CN110390597A - A kind of method of commerce and system based on block chain - Google Patents
A kind of method of commerce and system based on block chain Download PDFInfo
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- CN110390597A CN110390597A CN201910701574.4A CN201910701574A CN110390597A CN 110390597 A CN110390597 A CN 110390597A CN 201910701574 A CN201910701574 A CN 201910701574A CN 110390597 A CN110390597 A CN 110390597A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention provides a kind of method of commerce based on block chain, comprising: when being traded, " gathering statement " is written in block chain in beneficiary；Corresponding " promise to pay " is written in paying party；Credit appraisal is carried out according to transaction amount and paying party credit；" transaction is set up " item or write-in " transaction is rejected " item are written according to credit appraisal result in block chain for beneficiary；If transaction is set up, the fund in paying party account is transferred to beneficiary account by agreement, and write-in " transaction is completed " item in block chain.The present invention also provides corresponding systems.Method of commerce of the present invention and system make transaction establishment will be unable to go back on one's word, and the terms of payment are not able to satisfy to evade requestee by credit evaluation and insurance mechanism always, and it solves the existing insufficient funds of paying party or does not concentrate the case where leading to not transaction, and both parties preferably service because perplexing caused by means of payment for both parties.
Description
Technical field
The present invention relates to block chain technical fields, and in particular to a kind of method of commerce and a kind of base based on block chain
In the transaction system of block chain.
Background technique
Both parties often encounter when trading and wish to conclude the transaction immediately for paying party at present, but limit
It can not but be completed immediately the case where paying the bill in a variety of causes, such as: paying party is temporarily without enough cashes (deposit) or credit
(card) amount, although having cash soon to account；Although alternatively, have enough cashes (deposit) or credit (card) amount,
It is not in the same bank account, fund disperses throughout, to be not easy to be brought together；And some accounts may not have
Situations such as opening Web bank, and beneficiary requirement at this time must complete the case where paying the bill, and transaction is caused to be unable to complete；It tackles
Certain predicament is formd for money side, and causes to perplex to bank settlement both sides.
Summary of the invention
It is existing in the prior art when being traded in order at least partly solve, the existing insufficient funds of paying party or fund
The problems such as not concentrating leads to not the technical issues of completing payment immediately and completes the present invention.
Solving technical solution used by present invention problem is:
The present invention provides a kind of method of commerce based on block chain, comprising:
When being traded, " gathering statement " is written on block chain by beneficiary；It is written on block chain by paying party
Corresponding " promise to pay "；
Credit appraisal is carried out according to transaction amount and paying party credit situation；By beneficiary according to credit appraisal result in area
Corresponding " transaction is set up " item is written in block chain to indicate that transaction is set up, or corresponding " transaction is rejected " item is written with table
Show that transaction is rejected；
If transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
If transaction is set up, the fund in paying party bank account is transferred to beneficiary account according to agreement, and in area
Write-in " transaction is completed " item in block chain.
Further, described to include: according to transaction amount and the progress credit appraisal of paying party credit situation
Bank's account to all banks that block chain has been added, using the ID card No. of the paying party as account identification
The treasury trade situation of paying party bank account is inquired at family；
According to preset condition, calculates and add up total income in the paying party bank account preset time, judge whether it is greater than
Payment Amount in " promise to pay "；
It is not completed according to calculated result and comprehensive paying party history and pays off situation and show that paying party provided in transaction " pays
The credit appraisal result of money promise ".
Further, the fund in the bank account by paying party is also wrapped before being transferred to beneficiary account according to agreement
It includes:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, it is all that payment is attempted immediately
The fund of promise to pay, and payment sequence is executed according to the sequencing of preset each bank account repayment and is paid
Money；Alternatively, paying amount by each bank's pro rata distribution in the history fund receipt and payment situation of each bank according to paying party；
Fund in the bank account by paying party is transferred to beneficiary account according to agreement specifically:
After setting clearing strategy, the fund in paying party bank account is transferred to beneficiary account according to clearing strategy
Family.
Further, after setting clearing strategy, the fund in paying party bank account is transferred to according to clearing strategy
Beneficiary account specifically includes:
Clearing notice is sent to paying party bank, the clearing notice includes the transaction number and clearing plan of " promise to pay "
Slightly；
According to the requirement of clearing strategy, the trigger for repaying payment is set up in paying party bank, when paying party bank account
When inside having the fund that can be used for repaying payment, searching first in block chain has identical friendship with " promise to pay " of this transaction
Block chain is written after each payment by bank in " payment " easily numbered, " payment ", comprising: transaction number,
Current time and Payment Amount；The amount of money that this need to pay the bill further according to the payment amount calculation in " payment "；Then according to
Calculated result is paid the bill immediately, and after completing payment, is written in block chain new " payment "；
All " payments " with same transaction number are summarized, if summarized results has reached, " payment is held
After Payment Amount in promise ", indicate that the credits and debition between a pair of " promise to pay " and " gathering statement " complete
Clearance, then write-in " transaction is completed " item in block chain, " transaction is completed " item include: that transaction number and transaction are completed
Time.
Further, it is described " transaction is rejected " item is written in block chain according to credit appraisal result by beneficiary after
Further include:
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, is written and " holds in block chain
Promise insurance " item, " promising to undertake insurance " item includes: transaction number, and current time, the time is cashed in insured amount and insurance；
In block chain after write-in " promising to undertake insurance " item, sent a notification message from insurance company to beneficiary；
After the notification message that beneficiary receives insurance company's transmission, continuous business is confirmed whether by beneficiary, and write
Enter in " transaction is set up " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, and current time is handed over
Easily set up reason: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, and current time is traded and refused
Exhausted reason: insurance is promised to undertake and is rejected；
It is public by insurance if occurring " transaction is rejected " item that reason is " insurance is promised to undertake and is rejected " on block chain
Department's write-in " promising to undertake that insuring agreement is closed " item in block chain, " promising to undertake that the insuring agreement is closed " item includes: that transaction is compiled
Number and current time.
