CN110659975A

CN110659975A - Resource transfer method, device, equipment and storage medium based on block chain

Info

Publication number: CN110659975A
Application number: CN201910964991.8A
Authority: CN
Inventors: 王星雅
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-11
Filing date: 2019-10-11
Publication date: 2020-01-07
Anticipated expiration: 2039-10-11
Also published as: CN110659975B

Abstract

The application discloses a resource transfer method, a device, equipment and a storage medium based on a block chain, and belongs to the technical field of block chains. According to the resource transfer mode, the block chain system automatically obtains the user data of the target user from the block chain according to the deduction conditions without providing relevant information by the user, and due to the fact that data stored in the block chain cannot be tampered, the obtained user data can be effectively guaranteed to be real and effective, accuracy of the calculated deduction values is guaranteed, and the accuracy of resource transfer results is guaranteed.

Description

Resource transfer method, device, equipment and storage medium based on block chain

Technical Field

The present application relates to the field of block chain technologies, and in particular, to a method, an apparatus, a device, and a storage medium for resource transfer based on a block chain.

Background

After the personal income tax law is reformed, six items of special deduction such as child education, continuous education, major illness medical treatment, housing loan interest, housing rent and support of the aged are added, and the measure greatly reduces the burden of taxpayers on the aspects of education, medical treatment, housing and the like. When the taxpayer declares the special additional deduction, the declaration form needs to be filled in, the taxpayer declares the additional deduction by self, then the declaration information filled in the declaration form is checked by the unit or tax authority where the taxpayer is located, after the information is confirmed to be correct, the deduction value of the taxpayer can be calculated according to the special additional deduction policy, and then resource transfer is carried out based on the deduction value, namely tax deduction.

However, in the resource transfer process, it is difficult to ensure the authenticity of the declaration information provided by the taxpayer, so that the verification difficulty of the declaration information is high, and when false or wrong declaration information is not verified, the calculated deduction value is inaccurate, and further the tax deduction is incorrect.

Disclosure of Invention

The embodiment of the application provides a resource transfer method, a device, equipment and a storage medium based on a block chain, which can solve the problems that calculated deduction values in the related technology are inaccurate, and tax deduction is wrong.

The technical scheme is as follows:

in one aspect, a method for resource transfer based on a block chain is provided, where the method includes:

acquiring a target deduction condition from a block chain of the block chain system based on a deduction request of a target user, wherein the target deduction condition comprises a target deduction item and a deduction limit corresponding to the target deduction item;

acquiring first data from a block chain of the block chain system based on the identity of the target user and the target deduction item, wherein the first data corresponds to the identity and belongs to the target deduction item;

determining a deduction value of the target user based on the first data and the deduction limit corresponding to the target deduction item;

storing the deduction value on the block chain of the block chain system, and executing the step of resource transfer by the block chain system based on the deduction value.

In one aspect, an apparatus for resource transfer based on a block chain is provided, and the apparatus includes:

the condition acquisition module is used for acquiring a target deduction condition from the block chain of the block chain system based on a deduction request of a target user, wherein the target deduction condition comprises a target deduction item and a deduction limit corresponding to the target deduction item;

a first data obtaining module, configured to obtain first data from a block chain of the block chain system based on an identity of the target user and the target deduction item, where the first data corresponds to the identity and belongs to the target deduction item;

the deduction value determining module is used for determining the deduction value of the target user based on the first data and the deduction limit corresponding to the target deduction item;

and the resource transfer module is used for storing the deduction value on a block chain of the block chain system, and executing the step of resource transfer by the block chain system based on the deduction value.

In a possible implementation manner, the target deduction condition belongs to a target category, and at least one deduction condition in the target category carries the same category identifier.

In one possible implementation, the condition obtaining module is configured to:

based on the category identification, acquiring at least one deduction condition from a block chain of the block chain system, wherein one deduction condition corresponds to an initial time and a cut-off time;

and determining the deduction condition that the starting time is less than the current time and the cut-off time is greater than the current time as the target deduction condition.

In one possible implementation, the apparatus further includes:

a generating module for generating data records based on the user behavior of the target user, one of the data records corresponding to one of the data categories;

and the record storage module is used for storing the data record to the block chain of the block chain system based on a consensus mechanism.

In one possible implementation, the apparatus further includes:

the identification acquisition module is used for acquiring the identity identification of the family member of the target user;

the second data acquisition module acquires second data of the family member from the block chain of the block chain system based on the identity of the family member and the target deduction item;

and the partial deduction value determining module is used for determining the partial deduction value of the family member based on the first data, the second data and the deduction limit corresponding to the target deduction item.

