied to overdraw system System, overdraw system include the first business platform and at least one second business platform, and each business platform configures a block chain Node, multiple block chain nodes form a block catenary system, comprising: the corresponding block chain node of the second business platform receives the The Transaction Information of the corresponding block chain node broadcasts of one business platform, Transaction Information are set by the first business platform receiving user It is generated after the service request that preparation is sent and the corresponding block chain node of the first business platform is written；Second business platform is from second Transaction Information is obtained in the corresponding block chain node of business platform；Second business platform carries out overdraw business pipe according to Transaction Information Reason.Information exchange is carried out by block chain node, reduces interaction times between each business platform, guarantees each block chain link The local block chain of point is completely the same.
In a kind of possible design, the second business platform determines the amount information of user according to Transaction Information；Second industry The corresponding block chain node of the second business platform is written in amount information by business platform；The corresponding block chain node of second business platform To the corresponding block chain node broadcasts amount information of the first business platform.Amount information is broadcasted by block chain node, is reduced Interaction times between each business platform.
In alternatively possible design, the second business platform is digitally signed amount information, will pass through data label The corresponding block chain node of the second business platform is written in amount information after name；When the corresponding block chain node of the second business platform When verifying amount information after data signature and passing through, the corresponding block chain node of the second business platform is to the first business platform Corresponding block chain node broadcasts amount information.Amount information is verified by block chain node, ensure that the peace of information Quan Xing.
In alternatively possible design, it is corresponding that the corresponding block chain node of the second business platform receives the first business platform Block chain node broadcasts the Transaction Information after digital signature；When the corresponding block chain node verification of the second business platform When Transaction Information after digital signature passes through, Transaction Information is recorded in by the corresponding block chain node of the second business platform On the corresponding block chain node of two business platforms, information is prevented to be tampered.
In alternatively possible design, the second business platform is quota control platform, and quota control platform can be to area Block chain node 2 is monitored, and updates amount information and overdraw contract according to Transaction Information, and by the amount information of update and overdraw Contract is sent to corresponding block chain node 2, other block chain node broadcasts amounts into block catenary system of block chain node 2 are believed Breath and overdraw contract.
In alternatively possible design, the second business platform is Quota distribution platform, and Quota distribution platform can be to area Block chain node 3 is monitored, and request is opened in the overdraw for receiving user, to the distribution limit of overdrawn account, and the limit of overdrawn account is written and is corresponded to Block chain node 3, block chain node 3 broadcasts the limit of overdrawn account to block catenary system, and Quota distribution platform can also modify overdraw Limit, and the modified limit of overdrawn account is broadcasted by corresponding block chain node 3.
The third aspect, the embodiment of the present application provide a kind of first business platform, which is configured as reality Method and function performed by the first business platform, are realized, hardware/software packet by hardware/software in existing above-mentioned first aspect Include unit corresponding with above-mentioned function.
Fourth aspect, the embodiment of the present application provide a kind of second business platform, which is configured as reality Method and function performed by the second business platform, are realized, hardware/software packet by hardware/software in existing above-mentioned second aspect Include unit corresponding with above-mentioned function.
5th aspect, this application provides another first business platforms, comprising: processor, memory and communication bus, Wherein, communication bus executes the program stored in memory for realizing connection communication between processor and memory, processor The step in a kind of business management method provided for realizing above-mentioned first aspect.
In a possible design, the first business platform provided by the present application may include to be set for executing the above method The corresponding module of first business platform behavior in meter.Module can be software and/or be hardware.
6th aspect, this application provides another second business platforms, comprising: processor, memory and communication bus, Wherein, communication bus executes the program stored in memory for realizing connection communication between processor and memory, processor The step in a kind of business management method provided for realizing above-mentioned second aspect.
In a possible design, the second business platform provided by the present application may include to be set for executing the above method The corresponding module of second business platform behavior in meter.Module can be software and/or be hardware.
7th aspect, this application provides a kind of computer readable storage medium, stores in computer readable storage medium There is instruction, when run on a computer, so that the method that computer executes above-mentioned various aspects.
Eighth aspect, this application provides a kind of computer program products comprising instruction, when it runs on computers When, so that the method that computer executes above-mentioned various aspects.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application or in background technique below will be implemented the application Attached drawing needed in example or background technique is illustrated.
Fig. 1 is a kind of structural schematic diagram of business management system provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram of activating method of overdrawing provided by the embodiments of the present application；
Fig. 3 is a kind of flow diagram for consuming overdraw method provided by the embodiments of the present application；
Fig. 4 is a kind of flow diagram of repayment method of overdrawing provided by the embodiments of the present application；
Fig. 5 is a kind of structural schematic diagram of overdraw system based on block chain provided by the embodiments of the present application；
Fig. 6 is a kind of flow diagram of business management method provided by the embodiments of the present application；
Fig. 7 is a kind of flow diagram of business management method provided by the embodiments of the present application
Fig. 8 is the flow diagram of another business management method provided by the embodiments of the present application；
Fig. 9 is the flow diagram of another business management method provided by the embodiments of the present application；
Figure 10 is the structural schematic diagram of another first business platform provided by the embodiments of the present application；
Figure 11 is the structural schematic diagram of another second business platform provided by the embodiments of the present application；
Figure 12 is the structural schematic diagram of another the first business platform provided by the embodiments of the present application；
Figure 13 is the structural schematic diagram of another the second business platform provided by the embodiments of the present application.
Specific embodiment
The embodiment of the present application is described below with reference to the attached drawing in the embodiment of the present application.
