CN112767169A

CN112767169A - Block chain-based fund transaction processing method and device, electronic equipment and medium

Info

Publication number: CN112767169A
Application number: CN202110213586.XA
Authority: CN
Inventors: 张杨; 花学周; 刘珩; 张湘
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-02-25
Filing date: 2021-02-25
Publication date: 2021-05-07
Anticipated expiration: 2041-02-25
Also published as: CN112767169B

Abstract

The present disclosure provides a method for processing a fund transaction based on a blockchain, wherein a first account is created on a blockchain network. The method comprises the following steps: and when the first account receives a request for a fund flow service, sending a broadcast of the fund flow service to the blockchain network, wherein the broadcast comprises the attribute information of the first account and the fund flow information. And receiving a verification result of the block chain network on the basis of preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account. And when the verification result shows that the fund flow-out information accords with the fund flow-out right, executing the fund flow-out service to perform fund transaction. The disclosure also provides a block chain-based fund transaction processing device, an electronic device and a storage medium.

Description

Block chain-based fund transaction processing method and device, electronic equipment and medium

Technical Field

The present disclosure relates to the field of blockchain technologies, and in particular, to a method and an apparatus for processing a fund transaction based on a blockchain, an electronic device, and a storage medium.

Background

The supervision of capital flow has important significance for maintaining the economic order of the market, guaranteeing public interests, preventing fraudulent activities or avoiding excessive capital concentration in a certain industry and the like. For example, related policies prohibit the business loan from flowing into the real estate field to conduct real estate transactions, so that the flow of the business loan needs to be tracked to avoid the loan being used for purchasing real estate. Currently, the same financial institution may track and manage the flow of funds between internal accounts.

In the course of implementing the disclosed concept, the inventors found that there are at least the following problems in the prior art:

the routing and trading of funds moving between accounts of different financial institutions cannot be effectively tracked.

Disclosure of Invention

In view of the above, embodiments of the present disclosure provide a fund transaction processing method capable of implementing fund tracking between different financial institutions based on a blockchain network, and a processing apparatus, an electronic device, and a storage medium.

One aspect of the disclosed embodiments provides a method for processing a fund transaction based on a blockchain, wherein a first account is created on a blockchain network. The method comprises the following steps: when the first account receives a request for a fund flow service, sending a broadcast of the fund flow service to the blockchain network, wherein the broadcast comprises attribute information of the first account and the fund flow information; receiving a verification result of the block chain network on the basis of preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account; and when the verification result shows that the fund flow-out information accords with the fund flow-out right, executing the fund flow-out service to perform fund transaction.

According to an embodiment of the present disclosure, the corresponding relationship between the fund flow-out authority and the attribute information of the first account includes: presetting at least one first fund usage after the fund of the first account flows out based on the attribute information of the first account; setting the funds outflow authority based on the at least one first funds usage.

According to an embodiment of the present disclosure, the setting of the fund outflow authority includes: assigning a first use identification to each of the at least one first fund use; storing all the first use identifications to the blockchain network so as to set the fund outflow authority.

According to an embodiment of the present disclosure, the verifying the fund flow information by the blockchain network includes: calling the fund outflow authority based on the attribute information of the first account; and searching the first use identifier from the fund flow authority based on a second use identifier, wherein the fund flow information comprises the second use identifier.

According to an embodiment of the present disclosure, the verifying that the fund flow information conforms to the fund flow authority includes: and finding the first use identifier matched with the second use identifier.

According to an embodiment of the present disclosure, the method further comprises storing information of the fund transaction to the blockchain network after the fund flow service is executed.

According to an embodiment of the present disclosure, the attribute information of the first account includes: at least one of a first user identification, a first type identification and at least one first item identification.

According to an embodiment of the present disclosure, the fund flow information includes: the first item identification of the first fund in the fund flow business.

Another aspect of an embodiment of the present disclosure discloses a method for processing a fund transaction based on a blockchain, wherein a second account is created on a blockchain network. The method comprises the following steps: receiving a broadcast of funds inflow services flowing into the second account, wherein the broadcast includes attribute information of the second account and funds inflow information; receiving a verification result of the blockchain network on the basis of preset fund inflow authority on the fund inflow information, wherein the fund inflow authority has a corresponding relation with the attribute information of the second account; and when the verification result shows that the fund inflow information accords with the fund inflow right, executing the fund inflow service to perform fund transaction.

According to an embodiment of the present disclosure, the executing the funds inflow service to conduct the funds transaction includes: binding second funds in the fund inflow service with a second target identifier, wherein the fund inflow information comprises the second target identifier; and setting the fund outflow permission of the second account based on the second item identification.

According to an embodiment of the present disclosure, the having a correspondence relationship between the fund inflow authority and the attribute information of the second account includes: presetting at least one second fund usage of funds flowing into the second account based on the attribute information of the second account; setting the funds inflow authority based on the at least one second funds usage.

According to an embodiment of the present disclosure, the setting of the money inflow authority includes: assigning a third use identifier to each of the at least one second use of funds; storing all the third-purpose identifiers to the blockchain network to set the fund inflow authority.

According to an embodiment of the present disclosure, the verifying the money inflow information by the blockchain network includes: calling the fund inflow authority based on the attribute information of the second account; based on a fourth use identification, looking up the third use identification from the fund inflow authority, wherein the fund inflow information comprises the third use identification.

According to an embodiment of the present disclosure, the verifying that the fund inflow information conforms to the fund inflow authority includes: and finding the third application identifier matched with the fourth application identifier.

According to an embodiment of the present disclosure, the method further comprises storing information of the funds transaction to the blockchain network after performing the funds inflow service.

According to an embodiment of the present disclosure, the attribute information of the second account includes: at least one of a second user identification, a second type identification, and at least one third item identification.