In one possible implementation, the partial deduction value determination module is configured to:

acquiring a deduction item corresponding to the family member and a deduction proportion corresponding to the deduction item;

and determining the partial withholding value of the family member based on the first data, the second data, the withholding amount corresponding to the withholding item and the withholding proportion corresponding to the withholding item.

In one possible implementation, the apparatus further includes:

the residual deduction value determining module is used for determining the residual deduction value of the family based on the deduction value of the family member and the partial deduction value of the family member;

and the numerical value storage module is used for storing the family residual deduction numerical value to the block chain of the block chain system.

In one aspect, a computer device is provided that includes one or more processors and one or more memories having at least one program code stored therein, the at least one program code being loaded and executed by the one or more processors to implement the operations performed by the blockchain based resource transfer method.

In one aspect, a computer-readable storage medium having at least one program code stored therein is provided, the at least one program code being loaded and executed by a processor to implement the operations performed by the block chain based resource transfer method.

The technical scheme provided by the embodiment of the application obtains the target deduction condition from the block chain through the deduction request based on the target user, obtaining first data from the block chain according to the target deduction item in the target deduction condition and the identity of the target user, determining the deduction value of the target user based on the first data and the deduction limit of each deduction item in the target deduction condition, completing resource transfer based on the deduction value, in the resource transfer mode, the block chain system automatically acquires the user data of the target user from the block chain according to the deduction condition without the user providing relevant information, because the data stored in the block chain can not be tampered, the reality and the effectiveness of the acquired user data can be effectively ensured, thereby ensuring the accuracy of the calculated deduction value and ensuring the accuracy of the resource transfer result.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of an implementation environment of a resource transfer method based on a block chain according to an embodiment of the present application;

FIG. 2 is a block chain system functional architecture diagram according to an embodiment of the present disclosure;

fig. 3 is a flowchart of a resource transfer method based on a block chain according to an embodiment of the present application;

FIG. 4 is a diagram illustrating a data structure of a tax policy according to an embodiment of the present application;

fig. 5 is a block chain structure according to an embodiment of the present application;

FIG. 6 is a diagram illustrating a data structure of a data record according to an embodiment of the present application;

fig. 7 is a flowchart of a method for generating a withholding value of a family member according to an embodiment of the present application;

fig. 8 is a schematic structural diagram of a resource transfer apparatus based on a block chain according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a terminal according to an embodiment of the present application;

fig. 10 is a schematic structural diagram of a server according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of an implementation environment of a resource transfer method based on a blockchain according to an embodiment of the present disclosure, and referring to fig. 1, the implementation environment may include a plurality of computer devices, where the plurality of computer devices may be a plurality of node devices in a blockchain system, and any one node device in the blockchain system may perform one or more steps of the resource transfer method based on a blockchain according to the embodiment of the present disclosure. The plurality of computer devices may be a plurality of node devices belonging to the same organization, or may be a plurality of node devices belonging to different organizations. For example, the plurality of computer devices may all belong to a tax authority, each department in the tax authority corresponding to at least one computer device therein, or at least one computer device of the plurality of computer devices is a user device, at least one computer device belongs to the tax authority, although there may also be at least one computer device belonging to other authorities, e.g., banks, real estate companies, consumption agencies, civil authorities, etc. Referring to fig. 2, fig. 2 is a schematic diagram of a block chain system functional architecture provided in this embodiment, where the block chain system may include node devices corresponding to tax agencies, consuming agencies, banks, public security administration, civil administration departments, and the like, and certainly includes at least one block chain, each node device may perform data interaction with the block chain, for example, the consuming agencies may store consumption information of a user in the block chain, the public security administration, the civil administration departments may store personal information and family information of the user in the block chain, the banks may store loan information, income information, and the like of the user in the block chain, and may also obtain a tax payment value of each user to perform tax deduction, and the like.

The plurality of computer devices may be servers or terminals, which is not specifically limited in this embodiment of the present application.

In order to facilitate understanding of the technical processes of the embodiments of the present application, some terms referred to in the embodiments of the present application are explained below:

block chain (Block chain): the method is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The blockchain is essentially a decentralized database, which is a string of data blocks associated by cryptography, each data block containing information about a network transaction for verifying the validity (anti-counterfeiting) of the information and generating the next block, each block containing a timestamp and a link to the previous block. In a narrow sense, a blockchain is a distributed ledger of data blocks assembled in a sequential manner into a chain data structure in chronological order and cryptographically secured as non-falsifiable and non-forgeable, i.e. the data in the blockchain will be irreversible once recorded.

Consensus mechanism (Consensus mechanism): the block chain system is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes. In the block chain system, the verification and confirmation of the transaction can be completed in a short time through the voting of special nodes, and if a plurality of nodes with irrelevant benefits can achieve consensus on a transaction, all the nodes in the system can also achieve consensus on the transaction.