Referring to Figure 1, Fig. 1 is a kind of structural schematic diagram of business management system provided by the embodiments of the present application, the business Management system includes user equipment and payment system, wherein user equipment can refer to terminal device, and offer can be referred to user Voice and/or data connection equipment, also may be connected to the calculating of laptop computer or desktop computer etc. Equipment or its can be independently setting for such as personal digital assistant (Personal Digital Assistant, PDA) etc. It is standby.User equipment can also be known as system, subscriber unit, subscriber station, movement station, mobile station, distant station, access point, long-range end End, access terminal, user terminal, user agent or user apparatus.Payment system may include payment platform, quota control platform With Quota distribution platform, wherein payment platform is used for user management, trade management and account management etc. for example, receiving The service request at family verifies user information, completes the transaction (such as consume, refund) of user's request.Quota control platform is used In related services such as facility extent management, interest calculating, overdraw service charge calculating.Quota distribution platform is used for according to user credit The limit of overdrawn account that information is distributed to user.
Based on above-mentioned business management system, the embodiment of the present application provides following several application scenarios, comprising: overdraw is opened Logical, consumption overdraw and overdraw are refunded.As shown in Fig. 2, Fig. 2 is a kind of process of activating method of overdrawing provided by the embodiments of the present application Schematic diagram.It include: S201, user equipment opens request to the overdraw that payment platform sends carrying user information.S202, payment are flat Platform verifies the identity of user according to user information, examines whether user has opened overdraw function.S203, if the user does not open Penetrating Zhi Gongneng, payment platform send overdraw to quota control platform and open request.S204, quota control platform is to Quota distribution Platform sends overdraw and opens request.S205, Quota distribution platform are determined according to the user credit information of the user to the user point The limit of overdrawn account matched.S206, Quota distribution platform send the limit of overdrawn account of the user to quota control platform.S207, amount pipe Platform determines available amount when user's overdraw according to the limit of overdrawn account.S208, quota control platform send saturating to payment platform Branch limit.S209, payment platform send overdraw to user equipment and open as a result, the overdraw opens result for notifying user to overdraw Function is opened successfully and the limit of overdrawn account.
As also shown in fig. 3, Fig. 3 is a kind of flow diagram for consuming overdraw method provided by the embodiments of the present application.Include: S301, user equipment send consumer requests to payment platform.S302, payment platform verify the identity of user according to user information, If user applies for overdraw, examine whether user has opened overdraw function.S303, if user has opened overdraw function, branch It pays platform and sends overdraw request to quota control platform.S304, quota control platform if it is determined that user this application overdraw Amount is less than or equal to the available amount that records on quota control platform, then the notice payment platform application of quota control platform at Function.This payment amount traded is transferred on Merchant Account by S305, payment platform.S306 is shifted successfully in payment amount Afterwards, payment platform sends Transaction Information to quota control platform.S307, payment platform send a notification message to user equipment, should Notification message includes Transaction Information and overdraw information.S308, quota control platform update the available amount and overdraw contract of user, Wherein, overdraw contract includes the message such as amount, service charge and the interest of user's overdraw.S309, quota control platform divide to amount The overdraw information of this transaction is sent, with platform after the overdraw information of Quota distribution platform acquisition user, to update user's The limit of overdrawn account.
As also shown in fig. 4, Fig. 4 is a kind of flow diagram of repayment method of overdrawing provided by the embodiments of the present application.Include: S401, user equipment send request of refunding to payment platform for overdraw debt.S402, payment platform are verified according to user information The identity of user determines whether user is sufficient in the overdraw remaining sum of payment platform.S403, if payment platform overdraw remaining sum is filled Foot sends inquiry request to quota control platform, which is used to inquire the debt volume of user.S404, quota control are flat Platform determines the debt volume of user, and returns to query result to payment platform.S405, payment platform by debt volume and amount to pay compared with Small value is determined as the real trade amount of money of this transaction of refunding, and the real trade amount of money is gone to overdraw from user account In refund account.S406, payment platform send this Transaction Information refunded to quota control platform.S407, payment platform to User equipment sends a notification message, and for prompting user, this refunds successfully the notification message.S408, quota control platform update The available amount and overdraw contract of user, overdraw contract include the message such as amount, service charge and the interest of user's overdraw.S409, Quota control platform sends this refund information traded to amount distribution platform, so that Quota distribution platform obtains going back for user After money information, update user the limit of overdrawn account.
In conclusion above-mentioned overdraw system, which can provide a user foundation overdraw, opens agreement, transaction overdraw and overdraw also The business service of money.But there are following technical problems: first, each business service payment platform, quota control platform and Interaction between Quota distribution platform is more frequent.For example, payment platform needs flat to quota control during trading overdraw Platform sends overdraw request, it needs to be determined that whether the facility extent of this application of user is small after the reception overdraw request of quota control platform In being equal to available amount, if it is can just notify payment platform application success, payment platform must be after determining apply successfully Ability continuous business, and need to notify quota control platform and Quota distribution platform after completion of transactions.Second, multiple business are flat Message is frequently sent between platform, once platform is attacked or code key is stolen, interactive information has wind that is intercepted or distorting Danger, therefore not can guarantee the safety of information.Third is notified that fund after the transaction that transaction overdraw or overdraw are refunded Provider, but the case where transaction data can not be received there may be fund provider, lead to business platform and fund provider Data it is inconsistent.
In order to solve the above-mentioned technical problem, the embodiment of the present application provides a kind of overdraw system based on block chain, the base It include the first business platform and at least one second business platform in the overdraw system of block chain, each business platform configures one Block chain node, multiple block chain nodes form a block catenary system.For example, as shown in figure 5, based on the saturating of block chain Subsystem may include payment platform, quota control platform and Quota distribution platform, wherein payment platform corresponds to block chain node 1, quota control platform corresponds to block chain node 2, and Quota distribution platform corresponds to block chain node 3, block chain node 1, block chain Node 2 and block chain node 3 form a block catenary system.
