CN113159768B

CN113159768B - Transaction certificate storage method, device and equipment

Info

Publication number: CN113159768B
Application number: CN202110424517.3A
Authority: CN
Inventors: 赵志胜
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-04-20
Filing date: 2021-04-20
Publication date: 2022-10-18
Anticipated expiration: 2041-04-20
Also published as: CN115936700A; CN113159768A

Abstract

The embodiment of the specification discloses a transaction evidence storing method, a device and equipment. The method comprises the following steps: the transaction record evidence storing platform acquires a transaction record evidence storing request sent by a user, and generates corresponding transaction evidence storing information based on the transaction record evidence storing request; sending the transaction deposit certification information to a merchant corresponding to the target transaction for verification; after the verification passing information aiming at the transaction certificate information returned by the merchant is received, uploading the transaction certificate information to a block chain network for storage; and generating deposit certificate identification information related to the transaction deposit certificate information, and sending the deposit certificate identification information to the user and the merchant.

Description

Transaction certificate storage method, device and equipment

Technical Field

The application relates to the technical field of block chains, in particular to a transaction evidence storing method, device and equipment.

Background

The Blockchain (Blockchain) 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. In the block chain system, data blocks are combined into a chain data structure in a sequential connection mode according to a time sequence, and a distributed account book which is not falsifiable and counterfeitable is ensured in a cryptographic mode. Because the blockchain has the characteristics of decentralization, information non-tampering, autonomy and the like, the blockchain is also paid more and more attention and is applied by people.

Disclosure of Invention

The embodiment of the specification provides a transaction certificate storing method, a transaction certificate storing device and transaction certificate storing equipment, and aims to solve the problem that server resources are wasted in an existing invoice reimbursement method.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

the embodiment of the specification provides a transaction evidence storing method, which comprises the following steps:

acquiring a transaction record evidence storage request sent by a user; the transaction record and certificate storage request comprises transaction information aiming at target transaction;

generating transaction evidence storing information corresponding to the transaction information;

sending the transaction deposit evidence information to a merchant corresponding to the target transaction for verification;

after the verification passing information which is returned by the merchant and aims at the transaction deposit certificate information is received, uploading the transaction deposit certificate information to a block chain network for storage;

generating certificate storage identification information related to the transaction certificate storage information;

and sending the certificate storing identification information to the user and the merchant.

The transaction reimbursement method provided by the embodiment of the specification comprises the following steps:

receiving transaction reimbursement information sent by an reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction;

inquiring the transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in a block chain network;

generating feedback information based on the transaction certificate storage information;

and sending the feedback information to the reimbursement mechanism.

An embodiment of this specification provides a trade deposit card device, includes:

the transaction record evidence storing request acquisition module is used for acquiring a transaction record evidence storing request sent by a user; the transaction record evidence storage request comprises transaction information aiming at target transaction;

the transaction deposit certificate information generating module is used for generating transaction deposit certificate information corresponding to the transaction information;

the verification module is used for sending the transaction verification information to a merchant corresponding to the target transaction for verification;

the transaction deposit evidence information storage module is used for uploading the transaction deposit evidence information to a block chain network for storage after receiving verification passing information which is returned by the merchant and aims at the transaction deposit evidence information;

the certificate storage identification information generation module is used for generating certificate storage identification information related to the transaction certificate storage information;

and the certificate storing identification information sending module is used for sending the certificate storing identification information to the user and the merchant.

An embodiment of this specification provides a transaction reimbursement device, including:

the transaction reimbursement information receiving module is used for receiving transaction reimbursement information sent by the reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction;

the transaction evidence storing information inquiry module is used for inquiring the transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in a block chain network;

the feedback information generation module is used for generating feedback information based on the transaction evidence storage information;

and the feedback information sending module is used for sending the feedback information to the reimbursement mechanism.

The embodiment of this specification provides a trade deposit card equipment, includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

generating transaction deposit evidence information corresponding to the transaction information;

sending the transaction evidence storage information to a merchant corresponding to the target transaction for verification;

generating deposit certificate identification information related to the transaction deposit certificate information;

and sending the evidence storing identification information to the user and the merchant.

An embodiment of this specification provides a transaction reimbursement equipment, including:

at least one processor; and (c) a second step of,

the memory stores instructions executable by the at least one processor to cause the at least one processor to:

receiving transaction reimbursement information sent by a reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction;

generating feedback information based on the transaction evidence storage information;

and sending the feedback information to the reimbursement mechanism. Embodiments of the present specification provide a computer-readable medium having computer-readable instructions stored thereon, which are executable by a processor to implement a transaction record credentialing/transaction reimbursement method.

One embodiment of the present specification achieves the following advantageous effects: acquiring a transaction record evidence storage request sent by a user; generating corresponding transaction certificate storage information; sending the transaction deposit certification information to a merchant corresponding to the target transaction for verification; after the verification passing information aiming at the transaction certificate information returned by the merchant is received, uploading the transaction certificate information to a block chain network for storage; generating certificate storage identification information related to the transaction certificate storage information; and sending the evidence storing identification information to the user and the merchant. According to the method, the evidence storage platform establishes the interchange transaction evidence storage information aiming at the target transaction based on the transaction evidence storage recording request of the user, the effective transaction evidence storage information is sent to the block chain network to be stored, the authenticity and the effectiveness of the evidence storage information can be guaranteed by utilizing the properties of the block chain, invoices do not need to be made additionally aiming at the transaction, and manpower and material resources are saved.

The transaction evidence storing identification information corresponding to the transaction evidence storing information is sent to the user and the merchant, the user does not need to request to obtain an invoice, reimbursement can be completed only by providing the corresponding evidence storing identification information during subsequent reimbursement, and the method is more convenient and efficient.