Further, requestee confirms continuous business, and transaction is written and sets up reason to insure and promising to undertake received " transaction
After establishment " item, further includes:
To any one transaction number, if there is " promise to undertake and insure " item, then " the insurance in " promising to undertake insurance " item
Cash the time " time point, check whether that there are corresponding " transaction complete " items；
If there is no " transaction is completed " item, then the residual amount of incomplete transaction is transferred from the account of insurance company
To beneficiary account, and write-in " transaction is completed " item in block chain；
If there is " transaction is completed " item, or complete to transfer incomplete transaction from the account of insurance company
To beneficiary account " insurance responsibility has been eliminated " item is then written, described " insurance responsibility has disappeared in residual amount in block chain
Except " item includes: transaction number, current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken insurance duty
Appoint；
" insurance responsibility has been eliminated " item that reason is " insurance company has undertaken insurance responsibility " is chased after as to paying party
The foundation repaid.
According to another aspect of the present invention, the present invention also provides a kind of transaction systems based on block chain, comprising: block chain
System；The block catenary system includes: beneficiary node, paying party node and payment and settlement node；
The beneficiary node is used for when being traded, in the write-in of block catenary system " gathering statement "；The paying party
Node is used for when being traded, and corresponding " promise to pay " is written in block catenary system；
The payment and settlement node is used to carry out credit appraisal according to transaction amount and paying party credit situation；The gathering
Fang Jiedian is also used to be written " transaction is set up " item in block catenary system according to credit appraisal result to indicate that transaction is set up, or
Corresponding " transaction is rejected " item is written to indicate that transaction is rejected；
If transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
If transaction is set up, the payment and settlement node is also used to the fund in paying party bank account through bank
It is transferred to beneficiary account according to agreement, and write-in " transaction is completed " item in block catenary system.
Further, the payment and settlement node is used to carry out credit appraisal according to transaction amount and paying party credit situation
Include:
Payment and settlement node is to all banks that block catenary system is added, using the ID card No. of the paying party as account
The bank account of mark inquires the treasury trade situation of paying party bank account；；
According to preset condition, calculates and add up total income in the paying party bank account preset time, judge whether it is greater than
Payment Amount in " promise to pay "；
It is not completed according to calculated result and comprehensive paying party history and pays off situation and show that paying party provided in transaction " pays
The credit appraisal result of money promise ".
Further, the fund in paying party bank account is transferred to by the payment and settlement node by bank according to agreement
It is also used to before beneficiary account:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, it is all that payment is attempted immediately
The fund of promise to pay, and payment sequence is executed according to the sequencing of preset each bank account repayment and is paid
Money；Alternatively, paying amount by each bank's pro rata distribution in the history fund receipt and payment situation of each bank according to paying party；
Fund in paying party bank account is transferred to beneficiary account according to agreement by bank by the payment and settlement node
Family specifically:
After clearing strategy setting is good, the fund in paying party bank account is transferred to by receipts by bank according to clearing strategy
Money side's bank account.
Further, the transaction system further includes bank node；The payment and settlement node is used to set in clearing strategy
After setting, the fund in paying party bank account is transferred to by beneficiary bank account by bank according to clearing strategy and is specifically wrapped
It includes:
Payment and settlement node sends clearing notice to bank node, and the clearing notice includes that the transaction of " promise to pay " is compiled
Number and clearing strategy；
And the trigger for repaying payment is set up in paying party bank according to the requirement of clearing strategy by bank node, with
And when having the fund that can be used for repaying payment in paying party bank account, through bank node first in block catenary system
" payment " that there is same transaction number with " promise to pay " of this transaction is searched, " payment " is existed by bank
Block catenary system is written after payment every time, comprising: transaction number, current time and Payment Amount；Again by bank node according to
This amount of money that need to pay the bill of payment amount calculation in " payment "；Then it is carried out immediately according to calculated result by bank node
Payment, and after completing payment, new " payment " is written in bank node in block catenary system；
The payment and settlement node is also used to summarize all " payments " with same transaction number, if
After summarized results has reached the Payment Amount in " promise to pay ", indicate between a pair of " promise to pay " and " gathering statement "
Credits and debition complete clearance, then write-in " transaction is completed " item in block catenary system, " transaction is completed " thing
Item includes: transaction number and transaction deadline.
Further, the transaction system further includes insurance company's node；Insurance company's node is used in the receipts
After " transaction is rejected " item is written in block catenary system according to credit appraisal result in money side's node,
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, be written in block catenary system
" promising to undertake insurance " item, " promising to undertake insurance " item includes: transaction number, current time, when insured amount and insurance are cashed
Between；And
In block catenary system after write-in " promising to undertake insurance " item, send a notification message to beneficiary；
The beneficiary node is also used to after receiving the notification message of insurance company, is confirmed whether continuous business, and
In write-in " transaction set up " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, current time,
Reason is set up in transaction: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, current time, quilt of trading
Reason For Denial: insurance is promised to undertake and is rejected；
Insurance company's node is also used to when occurring reason on block catenary system be " handing over for " insurance being promised to undertake and is rejected "
Easily be rejected " item when, write-in " promise to undertake insuring agreement close " item in block catenary system is described " to promise to undertake that insuring agreement closes
Close " item includes: transaction number and current time.
Further, continuous business is confirmed in paying party node beneficiary node, and transaction is written and sets up reason as insurance
After promising to undertake received " transaction is set up " item, the payment and settlement node is also used to:
To any one transaction number, if there is " promise to undertake and insure " item, then " the insurance in " promising to undertake insurance " item
Cash the time " time point, check whether that there are corresponding " transaction complete " items；
If there is no " transaction is completed " item, then the residual amount of incomplete transaction is transferred from the account of insurance company
To beneficiary account, and write-in " transaction is completed " item in block catenary system；
If there is " transaction is completed " item, or complete to transfer incomplete transaction from the account of insurance company
To beneficiary account " insurance responsibility has been eliminated " item is then written, described " insurance responsibility is in residual amount in block catenary system
Elimination " item includes: transaction number, and current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken insurance
Responsibility；
Insurance company's node be also used to by reason be " insurance company has undertaken insurance responsibility " " insurance responsibility has disappeared
Except " item is as the foundation to paying party recovery.