Smart contract (Smart contract): is a computer protocol intended to propagate, validate or execute contracts in an informational manner. Each node in the blockchain system can automatically execute a contract program according to a specific condition, can operate data stored in the chain, and is an important way for a user to interact with the blockchain and realize business logic by using the blockchain. The goal of smart contracts is to provide a secure method over traditional contracts and to reduce other transaction costs associated with the contracts, which allows for trusted transactions that are traceable and irreversible without third parties.

Fig. 3 is a flowchart of a resource transfer method based on a blockchain according to an embodiment of the present disclosure, where the insurance data processing method may be applied to any node device in the blockchain system, and referring to fig. 3, the embodiment may specifically include the following steps:

301. the first node device stores the withholding condition to a block chain of the block chain system.

In this embodiment, the first node device may be a server corresponding to a tax authority, and the tax authority may store a tax policy to the block chain, and may further obtain user data of each user from the block chain to check tax information of each user, where the tax policy may be a deduction condition, a tax standard, and the like.

In one possible implementation manner, the tax policies may be divided into different categories based on information such as tax types and taxpayers, one category may correspond to one category identifier, and tax policies belonging to the same category may carry the same category identifier, for example, the personal income tax policy made in 2011 may correspond to category identifier a, the personal income tax policy made in 2018 may correspond to category identifier a, and the enterprise income tax may correspond to category identifier B. In this embodiment, the first node device may classify the tax policies collected within a period of time, integrate the multiple tax policies carrying the same category identifier together, and sort the multiple tax policies according to the issuing times, see fig. 4, where fig. 4 is a data structure diagram of a tax policy provided in this embodiment of the present application, the category identifier C may correspond to multiple tax policies belonging to the same category, for example, a current tax policy, a historical tax policy 1, a historical tax policy N, and the like, each tax policy may include information such as specific measures, a starting time, a deadline, and an issuing time stamp of the policy, where the issuing time stamp may be used to indicate the issuing time of the tax policy, and the deadline of the current tax policy may be determined based on the starting time of the latest obtained tax policy, for example, after obtaining the latest tax policy, the first node device may read a start time of the latest tax policy, and use the start time as a deadline of the current tax policy.

In one possible implementation, the first node device may store the tax policy collected over a period of time on the blockchain based on a consensus mechanism. Specifically, each node in the blockchain system has a node identifier corresponding thereto, and each node device in the blockchain system may store node identifiers of other node devices in the blockchain system, so that the generated block is broadcast to the other node devices in the blockchain system according to the node identifiers of the other node devices, and the block is commonly identified by the other node devices. Each node device may maintain a node identifier list as shown in the following table, and store the node name and the node identifier in the node identifier list correspondingly. The node identifier may be an IP (Internet Protocol) address and any other information that can be used to identify the node, and table 1 only illustrates the IP address as an example.

TABLE 1

Node name	Node identification
		Node 1	117.114.151.174
Node 2	117.116.189.145
		…	…
Node N	119.123.789.258

Each node device in the blockchain system may store one identical blockchain. A block chain is composed of a plurality of blocks, fig. 5 is a schematic diagram of a block chain structure provided in the embodiment of the present application, referring to fig. 5, the block chain is composed of a plurality of blocks, a starting block 501 includes a block header and a block main body, the block header stores an input information characteristic value, a version number, a timestamp and a difficulty value, and the block main body stores input information; the next block 502 of the starting block takes the starting block 501 as a parent block, the next block 502 also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block 503, the block head characteristic value, the version number, the time stamp and the difficulty value of the parent block, and so on, so that the block data stored in each block in the block chain is associated with the block data stored in the parent block, and the security of the input information in the block is ensured.

In the embodiment of the present application, the input information may be at least one tax policy, and after the node device completes verification on the input information, the input information is stored in a memory pool, and a hash tree used for recording the input information is updated, and then, an update timestamp is updated to a time when the input information is received, and different random numbers are tried, and feature value calculation is performed for multiple times, so that a calculated feature value may satisfy the following formula:

SHA256(SHA256(version+prev_merkle_rool+ntime+nbits+x))<TARGET

wherein, SHA256 is a characteristic value algorithm used for calculating a characteristic value; version is version information of the relevant block protocol in the block chain; prev _ hash is a block head characteristic value of a parent block of the current block; merkle _ root is a characteristic value of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, is a fixed value within a period of time, and is determined again after exceeding a fixed time period; x is a random number; TARGET is a feature threshold, which can be determined from nbits.