The transaction reimbursement information sent by the reimbursement mechanism is received; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction; inquiring transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in a block chain network; generating feedback information based on the transaction evidence storage information; and sending the feedback information to the reimbursement mechanism. When reimbursement is carried out, a user does not need to provide an invoice, and only needs to provide evidence storage identification information corresponding to target transaction needing reimbursement, wherein the evidence storage identification information has uniqueness and non-tamper property, so that the user is prevented from providing false reimbursement information; the evidence storing platform can acquire real and effective transaction evidence storing information from the blockchain platform based on the evidence storing identification information, the transaction evidence storing information is checked based on the acquired transaction evidence storing information and transaction reimbursement information submitted by a user, corresponding feedback information can be fed back to the reimbursement mechanism if matching is carried out, the reimbursement mechanism reimburses based on the feedback information, and the reimbursement transaction evidence storing information can be guaranteed to be real and effective.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is a flowchart of a transaction evidence storing method provided in an embodiment of the present specification;

FIG. 2 is a flow chart of a transaction reimbursement method provided by an embodiment of the present description;

FIG. 3 is an interaction diagram of a transaction verification method provided in an embodiment of the present specification;

fig. 4 is a schematic view of a transaction evidence storing device provided in an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a transaction reimbursement device according to an embodiment of the present disclosure;

fig. 6 is a schematic diagram of a transaction certificate storage device provided in an embodiment of the present specification.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be clearly and completely described below with reference to specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of one or more embodiments of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

The invoice can represent the transaction voucher issued and collected by all units and individuals in purchasing and selling goods, providing or receiving services and doing other business activities, and is the original basis for accounting and the important basis for law enforcement inspection of auditing agencies and taxation agencies. Is a text issued by a seller to a purchaser in an economic activity, and the contents include a name, quality, agreed price, etc. for providing a product or service to the purchaser. In addition to pre-payment, the invoice must have the elements of being paid by the purchaser to the seller according to agreed conditions, must contain the date and quantity, and is an important certificate for accounting. Each invoice must have a unique transaction slip number to prevent the invoice from being repeated or jumped. Is an important basis for controlling tax sources and collecting taxes by tax institutions.

In real life, invoices serve as important evidences of financial processing in daily commercial acquisition and reimbursement processes, and then for various reasons not all merchants can provide valid invoices. Especially for the people on business trip, the choice of hotel and restaurant is limited to a great extent because the travel and meal fees on business trip need to be reimbursed by the invoice, and the self-fee of the people on business trip may be required in some cases. Secondly, for non-industrial business registration of some small shops, effective invoice merchants (hereinafter referred to as non-invoice merchants) cannot be provided, and a large number of users are directly lost. For the same commodity, the price of part of invoiceable stores (hereinafter referred to as billed merchants) is obviously higher than that of non-business registered small merchants which can not produce formal invoices, and the difference is obviously higher than the tax value caused by invoicing, at this time, because the consumer can not obtain invoices at non-billed merchants, the consumer is forced to choose high-price to billed merchants for purchase, which is also a waste and loss for the charge undertaker. (finally, from the perspective of national revenue, the overall occupancy of the ticketless merchant in the market transaction cannot be small in hiss, the country also encourages the small vendors to start autonomous operation in this year due to epidemic reasons, and for the social market transaction actually generated in this part, perfecting the revenue link can be better taken from the citizen, so that the ticketless autonomous tax declaration and reimbursement process solution based on the personal credit guarantee and the uplink deposit of consumption records is provided based on the background.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

example 1

Fig. 1 is a flowchart of a transaction verification method according to an embodiment of the present disclosure. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. In this embodiment, the execution subject may be a deposit platform, and the deposit platform may be configured to generate deposit information corresponding to the transaction record. The evidence storage platform has data interaction with the block chain network, and the evidence storage platform can upload generated evidence storage information to the block chain network for storage. In practical applications, the certificate storage platform may be a platform dedicated to generating the certificate storage information, or may be a platform having other functions, and as long as the certificate storage information can be generated, the platform may serve as the execution subject in this embodiment. For example: the platform can be a credit rating platform which receives a transaction record evidence storage request of a user, generates corresponding evidence storage information and uploads the corresponding evidence storage information to the block chain network for storage.

As shown in fig. 1, the process may include the following steps:

step 110: acquiring a transaction record evidence storage request sent by a user; the transaction record and evidence storage request comprises transaction information aiming at the target transaction.

Typically, at the time of a transaction, corresponding transaction records are generated in the transaction devices of the user and merchant, respectively. When a user applies a transaction record and evidence storage request to an evidence storage platform, the user can apply for the transaction record based on the transaction record generated in the self equipment.

In this step, when the user sends a transaction record and verification request to the verification platform, the user may apply for a certain transaction, or apply for multiple transactions with a certain merchant, for example: the user's transaction in the hotel includes accommodation transaction, diet transaction, and vehicle-used transaction, and the user can apply for and generate corresponding deposit evidence information for the transaction with the hotel within the set time.

The target transaction may represent a transaction for which the user applies for a transaction log deposit.

The transaction information may be a transaction record stored in the user device, and the transaction record may include account information of both transaction parties corresponding to the target transaction, a transaction amount, a transaction time, and commodity information of the transaction, and the like.

Besides, the transaction information may also include transaction description information such as pictures, audio, video, and documentation for performing supplementary description on the target transaction.

Step 120: and generating transaction deposit evidence information corresponding to the transaction information.

In this embodiment of the present description, when a user needs reimbursement, all transaction information that needs to be generated for a transaction that needs reimbursement first needs to be stored in a blockchain network, and only corresponding data that can represent the transaction information needs to be stored.

Therefore, the information uploaded to the blockchain for storage is information obtained by processing the transaction information. Generating corresponding transaction evidence storing information for the transaction information, where the transaction evidence storing information may be information obtained by processing the transaction information, for example: the transaction information is screened, and important information is selected to form deposit evidence information, or the transaction information is calculated to obtain corresponding deposit evidence information. And storing the certificate information. The deposit certificate information at least comprises account identification information and a transaction order number corresponding to the target transaction parties. And the transaction serial number corresponding to each transaction is unique.

Step 130: and sending the transaction deposit evidence information to a merchant corresponding to the target transaction for verification.

For a target transaction, the target transaction may be a transaction that occurs between a user and a merchant. After the deposit platform establishes the cross easy-to-remember deposit information based on the request sent by the user, the transaction deposit information is the information which is not valid, the transaction deposit information needs to be sent to the merchant corresponding to the target transaction for confirmation, and the merchant needs to verify whether the target transaction is the real and valid transaction generated between the user and the merchant. When checking specifically, the merchant can check information such as transaction time, transaction amount, transaction object and the like. For example: user a and merchant B have a transaction: at 11 am, 2/1/2000, user a purchases a printer at merchant B, spending 2800 dollars. Aiming at the transaction, a user initiates a transaction recording and evidence storing request to an evidence storing platform, the evidence storing platform generates transaction evidence storing information X based on the request, and the transaction evidence storing information X can be obtained by processing the transaction information according to a preset rule. At this time, the transaction deposit certificate information X is in a non-validated state, specifically, the transaction deposit certificate information X may be marked with information in a non-validated state, the deposit certificate platform sends the transaction deposit certificate information X marked with the non-validated state to the merchant B, after the merchant B verifies that the authenticity of the transaction deposit certificate information X passes, the deposit certificate platform removes the non-validated state or modifies the non-validated state into a validated state, and the transaction deposit certificate information X' is obtained.