It should be understood that block catenary system includes multiple block chain nodes mistrustful each other, all block chain nodes are tieed up jointly The record information in block chain is protected, and each block chain node locally saves a complete block chain.Wherein, block chain is A kind of data record list that distribution can not distort, block chain are made of block connection, and each block is by Transaction Information and shape The random number of state result, unique respective value of all data of previous block and a setting is constituted.In block catenary system Any one block chain node can propose a candidate block, and be broadcast in block catenary system.In block catenary system Other block chain nodes verify the candidate block, if the verification passes, then the candidate block are added to local block The end of chain.Guarantee that the local block chain of each block chain node is consistent by the common recognition mechanism.Moreover, being saved by each block Unique respective value of previous block, so that block can not be modified.
As shown in fig. 6, being based on above-mentioned overdraw system, a kind of process of business management method provided by the embodiments of the present application is shown It is intended to.It include: S601, first business platform receives the service request that user equipment is sent；S602, first business are flat Platform generates Transaction Information according to the service request, and the corresponding block of first business platform is written in the Transaction Information Chain node；S603, the corresponding block chain node of first business platform are corresponding at least one described second business platform Transaction Information described in block chain node broadcasts, the Transaction Information are used at least one described second business platform from corresponding institute It states after block chain node obtains and carries out overdraw service management.In the embodiment of the present application, business platform is by writing Transaction Information Enter corresponding block chain node, other block chains then Transaction Information being broadcast to by block chain node in block catenary system Node to reduce the interaction between business platform, and ensure that the information in each block chain node is consistent.
It should be noted that each business platform exists the record information preservation such as Transaction Information, amount change, overdraw contract On the local block chain of corresponding block chain node.Each business platform corresponds to the local block chain of block chain node by reading Record information is obtained, to reduce the interaction times between business platform.Also, each business platform can also be with modification record Information, and send record information on corresponding block chain node, when block chain node verification is after digital signature Record information when passing through, record information is broadcast on other block chain nodes in block catenary system, other block chain links Point is after receiving record information, it is also desirable to the record information after digital signature verified, if being verified, The local block chain of information write-in will be recorded.To guaranteeing that the local block chain of each block chain node is completely the same, and can be with It prevents from distorting record information.
Specifically, payment platform can handle the service request of user, read the amount information recorded in block chain link point 1 (such as facility extent can use amount), and corresponding block chain node 1, block chain link is written into Transaction Information when completing transaction 1 broadcast Transaction Information of point.Quota control platform monitors block chain node 2, according to Transaction Information update amount information and Overdraw contract, and send corresponding block chain node 2 for the amount information of update and overdraw contract, block chain node 2 is to area Block catenary system broadcasts amount information and overdraw contract.Quota distribution platform can monitor block chain node 3, receive user Overdraw open request, be written corresponding block chain node 3 to the distribution limit of overdrawn account, and by the limit of overdrawn account, block chain node 3 to Block catenary system broadcasts the limit of overdrawn account, and Quota distribution platform can also modify the limit of overdrawn account, and wide by corresponding block chain node 3 Broadcast the modified limit of overdrawn account.Illustrate the realization process of this programme below by way of specific embodiment.
As shown in fig. 7, Fig. 7 is a kind of flow diagram of business management method provided by the embodiments of the present application.As schemed Show, the method in the embodiment of the present application includes:
S701, user equipment send overdraw to payment platform and open request, which opens request and carry user information.
S702, payment platform verify the identity of user according to user information, determine whether the user has opened overdraw function Can, if having opened overdraw function, notify user that can directly use overdraw function.If not opening overdraw function, Then request is opened to overdraw to be digitally signed.
S703, payment platform are written the overdraw after digital signature to block chain node 1 and open request.
S704, overdraw of 1 pair of the block chain node after digital signature are opened request and are verified, when verifying is by number Overdraw after signature open request by when, block chain node 1 to block catenary system 2 and block chain node 3 broadcast pass through number Request is opened in overdraw after word signature.
S705, block catenary system 2 and block chain node 3 receive the overdraw after digital signature and open request, to warp Overdraw after crossing digital signature is opened request and is verified, and opens passing through for request when verifying the overdraw after digital signature When, block chain node 2 is opened overdraw on the local block chain of request write-in block chain link point 2, and block chain node 3 also will overdraw On the local block chain for opening request write-in block chain link point 3.If authentication failed, unsuccessfully disappear to the return of block chain node 1 Breath.
S706, Quota distribution platform monitor block chain node 3, open request write area by overdraw when listening to When on the local block chain of block chain node 3, request is opened in the overdraw for carrying user information from the acquisition of block chain node 3.Wherein, The user information includes credit information, and Quota distribution platform can information be overdrawed to user distribution according to the user's credit first Limit, and the limit of overdrawn account is digitally signed, block chain link point 3 then is written into the limit of overdrawn account after digital signature.
S707, the limit of overdrawn account of 3 pairs of the block chain node after digital signature are verified, if verifying is by number label The limit of overdrawn account after name passes through, then block chain node 3 is to block chain node 1 and the broadcast of block chain node 2 after digital signature The limit of overdrawn account.
After S708, block chain node 1 or block chain node 2 receive the limit of overdrawn account after digital signature, respectively The limit of overdrawn account after digital signature is verified, opens passing through for request when verifying the overdraw after digital signature When, for block chain node 1 by the local block chain of limit of overdrawn account write-in block chain link point 1, block chain node 2 writes the limit of overdrawn account Enter on the local block chain of block chain node 2.
S709, payment platform monitor block chain node 1, and block chain link point 1 is written when listening to the limit of overdrawn account When on local block chain, overdraw function is opened for the user.
S710, payment platform send a notification message to user equipment, and the notification message is for having prompted user's overdraw function Through opening success.