Therefore, when the random number meeting the formula is obtained through calculation, the information can be correspondingly stored, and the block head and the block main body are generated to obtain the current block. Then, the node where the block chain is located sends the newly generated current block to other nodes in the block chain system where the block chain is located according to the node identifiers of the other nodes in the block chain system, the other nodes perform consensus on the newly generated current block, the current block can be added to the block chain after passing the consensus, and certainly, if the current block does not pass the consensus, the block uplink operation may not be performed.

It should be noted that the above description of storing the tax policy in the block chain is only an exemplary description of one storage method, and the embodiment of the present application does not limit what storage method is specifically used.

302. And the second node equipment stores the collected user data to the block chain of the block chain system.

The user data may be data generated based on any user behavior, one user data may correspond to one data category, and the user data may include work information, rental information, medical records, consumption records, and the like of the user, and certainly, the user data acquired by the second node device may carry an identity of the user, and the identity may be used to uniquely identify one user, and in a possible implementation manner, the identity may be a public key of the user.

In this embodiment, the second node device may be any node device in the blockchain system, and the second node device may collect user data of a target user and store the user data onto the blockchain. Specifically, the second node device may generate a data record based on the user behavior of the target user, where one data record corresponds to one data category, for example, when the target user has consumption behavior at any institution, the second node device may generate a data record based on the consumption behavior, where the data record may include information about the amount, category, and the like consumed by the target user this time, and of course, the data record may further include the identity and a timestamp of the target user, where the timestamp may be used to indicate the occurrence time of the consumption behavior, the second node device may store the data record to the blockchain of the blockchain system based on a consensus mechanism, and in one possible implementation, the second node device may integrate the data records generated in a period of time and store the data records carrying the same identity together, in this embodiment of the present application, the second node device may further integrate the data records based on the time stamps in the data records, and store the data records generated in the target period together, see fig. 6, where fig. 6 is a schematic data structure diagram of a data record provided in this embodiment of the present application, for example, the data of the target user may be represented as "category 1: total amount "," category 2: total amount, etc., and the second node device may store the integrated data records to the blockchain.

The process of storing the data record into the blockchain is the same as the process of storing the withholding condition into the blockchain in step 301, and is not described herein again.

303. The first node device obtains a target deduction condition from the block chain of the block chain system based on a deduction request of a target user, wherein the target deduction condition comprises a target deduction item and a deduction limit corresponding to the target deduction item.

The deduction request can carry the identity of the target user, the target deduction condition can be part of terms in the tax policy, the deduction item can be house rent, continuous education and the like, and different deduction items can correspond to different deduction limits.

In this embodiment, the first node device may obtain at least one deduction condition from the block chain of the block chain system based on the category identifier, where one deduction condition corresponds to an initial time and an ending time, and the first node device may determine the deduction condition that the initial time is less than the current time and the ending time is greater than the current time as the target deduction condition.

304. The first node device obtains first data from the block chain of the block chain system based on the identity of the target user and the target deduction item, wherein the first data corresponds to the identity and belongs to the target deduction item.

In a possible implementation manner, the first node device may query, in the blockchain system, user data carrying the identity based on the identity of the target user, and obtain, from the user data, data indicated by the target deduction item as the first data based on the target deduction item, specifically, in this embodiment, one target deduction item may correspond to at least one data category, for example, when the target deduction item is a child education expense, the data category corresponding to the target deduction item may be child identity information, child education information, and the like, the first node device may obtain, based on the at least one data category corresponding to the target deduction item, a plurality of data records belonging to the at least one data category, and use the plurality of data records as the first data, of course, one target deduction item may also correspond to one target time period, after the first node device acquires the plurality of data records belonging to the at least one data category, the time stamps in the plurality of data records may be read, and the data records of the time indicated by the time stamps in the target time period are acquired as first data, where the target time period may be set by a developer.

In this embodiment of the present application, the step of obtaining the target deduction condition and the first data may be performed based on an intelligent contract, in a possible implementation manner, the deduction request may be used as a trigger manner of the intelligent contract, when the first node device receives the deduction request, the intelligent contract on the block chain may be automatically triggered, so that the first node device automatically performs the step of obtaining the target deduction condition and the first data, and when the deduction request is not received, the intelligent contract is not triggered.

In this embodiment of the present application, an execution sequence of first obtaining the target deduction condition and then obtaining the first data is used for description, but in some embodiments, the step of obtaining the first data may be performed first, and then the step of obtaining the target deduction condition is performed, or both the steps are performed simultaneously, which is not specifically limited in this embodiment of the present application.

305. The first node device determines a deduction value of the target user based on the first data and the deduction limit corresponding to the target deduction item.

