CN108717629A - A kind of intelligent payment method, system and electronic equipment - Google Patents
A kind of intelligent payment method, system and electronic equipment Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 48
- 238000012795 verification Methods 0.000 claims abstract description 104
- 230000000977 initiatory effect Effects 0.000 claims abstract description 10
- 238000012545 processing Methods 0.000 claims description 95
- 238000003860 storage Methods 0.000 claims description 16
- 238000004519 manufacturing process Methods 0.000 claims description 9
- 235000013399 edible fruits Nutrition 0.000 claims description 7
- 238000004590 computer program Methods 0.000 claims description 5
- 230000004913 activation Effects 0.000 claims description 4
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
This specification embodiment is related to a kind of intelligent payment method, system and electronic equipment based on block chain technology, including：Step of initiating submits step, verification step and clearing step.Increase purview certification link in above-mentioned each step, also, for links targetedly priority assignation permission so that payment process and the data for being written to block chain are more credible.
Description
Technical field
This specification embodiment is related to network technique field more particularly to a kind of intelligent payer based on block chain technology
Method, system and electronic equipment.
Background technology
Block chain technology is also referred to as distributed account book technology, is substantially a kind of distributed interconnection data of decentralization
Library.Block chain network can be considered using the network of block chain Technical Architecture, include multiple block chain nodes in the block chain network,
Either block chain node can correspond at least one block chain, and either block chain may include at least one block.
In the payment system of centralization, system controls in centralization mechanism hand, payment rule, transaction data, fund
Shortage is open, transparent, faces rule and is tampered at any time, transaction data forgery, adulterium situation so that payment platform at any time may
The possibility that appearance illegal transaction and fund are diverted, and the platform of centralization cannot be supervised effectively, it will generate one
Series extremely severe problem and influence.
As a result, there is an urgent need for finding a kind of new intelligent payment method, to overcome the above problem.
Block chain intelligent payment method is based on intelligent contract and realizes, complicated payment rule is converted into payment contract generation
Code, and contract is deployed in each node of block chain, and realizing the open and clear of contract can't arbitrarily distort, same intelligence
Order payment request is formed distributed block chain payment account book by energy contract engine by executing contract method, that is, ensure that branch
The safety of data is paid, and payment data can be made real-time, efficient in supervision state, increases the safety of fund.
Invention content
A kind of intelligent payment method of this specification embodiment offer, system and electronic equipment, to solve prior art rule
It is then opaque, the problem of data can be tampered.
In order to solve the above-mentioned technical problem, this specification embodiment uses following technical proposals：
In a first aspect, providing a kind of intelligent payment method, which is characterized in that include the following steps：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, the order payment request
Including order information, when the block chain receives the order payment request, default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, verifies whether the order generation module has the first permission, and call common recognition
Rule verifies the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request,
Enter step S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described
Pay processing platform includes more than one receiving party, receiving party's order-processing payment request of the payment processing platform
Afterwards, it generates and returns to block chain for arousing the payment parameter of payment, when the block chain receives the payment parameter information,
Execute the default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state
Whether the processing side of payment parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation mould
Block enters step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is given
User after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；It is described
Payment result is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule
Then；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states the described of payment parameter information
Whether processing side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If advised by verifying
Then, block chain is written into the payment result.
Optionally, the method further includes：
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and clearing are tied
Fruit is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；Wherein institute
Default verification rule is stated including calling the default access rule, whether verification generates states the processing side for paying parameter information
Have the second permission, and call consensus rules, verifies the legitimacy of the checkout result；If, will be described by verifying rule
Block chain is written in checkout result.