Step 140: and after the verification passing information aiming at the transaction deposit evidence information returned by the merchant is received, uploading the transaction deposit evidence information to a block chain network for storage.

Continuing the above example, after obtaining the transaction deposit evidence information X ', the valid transaction deposit evidence information X' is sent to the blockchain network for storage.

And vice versa. If the authenticity of the transaction verification information X is not passed, the transaction verification information can be determined to be invalid, and the transaction verification record corresponding to the target transaction is refused to be generated for the user.

Step 150: and generating deposit certificate identification information related to the transaction deposit certificate information.

And generating corresponding transaction evidence storage information and generating evidence storage identification information related to the transaction evidence storage information aiming at the target transaction of the user application and establishment of the overpass transaction evidence storage record. The certificate storing identification information can be a character string with a set digit, and the character string can establish a corresponding relation with the transaction certificate storing information stored in the block chain network, namely one piece of transaction certificate storing information corresponds to one piece of certificate storing identification information. The deposit certificate identification information is used for uniquely identifying the transaction deposit certificate information corresponding to the target transaction.

It should be noted that the certificate storage identification information is generated by the certificate storage platform, and specifically, the certificate storage information may be a certificate storage identification information system corresponding to the transaction certificate storage information generated by the certificate storage platform when the transaction certificate storage information is generated. It is understood that the certificate storing identification information is generated based on the transaction certificate storing information.

Step 160: and sending the certificate storing identification information to the user and the merchant.

And sending the evidence storing identification information corresponding to the transaction evidence storing information to a user and a merchant corresponding to the target transaction as evidence for storing the evidence. For the user, the deposit certificate identification information can be used for subsequent reimbursement, and the user only needs to provide the deposit certificate identification information during the subsequent reimbursement. For the merchant, the evidence-storing identification information is used for subsequently checking reimbursement related information of the user and can also be used for subsequently declaring tax.

It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.

The method of fig. 1, by obtaining a transaction record credentialing request sent by a user; generating corresponding transaction certificate storage information; sending the transaction deposit certification information to a merchant corresponding to the target transaction for verification; after the verification passing information aiming at the transaction deposit evidence information returned by the merchant is received, uploading the transaction deposit evidence information to a block chain network for storage; generating certificate storage identification information related to the transaction certificate storage information; and sending the certificate storing identification information to the user and the merchant. In the method, the deposit evidence platform establishes interchange deposit evidence information aiming at the target transaction based on the transaction deposit evidence recording request of the user, and sends the effective transaction deposit evidence information to the block chain network for storage, so that the true validity of the deposit evidence information can be ensured by using the property of the block chain, an invoice does not need to be additionally issued aiming at the transaction, and manpower and material resources are saved.

The deposit certificate identification information corresponding to the transaction deposit certificate information is sent to the user and the merchant, the user does not need to request to obtain an invoice, and the reimbursement can be completed only by providing the corresponding deposit certificate identification information during subsequent reimbursement, so that the transaction deposit certificate information is more convenient and efficient.

Based on the process of fig. 1, some specific embodiments of the process are also provided in the examples of this specification, which are described below.

Optionally, after the uploading the transaction certificate information to the block chain network for storage, the method may further include:

obtaining storage feedback information returned by the block chain network; the storage feedback information at least comprises storage position information of the transaction evidence storage information in the block chain network;

and establishing a mapping relation between the certificate storage identification information and the storage feedback information, and storing the mapping relation.

After the transaction certificate storage information is sent to the blockchain network for storage, the blockchain network can send storage feedback information to the certificate storage platform, wherein the storage feedback information can include information of successful storage, storage position information and the like.

And establishing a mapping relation between the certificate storing identification information and the storage feedback information, determining the storage position information of the transaction certificate storing information in the blockchain network based on the certificate storing identification information, and facilitating a certificate storing platform to inquire the transaction certificate storing information stored in the blockchain network based on the certificate storing identification information so as to perform subsequent processes.

Optionally, before generating the transaction evidence storing information corresponding to the transaction information based on the transaction record evidence storing request of the user, the method may further include:

acquiring a credit value of a user;

judging whether the credit value of the user meets a preset threshold value or not;

and when the credit value of the user meets a preset threshold value, determining that the user is qualified for applying for transaction record and storage.

And when the credit value of the user does not meet the preset threshold value, determining that the user does not have the qualification of applying the transaction record certificate, and sending information of refusing the transaction record certificate to the user.

In this embodiment, when generating transaction deposit evidence information for a target transaction, the credit rating of the user may also be combined, specifically, after the deposit evidence platform receives a transaction record deposit evidence request of the user, the transaction record deposit evidence request may include user identification information of the user, where the user identification information may be account information, identity information, and the like of the user. The credit value of the user can be obtained based on the user identification of the user, and whether the user qualifies for the deposit of the transaction record can be determined. It is to be appreciated that users with low credit ratings or higher risk may be limited in their rights to make invoice-like statements.

Where credit values may represent specific credit score scores, such as: 300 points, 570 points, 700 points, etc. Credit ratings may also be indicated, for example: a level, B level, 1 level, 2 level, etc. It should be noted that the historical information of reimbursement of the user can also be used as a factor for calculating and determining the credit value of the user, and when the credit value of the user is lower than a preset threshold, the user is denied a request for establishing the easy-to-record deposit certificate. The preset threshold value can be set based on the actual application scenario and the actual requirement.

Optionally, the generating of the transaction evidence storing information corresponding to the transaction information based on the transaction record evidence storing request of the user may specifically include:

generating a corresponding credit identification based on the credit value of the user;

and generating transaction deposit certificate information carrying the credit identification.

In an implementation manner, the evidence storage platform may be a credit rating mechanism, or may be another platform having a data interaction function with the credit rating mechanism, and taking the credit rating mechanism as an example, the credit rating mechanism may obtain a credit value of the user based on the identifier of the user, and generate a corresponding credit identifier. The credit mark may be a specific credit score value (300 points, 570 points, 700 points), a credit rating (a rating, B rating), or a standard high risk, medium risk, or the like. The identification may be carried in transaction crediting information that is visible to both the user and the merchant.

Further, after the check passing information for the transaction deposit certificate information returned by the merchant is received, uploading the transaction deposit certificate information to a block chain network for storage, which may specifically include:

and after the verification passing information aiming at the transaction deposit certificate information returned by the merchant is received, deleting the credit identification carried in the transaction deposit certificate information, and uploading the transaction deposit certificate information after the credit identification is deleted to a block chain network for storage.