In one possible implementation manner, the first node device may compare the first data with the target deduction condition, and when the first data meets the target deduction condition, the first node device may calculate a deduction value of the target user based on the first data and a deduction amount corresponding to the target deduction item, for example, the target deduction condition may be "related expenses of taxpayer children for receiving full-time academic education, deduction according to a standard quota of 1000 yuan per month", the first data may include the number of children, child education information, and the like of the target user, the first node device may read each child education information, determine whether each child of the target user is receiving full-time academic education, and if one child is receiving full-time academic education, the first node device determines that the first data meets the target deduction condition, calculating the deduction value of the target user to be 1000, if no child is receiving the full-day academic calendar education, the first node device determines that the first data does not accord with the target deduction condition, and the calculation step of the deduction value can not be executed.

In this embodiment of the present application, the step of calculating the deduction value may be performed based on an intelligent contract, where the intelligent contract may include a calculation rule of the deduction value, and the calculation rule may be set by a developer, in a possible implementation manner, a comparison result between the first data and the target deduction condition may be used as a trigger manner of the intelligent contract, when the first data matches the target deduction condition, the intelligent contract on the block chain may be automatically triggered, so that the first node device calculates the deduction value of the target user based on the calculation rule, and when the first data does not match the target deduction condition, the intelligent contract is not triggered.

306. The first node device stores the deduction value on a block chain of the block chain system, and the block chain system executes the step of resource transfer based on the deduction value.

In this embodiment, after the first node device determines the offset value of the target user, the offset value may be synchronized to the block chain system for future verification. The process of synchronizing the withholding value to the blockchain system is the same as the process of storing the withholding condition to the blockchain in step 301, and will not be described herein again.

When the target user pays the tax, the block chain system can determine the tax payment value of the target user based on the deduction value, and then the tax payment is completed. In a possible implementation manner, the tax payment process may be completed based on an intelligent contract, and when the tax payment time of the target user is reached, the intelligent contract on the blockchain may be automatically triggered, so that the first node device may obtain, based on the identity of the target user, the deduction value and income information of the target user and the tax payment policy applicable to the target user from the blockchain, and calculate the tax payment value of the target user, wherein the first node device may be a node device of a tax institution, or a node device of an individual user, or a node device of a tax payment institution such as a bank, and when the first node device is the tax institution or the node device of the individual user, the first node device may initiate a tax payment request, and the node device of the tax payment institution performs resource transfer based on the tax payment value, and completing tax payment, and when the first node equipment is the node equipment of the tax payment agency mechanism, calculating the tax payment value of the target user by the first node equipment, and executing the step of resource transfer.

The method comprises the steps that information such as income records and consumption records of a user is recorded through a block chain, node equipment corresponding to a tax institution can automatically judge whether the user meets tax deduction conditions or not according to the income information, the consumption information and a current tax policy of the user, calculate tax deduction values of the user and store the tax deduction values in the block chain, and when the user pays taxes, tax payment institutions such as enterprises and banks can complete resource transfer based on the tax deduction values stored in the block chain, namely, a tax payment step. In the resource process, the user does not need to personally declare related tax deduction items, the user is prevented from submitting declaration information such as consumption invoices and consumption proofs, staff is prevented from auditing the declaration information of the user, the information in the tax payment process is more public and transparent, deduction values and tax payment values of each user are automatically calculated based on data in a block chain and intelligent contracts, the tax payment values of each user can be accurately and efficiently obtained, and the accuracy and the efficiency of resource transfer are further ensured.

The foregoing embodiment mainly introduces a process in which a node device in a blockchain system calculates a deduction value of a target user to complete resource transfer, for a family to which the target user belongs, the blockchain system may further generate a deduction proportion of each family member in the family to reduce a total tax payment value of the family, fig. 7 is a flowchart of a method for generating a deduction value of a family member provided in an embodiment of the present application, and referring to fig. 7, the method may specifically include the following steps:

701. and the first node equipment acquires the identity of the family member of the target user based on the withholding request.

In a possible implementation manner, the deduction request may carry an identity of the target user, and the first node device may query, on the basis of the identity of the target user, family information of the target user on the block chain, and obtain the identity of each family member in the family information.

In one possible implementation, the first node device may provide the target user with an identification of at least one family member, specifically, the target user may initiate a withhold request on any client device, which may be displayed with a request initiation page, the request initiation page may include an identity information input area, where the target user may enter an identity of at least one family member, the client device detects the triggering operation of the target user on the confirmation control, can acquire at least one identity identifier in the identity information input area, generates a deduction request based on the at least one identity identifier, sends the deduction request to the first node device, the first node device may obtain an identity of at least one family member carried in the withholding request.