Another aspect of the disclosed embodiments is a blockchain based funds transaction processing apparatus in which a first account is created on a blockchain network. The device comprises a service broadcasting module, a first receiving module and a first executing module. The service broadcasting module is configured to send a broadcast of the fund flow-out service to the blockchain network when the first account receives a request for the fund flow-out service, where the broadcast includes attribute information of the first account and the fund flow-out information. The first receiving module is used for receiving a verification result of the blockchain network on the basis of a preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account. The first execution module is used for executing the fund flow-out service to perform fund transaction when the verification result shows that the fund flow-out information accords with the fund flow-out right.

Another aspect of the disclosed embodiments provides a blockchain-based funds transaction processing apparatus in which a second account is created on a blockchain network. The device comprises a second receiving module, a third receiving module and a second executing module. The second receiving module is configured to receive a broadcast of a fund flow service flowing into the second account, where the broadcast includes attribute information of the second account and fund flow information. The third receiving module is used for the blockchain network to verify the fund inflow information based on preset fund inflow authority, wherein the fund inflow authority has a corresponding relation with the attribute information of the second account. The second execution module is used for executing the fund inflow service to perform fund transaction when the verification result shows that the fund inflow information accords with the fund inflow right.

Another aspect of the disclosed embodiments provides an electronic device. The electronic device includes a storage, and one or more processors. The storage device has one or more programs stored thereon. The processor executes the instructions to implement the method as described above.

Another aspect of the embodiments of the present disclosure provides a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, cause the processor to perform the method as described above.

Yet another aspect of an embodiment of the present disclosure provides a computer program product comprising computer programs/instructions which, when executed by a processor, implement the method as described above.

One or more of the above-described embodiments may provide the following advantages or benefits:

according to the embodiment of the disclosure, the problems that the moving direction of funds and the transaction condition of the funds moving among accounts of different financial institutions cannot be effectively tracked can be at least partially solved, and by creating the first user on the blockchain network, when the verification result of the blockchain network shows that the fund flow-out information accords with the fund flow-out right, the fund flow-out service is executed to conduct fund transaction, so that the fund flow can be effectively tracked, the fund use is regulated, and the safety and the transparency of the funds are ensured.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically shows an exemplary system architecture to which a funding transaction processing method may be applied, according to an embodiment of the disclosure;

FIG. 2 schematically illustrates a flow diagram of a blockchain-based funds transaction processing method in accordance with an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart for setting funds outflow authority in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart for setting funds outflow authority in accordance with yet another embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow diagram for verifying the funds outflow information, in accordance with an embodiment of the present disclosure;

FIG. 6 schematically illustrates a flow diagram of a blockchain-based funds transaction processing method according to yet another embodiment of the present disclosure;

FIG. 7 schematically shows a flow diagram of a funds transaction processing method according to another embodiment of the present disclosure;

FIG. 8 schematically illustrates a flow chart for setting funds inflow privileges according to an embodiment of the present disclosure;

FIG. 9 schematically illustrates a flow chart for setting funds inflow authority according to another embodiment of the present disclosure;

FIG. 10 schematically illustrates a flow diagram for verifying the funds inflow information according to yet another embodiment of the present disclosure;

FIG. 11 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus according to an embodiment of the present disclosure;

FIG. 12 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus according to yet another embodiment of the present disclosure;

FIG. 13 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus according to another embodiment of the present disclosure;

FIG. 14 schematically illustrates a composition diagram of identifying on-chain user modules, in accordance with an embodiment of the present disclosure;

FIG. 15 schematically illustrates a composition diagram of a set-purpose account usage scope module, according to an embodiment of the disclosure;

FIG. 16 schematically illustrates a schematic diagram of a usage matching module, according to an embodiment of the present disclosure;

FIG. 17 schematically shows a schematic diagram of a funds transaction verification failure according to an embodiment of the present disclosure;

FIG. 18 schematically shows a schematic diagram of the successful verification of a funds transaction according to an embodiment of the present disclosure;

FIG. 19 schematically shows a flow diagram of an application funding transaction processing method according to another embodiment of the present disclosure; and

FIG. 20 schematically illustrates a block diagram of a computer system suitable for implementing the blockchain-based funds transaction processing method and apparatus according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The present disclosure provides a method for processing a fund transaction based on a blockchain, wherein a first account is created on a blockchain network. The method comprises the following steps: and when the first account receives the application of the fund flow business, sending a broadcast of the fund flow business to the blockchain network, wherein the broadcast comprises the attribute information of the first account and the fund flow information. And receiving a verification result of the block chain network on the basis of preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account. And when the verification result shows that the fund flow-out information accords with the fund flow-out authority, executing the fund flow-out service to perform the fund transaction.

FIG. 1 schematically shows an exemplary system architecture 100 to which a funding transaction processing method may be applied, according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, a system architecture 100 according to this embodiment may include

nodes

101, 102, 103, 104 and a blockchain network 105. The blockchain network 105 may include different forms of public chains, private chains, and federation chains. The BlockChain (BlockChain) in the present disclosure may be, for example, a chained data structure. The blockchain technology is a distributed account book realized by using a blockchain, and is a technical scheme for collectively maintaining a reliable database in a decentralized and trust-removing mode. The blockchain includes three basic elements, namely: block (Block, which records Transaction and status results occurring within a period of time, and is a common consensus on the current account status), Chain (Chain, which is formed by connecting blocks in series according to the occurrence sequence, and is a log record of the whole status change), and Transaction (Transaction, which is a change of the account status due to one operation).

A user may use

nodes

101, 102, 103, 104 to interact with the blockchain network 105 to create accounts, conduct transactions, uplink information, etc.

Nodes

101, 102, 103, 104 may have installed thereon various communication client applications, such as a blockchain application, a shopping-type application, a web browser application, a search-type application, an instant messenger, a mailbox client, social platform software, etc. (by way of example only), it being noted that an account created on blockchain network 105 may have a money inflow or outflow function, or a function of an existing bank account or a function to be developed in the future.

Nodes

101, 102, 103, 104 may be various electronic devices having display screens and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The verification, storage, transmission and other processes of the data in the blockchain network 105 are all based on a distributed system architecture, each node (for example,

nodes

101, 102, 103, 104) maintains a complete record database, and rights and obligations are equal, and the data is transmitted point to point, stored together, updated and maintained by nodes of the whole network. Therefore, compared with the traditional network with the central integrated management, the block chain system establishes the information relationship among the distributed nodes, and the defect that the whole data network is paralyzed due to the fact that a single central is attacked does not exist.