In the embodiment of the present application, request is opened in the overdraw that payment platform receives user equipment transmission first, and overdraw is opened Corresponding block chain node is written in logical request, and overdraw is opened request and is broadcast to block chain by the corresponding block chain node of payment platform Other block chain nodes in system, so that can to listen to the overdraw on corresponding block chain node open-minded for Quota distribution platform Request, so to user distribute facility extent, then the corresponding block chain node of Quota distribution platform into block catenary system its His block chain node broadcasts facility extent completes the business that overdraw is opened.It is broadcasted, is reduced each by the information of block chain node Interaction times between a business platform guarantee that the local block chain of each block chain node is completely the same.Also, interactive information is being write Enter block chain node or can all be verified when being broadcast to block chain node, to prevent from distorting information.
As shown in figure 8, Fig. 8 is the flow diagram of another business management method provided by the embodiments of the present application.Such as figure Shown, the method in the embodiment of the present application includes:
S801, user equipment send consumer requests to payment platform, and the consumer requests carry user information and this friendship Easy facility extent.
S802, payment platform verifies the identity of user according to user information, if the verification passes, then from block chain node 1 The middle available amount for reading the user, determines whether the facility extent of the consumer requests is less than or equal to block chain node 1 and is remembered The available amount of record.When the facility extent of consumer requests is greater than the available amount that block chain node 1 is recorded, to user equipment hair Prompt information is sent, the prompt information is for prompting Fail Transaction.When the facility extent of consumer requests is less than equal to block chain When the available amount that node 1 is recorded, processing cash advance transactions are determined.
S803, payment platform continue with cash advance transactions, make loans to businessman, and generate Transaction Information.
S804, payment platform send a notification message to user equipment.It should be noted that subsequent operation belongs to payment system Inside operation, overdraw successfully or devitrification branch lose does not influence on user.
S805, payment platform are digitally signed Transaction Information, and to the write-in of block chain node 1 after digital signature Transaction Information.
S806, Transaction Information of 1 pair of the block chain node after digital signature are verified, such as just whether verifying format Really, when verifying Transaction Information after digital signature and passing through, then block chain link of the block chain node 1 into block catenary system Point 2 and block chain node 3 broadcast Transaction Information.
S807, block chain node 2 or block chain node 3 are tested to receiving the Transaction Information after digital signature respectively Card, when verify the Transaction Information after digital signature and passing through, block chain node 2 is by the block chain of Transaction Information write-in local, area Block chain node 3 is also by the block chain of Transaction Information write-in local.
S808, quota control platform monitor block chain node 2, when the transaction letter listened in block chain node 2 When breath, the available amount and overdraw contract of user are updated according to Transaction Information first, wherein overdraw contract includes what user overdrawed Then the message such as amount, service charge and interest are digitally signed updated available amount and overdraw contract, to block chain Available amount and overdraw contract of the write-in of node 2 after digital signature.
S809, block chain node 2 verify updated available amount and overdraw contract, such as whether verify format Correctly, when verifying updated available amount and overdraw contract passes through, block chain of the block chain node 2 into block catenary system Node 1 and block chain node 3 broadcast updated available amount and overdraw contract.
It is first after S810, block chain node 1 or block chain node 3 receive updated available amount and overdraw contract First to after new available amount and overdraw contract verify, if the verification passes, block chain node 1 is by updated available volume Also this is written in updated available amount and overdraw contract by degree and the local block chain of contract write-in of overdrawing, block chain node 3 The block chain on ground.
In the embodiment of the present application, payment platform receives the consumer requests of user equipment transmission first, according to consumer requests It executes cash advance transactions and generates Transaction Information, corresponding block chain node then is written into Transaction Information, payment platform is corresponding Transaction Information is broadcast to other block chain nodes in block catenary system by block chain node, so that quota control platform can supervise It hears the Transaction Information on corresponding block chain node, and then updates the available amount and overdraw contract of user, then pass through volume The corresponding block chain node of degree management platform into block catenary system other updated available amounts of block chain node broadcasts and Overdraw contract.It is broadcasted by the information of block chain node, reduces interaction times between each business platform, guarantee each block chain The local block chain of node is completely the same.Also, interactive information block chain link point is written or when being broadcast to block chain node all It will do it verifying, to prevent from distorting information.
As shown in figure 9, Fig. 9 is the flow diagram of another business management method provided by the embodiments of the present application.Such as figure Shown, the method in the embodiment of the present application includes:
S901, user equipment send request of refunding to payment platform.The refund request carries user information and this friendship Easy amount to pay.
S902, payment platform verifies the identity of user according to user information, if the verification passes, then from block chain node 1 The middle debt volume for reading the user, debt volume include overdraft and service charge and interest that overdraw generates.
S903, payment platform determine lesser value in the debt volume and the amount to pay, and by the debt volume and institute It states lesser value in amount to pay to be transferred in refund account, completes overdraw and refund and generate Transaction Information.
S904, payment platform send a notification message to user equipment.It should be noted that subsequent operation belongs to payment system Inside operation, overdraw successfully or devitrification branch lose does not influence on user.
S905, payment platform are digitally signed Transaction Information, and to the write-in of block chain node 1 after digital signature Transaction Information.
S906, Transaction Information of 1 pair of the block chain node after digital signature are verified, such as just whether verifying format Really, when verifying Transaction Information after digital signature and passing through, then block chain link of the block chain node 1 into block catenary system Point 2 and block chain node 3 broadcast Transaction Information.
S907, block chain node 2 or block chain node 3 are tested to receiving the Transaction Information after digital signature respectively Card, when verify the Transaction Information after digital signature and passing through, block chain node 2 is by the block chain of Transaction Information write-in local, area Block chain node 3 is also by the block chain of Transaction Information write-in local.