702. And the first node equipment acquires second data of the family member from the block chain of the block chain system based on the identity of the family member and the target deduction item.

The process of acquiring the second data of the family member is the same as the process of acquiring the first data of the target user in step 304, and is not described herein again.

703. The first node device determines a partial deduction value of the family member based on the first data, the second data and the deduction limit corresponding to the target deduction item.

In a possible implementation manner, the first node device may compare the first data and the second data with the target deduction condition, and when the first data and the second data meet the target deduction condition, the first node device may determine a partial deduction value of the family member based on a deduction amount corresponding to the target deduction item.

In this embodiment, the first node device may obtain the deduction item corresponding to the family member and the deduction proportion corresponding to the deduction item, and determine a partial deduction value of the family member based on the deduction value of the family member, the deduction item and the deduction proportion corresponding to the deduction item. In a possible implementation manner, the request initiation page may include a deduction information input area, and the target user may input a deduction item and a deduction proportion of the family member in the deduction information input area, for example, the deduction item corresponding to the family member may be child education, and the deduction proportion may be 50%, the deduction request received by the first node device may carry the family member identity, the deduction item, and the deduction proportion, and the first node device may calculate a partial deduction value of the family member after determining that the first data and the second data meet the target deduction condition, for example, when the deduction amount corresponding to the child education is 1000, the family member may deduct 50%, and the deduction value of the family member is 500.

In a possible implementation manner, the deduction proportion corresponding to each family member may be further generated by the first node device based on income information of each family member and a tax policy, specifically, the first node device may obtain first income information of the target user and second income information of the family member, calculate total family tax values corresponding to different deduction proportions based on the first income information, the second income information, the deduction amount corresponding to the target deduction item, and tax standards corresponding to different income information, and obtain the deduction proportion corresponding to each family member corresponding to the minimum total tax value.

The income information of each family member may be provided by the target user, or may be obtained from the blockchain by the first node device based on the identity of each family member, which is not specifically limited in this embodiment of the present application.

In this embodiment, the first node device may determine a family remaining deduction value based on the deduction value of the family member and the partial deduction value of the family member, and store the family remaining deduction value to the block chain of the block chain system. The process of storing the remaining family withholding value to the block chain is the same as the process of storing the withholding condition to the block chain in step 301, and will not be described herein again.

In the process of calculating the deduction value of the family members, the block chain system distributes the deduction amount based on the data stored in the block chain, including income information and consumption information of each family member, applicable tax policies and the like, so that the lowest tax payment value of the family can be obtained, and the deduction proportion among the family members is ensured to be optimal.

All the above optional technical solutions may be combined arbitrarily to form optional embodiments of the present application, and are not described herein again.

Fig. 8 is a schematic structural diagram of a resource transfer apparatus based on a block chain according to an embodiment of the present application, and referring to fig. 8, the apparatus includes:

a condition obtaining module 801, configured to obtain a target deduction condition from the block chain of the block chain system based on a deduction request of a target user, where the target deduction condition includes a target deduction item and a deduction amount corresponding to the target deduction item;

a first data obtaining module 802, configured to obtain first data from the block chain of the block chain system based on the identity of the target user and the target deduction item, where the first data corresponds to the identity and belongs to the target deduction item;

a deduction value determining module 803, configured to determine a deduction value of the target user based on the first data and a deduction amount corresponding to the target deduction item;

a resource transfer module 804, configured to store the deduction value in a block chain of the block chain system, and execute a resource transfer step by the block chain system based on the deduction value.

In one possible implementation, the condition obtaining module 801 is configured to:

In one possible implementation, the apparatus further includes:

The device provided by the embodiment of the application acquires the target deduction condition from the block chain through the deduction request based on the target user, obtaining first data from the block chain according to the target deduction item in the target deduction condition and the identity of the target user, determining the deduction value of the target user based on the first data and the deduction limit of each deduction item in the target deduction condition, completing resource transfer based on the deduction value, and using the resource transfer device, the block chain system automatically obtains the user data of the target user from the block chain according to the deduction condition without the user providing relevant information, because the data stored in the block chain can not be tampered, the reality and the effectiveness of the acquired user data can be effectively ensured, thereby ensuring the accuracy of the calculated deduction value and ensuring the accuracy of the resource transfer result.

It should be noted that: in the resource transfer device based on the block chain according to the foregoing embodiment, only the division of the functional modules is illustrated in the foregoing, and in practical applications, the above function allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the functions described above. In addition, the resource transfer device based on the block chain provided in the foregoing embodiments and the resource transfer method based on the block chain belong to the same concept, and details of a specific implementation process thereof are referred to in the method embodiments and are not described herein again.