The utility model has the advantages that
Method of commerce and system of the present invention based on block chain is utilized in process of exchange by setting up block chain
Block chain has the characteristics that non repudiation, sets up the bank settlement transaction of requestee and payee on block chain once, will
It can not go back on one's word, and by prior credit evaluation and set up insurance mechanism and be not able to satisfy payment item always to evade payer account
The case where part, avoids the feelings for leading to not complete transaction because of the problems such as existing insufficient funds of paying party or fund are not concentrated
Condition, and both parties are relieved because puzzlement caused by means of payment, preferably services for both parties.
Detailed description of the invention
Fig. 1 is a kind of flow chart for method of commerce based on block chain that the embodiment of the present invention one provides；
Fig. 2 is a kind of flow chart of the method for commerce based on block chain provided by Embodiment 2 of the present invention；
Fig. 3 is a kind of architecture diagram for transaction system based on block chain that the embodiment of the present invention three provides；
Fig. 4 is the architecture diagram for another transaction system based on block chain that the embodiment of the present invention three provides.
Specific embodiment
Technical solution in order to enable those skilled in the art to better understand the present invention, with reference to the accompanying drawings and examples to this
Invention is described in further detail.
Embodiment one
As shown in Figure 1, the present invention provides a kind of method of commerce based on block chain, comprising:
Step S1: when being traded, " gathering statement " is written on block chain by beneficiary；By paying party in block chain
Upper write-in corresponding " promise to pay "；
Step S2: credit appraisal is carried out according to transaction amount and paying party credit situation；By beneficiary according to credit appraisal
As a result corresponding " transaction is set up " item is written in block chain to indicate that transaction is set up, or corresponding " transaction is rejected " is written
Item is to indicate that transaction is rejected；
Step S3: if transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
Step S4: if transaction is set up, being transferred to beneficiary account according to agreement for the fund in paying party bank account,
And write-in " transaction is completed " item in block chain.
The embodiment of the present invention creates privately owned chain by banker's payment settlement entity (such as China Unionpay) and bank jointly,
And bank settlement both sides can only see and respective related Transaction Information.When needing to carry out bank settlement transaction, payee is in block
Submission one " gathering statement " item on chain, requestee submit " promising to undertake a payment " item, the two formation pair on block chain
It should be related to.Again by setting up payment and settlement node, payment and settlement node is according to the amount of money and paying party credit situation of transaction to this
Secondary " promising to undertake payment " item carries out credit appraisal, determines that this existing requestee that trades pays because bank capital deficiency is unable to complete
" transaction is set up " or " transaction is rejected " item are written according to credit appraisal result in block chain by the risk of money, payee, really
It is fixed whether to trade, the risk of fund can not be received after not only having helped payee to reduce transaction, but also solve requestee temporary
When lack of capital or pay the bill inconvenience can not prompt payment lead to transaction the problem of cannot completing.
The payment inconvenience can not prompt payment include but do not limit following situations, such as:
Some accounts may not open Web bank；
Although some have opened Web bank, without carrying U-shield, it is unable to complete and transfers accounts on the net, or be limited to transfer accounts
Amount limitation is not able to satisfy current demand of transferring accounts；
Transaction system does not support the gradation to single transaction to pay the bill；
Although transaction system supports the gradation to single transaction to pay the bill, there is no open-minded for some accounts of requestee
E-Bank payment or quick payment.
Further, described " gathering statement " includes:
Paying party name, paying party ID card No., Payment Amount, beneficiary name, beneficiary account, current time,
Transaction number；
" promise to pay " includes:
Paying party name, paying party ID card No., beneficiary name, beneficiary account, Payment Amount, current time,
Transaction number；
Transaction number in " promise to pay " is identical as the transaction number in " gathering is stated ".
Transaction number in " gathering statement " is automatically generated by block catenary system, globally unique, and subsequent in relation to this
The transaction number of transaction is all unified to use the transaction number." promise to pay " is written on block chain in requestee, transaction therein
Number, can be manually filling, and can also choose from " gathering statement " with identical requestee's ID card No..
Further, described " transaction set up " item includes:
Reason is set up in transaction number, current time, transaction: credit appraisal passes through；
" transaction is rejected " item includes: transaction number, and current time trades and sets up or be rejected reason: credit
Evaluation does not pass through；
Transaction number in " transaction is set up " or " transaction is rejected " item is all compiled with the transaction in " promise to pay "
It is number identical.
After payee receives credit rating, according to credit appraisal as a result, being confirmed whether continuous business, if credit rating is logical
It crosses, then write-in " transaction is set up " item, credit appraisal do not pass through in block chain, and " transaction is rejected " item is written.
Further, described to include: according to transaction amount and the progress credit appraisal of paying party credit situation
Bank's account to all banks that block chain has been added, using the ID card No. of the paying party as account identification
The treasury trade situation of paying party bank account is inquired at family；
According to preset condition, calculates and add up total income in the paying party bank account preset time, judge whether it is greater than
Payment Amount in " promise to pay "；
It is not completed according to calculated result and comprehensive paying party history and pays off situation and show that paying party provided in transaction " pays
The credit appraisal result of money promise ".
Transaction number identical " promise to pay " and " gathering statement " have periodically been checked whether on block chain, and do not have phase
With " transaction is set up " of transaction number or " transaction is rejected " item；If so, then carrying out credit appraisal, credit appraisal is mainly examined
Consider following factor:
Only for all banks that block chain is added, such as: first respectively has one in second bank, the third bank and fourth bank respectively
Bank account；Block chain is not added in Dante bank, and the treasury trade of Ze Ding bank is not as first using the embodiment of the present invention
The credit appraisal reference frame of block chain transaction；And
To all banks that block chain is added, using requestee's ID card No. as the bank account of account identification, inquiry
Treasury trade situation.Such as in one month, these bank accounts add up total income, if the payment gold being greater than in " promise to pay "
Volume, wherein the Payment Amount in " promise to pay " may be the total of the Payment Amount of multiple unfinished promises to pay.For example,
First is 500 yuan (monthly 2 days arrive account) in the monthly amount of money that keeps accounts of second bank, the monthly amount of money that keeps accounts of the third bank be 700 yuan (monthly
Arrive account within 4th).First is paid the bill 1000 yuan in January 1 promise, in 500 yuan of second bank paying on January 2.Promise to pay gold at this time
Volume becomes " 500 yuan "；January 3, first was made that 800 yuan of promise to pay again, then by basis, the aggregating payments of first when credit appraisal
Promise to undertake be accumulative income in 1300 yuan and one month be 1200 yuan (January the third bank on the 4th 700 yuan and 2 months 1 Yi banks
500 yuan), the credit appraisal of promise to pay of the overall merit first at January 3 is as a result, aggregating payments promise to undertake and are greater than one at this time
A month accumulative income；Show that there are certain risks for refund；Further include,
Requestee history it is passing whether there is a situation where be more than certain time limit (such as 1 month) do not complete pay off.