After the merchant checks the transaction deposit certificate information, the merchant can return the information which is passed through the verification to the deposit certificate platform, and after the deposit certificate platform receives the information which is passed through the verification and sent by the merchant, the credit identification in the transaction deposit certificate information is deleted, and then the transaction deposit certificate information is uploaded to the block chain network.

In another embodiment, after the voucher storage platform receives the information that is sent by the merchant and passed through the auditing, in addition to deleting the credit identifier in the transaction voucher storage information, the non-effective state in the transaction voucher storage information can be modified into an effective state or the non-effective state in the transaction voucher storage information is directly deleted, and then the block link network is uploaded.

By the method, the evidence storage platform is combined with the personal credit rating of the user to generate transaction evidence storage information for the transaction of the user, so that the manufacturing cost of the user's blank or high-volume reimbursement behavior can be increased, the ratio of false reimbursement is reduced, the user and the cooperative merchant are deterred to a certain extent, and the authenticity of transaction reimbursement is improved.

Optionally, the transaction certificate information at least may include account identification information and a transaction order number corresponding to the target transaction party;

the generating of the deposit certificate identification information related to the transaction deposit certificate information may specifically include:

combining the account identifications corresponding to the two transaction parties and the transaction order number to obtain first character information;

encrypting the first character information by adopting an abstract algorithm to obtain encrypted character information;

and combining the encrypted character information with system time information to generate certificate storage identification information related to the transaction certificate storage information.

The transaction evidence storing information is generated by the evidence storing platform aiming at the target transaction and can be stored in the blockchain network, and when a user needs to reimburse aiming at the target transaction, the reimbursement mechanism can perform reimbursement checking and reimbursement flow directly based on the transaction evidence storing information in the blockchain network.

In an embodiment of the present specification, a single application for establishing transaction receipt information of a user may correspond to a Unique piece of transaction receipt information, where the transaction receipt information may be a Unique serial number Unique ID, and for generating the transaction receipt information, account identifiers and transaction serial numbers corresponding to two parties of a transaction may be combined to obtain first character information. The account identification information may be User Identification (UID), and after the user registers the information, the system automatically assigns a UID to the user. Of course, the account identification information may also be other ID information of the user, which can uniquely identify the identity information of the user.

For an individual user, the user's ID may also be an identification number if the certificate type is unified with the identification card. But it is also privacy data belonging to an individual in nature, and therefore, in view of avoiding disclosure of the individual privacy data, the identification number may be hash-processed. Since the hash calculation has the characteristics of one direction and hiding of original information, and the good hash function has the anti-collision capability, that is, the great probability of the hash values obtained by different inputs is different, the hash calculation result (or called abstract value) can be used as the user ID. The same principle is applied to mobile phone numbers.

Similarly, the hash calculation may be performed after data of a group of users are sequentially spliced, and the obtained digest value is used as the user ID of the first user, for example, the digest value obtained by hash (name + certificate type + certificate number) is used as the user ID, where "+" may indicate sequential splicing of front and back characters. The anti-money laundering generally has high requirements on data security, and in order to further enhance data security, salt adding operation can be adopted in hash calculation, for example, hash (name + certificate type + certificate number + salt), which is a value generated according to a predetermined rule. For the embodiment in the scheme, the information after the account identification and the transaction serial number are combined can be encrypted. For example: the UID of the user, the ID of the merchant and the transaction bill running order number can be combined and then encrypted by using MD5 to generate a unique 32-bit transaction number, wherein the plus can represent the sequential splicing of the front character and the back character.

The PREID is combined with the system time (to the millisecond level, 13 bits) to form a unique UNIQUEID of 45 bits.

By the method, the uniqueness of the generated transaction deposit certificate identification information can be guaranteed, and the transaction bills are different in serial numbers when multiple transactions occur in the same time by the same user, so that the overall uniqueness of the transaction deposit certificate information can be guaranteed. Besides, the method can also prevent counterfeiting transaction certificate information, and for example, uniquied is taken as an example, uniquied map actual storage information can directly generate uniquied according to a calculation rule. If the UNIQUEID is forged, the valid corresponding information cannot be found in the block chain; and secondly, if the information can be found in the database, generating a UNIQUEID through information calculation, and comparing the UNIQUEID with the input UNIQUEID to judge whether the data is forged or not.

In the above method steps, when encrypting the information, only the first character information (information obtained by combining the account identifier corresponding to both transaction parties and the transaction order number) needs to be encrypted, and the system time does not need to be encrypted. The UID of the user, the ID of the merchant and the serial number of the transaction bill belong to secret-related information, and can be encrypted by using the MD5, so that the whole length can be shortened. The system time can represent the time for establishing the easy-to-store evidence information, and the system time does not need to be encrypted, thereby being helpful for subsequent inquiry and accelerating the inquiry speed. For example: in the scene of invoice reimbursement, the invoice reimbursement can have time limitation, and when the certificate storage platform inquires the certificate storage transaction information from the blockchain network, the certificate storage transaction information can be searched according to the time information, so that the inquiry speed is increased.

Optionally, the method in the foregoing embodiment may further include:

and sending the transaction deposit certificate information to a third-party trusted authority so that the third-party trusted authority can carry out tax accounting on the user and the merchant based on the transaction deposit certificate information.

In a practical application scenario, the third-party organization may be an organization for tax collection and tax accounting, and sends the transaction deposit information to the organization for tax collection and tax accounting, so that the third-party organization can conveniently perform tax accounting on the user and the merchant.

And merchants and users can autonomously declare the personal tax in annual collection. And meanwhile, the tax institution can also collect tax according to the synchronous information of the evidence storage platform. In addition, when the evidence storing platform accepts the electronic evidence storing application of the user, risk assessment can be carried out according to the historical credit behavior record information of the user and the corresponding commercial tenant, and when the user or the commercial tenant has high risk, the evidence storing application is refused. Secondly, when the deposit certificate platform finds that the forged and false electronic deposit certificate exists in the user or the merchant, after the fact is verified, the personal credit rating of the user and the merchant is reduced, and other subsequent credit services are refused to be provided.

By the method, the whole reimbursement and tax link is perfected, and great positive influence is brought to common users, invoiceless merchants, companies and countries.

Optionally, after sending the transaction deposit evidence information to the merchant corresponding to the target transaction for checking, the method may further include:

and after receiving the verification failure information which is returned by the merchant and aims at the transaction deposit evidence information, determining that the transaction deposit evidence information is invalid, and sending invalid information to the user.