Second aspect provides a kind of intelligent payment system, applies flat in order generation module, block chain and payment processing
In platform, the payment processing platform includes more than one receiving party；The system comprises：
Initiation module：Order generation module generates order payment request and is sent to block chain, the order payment request packet
Order information is included, when the block chain receives the order payment request, executes default verification rule；The wherein described default school
It includes calling default access rule to test rule, verifies whether the order generation module has the first permission, and common recognition is called to advise
Then, the legitimacy of the order information is verified；If by verifying rule, block chain is written into the order payment request；
Submit module：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described pair
Processing platform includes more than one receiving party, after receiving party's order-processing payment request of the payment processing platform,
It generates and returns to block chain when the block chain receives the payment parameter information for arousing the payment parameter of payment and hold
The row default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state branch
Whether the processing side for paying parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation module；
Confirmation module：After the order generation module receives the payment parameter information, production payment page presentation is to use
Family after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；The branch
It pays result and is sent to the block chain, when the block is linked to the receipts payment result, execute the default verification rule；
The wherein described default verification rule includes that the default access rule, verification is called to generate the processing for stating payment parameter information
Whether side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If by verifying rule,
Block chain is written into the payment result；
Settlement module：The processing side is settled accounts according to predetermined period and the order generation module, by checkout result
It is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；It is wherein described
Default verification rule includes that the default access rule, verification is called to generate whether the processing side for stating payment parameter information has
Standby second permission, and consensus rules are called, verify the legitimacy of the checkout result；If by verifying rule, by the knot
It calculates result and block chain is written.
The third aspect provides a kind of electronic equipment, including：It memory, processor and is stored on the memory simultaneously
The computer program that can be run on the processor, the computer program are executed by the processor：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, the order payment request
Including order information, when the block chain receives the order payment request, default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, verifies whether the order generation module has the first permission, and call common recognition
Rule verifies the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request,
Enter step S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described
Pay processing platform includes more than one receiving party, receiving party's order-processing payment request of the payment processing platform
Afterwards, it generates and returns to block chain for arousing the payment parameter of payment, when the block chain receives the payment parameter information,
Execute the default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state
Whether the processing side of payment parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation mould
Block enters step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is given
User after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；It is described
Payment result is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule
Then；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states the described of payment parameter information
Whether processing side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If advised by verifying
Then, block chain is written into the payment result.
Optionally, the method further includes
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and clearing are tied
Fruit is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；Wherein institute
Default verification rule is stated including calling the default access rule, whether verification generates states the processing side for paying parameter information
Have the second permission, and call consensus rules, verifies the legitimacy of the checkout result；If, will be described by verifying rule
Block chain is written in checkout result.
Fourth aspect provides a kind of computer readable storage medium, the computer-readable recording medium storage one
Or multiple programs, one or more of programs by the electronic equipment including multiple application programs when being executed so that the electricity
Sub- equipment executes：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, the order payment request
Including order information, when the block chain receives the order payment request, default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, verifies whether the order generation module has the first permission, and call common recognition
Rule verifies the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request,
Enter step S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described
Pay processing platform includes more than one receiving party, receiving party's order-processing payment request of the payment processing platform
Afterwards, it generates and returns to block chain for arousing the payment parameter of payment, when the block chain receives the payment parameter information,
Execute the default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state
Whether the processing side of payment parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation mould
Block enters step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is given
User after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；It is described
Payment result is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule
Then；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states the described of payment parameter information
Whether processing side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If advised by verifying
Then, block chain is written into the payment result.
Optionally, the method further includes
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and clearing are tied
Fruit is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；Wherein institute
Default verification rule is stated including calling the default access rule, whether verification generates states the processing side for paying parameter information
Have the second permission, and call consensus rules, verifies the legitimacy of the checkout result；If, will be described by verifying rule
Block chain is written in checkout result.
Above-mentioned at least one technical solution that this specification embodiment uses can reach following advantageous effect：Increase permission
Certification link, improve intelligent payment method can be supervisory, also, links are targetedly arranged with corresponding power
Limit so that payment process and the data for being written to block chain are more credible, safer.
Description of the drawings
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
Some embodiments described in this specification embodiment are not paying creative labor for those of ordinary skill in the art
Under the premise of dynamic property, other drawings may also be obtained based on these drawings.
Fig. 1 is one of the step schematic diagram of intelligent payment method that this specification embodiment provides；
Fig. 2 is the structural schematic diagram for the intelligent payment system that this specification embodiment provides.