S908, quota control platform monitor block chain node 2, when the transaction letter listened in block chain node 2 When breath, the available amount and overdraw contract of user are updated according to Transaction Information first, wherein overdraw contract includes what user overdrawed Then the message such as amount, service charge and interest are digitally signed updated available amount and overdraw contract, to block chain Available amount and overdraw contract of the write-in of node 2 after digital signature.
S909, block chain node 2 verify updated available amount and overdraw contract, such as whether verify format Correctly, when verifying updated available amount and overdraw contract passes through, block chain of the block chain node 2 into block catenary system Node 1 and block chain node 3 broadcast updated available amount and overdraw contract.
It is first after S910, block chain node 1 or block chain node 3 receive updated available amount and overdraw contract First to after new available amount and overdraw contract verify, if the verification passes, block chain node 1 is by updated available volume Also this is written in updated available amount and overdraw contract by degree and the local block chain of contract write-in of overdrawing, block chain node 3 The block chain on ground.
In the embodiment of the present application, payment platform receives the refund request of user equipment transmission first, requests according to refunding It executes overdraw to refund and generate Transaction Information, corresponding block chain node then is written into Transaction Information, payment platform is corresponding Transaction Information is broadcast to other block chain nodes in block catenary system by block chain node, so that quota control platform can supervise It hears the Transaction Information on corresponding block chain node, and then updates the available amount and overdraw contract of user, then pass through volume The corresponding block chain node of degree management platform into block catenary system other updated available amounts of block chain node broadcasts and Overdraw contract.It is broadcasted by the information of block chain node, reduces interaction times between each business platform, guarantee each block chain The local block chain of node is completely the same.Also, interactive information block chain link point is written or when being broadcast to block chain node all It will do it verifying, to prevent from distorting information.
It is above-mentioned to illustrate the method for the embodiment of the present application, the device of the embodiment of the present application is provided below.
0, Figure 10 is a kind of structural schematic diagram of first business platform provided by the embodiments of the present application referring to Figure 1, this One business platform is applied to overdraw system to state overdraw system to further include at least one second business platform, each business platform configuration One block chain node, multiple block chain nodes form a block catenary system, which may include connecing Receive module 1001, processing module 1002 and sending module 1003, wherein modules are described in detail as follows.
Receiving module 1001, for receiving the service request of user equipment transmission；
For generating Transaction Information according to the service request, and institute is written in the Transaction Information by processing module 1002 State the corresponding block chain node of the first business platform；
Sending module 1003, for by the corresponding block chain node of first business platform to it is described at least one the Transaction Information described in the corresponding block chain node broadcasts of two business platforms, the Transaction Information are used at least one described second industry Business platform carries out overdraw service management after obtaining from the corresponding block chain node.
Optionally, processing module 1002 are also used to be digitally signed the Transaction Information, will be after data signature The Transaction Information the corresponding block chain node of first business platform is written；Sending module 1003 is also used to when described When the Transaction Information of the corresponding block chain node verification of first business platform after data signature passes through, pass through described The corresponding block chain node of one business platform is to described in the corresponding block chain node broadcasts of at least one described second business platform Transaction Information.
Optionally, sending module 1003 are also used to through the corresponding block chain node of first business platform to described The Transaction Information of the corresponding block chain node broadcasts of at least one second business platform after data signature.
Optionally, the service request includes that request is opened in overdraw, and the credit that request carries user is opened in the overdraw Information；
Sending module 1003, be also used to by the corresponding block chain node of first business platform to it is described at least one Credit information described in the corresponding block chain node broadcasts of second business platform, the credit information for it is described at least one second Business platform distributes the limit of overdrawn account to the user after obtaining in the corresponding block chain node.
Optionally, the service request includes consumer requests；Processing module 1002 is also used to determine when the first business platform The facility extent of the consumer requests is less than or equal to the available volume that the corresponding block chain node of first business platform is recorded When spending, cash advance transactions are executed according to the consumer requests, and generate the Transaction Information.
Optionally, the service request includes request of refunding；Processing module 1002 is also used to obtain the user equipment institute Belong to the debt volume and amount to pay of user；Lesser value in the debt volume and the amount to pay is transferred in refund account, and Generate the Transaction Information.
It should be noted that realizing for modules can also be to should refer to phase of the Fig. 6 to embodiment of the method shown in Fig. 9 It should describe, execute method and function performed by the first business platform in above-described embodiment.
1, Figure 11 is a kind of structural schematic diagram of second business platform provided by the embodiments of the present application referring to Figure 1, this Two business platforms are applied to overdraw system, and the overdraw system further includes the first business platform, and each business platform configures one Block chain node, multiple block chain nodes form a block catenary system, the second business platform include receiving module 1101, Obtain module 1102, processing module 1103 and sending module 1104, in which:
Receiving module 1101, for receiving first business by the corresponding block chain node of second business platform The Transaction Information of the corresponding block chain node broadcasts of platform, the Transaction Information are receiving user by first business platform It is generated after the service request that equipment is sent and the corresponding block chain node of first business platform is written；
Module 1102 is obtained, for obtaining the transaction letter from the corresponding block chain node of second business platform Breath；
Processing module 1103, for carrying out overdraw service management according to the Transaction Information.
Optionally, processing module 1103 are also used to determine the amount information of user according to the Transaction Information；It will be described The corresponding block chain node of second business platform is written in amount information；
Sending module 1104, for flat to first business by the corresponding block chain node of second business platform Amount information described in the corresponding block chain node broadcasts of platform.
Optionally, processing module 1103 are also used to be digitally signed the amount information, will be after data signature The amount information the corresponding block chain node of second business platform is written；Sending module 1104 is also used to when described When the amount information of the corresponding block chain node verification of second business platform after data signature passes through, pass through described The corresponding block chain node of two business platforms is to amount information described in the corresponding block chain node broadcasts of first business platform.