In bank settlement, by isolation method restrain as defined in the fund that must not be used to clear up the debt, i.e., in credit appraisal
In " such as in one month, these bank accounts add up total income " not comprising this part take in.
Credit appraisal as a result, can be divided by grade, such as: be 10 grades by 1 to 10 points, 10 indicate credit ratings
Preferably, 1 indicate that credit rating is most bad, requestee can provide according to the actual situation, reach a certain grade in credit rating result
When, just indicate that credit appraisal passes through.
Further, after carrying out credit appraisal according to transaction amount and paying party credit situation, further includes:
If credit appraisal is completed, " credit appraisal completion " the item, " credit appraisal are written in block chain
Completion " item includes: that time, credit appraisal result are set up in transaction number and transaction, it is contemplated that the transaction deadline；
It sends a notification message to beneficiary, notice beneficiary credit appraisal is completed.
" credit appraisal completion " the item transaction number is identical as the transaction number in " promise to pay "；The estimated friendship
Being readily accomplished the time is the time when estimated payee can receive whole funds.
Further, the fund in the bank account by paying party is also wrapped before being transferred to beneficiary account according to agreement
It includes:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, it is all that payment is attempted immediately
The fund of promise to pay, and payment sequence is executed according to the sequencing of preset each bank account repayment and is paid
Money；Alternatively, paying amount by each bank's pro rata distribution in the history fund receipt and payment situation of each bank according to paying party；
Fund in the bank account by paying party is transferred to beneficiary account according to agreement specifically:
After setting clearing strategy, the fund in paying party bank account is transferred to beneficiary account according to clearing strategy
Family.
After transaction is set up, and there is no " transaction is completed " item of same transaction number in block chain, any one
When there be payable fund (cash does not include credit (card) amount) in bank in block chain, attempt to pay all promise moneys immediately
, and payment sequence executes payment according to the sequencing of preset each bank account repayment, such as according to silver
Row submits the sequencing of payment application to execute.Specifically, the promise payment amount of first is 1000 yuan, when first is in second bank account
Payable fund is 100 yuan, and the payable fund in the third bank account is 1050 yuan.If second bank initiates prior to the third bank
Reimbursemen is requested, then 100 yuan of second bank paying, the third 900 yuan of bank paying.If the third bank initiates reimbursemen request prior to second bank,
Then 1000 yuan of the third bank paying, second bank does not pay.
Alternatively, pro rata distribution pays amount according to each bank's history fund receipt and payment situation.Specifically, the promise of first is paid
Amount of money degree is 1000 yuan.First second bank account it is monthly keep accounts 900 yuan of the amount of money, in the monthly amount of money that keeps accounts of the account of the third bank
100 yuan, Ze Yi bank and the third bank are 9:1 to payment proportion apportioned by this promise to pay.
Further, after setting clearing strategy, the fund in paying party bank account is transferred to according to clearing strategy
Beneficiary account specifically includes:
Clearing notice is sent to paying party bank, the clearing notice includes the transaction number and clearing plan of " promise to pay "
Slightly；
According to the requirement of clearing strategy, the trigger for repaying payment is set up in paying party bank, when paying party bank account
When inside having the fund that can be used for repaying payment, searching first in block chain has identical friendship with " promise to pay " of this transaction
Block chain is written after each payment by bank in " payment " easily numbered, " payment ", comprising: transaction number,
Current time and Payment Amount；The amount of money that this need to pay the bill further according to the payment amount calculation in " payment "；Then according to
Calculated result is paid the bill immediately, and after completing payment, is written in block chain new " payment "；
All " payments " with same transaction number are summarized, if summarized results has reached, " payment is held
After Payment Amount in promise ", indicate that the credits and debition between a pair of " promise to pay " and " gathering statement " complete
Clearance, then write-in " transaction is completed " item in block chain, " transaction is completed " item include: that transaction number and transaction are completed
Time.
If having new bank that block chain is added again after sending clearing notice to bank, and promise to pay people is wherein
There is bank account, then sends clearing notice again to each bank.
Further, it is described " transaction is rejected " item is written in block chain according to credit appraisal result by beneficiary after
Further include:
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, is written and " holds in block chain
Promise insurance " item, " promising to undertake insurance " item includes: transaction number, and current time, the time is cashed in insured amount and insurance；
In block chain after write-in " promising to undertake insurance " item, sent a notification message from insurance company to beneficiary；
After the notification message that beneficiary receives insurance company's transmission, continuous business is confirmed whether by beneficiary, and write
Enter in " transaction is set up " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, and current time is handed over
Easily set up reason: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, and current time is traded and refused
Exhausted reason: insurance is promised to undertake and is rejected；
It is public by insurance if occurring " transaction is rejected " item that reason is " insurance is promised to undertake and is rejected " on block chain
Department's write-in " promising to undertake that insuring agreement is closed " item in block chain, " promising to undertake that the insuring agreement is closed " item includes: that transaction is compiled
Number and current time.
Insurance company decides whether to undertake insurance responsibility for requestee according to the information in " credit appraisal completion " item,
For payee, it may be desirable to credit appraisal it is higher can just agree to trade, can be with and for insurance company
According to the strategy of oneself company, " promise to pay " more slightly lower to credit appraisal is assured, or is provided accordingly by requestee
Guaranty, for transaction tender guarantee.