The

nodes

101, 102, 103, 104 may be connected to a server, which may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

nodes

101, 102, 103, 104. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the node.

It should be noted that the fund transaction processing method provided by the embodiments of the present disclosure may be generally executed by the

nodes

101, 102, 103, and 104. Accordingly, the fund transaction processing apparatus provided by the embodiments of the present disclosure may be generally disposed in the

nodes

101, 102, 103, 104. The fund transaction processing method provided by the embodiment of the disclosure can also be executed by a server or a server cluster capable of communicating with the

nodes

101, 102, 103 and 104. Accordingly, the fund transaction processing device provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster capable of communicating with the

nodes

101, 102, 103, 104.

It should be understood that the nodes in fig. 1 are merely illustrative. There may be any number of nodes, as desired for implementation.

FIG. 2 schematically shows a flow diagram of a blockchain-based funds transaction processing method according to an embodiment of the present disclosure.

Referring to fig. 1 and 2, a first account is created on the blockchain network 105. As shown in fig. 2, the block chain-based fund transaction processing method may include operations S210 to S230.

In operation S210, when the first account receives a request for a funds outflow service, a broadcast of the funds outflow service is sent to the blockchain network, where the broadcast includes attribute information of the first account and the funds outflow information.

According to an embodiment of the present disclosure, referring to fig. 1,

nodes

101, 102, 103, 104 are deployed at bank a, bank B, bank C, and bank D, respectively, for example. The bank A, the bank B, the bank C and the bank D are connected with the self-managed nodes through application systems, and the self-managed nodes are accessed into the block chain network 105. The blockchain network 105 may be a blockchain alliance network. For example, an a-user may create a first account on blockchain network 105 through a-bank managed node 101.

According to an embodiment of the present disclosure, the attribute information of the first account may include: at least one of a first user identification, a first type identification and at least one first item identification. For example, the first user identifier may be a chinese name, pinyin, english name, etc. identifier of the user, the first type identifier may be a user type, for example, the a user may be a real estate development company, and the first type identifier is real estate. The account may also be a company account of a medical device manufacturing company, and the first type identifier is medical. The first account may have a plurality of first items, for example, a real estate development company may have a house construction item, a greening item, or a labor cost item, and each item may be assigned a first item identifier.

According to the embodiment of the disclosure, when the user needs to transfer out the funds in the first account, an application may be made at bank a to handle the funds transfer-out service, so that bank a performs related operations at node 101. The first account receives the request for the funds flow-out service and then sends a broadcast of the funds flow-out service to the blockchain network, wherein the broadcast may include the attribute information of the first account and the funds flow-out information.

According to an embodiment of the present disclosure, the funds outflow information includes a first item identification of first funds in the funds outflow service. In addition, the fund flow information may also include, for example, the use of the fund, target account information of the flow, and the like.

In operation S220, a result of verifying the fund flow information based on a preset fund flow authority by the blockchain network is received, where the fund flow authority has a corresponding relationship with the attribute information of the first account.

In operation S230, when the verification result indicates that the funds flow-out information conforms to the funds flow-out authority, a funds flow-out service is performed to conduct the funds transaction.

According to the embodiment of the disclosure, the fund flow authority of the first account can be preset on the blockchain network. And after the block chain network receives the broadcast of the fund flow business, verifying the fund flow information.

By using the fund transaction processing method of the embodiment of the disclosure, when the verification result of the block chain network shows that the fund outflow information accords with the fund outflow right, the fund outflow service is executed to perform fund transaction, so that the fund flow can be effectively tracked, the fund use is standardized, and the safety and transparency of the fund are ensured.

Fig. 3 schematically illustrates a flow chart for setting a funds outflow authority according to an embodiment of the present disclosure.

As shown in fig. 3, setting the money outflow authority may include operations S310 to S320.

At least one first fund use after the fund of the first account is flowed out is set in advance based on the attribute information of the first account in operation S310.

According to the embodiment of the disclosure, when a real estate development company creates a first account, for example, the purpose of fund outflow of the first account can be preset to be the purpose of relevant civil engineering, matching and the like of real estate development.

In operation S320, a fund outflow authority is set based on at least one first fund usage.

According to the embodiment of the disclosure, for example, when the first account performs each fund flow business, the usage of the fund flow needs to meet the preset usage range, and the target account of the flow needs to meet the relevant type.

By using the fund transaction processing method provided by the embodiment of the disclosure, the fund outflow authority of the first account is preset, the use of each fund outflow is limited according to the fund outflow authority, the fund outflow of the first account can be controlled, and the legal compliance use of the fund in the first account is ensured.

Fig. 4 schematically illustrates a flow chart for setting a money outflow authority according to still another embodiment of the present disclosure.

As shown in fig. 4, setting the fund outflow authority based on the at least one first fund usage may include operations S410 to S420.

In operation S410, a first use identifier is assigned to each of at least one first fund use.

In operation S420, all first-use identifications are stored to the blockchain network to set the money outflow authority.

According to an embodiment of the present disclosure, for example, the first usage identifier may be usage dictionary values to indicate a first account allowable funds liquidity range using usage dictionary values having a correspondence with each usage.

Specifically, for example, the identifier for the purpose of "building house" in the first account of the real estate development company may be set to "001", the identifier for the purpose of "cell greening" may be set to "002", and the identifier for the purpose of "labor cost" may be set to "003". After the setup is completed, "001", "002" and "003" are stored into the blockchain network to limit the use of each fund transfer by the first account to within the range of "001", "002" and "003". It should be noted that the usage scope and the identification form are only examples, and can be flexibly set according to a specific scene, and the present disclosure does not specifically limit the same.

FIG. 5 schematically shows a flow diagram for verifying funds-outflow information, in accordance with an embodiment of the present disclosure.