The invalid information may indicate that the transaction information that the user applies for generating the transaction deposit evidence information belongs to the invalid information and is not an actually occurring transaction.

Optionally, after receiving the verification failure information for the transaction credit information returned by the merchant, the method may further include:

performing credit scoring processing on the user according to a preset weight; the credit scoring process comprises a subtractive process;

generating prompt information for the credit scoring process; the prompt information includes information describing a reason for a processing result of the credit score. The credit scoring process may include a process of adding points, a process of subtracting points, or a process of re-scoring the user.

The reason description information may include false reimbursements, reimbursements not in accordance with the actual transaction amount, and the like.

And sending the prompt message to the user.

By the method, the user is urged to reimburse according to actual transaction, the cost of empty reimbursement and high reimbursement is increased, and the false reimbursement ratio is reduced.

Example 2

Fig. 2 is a flowchart of a transaction reimbursement method according to an embodiment of the present disclosure. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. In this embodiment, the execution subject may be a deposit platform, and the deposit platform may be configured to generate deposit information corresponding to the transaction record, and may also be configured to check information of reimbursement of the user. The certificate storage platform has data interaction with the blockchain network, can inquire the transaction certificate storage information corresponding to the corresponding certificate storage identification information from the blockchain network, and checks the transaction information based on reimbursement of a user. In practical applications, the certificate storage platform may be a platform dedicated to generating the certificate storage information and checking the certificate storage information. For example: the credit rating platform can receive a reimbursement request of a user, and corresponding transaction evidence storage information is inquired from the blockchain network for checking based on the reimbursement request.

As shown in fig. 2, the process may include the following steps:

step 210: receiving transaction reimbursement information sent by an reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction.

Reimbursement authority may represent an authority by which a user initiates a reimbursement request, such as: the user is an employee of company A, the user A initiates an reimbursement request to company A for a certain transaction, and the company A can serve as an reimbursement mechanism to reimburse the transaction proposed by the user A.

The transaction reimbursement information may be information included in an reimbursement request sent by the user to the reimbursement institution, and in an actual application scenario, the user sends the transaction reimbursement request to the reimbursement institution, where the transaction reimbursement request may include user transaction reimbursement information, for example: when the user applies for reimbursement from a company, the deposit certificate identification information corresponding to the transaction needing reimbursement, the user information applying for reimbursement, the specific amount of reimbursement and the like can be filled in the reimbursement sheet. That is, the transaction reimbursement information at least includes the deposit certificate identification information corresponding to the target transaction and the corresponding reimbursement amount. The certificate identification information herein may refer to the unique record unique generated in embodiment 1.

Step 220: and inquiring the transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in the block chain network.

After the transaction evidence storing information corresponding to the target transaction is stored in the block chain network, the evidence storing platform sends the evidence storing identification information corresponding to the transaction evidence storing information to the user and the merchant, and the user provides the evidence storing identification information to the company when applying for reimbursement to the company. The deposit certificate identification information may include information such as basic transaction flow, personal user IDs of both transaction parties, current effective state, and the like. The validation state may refer to whether the merchant and the credentialing platform pass the audit, and the validation is passed.

It should be noted that, in step 220, the evidence storing platform may query the transaction evidence storing information corresponding to the target transaction in the blockchain network based on the evidence storing identification information, but does not need to acquire the transaction evidence storing information and store the transaction evidence storing information in the platform, and only needs to read the transaction evidence storing information, and performs checking based on the queried transaction evidence storing information, so as to determine whether the transaction reimbursement information sent by the reimbursement institution is matched with the queried transaction evidence storing information.

Step 230: and generating feedback information based on the transaction evidence storage information.

The feedback information may be generated after the transaction reimbursement information and the inquired transaction crediting information are checked by the crediting platform, and the feedback information may be a specific checking result, for example: the feedback information may be related prompt information for indicating that the transaction reimbursement information matches the queried transaction deposit evidence information. The feedback information may also be recommendation information generated by the evidence storage platform based on the verification result, for example: the feedback information may be information that the evidence-storing platform suggests whether the reimbursement company reimburses for the user.

Step 240: and sending the feedback information to the reimbursement mechanism.

And feeding the feedback information back to a reimbursement mechanism, wherein the reimbursement mechanism can determine whether to reimburse the user based on the feedback information of the evidence storage platform.

The method of FIG. 2, by receiving transaction reimbursement information sent by an reimbursement authority; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction; inquiring transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in a block chain network; generating feedback information based on the transaction evidence storage information; and sending the feedback information to the reimbursement mechanism. When reimbursement is carried out, a user does not need to provide an invoice, and only needs to provide evidence storage identification information corresponding to a target transaction needing reimbursement, wherein the evidence storage identification information has uniqueness and non-tampering property, so that the user is prevented from providing false reimbursement information; the evidence storing platform can acquire real and effective transaction evidence storing information from the blockchain platform based on the evidence storing identification information, the transaction evidence storing information is checked based on the acquired transaction evidence storing information and transaction reimbursement information submitted by a user, corresponding feedback information can be fed back to the reimbursement mechanism if matching is carried out, the reimbursement mechanism reimburses based on the feedback information, and the reimbursement transaction evidence storing information can be guaranteed to be real and effective.

Based on the method of fig. 2, some specific embodiments of the method are also provided in the examples of this specification, which are described below.

Optionally, the transaction reimbursement information may further include an account identifier of a user applying for reimbursement of the target transaction; the transaction evidence storing information at least comprises account identifications corresponding to the target transaction parties and transaction serial number.

The transaction serial number is a single number corresponding to each transaction, and may represent a transaction list of the user and the merchant in a period of time.

The generating feedback information based on the transaction evidence storage information may specifically include:

comparing the account identification of the user applying for reimbursement of the target transaction with the account identification of the user in the transaction evidence storage information;

when the account identification of the user of the target transaction is consistent with the account identification of the user in the transaction evidence storage information, generating first feedback information; the first feedback information is used for representing that the user applying for reimbursing the target transaction has an declaration condition.

The declaration condition may indicate that a target transaction corresponding to the deposit certificate identification information provided by the user is generated between the user and the merchant, and the transaction deposit certificate information corresponding to the target transaction is stored in the blockchain network. If the corresponding transaction certificate storing information cannot be inquired in the block chain network based on the certificate storing identification information, the certificate storing identification information provided by the user can be determined to be false information. If the corresponding transaction certificate storing information can be inquired in the block chain network based on the certificate storing identification information provided by the user, whether the inquired transaction certificate storing information is matched with the transaction reimbursement information provided by the user needs to be further checked, and reimbursement is performed if the inquired transaction certificate storing information is matched with the transaction reimbursement information provided by the user. The method comprises the following specific steps:

determining the actual transaction amount corresponding to the target transaction according to the transaction order number;

comparing the reimbursement amount in the transaction reimbursement information with the actual transaction amount in the transaction deposit evidence information;

when the reimbursement amount is consistent with the actual transaction amount, generating second feedback information; the second feedback information is used for indicating that the reimbursement amount in the transaction reimbursement information is valid.