In step s 2, because payee may receive after write-in " transaction is set up " or " transaction is rejected " item
The notice of insurance company, and be made that decision again, i.e., " transaction is set up " item is written in block chain.Therefore it pays
When clearing after finding " transaction is rejected " item that reason is " credit appraisal does not pass through ", it is also necessary to search whether " to hold
Promise insurance " item and reason are " transaction is set up " item of " insurance, which is promised to undertake, to be received ".
If " promising to undertake insurance " is written in insurance company on block chain and " promise to pay " is written on block chain in requestee
It is completed at the same time.Payee only needs to be written primary " transaction is set up " or " transaction is rejected " item at this time, and reason can only be
" insurance, which is promised to undertake, to be received " or " insurance is promised to undertake and is rejected " do not need to " credit appraisal completion " and " promising to undertake insurance " two things
Item is respectively written into judgement result.
" promising to undertake insurance " item is written in insurance company in block chain, " transaction is rejected " item can be written in payee
It executes again later；It can also execute before write-in " transaction is rejected " item, be decided in its sole discretion by insurance company.
Certainly for the transaction of " transaction is set up " item, insurance can also be increased, the time limit in " promising to undertake insurance " item
After expiring, if not completing payment settlement, remaining fund is paid by insurance company.
Further, requestee confirms continuous business, and transaction is written and sets up reason to insure and promising to undertake received " transaction
After establishment " item, further includes:
To any one transaction number, if there is " promise to undertake and insure " item, then " the insurance in " promising to undertake insurance " item
Cash the time " time point, check whether that there are corresponding " transaction complete " items；
If there is no " transaction is completed " item, then the residual amount of incomplete transaction is transferred from the account of insurance company
To beneficiary account, and write-in " transaction is completed " item in block chain；
If there is " transaction is completed " item, or complete to transfer incomplete transaction from the account of insurance company
To beneficiary account " insurance responsibility has been eliminated " item is then written, described " insurance responsibility has disappeared in residual amount in block chain
Except " item includes: transaction number, current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken insurance duty
Appoint；
" insurance responsibility has been eliminated " item that reason is " insurance company has undertaken insurance responsibility " is chased after as to paying party
The foundation repaid.
Embodiment two
In order to preferably describe technical solutions according to the invention, below to the specific of a preferred embodiment of the present invention
Process is described in detail, as shown in Fig. 2, the present embodiment provides a kind of method of commerce based on block chain, comprising:
Step 101: when being traded, " gathering statement " is written in beneficiary on block chain；
Step 102: corresponding " promise to pay " is written in paying party on block chain；
Step 103: settlement of transactions node carries out credit appraisal according to the credit situation of transaction amount and paying party, after the completion
" credit appraisal completion " item is written on block chain；
According to credit appraisal as a result, if credit appraisal passes through, carry out step 104: beneficiary is written on block chain
" transaction is set up " item；
Reason is set up in write-in transaction in this " transaction is set up " item simultaneously: credit appraisal passes through；And carry out step
106；
If credit appraisal does not pass through, carry out step 105: " transaction is rejected " thing is written in beneficiary on block chain
?；
And in this " transaction is rejected " item and transaction is written is rejected reason: credit appraisal does not pass through；And carry out
Step 108；
Step 106: after transaction is set up, settlement of transactions node, in the payable fund of bank, is paid according to paying party
Promise to undertake fund, and " payment " is written in block chain in paying bank；
If after summarizing the Payment Amount that the Payment Amount in all " payments " has reached in promise to pay, into
Row step 107: " transaction is completed " item is written in settlement of transactions node in block chain；Indicate that this transaction is completed；
Step 108: after " transaction is rejected " item is written in block chain according to credit appraisal result in beneficiary, if protected
" promise to pay " that dangerous company is determined as paying party undertakes insurance responsibility, then write-in " the promising to undertake insurance " item in block chain
If payee does not accept the insurance of insurance company, carry out step 105: beneficiary is written on block chain " to be handed over
Easily it is rejected " item；
And in this " transaction is rejected " item and transaction is written is rejected reason: insurance is promised to undertake and is rejected；And it is transferred to
Step 109；
Step 109: write-in " promising to undertake that the insuring agreement is closed " item in block chain；Indicate that this transaction is unable to complete；
If payee accepts the insurance of insurance company, carry out step 104: " transaction is written in beneficiary on block chain
Set up " item；
And reason is set up in write-in transaction in this " transaction is set up " item: insurance, which is promised to undertake, to be received, and step is then carried out
106；Also,
If after summarizing the Payment Amount that the Payment Amount in all " payments " has reached in promise to pay, into
Row step 107: " transaction action " is written in settlement of transactions node in block chain；Then carry out step 111；
If summarizing the Payment Amount in all " payments " does not reach Payment Amount in promise to pay, carry out
Step 110: the residual amount of incomplete transaction is transferred from the account of insurance company to beneficiary account, and carries out step 111:
" insurance responsibility has been eliminated " item is written in block chain, and carries out step 107 simultaneously；This transaction is completed.
Embodiment three
As shown in figure 3, according to another aspect of the present invention, the present invention also provides a kind of transaction system based on block chain,
It include: block catenary system 1；The block catenary system 1 includes: beneficiary node 11, paying party node 12 and payment and settlement node
13；
The beneficiary node 11 is used for when being traded, in the write-in of block catenary system 1 " gathering statement "；The payment
Fang Jiedian 12 is used for when being traded, and corresponding " promise to pay " is written in block catenary system 1；
The payment and settlement node 13 is used to carry out credit appraisal according to transaction amount and paying party credit situation；The receipts
Money side's node 11 be also used to be written " transaction set up " item in block catenary system 1 according to credit appraisal result with indicate transaction at
It is vertical, or corresponding " transaction is rejected " item is written to indicate that transaction is rejected；
If transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
If transaction is set up, the payment and settlement node 13 is also used to the money in paying party bank account through bank
Gold is transferred to beneficiary account according to agreement, and write-in " transaction is completed " item in block catenary system 1.