As shown in fig. 5, verifying the money flow-out information may include operations S510 to S520.

In operation S510, a fund outflow authority is invoked based on the attribute information of the first account.

According to an embodiment of the present disclosure, a first account of, for example, a real estate development company sends a funding outflow service broadcast to a blockchain network, where the broadcast includes a first user identification, a first type identification, and a first item identification for the first account. Wherein a unique key may be generated for each first item identifier, the first user identifier and the first type identifier using a hash algorithm (for example only). The funds outflow authority may then be invoked in accordance with the key value.

In operation S520, a first use identifier is searched for from the fund outflow authority based on a second use identifier, wherein the fund outflow information includes the second use identifier.

According to an embodiment of the disclosure, the verification result indicating that the fund flow information conforms to the fund flow authority includes finding a first use identifier matching a second use identifier.

According to an embodiment of the present disclosure, for example, if the fund flow service is used to purchase building materials for building a house, then the second use identifier "001-1" may be included in the broadcast. Since the first account has funds outflow authority of "001", "002" and "003". Therefore, the matching with the '001-1' can be found based on the '001-1', and the '001' is put in, which indicates that the fund flow information conforms to the fund flow authority of the first account (namely, the fund flow information can be used for building a house). It should be noted that, the specific matching rule can be flexibly set, and the disclosure does not specifically limit the matching rule.

According to the embodiment of the present disclosure, for example, each node may perform the above-described verification process, and feed back a verification result. When the number of nodes successfully verified meets a certain proportion, the first account may be made to conduct a fund transaction.

According to an embodiment of the disclosure, after executing the fund flow service, information of the fund transaction is stored to the blockchain network.

Fig. 6 schematically shows a flowchart of a block chain-based fund transaction processing method according to still another embodiment of the present disclosure.

Referring to fig. 1 and 6, a second account is created on the blockchain network 105. As shown in fig. 6, the block chain-based fund transaction processing method may include operations S610 to S630.

In operation S610, a broadcast of a money inflow service flowing into a second account is received, wherein the broadcast includes attribute information of the second account and money inflow information.

According to an embodiment of the present disclosure, referring to fig. 1, for example, a B-user may create a second account on blockchain network 105 through node 102 managed by B-bank.

According to an embodiment of the present disclosure, the attribute information of the second account may include at least one of a second user identification, a second type identification, and at least one third item identification. For example, the B-user may be a building materials sales company that creates a second account at bank B. The second user identifier may be a user name (e.g., chinese or english, etc.) customized for the company, and the second type identifier may be a building material. Meanwhile, the second account may include a plurality of third items, such as a raw material purchase item, a labor cost item, a steel bar sales item, or a cement sales item, wherein each third item may be assigned a third item identifier.

According to an embodiment of the present disclosure, for example, the C user may be a construction engineering contract company, which may create a second account with the node 103 managed by the C bank. The second user identification of the second account may be a construction project contract company related name and the second type identification may be a construction worker. Meanwhile, the company may include a plurality of third items, such as a building construction item, a labor expense item, a construction machine purchase item, and the like. Wherein each third item may be assigned a third item identification.

According to the embodiment of the disclosure, a real estate development company conducts fund transaction to a second account of a construction engineering contractor by using a first account. First, a first account sends out a funding outflow service broadcast to a blockchain network. Since the second account is also on the blockchain network and the second account is managed by node 103 of bank C. Thus, the second account will receive a corresponding funds inflow service broadcast. The broadcast includes attribute information for the second account and funds inflow information.

In operation S620, a result of verifying the fund inflow information based on a preset fund inflow authority by the blockchain network is received, where the fund inflow authority has a corresponding relationship with the attribute information of the second account.

In operation S630, when the verification result indicates that the money inflow information conforms to the money inflow right, a money inflow service is performed to conduct a money transaction.

According to the embodiment of the disclosure, the fund inflow authority of the second account can be preset on the blockchain network. After receiving the broadcast of the funds inflow service, the funds inflow information is verified.

By using the fund transaction processing method of the embodiment of the disclosure, when the verification result of the block chain network shows that the fund inflow information accords with the fund inflow right, the fund inflow service is executed to perform fund transaction, so that the fund flow can be effectively tracked, the fund use is standardized, and the safety and transparency of the fund are ensured.

FIG. 7 schematically shows a flow diagram of a funds transaction processing method according to another embodiment of the present disclosure.

As shown in fig. 7, the fund transaction processing method may further include operations S710 to S720 in addition to operations S610 to S620, wherein performing the fund inflow service to perform the fund transaction in operation S630.

In operation S710, second funds in the funds inflow service are bound to a second item identifier, wherein the funds inflow information includes the second item identifier.

In operation S720, a fund outflow authority of the second account is set based on the second item identification.

According to embodiments of the present disclosure, a real estate development company, for example, is to subcontract a construction project for deck B to a construction project contractor. When the first account of the real estate development company conducts fund transaction to the second account of the contract company, the fund inflow information received by the second account comprises the identification that the fund belongs to the B-floor construction project. And after the second account successfully receives the fund, binding the fund with the identifier of the B-floor construction project, and setting that the use of the fund flowing out of the second account can only be used for the B-floor construction project.

By using the fund transaction processing method of the embodiment of the disclosure, the inflow fund of the second account can be bound with the item, so that the fund outflow authority of the second account can be dynamically set in the process of using the second account to perform fund transaction, and even if the fund flows in a plurality of accounts, the fund supervision can be clearly and transparently performed.

Fig. 8 schematically shows a flowchart for setting a money inflow authority according to an embodiment of the present disclosure.

As shown in fig. 8, setting the money inflow authority may include operations S810 to S820.

At operation S810, at least one second fund use of funds flowing into the second account is preset based on the attribute information of the second account.

According to the embodiment of the present disclosure, for example, when the construction project contract company creates the second account, the usage of the fund inflow of the second account may be preset to the usage of the house construction-related civil engineering, the machine purchase, the labor service, and the like.

In operation S820, a money inflow authority is set based on at least one second money usage.