The computer device provided by the above technical solution can be implemented as a terminal or a server, for example, fig. 9 is a schematic structural diagram of a terminal provided in the embodiment of the present application. The terminal 900 may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3), an MP4 player (Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4), a notebook computer, or a desktop computer. Terminal 900 may also be referred to by other names such as user equipment, portable terminals, laptop terminals, desktop terminals, and the like.

In general, terminal 900 includes: one or more processors 901 and one or more memories 902.

Processor 901 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 901 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 901 may also include a main processor and a coprocessor, where the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 901 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 901 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 902 may include one or more computer-readable storage media, which may be non-transitory. The memory 902 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in the memory 902 is used for storing at least one program code for execution by the processor 901 to implement the method for resource transfer based on a blockchain provided by the method embodiments of the present application.

In some embodiments, terminal 900 can also optionally include: a peripheral interface 903 and at least one peripheral. The processor 901, memory 902, and peripheral interface 903 may be connected by buses or signal lines. Various peripheral devices may be connected to the peripheral interface 903 via a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 904, a display screen 905, a camera assembly 906, an audio circuit 907, a positioning assembly 908, and a power supply 909.

The peripheral interface 903 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 901 and the memory 902. In some embodiments, the processor 901, memory 902, and peripheral interface 903 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 901, the memory 902 and the peripheral interface 903 may be implemented on a separate chip or circuit board, which is not limited by this embodiment.

The Radio Frequency circuit 904 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 904 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 904 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 904 comprises: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 904 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 904 may also include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 905 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 905 is a touch display screen, the display screen 905 also has the ability to capture touch signals on or over the surface of the display screen 905. The touch signal may be input to the processor 901 as a control signal for processing. At this point, the display 905 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 905 may be one, providing the front panel of the terminal 900; in other embodiments, the number of the display panels 905 may be at least two, and each of the display panels is disposed on a different surface of the terminal 900 or is in a foldable design; in some embodiments, the display 905 may be a flexible display disposed on a curved surface or a folded surface of the terminal 900. Even more, the display screen 905 may be arranged in a non-rectangular irregular figure, i.e. a shaped screen. The Display panel 905 can be made of LCD (liquid crystal Display), OLED (Organic Light-Emitting Diode), and the like.

The camera assembly 906 is used to capture images or video. Optionally, camera assembly 906 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 906 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

Audio circuit 907 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 901 for processing, or inputting the electric signals to the radio frequency circuit 904 for realizing voice communication. For stereo sound acquisition or noise reduction purposes, the microphones may be multiple and disposed at different locations of the terminal 900. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 901 or the radio frequency circuit 904 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, audio circuit 907 may also include a headphone jack.

The positioning component 908 is used to locate the current geographic Location of the terminal 900 for navigation or LBS (Location Based Service). The positioning component 908 may be a positioning component based on the GPS (global positioning System) of the united states, the beidou System of china, the graves System of russia, or the galileo System of the european union.

Power supply 909 is used to provide power to the various components in terminal 900. The power source 909 may be alternating current, direct current, disposable or rechargeable. When power source 909 comprises a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, terminal 900 can also include one or more sensors 910. The one or more sensors 910 include, but are not limited to: acceleration sensor 911, gyro sensor 912, pressure sensor 913, fingerprint sensor 914, optical sensor 915, and proximity sensor 916.

The acceleration sensor 911 can detect the magnitude of acceleration in three coordinate axes of the coordinate system established with the terminal 900. For example, the acceleration sensor 911 may be used to detect the components of the gravitational acceleration in three coordinate axes. The processor 901 can control the display screen 905 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 911. The acceleration sensor 911 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 912 may detect a body direction and a rotation angle of the terminal 900, and the gyro sensor 912 may cooperate with the acceleration sensor 911 to acquire a 3D motion of the user on the terminal 900. The processor 901 can implement the following functions according to the data collected by the gyro sensor 912: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensor 913 may be disposed on a side bezel of the terminal 900 and/or underneath the display 905. When the pressure sensor 913 is disposed on the side frame of the terminal 900, the user's holding signal of the terminal 900 may be detected, and the processor 901 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 913. When the pressure sensor 913 is disposed at a lower layer of the display screen 905, the processor 901 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 905. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 914 is used for collecting a fingerprint of the user, and the processor 901 identifies the user according to the fingerprint collected by the fingerprint sensor 914, or the fingerprint sensor 914 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, processor 901 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings, etc. The fingerprint sensor 914 may be disposed on the front, back, or side of the terminal 900. When a physical key or vendor Logo is provided on the terminal 900, the fingerprint sensor 914 may be integrated with the physical key or vendor Logo.