The reimbursement mechanism may reimburse the first feedback information or the second feedback information after receiving the first feedback information or the second feedback information, that is, both the first feedback information and the second feedback information may be used as conditions for allowing reimbursement.

Optionally, the generating feedback information based on the transaction evidence information may specifically include:

sending the deposit certificate identification information in the transaction reimbursement information to a merchant corresponding to the account identification in the transaction deposit certificate information for verification;

receiving auditing information which is returned by the merchant and aims at the evidence storing identification information;

generating third feedback information based on the audit information; the third feedback information is used for representing the auditing result of the merchant for the evidence storing identification information.

Optionally, the receiving of the audit information for the credential identification information returned by the merchant may specifically include:

receiving verification passing information which is returned by the merchant and aims at the evidence storing identification information;

generating third feedback information based on the audit information, which may specifically include:

and generating third feedback information for indicating that the transaction reimbursement information is real reimbursement information.

Optionally, the receiving of the audit information, which is returned by the merchant and is directed to the evidence storing identification information, may specifically include:

receiving the verification failure information which is returned by the merchant and aims at the evidence storing identification information;

generating third feedback information based on the audit information, specifically including:

and generating third feedback information for indicating that the transaction reimbursement information is false reimbursement information.

It should be noted that, in the process of actual reimbursement, the user sends a reimbursement request to the reimbursement mechanism, the reimbursement mechanism sends specific transaction reimbursement information to the evidence storage platform, the evidence storage platform needs to verify the transaction reimbursement information, during verification, the evidence storage identification information provided by the user can be sent to the corresponding merchant for verification, and the content that the merchant needs to verify is as follows: whether the corresponding database of the user has the deposit certificate identification information or not and whether the deposit certificate identification information corresponds to the account identification of the user submitting the reimbursement request or not. If the verification result is corresponding to the verification result, the information which is approved by the verification can be fed back to the evidence storage platform, and if the verification result is not corresponding to the verification result, the information which is not approved by the verification is fed back.

By the method, the certificate storing identification information provided by the user is sent to the corresponding commercial tenant for checking, whether the certificate storing identification information provided by the user exists is preliminarily determined based on the checking result of the commercial tenant, and if the commercial tenant confirms that the certificate storing identification exists, the certificate storing platform can further inquire the corresponding transaction certificate storing information from the block chain network based on the certificate storing identification information and check. Thereby improving the authenticity of transaction reimbursement and reducing the proportion of false reimbursement.

Optionally, after generating the third feedback information indicating that the transaction reimbursement information is false reimbursement information, the method may further include:

performing credit scoring processing on the user based on the false reimbursement information; the credit scoring process comprises a subtractive process;

generating prompt information for the credit scoring process; the prompt information comprises information for describing reasons of the processing result of the credit score;

and sending the prompt message to the user.

When the credit value of the user is reduced to a certain range, other credit services of the user are refused to be provided.

By the method, transaction reimbursement is carried out by combining credit rating of the user, the behavior of the user can be restrained, and therefore the false reimbursement proportion is reduced.

The methods in the above embodiments 1 and 2 can be explained with reference to fig. 3:

fig. 3 is an interaction diagram of a transaction evidence storage method provided in an embodiment of the present specification. As shown in fig. 3, the interaction agent involved may include a user, a merchant, a reimbursement agency (e.g., a company), a credentialing platform (e.g., a credit agency), and a blockchain network. It should be noted that the division of the interaction subject referred to herein is based on the function performed in the transaction verification process, and does not mean that the interaction subjects are independent of each other, and in practical applications, the subjects may belong to one organization and may belong to different organizations. The examples in this specification are not particularly limited thereto. The specific implementation process may include the following steps:

establishing transaction evidence storage information:

step 301: the transaction flow between the user and the merchant takes place and an electronic-transfer record, ER, is maintained.

Step 303: and the user initiates a new electronic transaction record certificate storage request to the certificate storage platform.

Step 305: and the evidence storage platform receives the user request, establishes interchange easy-to-store evidence information according to the actual content and marks the to-be-generated state.

Step 307: and sending the transaction deposit certificate information to the merchant for checking and confirmation of deposit certificate.

Step 309: after the merchant certificate storage platform sends certificate storage confirmation, whether the certificate storage content is real is confirmed according to the actual situation, and if the certificate storage content is not real, the process is ended. Otherwise, the verification passing information is fed back to the platform after confirmation.

Step 311: and after receiving the verification passing information fed back by the merchant, the deposit certificate platform uploads the transaction deposit certificate information to the block chain network for storage.

Step 313: and generating a unique record UNIQUEID corresponding to the transaction certificate storage information.

Step 315: and the evidence storing platform feeds the unique record UNIQUEID corresponding to the transaction evidence storing information back to the user and the merchant.

And (3) reimbursement of transaction certificate storage information:

step 317: the user initiates a reimbursement request to the company.

Step 319: and the company sends the transaction reimbursement information to the certificate storage platform for verification.

Step 321: and the certificate storage platform sends the certificate storage identification information in the reimbursement request to the merchant for confirmation.

Step 323: and feeding back confirmation information after the merchant confirms.

Step 325: and after receiving the confirmation information fed back by the merchant, the evidence storing platform inquires corresponding transaction evidence storing information from the block chain network based on the evidence storing identification information.

Step 327: and checking the transaction deposit certificate information and the transaction reimbursement information sent by the company based on the inquired transaction deposit certificate information.

Step 329: and after the verification is successful, sending feedback information to the company.

Step 331: and the company carries out subsequent reimbursement process based on the information fed back by the evidence storage platform.

Through the method in the embodiment of the specification, the technical effects that:

(1) When the user transacts, the user does not need to ask the merchant for the invoice, so that the labor cost of the user and the merchant and the manpower and material resources for generating the invoice are reduced. For the non-ticket merchants, the proportion of the non-ticket merchants in the market transaction can not be less than hiss, invoices do not need to be made, the transaction income of the non-ticket merchants can be improved, the social market transaction is perfected, and the tax link is perfected.