Further, described " gathering statement " includes:
Paying party name, paying party ID card No., Payment Amount, beneficiary name, beneficiary account, current time,
Transaction number；
" promise to pay " includes:
Paying party name, paying party ID card No., beneficiary name, beneficiary account, Payment Amount, current time,
Transaction number；
Transaction number in " promise to pay " is identical as the transaction number in " gathering is stated ".
Further, described " transaction set up " item includes:
Reason is set up in transaction number, current time, transaction: credit appraisal passes through；
" transaction is rejected " item includes: transaction number, and current time trades and sets up or be rejected reason: credit
Evaluation does not pass through；
Transaction number in " transaction is set up " or " transaction is rejected " item is all compiled with the transaction in " promise to pay "
It is number identical.
Further, the payment and settlement node 13 is used to be commented according to transaction amount and paying party credit situation progress credit
Valence includes:
Payment and settlement node 13 to be added block catenary system 1 all banks, using the ID card No. of the paying party as
The bank account of account identification inquires the treasury trade situation of paying party bank account；；
According to preset condition, calculates and add up total income in the paying party bank account preset time, judge whether it is greater than
Payment Amount in " promise to pay "；
It is not completed according to calculated result and comprehensive paying party history and pays off situation and show that paying party provided in transaction " pays
The credit appraisal result of money promise ".
Further, the payment and settlement node 13 is used to be commented according to transaction amount and paying party credit situation progress credit
After valence, it is also used to:
If credit appraisal is completed, " credit appraisal completion " the item, " letter are written in block catenary system 1
With evaluation complete " item include: transaction number and transaction set up the time, credit appraisal result, it is contemplated that transaction the deadline；
It sends a notification message to beneficiary node 11, notice beneficiary credit appraisal is completed.
Further, the payment and settlement node 13 is turned the fund in paying party bank account according to agreement by bank
It is also used to before entering beneficiary account:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, it is all that payment is attempted immediately
The fund of promise to pay, and payment sequence is executed according to the sequencing of preset each bank account repayment and is paid
Money；Alternatively, paying amount by each bank's pro rata distribution in the history fund receipt and payment situation of each bank according to paying party；
Fund in paying party bank account is transferred to beneficiary according to agreement by bank by the payment and settlement node 13
Account specifically:
After clearing strategy setting is good, the fund in paying party bank account is transferred to by receipts by bank according to clearing strategy
Money side's bank account.
As shown in figure 4, further, the transaction system further includes bank node 14；The payment and settlement node 13 is used
In after clearing strategy setting is good, the fund in paying party bank account is transferred to by beneficiary silver by bank according to clearing strategy
Row account specifically includes:
Payment and settlement node 13 sends clearing notice to bank node 14, and the clearing notice includes the friendship of " promise to pay "
Easily number and clearing strategy；
And the trigger for repaying payment is set up in paying party bank according to the requirement of clearing strategy by bank node 14,
And when having the fund that can be used for repaying payment in paying party bank account, by bank node 14 first in block linkwork
System 1 in search with this transaction " promise to pay " have same transaction number " payment ", " payment " by
Block catenary system 1 is written after each payment in bank, comprising: transaction number, current time and Payment Amount；It is saved again by bank
The amount of money that this need to pay the bill according to the payment amount calculation in " payment " of point 14；Then according to calculated result by bank node
14 pay the bill immediately, and after completing payment, new " payment " is written in bank node 14 in block catenary system 1；
The payment and settlement node 13 is also used to summarize all " payments " with same transaction number, such as
After fruit summarized results has reached the Payment Amount in " promise to pay ", indicate between a pair of " promise to pay " and " gathering statement "
Credits and debition complete clearance, then write-in " transaction complete " item in block catenary system 1, described " transaction is completed "
Item includes: transaction number and transaction deadline.
Further, the transaction system further includes insurance company's node 15；Insurance company's node 15 is used in institute
It states after " transaction is rejected " item is written in block catenary system 1 according to credit appraisal result in beneficiary node 11,
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, write in block catenary system 1
Enter " promising to undertake insurance " item, " promising to undertake insurance " item includes: transaction number, and current time, insured amount and insurance are cashed
Time；And
In block catenary system 1 after write-in " promising to undertake insurance " item, send a notification message to beneficiary；
The beneficiary node 11 is also used to after receiving the notification message of insurance company, is confirmed whether continuous business, and
And in write-in " transaction is set up " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, when current
Between, reason is set up in transaction: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, and current time is handed over
Easily be rejected reason: insurance is promised to undertake and is rejected；
Insurance company's node 15 is also used to when occurring reason on block catenary system 1 be " insurance is promised to undertake and is rejected "
When " transaction is rejected " item, write-in " promising to undertake that insuring agreement is closed " item, described " to promise to undertake insurance thing in block catenary system 1
Item closing " item includes: transaction number and current time.
Further, in the confirmation continuous business of beneficiary node 11, and it is that insurance promise is connect that transaction, which is written, to set up reason
After " transaction is set up " item received, the payment and settlement node 13 is also used to:
To any one transaction number, if there is " promise to undertake and insure " item, then " the insurance in " promising to undertake insurance " item
Cash the time " time point, check whether that there are corresponding " transaction complete " items；
If there is no " transaction is completed " item, then the residual amount of incomplete transaction is transferred from the account of insurance company
To beneficiary account, and write-in " transaction is completed " item in block catenary system 1；
If there is " transaction is completed " item, or complete to transfer incomplete transaction from the account of insurance company
" insurance responsibility has been eliminated " item, " insurance responsibility is then written to beneficiary account in residual amount in block catenary system 1
Eliminate " item includes: transaction number, and current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken guarantor
Dangerous responsibility；
Insurance company's node 15 be also used to by reason be " insurance company has undertaken insurance responsibility " " insurance responsibility is
Elimination " item is as the foundation to paying party recovery.
For this system embodiment, since it is substantially corresponding with embodiment of the method, so being described relatively simple, phase
Place is closed referring to the corresponding process in preceding method embodiment one and embodiment two, details are not described herein.