According to the embodiment of the present disclosure, for example, when the second account performs each money inflow service, the usage of the money inflow can conform to the preset usage range (i.e., the range of the money inflow authority).

By using the fund transaction processing method provided by the embodiment of the disclosure, the fund inflow permission of the second account is preset, the purpose of each fund inflow is limited according to the fund inflow permission, the fund inflow of the second account can be controlled, and the second account is ensured to receive legally compliant funds.

Fig. 9 schematically shows a flowchart of setting a money inflow authority according to another embodiment of the present disclosure.

As shown in fig. 9, setting the money inflow authority based on at least one second money use in operation S820 may include operations S910 to S920.

In operation S910, a third use identifier is assigned to each of the at least one second fund use.

In operation S920, all third use identifiers are stored to the blockchain network to set the money inflow authority.

According to the embodiment of the disclosure, the second account created by the construction engineering contractor is taken as an example. For example, the third use identifier may be a use dictionary value to indicate that the second account allows the money inflow range using a use dictionary value having a correspondence with each inflow use.

For example, the identifier for "building construction" use may be set to the dictionary value of "004", the identifier for "equipment purchase" use may be set to the dictionary value of "005", and the identifier for "demolition of old building" use may be set to the dictionary value of "006". Dictionary values "004", "005", and "006" are stored into the blockchain network after the setup is completed. The use in each fund transaction for the second account should then be within the scope of "004", "005" and "006". It should be noted that the usage scope and the identification form are only examples, and can be flexibly set according to a specific scene, and the present disclosure does not specifically limit the same.

FIG. 10 schematically illustrates a flow diagram for verifying funds inflow information according to yet another embodiment of the present disclosure.

As shown in fig. 10, verifying the money inflow information may include operations S1010 to S1020.

In operation S1010, a fund inflow authority is invoked based on the attribute information of the second account.

In operation S1020, a third use identifier is looked up from the funds inflow authority based on the fourth use identifier, wherein the funds inflow information includes the third use identifier.

According to an embodiment of the disclosure, the verification result indicating that the fund inflow information conforms to the fund inflow authority includes finding a third use identifier that matches the fourth use identifier.

According to an embodiment of the present disclosure, for example, the blockchain network may invoke the funds inflow authority of "004", "005", and "006" thereof according to the attribute information of the second account. When the fourth use of the money flow service is identified as "005-1" (e.g., for purchase of a tower crane), a match of "005" may be found, indicating that the verification is passed.

According to the embodiment of the present disclosure, for example, each node may perform the above-described verification process, and feed back a verification result. And when the number of the successfully verified nodes meets a certain proportion, enabling the second account to conduct fund transaction.

According to an embodiment of the present disclosure, after the money inflow service is performed, information of the money transaction is stored to the blockchain network.

Fig. 11 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus 1100 according to an embodiment of the present disclosure. Wherein a first account is created on the blockchain network.

As shown in fig. 11, the block chain-based funds transaction processing apparatus 1100 may include a service broadcasting module 1110, a first receiving module 1120, and a first executing module 1130.

The service broadcasting module 1110 may perform operation S210, for example, to send a broadcast of the funds outflow service to the blockchain network when the first account receives an application for the funds outflow service, where the broadcast includes the attribute information of the first account and the funds outflow information.

The first receiving module 1120 may perform operation S220, for example, to receive a verification result of the blockchain network on the fund flow information based on a preset fund flow authority, where the fund flow authority has a corresponding relationship with the attribute information of the first account.

The first execution module 1130 may execute operation S230, for example, to execute the money flow business to perform the money transaction when the verification result indicates that the money flow information conforms to the money flow authority.

According to an embodiment of the present disclosure, the attribute information of the first account includes at least one of a first user identifier, a first type identifier, and at least one first item identifier.

According to an embodiment of the present disclosure, the funds outflow information includes a first item identification of first funds in the funds outflow service.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1100 may further include a first authority module, which may perform, for example, operations S310 to S320, for presetting at least one first fund usage after the fund of the first account flows out, based on the attribute information of the first account. And setting the fund flow authority based on the at least one first fund usage.

According to an embodiment of the present disclosure, the fund transaction processing device 1100 may further include an outflow authority module, for example, the outflow authority module may perform operations S410 to S420, for allocating a first use identifier to each of the at least one first fund use. All first use identifiers are stored to the blockchain network to set the fund outflow authority.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1100 may further include a first verification module, which may perform operations S510 to S520, for example, to invoke the fund flow authority based on the attribute information of the first account, and search for the first use identifier from the fund flow authority based on the second use identifier, where the fund flow information includes the second use identifier.

Fig. 12 schematically shows a block diagram of a blockchain-based funds transaction processing apparatus 1200 according to yet another embodiment of the present disclosure. Wherein a second account is created on the blockchain network.

As shown in fig. 12, the block chain-based funds transaction apparatus 1200 may include a second receiving module 1210, a third receiving module 1220, and a second executing module 1230.

The second receiving module 1210 may perform operation S610, for example, for receiving a broadcast of the money inflow service flowing into the second account, wherein the broadcast includes the attribute information of the second account and the money inflow information.

The third receiving module 1220 may, for example, perform operation S620 for receiving a verification result of the blockchain network on the fund flow information based on a preset fund flow authority, where the fund flow authority has a corresponding relationship with the attribute information of the second account.

The second performing module 1230 may perform operation S630, for example, to perform a money inflow service to perform a money transaction when the verification result indicates that the money inflow information conforms to the money inflow right.

According to an embodiment of the present disclosure, the attribute information of the second account includes at least one of a second user identification, a second type identification, and at least one third item identification.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1200 may further include an identification binding module, which may perform operations S710 to S720, for example, to bind a second fund in the fund inflow service with a second item identifier, wherein the fund inflow information includes the second item identifier. And setting the fund outflow authority of the second account based on the second item identification.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1200 may further include a second authority module, which may perform operations S810 to S820, for example, for presetting at least one second fund usage after the fund of the second account flows in, based on the attribute information of the second account. And setting a fund inflow authority based on the at least one second fund usage.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1200 may further include an inflow authority module, for example, the inflow authority module may perform operations S910 to S920, for allocating a third use identifier to each of the at least one second fund use. All third-purpose identifiers are stored to the blockchain network to set the fund inflow authority.