The optical sensor 915 is used to collect ambient light intensity. In one embodiment, the processor 901 may control the display brightness of the display screen 905 based on the ambient light intensity collected by the optical sensor 915. Specifically, when the ambient light intensity is high, the display brightness of the display screen 905 is increased; when the ambient light intensity is low, the display brightness of the display screen 905 is reduced. In another embodiment, the processor 901 can also dynamically adjust the shooting parameters of the camera assembly 906 according to the ambient light intensity collected by the optical sensor 915.

Proximity sensor 916, also known as a distance sensor, is typically disposed on the front panel of terminal 900. The proximity sensor 916 is used to collect the distance between the user and the front face of the terminal 900. In one embodiment, when the proximity sensor 916 detects that the distance between the user and the front face of the terminal 900 gradually decreases, the processor 901 controls the display 905 to switch from the bright screen state to the dark screen state; when the proximity sensor 916 detects that the distance between the user and the front surface of the terminal 900 gradually becomes larger, the display 905 is controlled by the processor 901 to switch from the breath screen state to the bright screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 9 does not constitute a limitation of terminal 900, and may include more or fewer components than those shown, or may combine certain components, or may employ a different arrangement of components.

Fig. 10 is a schematic structural diagram of a server according to an embodiment of the present application, where the server 1000 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 1001 and one or more memories 1002, where the one or more memories 1002 store at least one program code, and the at least one program code is loaded and executed by the one or more processors 1001 to implement the methods provided by the foregoing method embodiments. Of course, the server 1000 may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input and output, and the server 1000 may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, a computer readable storage medium, such as a memory including at least one program code, which is executable by a processor to perform the method for block chain based resource transfer in the above embodiments, is also provided. For example, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It will be understood by those skilled in the art that all or part of the steps of implementing the above embodiments may be implemented by hardware, or implemented by at least one program code associated with hardware, where the program code is stored in a computer readable storage medium, such as a read only memory, a magnetic or optical disk, etc.

The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A resource transfer method based on a block chain is applied to any node device in a block chain system, and the method comprises the following steps:

determining a deduction value of the target user based on the first data and a deduction limit corresponding to the target deduction item;

storing the deduction value on a block chain of the block chain system, and executing the step of resource transfer by the block chain system based on the deduction value.

2. The method according to claim 1, wherein the target deduction conditions belong to target classes, and at least one deduction condition in the target classes carries the same class identifier.

3. The method of claim 2, wherein obtaining the target withholding condition from the blockchain of the blockchain system comprises:

obtaining at least one deduction condition from a block chain of the block chain system based on the category identification, wherein one deduction condition corresponds to a starting time and a cut-off time;

and determining the deduction condition that the starting time is less than the current time and the stopping time is greater than the current time as the target deduction condition.

4. The method of claim 1, wherein prior to obtaining the first data from the blockchain of the blockchain system, the method further comprises:

generating data records based on user behavior of the target user, one of the data records corresponding to one of the data categories;

and storing the data record to a block chain of the block chain system based on a consensus mechanism.

5. The method of claim 1, wherein before determining the deduction value of the target user based on the first data and the deduction amount corresponding to the target deduction item, the method further comprises:

acquiring the identity of the family member of the target user;

acquiring second data of the family member from a block chain of the block chain system based on the identity of the family member and the target deduction item;

and determining a partial deduction value of the family member based on the first data, the second data and the deduction limit corresponding to the target deduction item.

6. The method of claim 5, wherein determining the withholding value of the family member based on the first data, the second data and the withholding amount corresponding to the target withholding item comprises:

and determining partial deduction values of the family members based on the first data, the second data, the deduction amount corresponding to the deduction items and the deduction proportion corresponding to the deduction items.

7. The method of claim 6, wherein after determining the partial deduction value for the family member, the method further comprises:

determining a family residual deduction value based on the deduction value of the family member and the partial deduction value of the family member;

and storing the family residual deduction value to a block chain of the block chain system.

8. An apparatus for resource transfer based on a blockchain, the apparatus being applied to any node device in a blockchain system, the apparatus comprising:

the condition acquisition module is used for acquiring a target deduction condition from a block chain of the block chain system based on a deduction request of a target user, wherein the target deduction condition comprises a target deduction item and a deduction limit corresponding to the target deduction item;

9. A computer device comprising one or more processors and one or more memories having stored therein at least one program code, the at least one program code loaded into and executed by the one or more processors to perform operations performed by the blockchain based resource transfer method of any one of claims 1 to 7.

10. A computer-readable storage medium having at least one program code stored therein, the at least one program code being loaded and executed by a processor to perform operations performed by the blockchain based resource transfer method of any one of claims 1 to 7.