Specific implementation mode
To keep the purpose, technical scheme and advantage of this specification embodiment clearer, have below in conjunction with this specification
The technical solution of this specification embodiment is clearly and completely described in body embodiment and corresponding attached drawing.Obviously, described
Embodiment be only this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual, this
The every other embodiment that field those of ordinary skill is obtained without making creative work, belongs to this explanation
The range of book embodiment protection.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
Embodiment one
3. being a kind of intelligent payment method that this specification embodiment provides shown in referring to Fig.1, which is characterized in that including
Following steps：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, the order payment request
Including order information, when the block chain receives the order payment request, default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, verifies whether the order generation module has the first permission, and call common recognition
Rule verifies the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request,
Enter step S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described
Pay processing platform includes more than one receiving party, receiving party's order-processing payment request of the payment processing platform
Afterwards, it generates and returns to block chain for arousing the payment parameter of payment, when the block chain receives the payment parameter information,
Execute the default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state
Whether the processing side of payment parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation mould
Block enters step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is given
User after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；It is described
Payment result is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule
Then；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states the described of payment parameter information
Whether processing side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If advised by verifying
Then, block chain is written into the payment result.
Optionally, the method further includes
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and clearing are tied
Fruit is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；Wherein institute
Default verification rule is stated including calling the default access rule, whether verification generates states the processing side for paying parameter information
Have the second permission, and call consensus rules, verifies the legitimacy of the checkout result；If, will be described by verifying rule
Block chain is written in checkout result.
Optionally, the order information of the order payment request includes prespecified parameter；The order generates
Module is the form ordering system of trade company；Each receiving party of described pair of processing platform is bank, Third-party payment company, platform clothes
The one kind being engaged in quotient.
Optionally, first permission is for verifying whether order generation module has trade company's permission, and its trade company's permission
State whether be state of activation.
Optionally, while the order generation module generates order payment request, specified payment processing platform is accepted
The account ID of side；Second permission in the step S2 is used to verify the account ID of the receiving party in the step S2
Whether be the specified payment processing platform of the order generation module receiving party account ID, the receiving party whether have by
Permission is managed, and it accepts whether the state of permission is state of activation.
Optionally, by verifying order payment request, the payment parameter information, the payment result and described of rule
Checkout result is written to block chain with preset data structure.
Embodiment two
In hardware view, which includes processor, further includes optionally internal bus, network interface, memory.
Wherein, memory may include memory, such as high-speed random access memory (Random-Access Memory, RAM), also may be used
Can further include nonvolatile memory (Non-Volatile Memory), for example, at least 1 magnetic disk storage etc..Certainly, the electricity
Sub- equipment is also possible that the required hardware of other business.
Processor, network interface and memory can be connected with each other by internal bus, which can be industry
Standard architecture (Industry Standard Architecture, ISA) bus, Peripheral Component Interconnect standard
(Peripheral Component Interconnect, PCI) bus or expanding the industrial standard structure (Extended
Industry Standard Architecture, EISA) bus etc..The bus can be divided into address bus, data/address bus,
Controlling bus etc..
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from then operation in corresponding computer program to memory is read in nonvolatile memory, in logical layer
Content recommendation device is formed on face.Processor executes the program that memory is stored, and specifically for executing service described previously
Performed method operation when device is as executive agent.
The above-mentioned method as disclosed in this specification embodiment 1 can be applied in processor, or be realized by processor.Place
It may be a kind of IC chip to manage device, the processing capacity with signal.During realization, each step of the above method can
To be completed by the instruction of the integrated logic circuit of the hardware in processor or software form.Above-mentioned processor can be logical
With processor, including central processing unit (Central Processing Unit, CPU), network processing unit (Network
Processor, NP) etc.；It can also be digital signal processor (Digital Signal Processor, DSP), special integrated
Circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components.It may be implemented or execute disclosed each method, step and the logic diagram in this specification embodiment.It is logical
With processor can be microprocessor or the processor can also be any conventional processor etc..Implement in conjunction with this specification
The step of method disclosed in example, can be embodied directly in hardware decoding processor and execute completion, or in decoding processor
Hardware and software module combination execute completion.Software module can be located at random access memory, and flash memory, read-only memory may be programmed
In the storage medium of this fields such as read-only memory or electrically erasable programmable memory, register maturation.The storage medium
Positioned at memory, processor reads the information in memory, in conjunction with the step of its hardware completion above method.
The method that the electronic equipment can also carry out embodiment 1, and realize block chain common recognition device embodiment 1 function,
Details are not described herein for this specification embodiment.