(2) The transaction evidence storing platform is introduced for the user to apply for establishing transaction corresponding transaction evidence storing information, the transaction evidence storing information interacts with the block chain network, and the generated transaction evidence storing information is stored in the block chain network, so that the truth and the validity of the transaction evidence storing information can be ensured, and the defect that the user issues false invoices to carry out false reimbursement is overcome.

(3) The certificate storage platform can synchronize effective transaction certificate storage information to a third-party trusted authority (such as a tax authority), so that subsequent tax accounting can be facilitated, an integral reimbursement and tax link is improved, and great positive influence is brought to common users, invoiceless merchants, companies and countries.

(4) Generating transaction evidence storage information and transaction reimbursement by combining credit rating of the user, so that the user and the cooperative merchant can be deterred, and a credit rating system is perfected; meanwhile, the cost of empty and high reimbursement can be increased, and the false reimbursement proportion can be reduced.

Based on the same idea, the embodiments of the present specification further provide an apparatus corresponding to the method in embodiment 1. Fig. 4 is a schematic diagram of a transaction evidence storing device according to an embodiment of the present disclosure. As shown in fig. 4, the apparatus may include:

a transaction record evidence storing request obtaining module 410, configured to obtain a transaction record evidence storing request sent by a user; the transaction record and certificate storage request comprises transaction information aiming at target transaction;

the transaction deposit evidence information generating module 420 is configured to generate transaction deposit evidence information corresponding to the transaction information;

the verification module 430 is configured to send the transaction verification information to a merchant corresponding to the target transaction for verification;

the transaction deposit evidence information storage module 440 is configured to upload the transaction deposit evidence information to a block chain network for storage after receiving verification passing information, which is returned by the merchant and is specific to the transaction deposit evidence information;

the certificate storing identification information generating module 450 is configured to generate certificate storing identification information about the transaction certificate storing information;

the voucher identification information sending module 460 is configured to send the voucher identification information to the user and the merchant.

The examples of this specification also provide some specific embodiments of the process based on the apparatus of fig. 4, which is described below.

Optionally, the apparatus may further include:

the storage feedback information acquisition module is used for acquiring the storage feedback information returned by the block chain network; the storage feedback information at least comprises the storage position information of the transaction evidence information in the block chain network;

and the mapping relation establishing module is used for establishing the mapping relation between the certificate storing identification information and the storage feedback information and storing the mapping relation.

Optionally, the apparatus may further include:

the credit value acquisition module is used for acquiring the credit value of the user;

the judging module is used for judging whether the credit value of the user meets a preset threshold value or not;

and the application transaction record and evidence storage qualification determining module is used for determining that the user has qualification of applying transaction record and evidence storage when the credit value of the user meets a preset threshold value.

And the transaction record deposit evidence request refusing module is used for determining that the user does not have the qualification of applying the transaction record deposit evidence when the credit value of the user does not meet the preset threshold value, and sending the information of refusing the transaction record deposit evidence to the user.

Optionally, the transaction certificate information generating module 420 may specifically include:

the credit identification generating unit is used for generating corresponding credit identification based on the credit value of the user;

and the transaction deposit certificate information generating unit is used for generating the transaction deposit certificate information carrying the credit identification.

Optionally, the transaction certificate information storage module 440 may be specifically configured to:

Optionally, the transaction certificate information at least includes account identification information and a transaction order number corresponding to the target transaction party;

the certificate storing identification information generating module 450 may specifically include:

the first character information determining unit is used for combining the account identifications corresponding to the two transaction parties and the transaction order number to obtain first character information;

the encryption unit is used for encrypting the first character information by adopting an abstract algorithm to obtain encrypted character information;

and the certificate storage identification information generation unit is used for combining the encrypted character information with system time information to generate certificate storage identification information related to the transaction certificate storage information.

Optionally, the apparatus may further include:

and the transaction certificate storage information synchronization module is used for sending the transaction certificate storage information to a third-party trusted authority so that the third-party trusted authority can carry out tax accounting on the user and the merchant based on the transaction certificate storage information.

Optionally, the apparatus may further include:

and the invalid information sending module is used for determining that the transaction evidence-storing information is invalid and sending invalid information to the user after receiving the verification failing information which is returned by the merchant and aims at the transaction evidence-storing information.

Optionally, the apparatus may further include:

the credit scoring processing module is used for carrying out credit scoring processing on the user according to a preset weight; the credit scoring process comprises a subtractive process;

the prompt information generating module is used for generating prompt information aiming at the credit scoring processing; the prompt information comprises information for describing reasons of the processing result of the credit score;

and the prompt information sending module is used for sending the prompt information to the user.

Based on the same idea, the embodiment of the present specification further provides an apparatus corresponding to the method in embodiment 2. Fig. 5 is a schematic diagram of a transaction reimbursement device according to an embodiment of the present disclosure. As shown in fig. 5, the apparatus may include:

a transaction reimbursement information receiving module 510, configured to receive transaction reimbursement information sent by a reimbursement institution; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction;

a transaction evidence storing information query module 520, configured to query, in a blockchain network, transaction evidence storing information of the target transaction corresponding to the evidence storing identification information;

a feedback information generating module 530, configured to generate feedback information based on the transaction certificate information;

a feedback information sending module 540, configured to send the feedback information to the reimbursement organization.

The examples of this specification also provide some specific embodiments of the process based on the apparatus of fig. 5, which is described below.

Optionally, the transaction reimbursement information may further include an account identifier of a user applying for reimbursement of the target transaction; the transaction certificate storing information at least comprises account identifications corresponding to the target transaction parties and a transaction serial number;

the feedback information generating module 530 may specifically include:

the first comparison unit is used for comparing the account identification of the user applying for reimbursement of the target transaction with the account identification of the user in the transaction evidence storage information;

the first feedback information generating unit is used for generating first feedback information when the account identification of the user of the target transaction is consistent with the account identification of the user in the transaction evidence storage information; the first feedback information is used for representing that the user applying for reimbursing the target transaction has an application condition.

Optionally, the feedback information generating module 530 may specifically include:

the actual transaction amount determining unit is used for determining the actual transaction amount corresponding to the target transaction according to the transaction order number;

the second comparison unit is used for comparing the reimbursement amount in the transaction reimbursement information with the actual transaction amount in the transaction deposit evidence information;

a second feedback information generating unit, configured to generate second feedback information when the reimbursement amount is consistent with the actual transaction amount; the second feedback information is used for indicating that the reimbursement amount in the transaction reimbursement information is valid.

the checking unit is used for sending the deposit certificate identification information in the transaction reimbursement information to a merchant corresponding to the account identification in the transaction deposit certificate information for checking;

the auditing information receiving unit is used for receiving auditing information which is returned by the merchant and aims at the evidence storing identification information;

a third feedback information generating unit, configured to generate third feedback information based on the audit information; the third feedback information is used for representing the auditing result of the merchant for the evidence storing identification information.