Optionally, receiving module 1101 are also used to receive institute by the corresponding block chain node of second business platform State the Transaction Information after digital signature of the corresponding block chain node broadcasts of the first business platform；When second industry When the Transaction Information of the corresponding block chain node verification of business platform after digital signature passes through, the Transaction Information is remembered Record is on the corresponding block chain node of second business platform.
It should be noted that realizing for modules can also be to should refer to phase of the Fig. 6 to embodiment of the method shown in Fig. 9 It should describe, execute method and function performed by the second business platform in above-described embodiment.
It is the structural schematic diagram for the first business platform of another kind that the application proposes please continue to refer to Figure 12, Figure 12.Such as figure Shown, which may include: at least one processor 1201, at least one communication interface 1202, at least one Memory 1203 and at least one communication bus 1204, first business platform are also configured with a block chain node.
Wherein, processor 1201 can be central processor unit, general processor, digital signal processor, dedicated collection At circuit, field programmable gate array or other programmable logic device, transistor logic, hardware component or its Meaning combination.Its may be implemented or execute combine present disclosure described in various illustrative logic blocks, module and Circuit.The processor is also possible to realize the combination of computing function, such as combines comprising one or more microprocessors, number Signal processor and the combination of microprocessor etc..Communication bus 1204 can be Peripheral Component Interconnect standard PCI bus or expansion Open up industrial standard architectures eisa bus etc..The bus can be divided into address bus, data/address bus, control bus etc..For convenient for It indicates, is only indicated with a thick line in Figure 12, it is not intended that an only bus or a type of bus.Communication bus 1204 for realizing the connection communication between these components.Wherein, the communication interface 1202 of equipment is used in the embodiment of the present application The communication of signaling or data is carried out with other node devices.Memory 1203 may include volatile memory, such as non-volatile Property dynamic random access memory (Nonvolatile Random Access Memory, NVRAM), phase change random access memory (Phase ChangeRAM, PRAM), magnetic-resistance random access memory (Magetoresistive RAM, MRAM) etc., can be with Including nonvolatile memory, for example, at least a disk memory, Electrical Erasable programmable read only memory (ElectricallyErasable Programmable Read-Only Memory, EEPROM), flush memory device, for example, it is anti-or Flash memory (NOR flashmemory) or anti-and flash memory (NAND flash memory), semiconductor devices, such as solid state hard disk (Solid State Disk, SSD) etc..Memory 1203 optionally can also be that at least one is located remotely from aforementioned processor 1201 storage device.Batch processing code is stored in memory 1203, and above-mentioned in the execution memory 1203 of processor 1201 Program performed by first business platform.
Receive the service request that user equipment is sent；
Transaction Information is generated according to the service request, and first business platform is written into the Transaction Information and is corresponded to Block chain node；
It is corresponding at least one described second business platform by the corresponding block chain node of first business platform Transaction Information described in block chain node broadcasts, the Transaction Information are used at least one described second business platform from corresponding institute It states after block chain node obtains and carries out overdraw service management.
Optionally, processor 1201 is also used to perform the following operations:
The Transaction Information is digitally signed, by the Transaction Information write-in described first after data signature The corresponding block chain node of business platform；
When the Transaction Information of the corresponding block chain node verification of first business platform after data signature is logical It is out-of-date, by the corresponding block chain node of first business platform at least one described corresponding block of the second business platform Transaction Information described in chain node broadcasts.
Optionally, processor 1201 is also used to perform the following operations:
It is corresponding at least one described second business platform by the corresponding block chain node of first business platform The Transaction Information of the block chain node broadcasts after data signature.
Optionally, processor 1201 is also used to perform the following operations:
It is corresponding at least one described second business platform by the corresponding block chain node of first business platform Credit information described in block chain node broadcasts, the credit information are used at least one described second business platform from corresponding institute It states and distributes the limit of overdrawn account to the user after obtaining in block chain node.
Optionally, processor 1201 is also used to perform the following operations:
When the first business platform determines that the facility extent of the consumer requests is corresponding less than or equal to first business platform Block chain node recorded available amount when, execute cash advance transactions according to the consumer requests, and generate the transaction and believe Breath.
Optionally, processor 1201 is also used to perform the following operations:
Obtain the debt volume and amount to pay of the user equipment owning user；By in the debt volume and the amount to pay compared with Small value is transferred in refund account, and generates the Transaction Information.
Further, processor can also be matched with memory and communication interface, be executed in above-mentioned application embodiment State the operation of the first business platform.
It is the structural schematic diagram for the second business platform of another kind that the application proposes please continue to refer to Figure 13, Figure 13.Such as Shown in figure, which may include: at least one processor 1301, at least one communication interface 1302, at least one A memory 1303 and at least one communication bus 1304, second business platform are also configured with a block chain node.
Wherein, processor 1301 can be the various types of processors being mentioned above.Communication bus 1304 can be outer If component connection standard PCI bus or expanding the industrial standard structure eisa bus etc..The bus can be divided into address bus, number According to bus, control bus etc..Only to be indicated with a thick line convenient for indicating, in Figure 13, it is not intended that an only bus or A type of bus.Communication bus 1304 is for realizing the connection communication between these components.Wherein, in the embodiment of the present application The communication interface 1302 of equipment is used to carry out the communication of signaling or data with other node devices.Memory 1303 can be above The various types of memories referred to.Memory 1303 optionally can also be that at least one is located remotely from aforementioned processor 1301 Storage device.Batch processing code is stored in memory 1303, and processor 1301 executes above-mentioned user in memory 1303 Program performed by equipment.
The corresponding block chain of first business platform is received by the corresponding block chain node of second business platform The Transaction Information of node broadcasts, the Transaction Information are asked by first business platform in the business for receiving user equipment transmission It is generated after asking and the corresponding block chain node of first business platform is written；
The Transaction Information is obtained from the corresponding block chain node of second business platform；
Overdraw service management is carried out according to the Transaction Information.