According to an embodiment of the present disclosure, the fund transaction processing apparatus 1200 may further include a second verification module, which may perform operations S1010 to S1020, for example, for invoking the fund inflow authority based on the attribute information of the second account. And searching a third use identifier from the fund inflow authority based on the fourth use identifier, wherein the fund inflow information comprises the third use identifier.

Fig. 13 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus 1300 according to another embodiment of the present disclosure. Wherein a first account and a second account are created on the blockchain network.

As shown in fig. 13, the fund transaction processing apparatus 1300 may comprise an identify linked user module 1310, a set usage account usage scope module 1320, a usage account fund flow uplink module 1330, and a usage account transaction information monitoring module 1340.

The identify on-chain user module 1310 may be used to create a first account or a second account. In particular, the purpose account (e.g., including the first account or the second account) may be an alphanumeric combination, with the account identification, the purpose identification (e.g., may include the first type identification or the second type identification), and the project identification combined into a unique project purpose account. The account and the purpose identification are in one-to-one correspondence, and a plurality of items can exist. Taking the real estate account as an example, the account is identified as owned by the real estate company, and the account, the purpose and the specific item are combined into a unique item purpose account (account + real estate A item).

Fig. 14 schematically illustrates a component diagram of an identify on-chain user module 1310 according to an embodiment of the disclosure.

As shown in fig. 14, the identification chain user module 1310 may be used to identify a component of the usage account, and may include an account unique identifier, a usage unique identifier, and an item identifier, where the item identifier may correspond to a plurality of identifiers, such as an item 1 unique identifier and an item 2 unique identifier.

The set usage account usage scope module 1320 may be used to configure the usage account's funds inflow or outflow privileges. The usage of the usage account is realized by distributing corresponding data dictionary values, and the dictionary values can be adjusted when the usage is changed so as to limit the usage range (i.e. usage authority) of the usage account, thereby controlling the inflow or outflow of funds in the corresponding usage range, otherwise, the transaction fails.

Fig. 15 schematically illustrates a component diagram of the set-purpose account usage scope module 1320, according to an embodiment of the present disclosure.

As shown in fig. 15, the set usage account usage scope module 1320 may be used to identify usage dictionary values for each usage account that may be transacted during the influx and efflux of funds to set a transaction scope for each usage account. The usage scope setting module 1320 may include a usage list, and the usage list may include a fund inflow right and a fund outflow right of the usage account, for example, the fund inflow right may include a usage 1 data dictionary value and a usage 2 data dictionary value, and the fund outflow right may include a usage 3 data dictionary value and a usage 4 data dictionary value.

The usage account funds movement uplink module 1330 may be configured to store transaction information to the blockchain network upon completion of a funds transaction. The method comprises the following specific steps:

on one hand, after the fund inflow side usage account (for example, the second account) receives the transaction broadcast of the fund outflow side usage account (for example, the first account), for example, verification can be performed through a second verification module arranged at each node, if the verification accuracy feedback of each node is received to reach a certain ratio, the verification is successful, which indicates that the fund inflow authority is met, and the transaction can be performed. Meanwhile, the fund inflow side account receives the item identifier transmitted by the fund outflow side account (such as the first account) for marking that the fund can only be used for the item, and then registers the transaction information uplink and broadcasts to all nodes of the blockchain network.

On the other hand, when the fund outflow side use account sends a transaction broadcast to the fund inflow side use account on the block chain, verification can be carried out through the first verification module of each node, if the verification correctness feedback of each node is received to reach a certain ratio, the purpose matching is successful, and the transaction can be carried out. Meanwhile, the fund flow-out side account transfers the item identification to the fund flow-in side account, which is used for marking the fund which can only be used for the item, and then registers the transaction information chain and broadcasts the transaction information chain to all nodes.

The usage account transaction information monitoring module 1340 may be used to monitor the flow of each fund over the blockchain network. The financial institutions in the chain can look up the expenditure and income details of the destination account through the nodes and see the heading of each fund. Therefore, the special effect of special money can be achieved in the fund using process of specific projects, the occurrence of transactions in different use ranges is prevented, meanwhile, the fund flow condition of the projects in each stage can be monitored, and the risk of the projects can be evaluated.

Fig. 16 schematically illustrates a schematic diagram of a usage matching module according to an embodiment of the present disclosure.

As shown in fig. 16, the purpose matching module may include a first verification module and a second verification module, and specifically may include a purpose matching relationship list. The usage matching relationship list may include the funds outflow and inflow permissions for each account. The purpose matching module can be distributed at each node of the block chain network, and each fund transaction of each account can be verified through the purpose matching module. Specifically, the inflow purpose of the fund inflow information and the outflow purpose of the fund outflow information in the fund transaction can be matched by using the purpose matching relation list respectively, the transaction can be carried out if the data dictionary matching is successful, and otherwise, the transaction fails.

FIG. 17 schematically shows a schematic diagram of a funds transaction verification failure according to an embodiment of the present disclosure. FIG. 18 schematically shows a schematic diagram of the success of a funds transaction verification according to an embodiment of the present disclosure.

As shown in fig. 17, for example, an outflow use account (e.g., a first account) transfers a fund to an inflow use account (e.g., a second account). Wherein the flow of the fund needs to complete the flow of the fund into and out of the account, the matching of the fund usage and the transfer of the project identification. On the one hand, the use of the funds is required within the scope of the use of the outgoing use account, and on the other hand, the use of the funds is also required within the scope of the use of the incoming use account. The verification of inflow and outflow purposes can be carried out through the purpose matching modules distributed on each node, if the verification result of the inflow or outflow purposes does not meet a certain proportion, each node does not reach consensus, the transaction cannot pass, and the transaction cannot be continued.