It is understood that the principle that embodiment of above is intended to be merely illustrative of the present and the exemplary implementation that uses
Mode, however the present invention is not limited thereto.For those skilled in the art, essence of the invention is not being departed from
In the case where mind and essence, various changes and modifications can be made therein, these variations and modifications are also considered as protection scope of the present invention.
Claims (12)
1. a kind of method of commerce based on block chain characterized by comprising
When being traded, " gathering statement " is written on block chain by beneficiary；It is written on block chain by paying party opposite
" promise to pay " answered；
Credit appraisal is carried out according to transaction amount and paying party credit situation；By beneficiary according to credit appraisal result in block chain
Middle corresponding " transaction is set up " item of write-in is to indicate that transaction is set up, or corresponding " transaction is rejected " item is written to indicate to hand over
Easily it is rejected；
If transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
If transaction is set up, the fund in paying party bank account is transferred to beneficiary account according to agreement, and in block chain
Middle write-in " transaction is completed " item.
2. the method for commerce according to claim 1 based on block chain, which is characterized in that it is described according to transaction amount and pay
Money side's credit situation carries out credit appraisal
It is looked into all banks that block chain has been added using the ID card No. of the paying party as the bank account of account identification
Ask the treasury trade situation of paying party bank account；
It according to preset condition, calculates and adds up total income in the paying party bank account preset time, judge whether it is greater than and " pay the bill
Payment Amount in promise "；
Do not completed according to calculated result and comprehensive paying party history pay off that situation show that paying party provides in transaction " payment is held
The credit appraisal result of promise ".
3. the method for commerce according to claim 1 based on block chain, which is characterized in that described by paying party bank account
In fund be transferred to before beneficiary account according to agreement further include:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, attempt to pay all payments immediately
The fund of promise, and payment sequence executes payment according to the sequencing of preset each bank account repayment；Or
Person pays amount by each bank's pro rata distribution according to paying party in the history fund receipt and payment situation of each bank；
Fund in the bank account by paying party is transferred to beneficiary account according to agreement specifically:
After setting clearing strategy, the fund in paying party bank account is transferred to beneficiary account according to clearing strategy.
4. the method for commerce according to claim 3 based on block chain, which is characterized in that after setting clearing strategy,
The fund in paying party bank account beneficiary account is transferred to according to clearing strategy to specifically include:
Clearing notice is sent to paying party bank, the clearing notice includes the transaction number and clearing strategy of " promise to pay "；
According to the requirement of clearing strategy, the trigger for repaying payment is set up in paying party bank, is had when in paying party bank account
When can be used for repaying the fund of payment, searches first in block chain and compiled with " promise to pay " of this transaction with same transaction
Number " payment ", block chain is written after each payment by bank in " payment ", comprising: transaction number, currently
Time and Payment Amount；The amount of money that this need to pay the bill further according to the payment amount calculation in " payment "；Then according to calculating
As a result it pays the bill, and after completing payment, is written in block chain new " payment " immediately；
All " payments " with same transaction number are summarized, if summarized results has reached in " promise to pay "
Payment Amount after, indicate that the credits and debition between a pair of " promise to pay " and " gathering is stated " complete clearance,
Then write-in " transaction is completed " item in block chain, " transaction is completed " item includes: transaction number and transaction deadline.
5. the method for commerce according to claim 1 based on block chain, which is characterized in that it is described by beneficiary according to credit
After " transaction is rejected " item is written in block chain in evaluation result further include:
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, write-in " is promised to undertake and is protected in block chain
Danger " item, " promising to undertake insurance " item includes: transaction number, and current time, the time is cashed in insured amount and insurance；
In block chain after write-in " promising to undertake insurance " item, sent a notification message from insurance company to beneficiary；
After the notification message that beneficiary receives insurance company's transmission, continuous business is confirmed whether by beneficiary, and is written and " hands over
In easily establishment " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, and current time is traded and set up
Reason: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, and current time trades and is rejected original
Cause: insurance is promised to undertake and is rejected；
If occurring " transaction is rejected " item that reason is " insurance is promised to undertake and is rejected " on block chain, existed by insurance company
Write-in " promise to undertake insuring agreement close " item in block chain, " promising to undertake that the insuring agreement is closed " item include: transaction number and
Current time.
6. the method for commerce according to claim 5 based on block chain, which is characterized in that requestee confirms continuous business,
And it is after received " transaction is set up " item is promised to undertake in insurance that transaction, which is written, to set up reason, further includes:
To any one transaction number, if there is " promise to undertake and insure " item, then in " promising to undertake insurance " item " insurance is cashed
The time point of time " checks whether that there are corresponding " transaction is completed " items；
If there is no " transaction complete " item, then the residual amount of incomplete transaction is transferred from the account of insurance company to receipts
Money side's account, and write-in " transaction is completed " item in block chain；
If there is " transaction is completed " item, or the residue that incomplete transaction is transferred from the account of insurance company is completed
" insurance responsibility has been eliminated " item, " insurance responsibility has been eliminated " thing is then written to beneficiary account in the amount of money in block chain
Item includes: transaction number, and current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken insurance responsibility；
Using " insurance responsibility has been eliminated " item that reason is " insurance company has undertaken insurance responsibility " as to paying party recovery
Foundation.
7. a kind of transaction system based on block chain characterized by comprising block catenary system；The block catenary system includes:
Beneficiary node, paying party node and payment and settlement node；
The beneficiary node is used for when being traded, in the write-in of block catenary system " gathering statement "；The paying party node
For corresponding " promise to pay " to be written in block catenary system when being traded；
The payment and settlement node is used to carry out credit appraisal according to transaction amount and paying party credit situation；The beneficiary section
Point is also used to be written " transaction is set up " item in block catenary system according to credit appraisal result to indicate that transaction is set up, or write-in
" transaction is rejected " item is accordingly to indicate that transaction is rejected；
If transaction is rejected, beneficiary and paying party cannot be completed this time to trade by block chain；
If transaction set up, the payment and settlement node be also used to by bank by the fund in paying party bank account according to
Agreement is transferred to beneficiary account, and write-in " transaction is completed " item in block catenary system.