Optionally, processor 1301 is also used to perform the following operations:
According to the Transaction Information, the amount information of user is determined；Second business is written in the amount information to put down The corresponding block chain node of platform；
By the corresponding block chain node of second business platform to the corresponding block chain link of first business platform Point broadcasts the amount information.
Optionally, processor 1201 is also used to perform the following operations:
The amount information is digitally signed, by the amount information write-in described second after data signature The corresponding block chain node of business platform；
When the amount information of the corresponding block chain node verification of second business platform after data signature is logical It is out-of-date, it is wide to the corresponding block chain node of first business platform by the corresponding block chain node of second business platform Broadcast the amount information.
Optionally, processor 1201 is also used to perform the following operations:
The corresponding block chain of first business platform is received by the corresponding block chain node of second business platform The Transaction Information after digital signature of node broadcasts；When the corresponding block chain node verification of second business platform When the Transaction Information after digital signature passes through, it is corresponding that the Transaction Information is recorded in second business platform On block chain node.
Further, processor can also be matched with memory and communication interface, be executed in above-mentioned application embodiment State the operation of the second business platform.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, the process Relevant hardware can be instructed to complete by computer program, which can be stored in computer-readable storage medium, should Program is when being executed, it may include such as the process of above-mentioned each method embodiment.And storage medium above-mentioned includes: ROM or deposits at random Store up the medium of the various program storage codes such as memory body RAM, magnetic or disk.

Claims (23)

1. a kind of business management method, which is characterized in that the business management method is applied to overdraw system, the overdraw system Including the first business platform and at least one second business platform, each business platform configures a block chain node, Duo Gesuo It states block chain node and forms a block catenary system, which comprises
First business platform receives the service request that user equipment is sent；
First business platform generates Transaction Information according to the service request, and the Transaction Information is written described first The corresponding block chain node of business platform；
The corresponding block chain node of first business platform is to the corresponding block chain link of at least one described second business platform Point broadcasts the Transaction Information, and the Transaction Information is used at least one described second business platform from the corresponding block chain Node carries out overdraw service management after obtaining.
2. the method as described in claim 1, which is characterized in that described that first business platform is written in the Transaction Information Corresponding block chain node includes:
First business platform is digitally signed the Transaction Information, by the Transaction Information after data signature The corresponding block chain node of first business platform is written；
The corresponding block chain node of first business platform is to the corresponding block chain link of at least one described second business platform Point broadcasts the Transaction Information
When the Transaction Information of the corresponding block chain node verification of first business platform after data signature passes through, The corresponding block chain node of first business platform is wide to the corresponding block chain node of at least one described second business platform Broadcast the Transaction Information.
3. method according to claim 2, which is characterized in that the corresponding block chain node of first business platform is to described Transaction Information described in the corresponding block chain node broadcasts of at least one second business platform includes:
The corresponding block chain node of first business platform is to the corresponding block chain link of at least one described second business platform The Transaction Information of the point broadcast after data signature.
4. the method according to claim 1, which is characterized in that the service request includes that request is opened in overdraw, The credit information that request carries user is opened in the overdraw；The method also includes:
The corresponding block chain node of first business platform is to the corresponding block chain link of at least one described second business platform Point broadcasts the credit information, and the credit information is used at least one described second business platform from the corresponding block chain The limit of overdrawn account is distributed to the user after obtaining in node.
5. the method according to claim 1, which is characterized in that the service request includes consumer requests, described First business platform generates Transaction Information according to the service request
When the first business platform determines that the facility extent of the consumer requests is less than or equal to the corresponding area of first business platform When the available amount that block chain node is recorded, first business platform executes cash advance transactions according to the consumer requests, and raw At the Transaction Information.
6. the method according to claim 1, which is characterized in that the service request includes request of refunding, described First business platform generates Transaction Information according to the service request
First business platform obtains the debt volume and amount to pay of the user equipment owning user；
Lesser value in the debt volume and the amount to pay is transferred in refund account by first business platform, and is generated The Transaction Information.
7. a kind of business management method, which is characterized in that the business management method is applied to overdraw system, the overdraw system Including the first business platform and at least one second business platform, each business platform configures a block chain node, Duo Gesuo It states block chain node and forms a block catenary system, which comprises
The corresponding block chain node broadcasts of the corresponding block chain node reception of second business platform first business platform Transaction Information, the Transaction Information is raw after the service request for receiving user equipment transmission by first business platform At and the corresponding block chain node of first business platform is written；
Second business platform obtains the Transaction Information from the corresponding block chain node of second business platform；
Second business platform carries out overdraw service management according to the Transaction Information.
8. the method for claim 7, which is characterized in that second business platform carries out saturating according to the Transaction Information Branch service management includes:
Second business platform determines the amount information of user according to the Transaction Information；
The corresponding block chain node of second business platform is written in the amount information by second business platform；
The corresponding block chain node of second business platform is to the corresponding block chain node broadcasts institute of first business platform State amount information.
9. method according to claim 8, which is characterized in that second business platform will be described in amount information write-in The corresponding block chain node of second business platform includes:
Second business platform is digitally signed the amount information, by the amount information after data signature The corresponding block chain node of second business platform is written；
The corresponding block chain node of second business platform is to the corresponding block chain node broadcasts institute of first business platform Stating amount information includes:
When the amount information of the corresponding block chain node verification of second business platform after data signature passes through, The corresponding block chain node of second business platform is to volume described in the corresponding block chain node broadcasts of first business platform Spend information.