Optionally, the audit information receiving unit may be specifically configured to:

the third feedback information generating unit may specifically be configured to:

the third feedback information generating unit may specifically be configured to: and generating third feedback information for indicating that the transaction reimbursement information is false reimbursement information.

Optionally, the apparatus may further include:

the credit scoring processing module is used for carrying out credit scoring processing on the user based on the false reimbursement information; the credit scoring process comprises a subtractive process;

the prompt information generating module is used for generating prompt information aiming at the credit scoring processing; the prompt information comprises information for reason description of the credit score processing result;

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 6 is a schematic structural diagram of a transaction evidence storing device corresponding to fig. 1 provided in an embodiment of the present specification. As shown in fig. 6, the apparatus 600 may include:

at least one processor 610; and the number of the first and second groups,

a memory 630 communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,

the memory 630 stores instructions 620 that are executable by the at least one processor 610.

Corresponding to embodiment 1, the instructions are executable by the at least one processor 610 to enable the at least one processor 610 to:

after the verification passing information aiming at the transaction deposit certificate information returned by the merchant is received, uploading the transaction deposit certificate information to a block chain network for storage;

Corresponding to embodiment 2, the instructions are executable by the at least one processor 610 to enable the at least one processor 610 to:

and sending the feedback information to the reimbursement mechanism.

Based on the same idea, the embodiment of the present specification further provides a computer-readable medium corresponding to the above method. The computer readable medium has computer readable instructions stored thereon.

Corresponding to embodiment 1, the computer readable instructions are executable by a processor to implement a method of:

Corresponding to embodiment 2, the computer readable instructions are executable by a processor to implement the method of:

and sending the feedback information to the reimbursement mechanism.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for relevant points.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is an integrated circuit whose Logic functions are determined by a user programming the Device. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as ABEL (Advanced Boolean Expression Language), AHDL (alternate Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry for implementing the logical method flows can be readily obtained by a mere need to program the method flows with some of the hardware description languages described above and into an integrated circuit.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be conceived to be both a software module implementing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information which can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising one of 8230; \8230;" 8230; "does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises that element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A transaction verification method, comprising:

acquiring a transaction record evidence storage request sent by a user; the transaction record evidence storage request comprises transaction information aiming at target transaction;

2. The method of claim 1, after uploading the transaction ticket information to a blockchain network for storage, further comprising:

acquiring storage feedback information returned by the block chain network; the storage feedback information at least comprises the storage position information of the transaction evidence information in the block chain network;

3. The method of claim 1, before generating the transaction evidence information corresponding to the transaction information, further comprising:

acquiring a credit value of a user;

4. The method of claim 3, after determining whether the credit value of the user satisfies a predetermined threshold, further comprising:

5. The method according to claim 3, wherein the generating of the transaction credit information corresponding to the transaction information specifically includes:

6. The method according to claim 5, wherein after receiving the check pass information for the transaction deposit evidence information returned by the merchant, uploading the transaction deposit evidence information to a block chain network for storage, specifically includes:

7. The method according to claim 1, wherein the transaction deposit certificate information at least includes account identification information and transaction order number corresponding to the target transaction parties;

the generating of the certificate storing identification information related to the transaction certificate storing information specifically includes:

encrypting the first character information by adopting a summary algorithm to obtain encrypted character information;

and combining the encrypted character information with system time information to generate certificate storage identification information of the transaction certificate storage information.

8. The method of claim 1, further comprising:

9. The method of claim 1, after sending the transaction deposit evidence information to a merchant corresponding to the target transaction for verification, further comprising:

10. The method of claim 9, after receiving the verification failure information returned by the merchant for the transaction evidence information, further comprising:

and sending the prompt information to the user.

11. A transaction reimbursement method comprising:

receiving transaction reimbursement information sent by an reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction; the evidence storing identification information is generated according to the transaction evidence storing method of claim 1;

inquiring transaction evidence storing information of the target transaction corresponding to the evidence storing identification information in a block chain network;

and sending the feedback information to the reimbursement mechanism.

12. The method of claim 11, further comprising an account identification of a user applying for reimbursement of the target transaction; the transaction certificate-storing information at least comprises account identifications corresponding to the target transaction parties and a transaction serial number;

the generating of the feedback information based on the transaction certificate storage information specifically comprises:

when the account identification of the user of the target transaction is consistent with the account identification of the user in the transaction evidence storage information, first feedback information is generated; the first feedback information is used for representing that the user applying for reimbursing the target transaction has an application condition.

13. The method according to claim 12, wherein generating feedback information based on the transaction evidence information specifically includes:

14. The method according to claim 12, wherein generating feedback information based on the transaction credit information specifically includes:

15. The method according to claim 14, wherein the receiving of the audit information returned by the merchant for the credentialing identification information specifically includes:

16. The method according to claim 14, wherein the receiving of the audit information returned by the merchant for the evidence-storing identification information specifically includes:

generating third feedback information based on the audit information, specifically comprising:

17. The method of claim 16, after generating third feedback information indicating that the transaction reimbursement information is false reimbursement information, further comprising:

generating prompt information for the credit scoring process; the prompt information comprises information for reason description of the credit score processing result;

and sending the prompt message to the user.

18. A transaction verification device comprising:

the transaction evidence storing information generating module is used for generating transaction evidence storing information corresponding to the transaction information;

the certificate storing identification information generating module is used for generating certificate storing identification information related to the transaction certificate storing information;

19. A transaction reimbursement device comprising:

the transaction reimbursement information receiving module is used for receiving transaction reimbursement information sent by the reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction; the deposit identification information is generated according to the transaction deposit method of claim 1;

the transaction certificate storing information inquiry module is used for inquiring the transaction certificate storing information of the target transaction corresponding to the certificate storing identification information in a block chain network;

20. A transaction verification device comprising:

at least one processor; and (c) a second step of,

21. A transaction reimbursement apparatus comprising:

at least one processor; and the number of the first and second groups,

receiving transaction reimbursement information sent by a reimbursement mechanism; the transaction reimbursement information at least comprises deposit evidence identification information corresponding to the target transaction and reimbursement amount aiming at the target transaction; the deposit identification information is generated according to the transaction deposit method of claim 1;

and sending the feedback information to the reimbursement mechanism.

22. A computer readable medium having computer readable instructions stored thereon which are executable by a processor to implement the method of any one of claims 1 to 17.