8. the transaction system according to claim 7 based on block chain, which is characterized in that the payment and settlement node is used for
Carrying out credit appraisal according to transaction amount and paying party credit situation includes:
Payment and settlement node is to all banks that block catenary system is added, using the ID card No. of the paying party as account identification
Bank account, inquire paying party bank account treasury trade situation；；
It according to preset condition, calculates and adds up total income in the paying party bank account preset time, judge whether it is greater than and " pay the bill
Payment Amount in promise "；
Do not completed according to calculated result and comprehensive paying party history pay off that situation show that paying party provides in transaction " payment is held
The credit appraisal result of promise ".
9. the transaction system according to claim 7 based on block chain, which is characterized in that the payment and settlement node passes through
Bank is also used to before the fund in paying party bank account is transferred to beneficiary account according to agreement:
Setting clearing strategy, the clearing strategy include:
When having payable fund in the bank that block chain has been added in any one of paying party, attempt to pay all payments immediately
The fund of promise, and payment sequence executes payment according to the sequencing of preset each bank account repayment；Or
Person pays amount by each bank's pro rata distribution according to paying party in the history fund receipt and payment situation of each bank；
Fund in paying party bank account is transferred to beneficiary account tool according to agreement by bank by the payment and settlement node
Body are as follows:
After clearing strategy setting is good, the fund in paying party bank account is transferred to by beneficiary by bank according to clearing strategy
Bank account.
10. the transaction system according to claim 9 based on block chain, which is characterized in that the transaction system further includes
Bank node；The payment and settlement node is used for after clearing strategy setting is good, passes through bank for paying party according to clearing strategy
Fund in bank account is transferred to beneficiary bank account and specifically includes:
Payment and settlement node to bank node send clearing notice, it is described clearing notice include " promise to pay " transaction number and
Clearing strategy；
And the trigger for repaying payment is set up in paying party bank according to the requirement of clearing strategy by bank node, and, when
When having the fund that can be used for repaying payment in paying party bank account, searched first in block catenary system by bank node with
" promise to pay " of this transaction has " payment " of same transaction number, and " payment " is being paid every time by bank
Block catenary system is written after money, comprising: transaction number, current time and Payment Amount；Again by bank node according to " payment thing
" in payment amount calculation this amount of money that need to pay the bill；Then it is paid the bill immediately according to calculated result by bank node, and
After completing payment, new " payment " is written in bank node in block catenary system；
The payment and settlement node is also used to summarize all " payments " with same transaction number, if summarized
As a result after having reached the Payment Amount in " promise to pay ", the credits between a pair of " promise to pay " and " gathering statement " are indicated
Clearance is completed with debition, then write-in " transaction is completed " item in block catenary system, " transaction is completed " the item packet
It includes: transaction number and transaction deadline.
11. the transaction system according to claim 7 based on block chain, which is characterized in that the transaction system further includes
Insurance company's node；Insurance company's node is used in the beneficiary node according to credit appraisal result in block catenary system
After middle write-in " transaction is rejected " item,
If " promise to pay " that insurance company is determined as paying party undertakes insurance responsibility, is written and " holds in block catenary system
Promise insurance " item, " promising to undertake insurance " item includes: transaction number, and current time, the time is cashed in insured amount and insurance；
And
In block catenary system after write-in " promising to undertake insurance " item, send a notification message to beneficiary；
The beneficiary node is also used to after receiving the notification message of insurance company, is confirmed whether continuous business, and be written
In " transaction is set up " or " transaction is rejected " item, " transaction is set up " item includes: transaction number, current time, transaction
Set up reason: insurance, which is promised to undertake, to be received, and " transaction is rejected " item includes: transaction number, current time, and transaction is rejected
Reason: insurance is promised to undertake and is rejected；
Insurance company's node is also used to when " the transaction quilt for reason occur on block catenary system for " insurance is promised to undertake and is rejected "
When refusal " item, write-in " promising to undertake that the insuring agreement is closed " item in block catenary system, " promising to undertake that the insuring agreement is closed " thing
Item includes: transaction number and current time.
12. the transaction system according to claim 11 based on block chain, which is characterized in that beneficiary node confirmation after
Continuous transaction, and it is the payment and settlement node after received " transaction is set up " item is promised to undertake in insurance that transaction, which is written, to set up reason
It is also used to:
To any one transaction number, if there is " promise to undertake and insure " item, then in " promising to undertake insurance " item " insurance is cashed
The time point of time " checks whether that there are corresponding " transaction is completed " items；
If there is no " transaction complete " item, then the residual amount of incomplete transaction is transferred from the account of insurance company to receipts
Money side's account, and write-in " transaction is completed " item in block catenary system；
If there is " transaction is completed " item, or the residue that incomplete transaction is transferred from the account of insurance company is completed
To beneficiary account " insurance responsibility has been eliminated " item is then written, described " insurance responsibility has disappeared in the amount of money in block catenary system
Except " item includes: transaction number, current time eliminates reason: having been eliminated by insuring agreement or insurance company has undertaken insurance duty
Appoint；
Insurance company's node is also used to " insurance responsibility has been eliminated " by reason for " insurance company has undertaken insurance responsibility "
Item is as the foundation to paying party recovery.
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| CN111626722A (en) * | 2020-06-01 | 2020-09-04 | 中国联合网络通信集团有限公司 | Cross-border payment method and device |
| CN111626722B (en) * | 2020-06-01 | 2023-11-24 | 中国联合网络通信集团有限公司 | Cross-border payment method and device |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, device, equipment and readable storage medium |
| WO2022073212A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| WO2022073208A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| CN114008654A (en) * | 2020-10-09 | 2022-02-01 | 支付宝(杭州)信息技术有限公司 | Managing a block chain based trusted transaction service |
| WO2022073210A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US11798050B2 (en) | 2020-10-09 | 2023-10-24 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US11935048B2 (en) | 2020-10-09 | 2024-03-19 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| CN112651833A (en) * | 2020-12-23 | 2021-04-13 | 远光软件股份有限公司 | Securities processing method, computer equipment and storage device |
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Application publication date: 20191029 |