10. such as the described in any item methods of claim 7-9, which is characterized in that the corresponding block chain of second business platform The Transaction Information that node receives the corresponding block chain node broadcasts of first business platform includes:
The corresponding block chain node broadcasts of the corresponding block chain node reception of second business platform first business platform The Transaction Information after digital signature；
When the Transaction Information of the corresponding block chain node verification of second business platform after digital signature passes through, The Transaction Information is recorded in the corresponding area of second business platform by the corresponding block chain node of second business platform On block chain node.
11. a kind of first business platform, which is characterized in that first business platform is applied to overdraw system, the overdraw system System further includes at least one second business platform, and each business platform configures a block chain node, multiple block chain links Point one block catenary system of composition, first business platform include:
Receiving module, for receiving the service request of user equipment transmission；
For generating Transaction Information according to the service request, and first industry is written in the Transaction Information by processing module The corresponding block chain node of business platform；
Sending module, for flat at least one described second business by the corresponding block chain node of first business platform Transaction Information described in the corresponding block chain node broadcasts of platform, the Transaction Information be used at least one described second business platform from The corresponding block chain node carries out overdraw service management after obtaining.
12. the first business platform as claimed in claim 11, which is characterized in that
The processing module is also used to be digitally signed the Transaction Information, by the transaction after data signature The corresponding block chain node of first business platform is written in information；
The sending module is also used to when the corresponding block chain node verification of first business platform is after data signature When the Transaction Information passes through, by the corresponding block chain node of first business platform at least one described second business Transaction Information described in the corresponding block chain node broadcasts of platform.
13. the first business platform as claimed in claim 12, which is characterized in that
The sending module, be also used to by the corresponding block chain node of first business platform to it is described at least one second The Transaction Information of the corresponding block chain node broadcasts of business platform after data signature.
14. such as described in any item first business platforms of claim 11-13, which is characterized in that the service request includes saturating The credit information that request carries user is opened in Zhi Kaitong request, the overdraw；
The sending module, be also used to by the corresponding block chain node of first business platform to it is described at least one second Credit information described in the corresponding block chain node broadcasts of business platform, the credit information are used at least one described second business Platform distributes the limit of overdrawn account to the user after obtaining in the corresponding block chain node.
15. such as described in any item first business platforms of claim 11-13, which is characterized in that the service request includes disappearing Take request；
The processing module is also used to determine that the facility extent of the consumer requests is less than or equal to described the when the first business platform When the available amount that the corresponding block chain node of one business platform is recorded, cash advance transactions are executed according to the consumer requests, and Generate the Transaction Information.
16. such as described in any item first business platforms of claim 11-13, which is characterized in that the service request includes also Money request；
The processing module is also used to obtain the debt volume and amount to pay of the user equipment owning user；By the debt volume It is transferred in refund account with value lesser in the amount to pay, and generates the Transaction Information.
17. a kind of second business platform, which is characterized in that second business platform is applied to overdraw system, the overdraw system System further includes the first business platform, and each business platform configures a block chain node, multiple block chain node compositions one A block catenary system, second business platform include:
Receiving module, it is corresponding for receiving first business platform by the corresponding block chain node of second business platform Block chain node broadcasts Transaction Information, the Transaction Information by first business platform receiving user equipment send Service request after generate and the corresponding block chain node of first business platform is written；
Module is obtained, for obtaining the Transaction Information from the corresponding block chain node of second business platform；
Processing module, for carrying out overdraw service management according to the Transaction Information.
18. the second business platform as claimed in claim 17, which is characterized in that
The processing module is also used to determine the amount information of user according to the Transaction Information；The amount information is written The corresponding block chain node of second business platform；
Second business platform further include:
Sending module, for corresponding to first business platform by the corresponding block chain node of second business platform Amount information described in block chain node broadcasts.
19. the second business platform as claimed in claim 18, which is characterized in that
The processing module is also used to be digitally signed the amount information, by the amount after data signature The corresponding block chain node of second business platform is written in information；
The sending module is also used to when the corresponding block chain node verification of second business platform is after data signature It is corresponding to first business platform by the corresponding block chain node of second business platform when amount information passes through Block chain node broadcasts described in amount information.
20. such as described in any item second business platforms of claim 17-19, which is characterized in that
The receiving module is also used to receive first business by the corresponding block chain node of second business platform flat The Transaction Information after digital signature of the corresponding block chain node broadcasts of platform；When second business platform is corresponding When the Transaction Information of the block chain node verification after digital signature passes through, the Transaction Information is recorded in described second On the corresponding block chain node of business platform.
21. a kind of first business platform, which is characterized in that first business platform includes memory, communication bus and place Manage device, wherein the memory is executed for calling said program code as weighed for storing program code, the processor Benefit requires method described in 1-6 any one.
22. a kind of second business platform, which is characterized in that second business platform includes memory, communication bus and place Manage device, wherein the memory is executed for calling said program code as weighed for storing program code, the processor Benefit requires method described in 7-10 any one.
23. a kind of computer readable storage medium, which is characterized in that including instruction, when described instruction is run on computers, So that the computer executes the method as described in any one of claims 1 to 10.
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CN111429326B (en) * 2020-03-16 2023-10-13 中国建设银行股份有限公司 Method and device for mutual assistance by using blockchain network
CN111709750B (en) * 2020-06-16 2021-08-31 山东财兜信息科技有限公司 Bill management system and method based on block chain
CN111986022A (en) * 2020-08-20 2020-11-24 中国银行股份有限公司 Transaction quota processing method and system based on block chain and each node
CN111986022B (en) * 2020-08-20 2023-08-18 中国银行股份有限公司 Transaction quota processing method and system based on blockchain and nodes
CN112153624A (en) * 2020-10-14 2020-12-29 中国联合网络通信集团有限公司 Roaming method and device
CN112153624B (en) * 2020-10-14 2023-03-28 中国联合网络通信集团有限公司 Roaming method and device

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