As shown in fig. 18, if the usage of the fund satisfies the usage scope of the outbound usage account and the inbound usage account, the verification by the usage matching module may be performed. If the purpose matching module of each node on the block chain network is received to feed back that the verification is passed through a certain proportion, the verification is successful, and each node reaches consensus and can carry out transaction. When the transaction is carried out, the use account of the fund outflow party transmits the item identification value to the inflow use account and binds to the fund. Finally, the fund transaction is executed, and the execution result is broadcasted to the blockchain network so as to carry out synchronization.

FIG. 19 schematically shows a flow diagram of an application funds transaction processing method according to another embodiment of the present disclosure.

As shown in fig. 19, taking a real estate development company for developing a certain floor as an example, it can include the stages of startup, initial development, development process, sales process, etc., and first create a real estate project account on the blockchain network, which may have the inflow or outflow of funds at each stage. Specifically, operations S1901 to S1906 may be included.

In operation S1901, for example, a real estate development company may obtain an initial fund for real estate development for project a via a loan, which then flows into the real estate project account and is identified as project a fund, indicating that it is only available for project a. This link is the flow of funds into the account of the real estate project. And when the fund flows in, the judgment is carried out through the purpose matching modules distributed at each node, if the initial fund developed by the real estate is the purpose range of the account, the transaction is successful, and meanwhile, a transaction detail containing information such as the account, the purpose, the item and the like is generated, otherwise, the transaction is failed.

In operation S1902, for example, the initial fund purchase construction land transaction-related certificate in item a may be used. In the link, for real estate project accounts, the capital flow direction is outflow, whether the capital under the project A is sufficient or not is judged when the project flows out, the amount of money is sufficient, the purpose matching module is used for judging, if the purchasing construction land is transacted with the related certificate, the transaction is successful, meanwhile, a transaction detail containing information of the account, the purpose, the project and the like is generated, and the transaction detail is stored in the block chain network.

In operation S1903, a loan may be made again, for example, when the initial funds in item a do not fully support the progress of the subsequent item. Referring to operation S1901, a second real estate development loan fund flows into the real estate project account, which is identified as project A fund and can only be used for project A. In the link, for the real estate project account, the capital flow direction is inflow, the judgment is carried out by the purpose matching module when the project flows in, if the real estate construction loan is in the purpose range of the account, the transaction is successful, and meanwhile, a transaction detail containing information such as the account, the purpose, the project and the like is generated and stored in the block chain network.

In operation S1904, the project a performs project development related operations (such as civil engineering, installation, and supporting projects) using funds, the funds flow out from the real estate project account, the usage of the flowed funds is determined by the usage matching module, if the project development related operations belong to the usage range of the account, the transaction is successful, and a transaction detail including information of the account, the usage, the project, and the like is generated and stored in the blockchain network. Alternatively, there may be a company that accepts project development, for example, into which funds flow into the account, and if the charge for the project development-related service falls within the scope of use of the account, the transaction is successful.

In operation S1905, funds in item a may be used to perform item sales related operations (e.g., promotions, plans, material purchases, etc.). When the fund flows out of the real estate project account, if the project sale related operation belongs to the application range of the account, the transaction is successful, and meanwhile, a transaction detail containing information of the account, the application, the project and the like is generated and stored in the block chain network.

In operation S1906, the building can be sold officially. The fund flow-out account is an individual account or a public account, and the fund flow-in account is the real estate item account. In conducting each fund transaction, the use matching module may be used to verify whether the outbound use scope of the funds outbound account includes the purchase of a property and whether the inbound use scope of the property item account includes the receipt of funds to purchase the property. If the verification is successful, the transaction is carried out, and meanwhile, transaction details containing information such as accounts, purposes, projects and the like are generated and stored in the blockchain network.

With the fund transaction processing method of the disclosed embodiments, in one aspect, fund usage may be normalized. The fund usage matching is effectively combined with the block chain network, so that the fund usage direction can be comprehensively mastered and dynamically tracked, the standard use of the fund is ensured, the fund is limited to be only transferred within the range conforming to the regulation, and the illegal use of the fund is prevented. In another aspect, a basis may be provided for the capital risk assessment. And evaluating whether the project progress is normal or not through the use condition of the fund in each stage, and providing a basis for fund risk evaluation. In yet another aspect, a high level of information transparency can be achieved for the flow of funds. The information can be quickly acquired through on-chain information inquiry, the capital trend is realized, the communication cost is reduced, and the work efficiency is improved. And finally, a credit basis can be provided for the operation of the enterprise. Because the transaction full-flow information has real and non-tamperable records on the blockchain network, credit support can be provided for subsequent enterprise services.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, the modules in the money transaction processing apparatus 1100, the money transaction processing apparatus 1200, or the money transaction processing apparatus 1300 may be combined into one module to be implemented, or any one of the modules may be divided into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the modules in the fund transaction processing apparatus 1100, the fund transaction processing apparatus 1200 or the fund transaction processing apparatus 1300 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or may be implemented by any one of three implementations of software, hardware and firmware, or any suitable combination of any of them. Alternatively, at least one of the modules in the funds-transaction processing apparatus 1100, the funds-transaction processing apparatus 1200 or the funds-transaction processing apparatus 1300 may be implemented at least in part as a computer program module which, when executed, may perform a corresponding function.

FIG. 20 schematically illustrates a block diagram of a computer system suitable for implementing the blockchain-based funds transaction processing method and apparatus according to an embodiment of the present disclosure. The computer system illustrated in FIG. 20 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the disclosure.

As shown in fig. 20, the computer system 2000 according to the embodiment of the present disclosure includes a processor 2001, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)2002 or a program loaded from a storage section 2008 into a Random Access Memory (RAM) 2003. The processor 2001 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 2001 may also include on-board memory for caching purposes. The processor 2001 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the disclosure.

In the RAM 2003, various programs and data necessary for the operation of the system 2000 are stored. The processor 2001, the ROM 2002, and the RAM 2003 are connected to each other by a bus 2004. The processor 2001 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 2002 and/or the RAM 2003. Note that the program may also be stored in one or more memories other than the ROM 2002 and the RAM 2003. The processor 2001 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, system 2000 may also include an input/output (I/O) interface 2005, which 2005 is also connected to bus 2004. System 2000 may also include one or more of the following components connected to I/O interface 2005: an input portion 2006 including a keyboard, a mouse, and the like; an output portion 2007 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 2008 including a hard disk and the like; and a communication section 2009 including a network interface card such as a LAN card, a modem, or the like. The communication section 2009 performs communication processing via a network such as the internet. Drive 2010 is also connected to I/O interface 2005 as needed. A removable medium 2011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 2010 as necessary, so that a computer program read out therefrom is mounted in the storage section 2008 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 2009, and/or installed from the removable medium 2011. The computer program, when executed by the processor 2001, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, the computer-readable storage medium may include one or more memories other than the ROM 2002 and/or RAM 2003 and/or the ROM 2002 and RAM 2003 described above.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Claims

1. A method of blockchain based funds transaction processing in which a first account is created on a blockchain network, the method comprising:

when the first account receives a request for a fund flow service, sending a broadcast of the fund flow service to the blockchain network, wherein the broadcast comprises attribute information of the first account and the fund flow information;

receiving a verification result of the block chain network on the basis of preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account;

and when the verification result shows that the fund flow-out information accords with the fund flow-out right, executing the fund flow-out service to perform fund transaction.

2. The funds transaction processing method according to claim 1, wherein the funds outflow authority having a correspondence with the attribute information of the first account includes:

presetting at least one first fund usage after the fund of the first account flows out based on the attribute information of the first account;

setting the funds outflow authority based on the at least one first funds usage.

3. The funds transaction processing method of claim 2, wherein the setting the funds outflow authority comprises:

assigning a first use identification to each of the at least one first fund use;

storing all the first use identifications to the blockchain network so as to set the fund outflow authority.

4. The funds transaction processing method of claim 3, wherein the verification of the funds flow-out information by the blockchain network comprises:

calling the fund outflow authority based on the attribute information of the first account;

and searching the first use identifier from the fund flow authority based on a second use identifier, wherein the fund flow information comprises the second use identifier.

5. The funds transaction processing method of claim 4, the verification result indicating that the funds outflow information complies with the funds outflow authority comprising:

and finding the first use identifier matched with the second use identifier.

6. The funds transaction processing method of claim 1, further comprising:

and after the fund flow business is executed, storing the information of the fund transaction to the blockchain network.

7. The funds transaction processing method of claim 1, wherein the attribute information of the first account includes:

at least one of a first user identification, a first type identification and at least one first item identification.

8. The funds transaction processing method of claim 7, wherein the funds flow-out information comprises:

the first item identification of the first fund in the fund flow business.

9. A method of blockchain based funds transaction processing in which a second account is created on a blockchain network, the method comprising:

receiving a broadcast of funds inflow services flowing into the second account, wherein the broadcast includes attribute information of the second account and funds inflow information;

receiving a verification result of the blockchain network on the basis of preset fund inflow authority on the fund inflow information, wherein the fund inflow authority has a corresponding relation with the attribute information of the second account;

and when the verification result shows that the fund inflow information accords with the fund inflow right, executing the fund inflow service to perform fund transaction.

10. The funds transaction processing method of claim 9, wherein the performing the funds inflow service to conduct funds transactions comprises:

binding second funds in the fund inflow service with a second target identifier, wherein the fund inflow information comprises the second target identifier;

and setting the fund outflow permission of the second account based on the second item identification.

11. The funds transaction processing method of claim 9, wherein the funds inflow authority having a correspondence with the attribute information of the second account comprises:

presetting at least one second fund usage of funds flowing into the second account based on the attribute information of the second account;

setting the funds inflow authority based on the at least one second funds usage.

12. The funds transaction processing method of claim 11, wherein the setting of funds inflow authority comprises:

assigning a third use identifier to each of the at least one second use of funds;

storing all the third-purpose identifiers to the blockchain network to set the fund inflow authority.

13. The funds transaction processing method of claim 12, wherein the verification of the funds inflow information by the blockchain network comprises:

calling the fund inflow authority based on the attribute information of the second account;

based on a fourth use identification, looking up the third use identification from the fund inflow authority, wherein the fund inflow information comprises the third use identification.

14. The funds transaction processing method of claim 13, the verification result indicating that the funds inflow information complies with funds inflow privileges comprising:

and finding the third application identifier matched with the fourth application identifier.

15. The funds transaction processing method of claim 9, further comprising:

after the funds inflow service is executed, information of the funds transaction is stored to the blockchain network.

16. The funds transaction processing method of claim 9, wherein the attribute information of the second account includes:

at least one of a second user identification, a second type identification, and at least one third item identification.

17. A blockchain based funds transaction processing apparatus in which a first account is created on a blockchain network, the apparatus comprising:

a service broadcasting module, configured to send a broadcast of a fund flow service to the blockchain network when the first account receives an application for the fund flow service, where the broadcast includes attribute information of the first account and fund flow information;

the first receiving module is used for receiving a verification result of the blockchain network on the basis of a preset fund flow authority on the fund flow information, wherein the fund flow authority has a corresponding relation with the attribute information of the first account;

and the first execution module is used for executing the fund flow-out service to perform fund transaction when the verification result shows that the fund flow-out information accords with the fund flow-out right.

18. A blockchain based funds transaction processing apparatus in which a second account is created on a blockchain network, the apparatus comprising:

a second receiving module, configured to receive a broadcast of a fund flow service flowing into the second account, where the broadcast includes attribute information of the second account and fund flow information;

a third receiving module, configured to receive a verification result of the blockchain network on the basis of a preset fund inflow authority on the fund inflow information, where the fund inflow authority and the attribute information of the second account have a corresponding relationship;

and the second execution module is used for executing the fund inflow service to perform fund transaction when the verification result shows that the fund inflow information accords with the fund inflow right.

19. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-8 or any of claims 9-16.

20. A computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, cause the processor to perform the method of any of claims 1-8 or any of claims 9-16.