Certainly, other than software realization mode, other realization sides are not precluded in the electronic equipment of this specification embodiment
Formula, for example, logical device or software and hardware combining mode etc., that is to say, that the executive agent of following process flow is simultaneously unlimited
Can also be hardware or logical device due to each logic unit.
Embodiment three
This specification embodiment also provides a kind of computer readable storage medium, the computer-readable recording medium storage
One or more programs, one or more of programs by the electronic equipment including multiple application programs when being executed so that institute
It states electronic equipment and executes following operation：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, the order payment request
Including order information, when the block chain receives the order payment request, default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, verifies whether the order generation module has the first permission, and call common recognition
Rule verifies the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request,
Enter step S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described
Pay processing platform includes more than one receiving party, receiving party's order-processing payment request of the payment processing platform
Afterwards, it generates and returns to block chain for arousing the payment parameter of payment, when the block chain receives the payment parameter information,
Execute the default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state
Whether the processing side of payment parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation mould
Block enters step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is given
User after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；It is described
Payment result is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule
Then；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states the described of payment parameter information
Whether processing side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If advised by verifying
Then, block chain is written into the payment result.
Optionally, the method further includes
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and clearing are tied
Fruit is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；Wherein institute
Default verification rule is stated including calling the default access rule, whether verification generates states the processing side for paying parameter information
Have the second permission, and call consensus rules, verifies the legitimacy of the checkout result；If, will be described by verifying rule
Block chain is written in checkout result.
Wherein, the computer readable storage medium, such as read-only memory (Read-Only Memory, ROM), at random
Access memory (Random Access Memory, RAM), magnetic disc or CD etc..
Example IV
A kind of intelligence payment system, is applied in order generation module, block chain and payment processing platform, at the payment
Platform includes more than one receiving party；The system comprises：
Initiation module：Order generation module generates order payment request and is sent to block chain, the order payment request packet
Order information is included, when the block chain receives the order payment request, executes default verification rule；The wherein described default school
It includes calling default access rule to test rule, verifies whether the order generation module has the first permission, and common recognition is called to advise
Then, the legitimacy of the order information is verified；If by verifying rule, block chain is written into the order payment request；
Submit module：Block chain will be sent to payment processing platform by the order payment request for verifying rule, described pair
Processing platform includes more than one receiving party, after receiving party's order-processing payment request of the payment processing platform,
It generates and returns to block chain when the block chain receives the payment parameter information for arousing the payment parameter of payment and hold
The row default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state branch
Whether the processing side for paying parameter information has the second permission, and calls consensus rules, verifies the payment parameter information
Legitimacy；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation module；
Confirmation module：After the order generation module receives the payment parameter information, production payment page presentation is to use
Family after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；The branch
It pays result and is sent to the block chain, when the block is linked to the receipts payment result, execute the default verification rule；
The wherein described default verification rule includes that the default access rule, verification is called to generate the processing for stating payment parameter information
Whether side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If by verifying rule,
Block chain is written into the payment result；
Settlement module：The processing side is settled accounts according to predetermined period and the order generation module, by checkout result
It is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；It is wherein described
Default verification rule includes that the default access rule, verification is called to generate whether the processing side for stating payment parameter information has
Standby second permission, and consensus rules are called, verify the legitimacy of the checkout result；If by verifying rule, by the knot
It calculates result and block chain is written.
In short, the foregoing is merely the preferred embodiment of this specification embodiment, it is not intended to limit this specification
The protection domain of embodiment.It is all this specification embodiment spirit and principle within, made by any modification, equivalent replacement,
Improve etc., it should be included within the protection domain of this specification embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology realizes information storage.Information can be computer-readable instruction, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, tape magnetic disk storage or other magnetic storage apparatus
Or any other non-transmission medium, it can be used for storage and can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
Including so that process, method, commodity or equipment including a series of elements include not only those elements, but also wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that wanted including described
There is also other identical elements in the process of element, method, commodity or equipment.
Each embodiment in this specification embodiment is described in a progressive manner, identical phase between each embodiment
As part just to refer each other, each embodiment focuses on the differences from other embodiments.Especially for
For system embodiment, since it is substantially similar to the method embodiment, so description is fairly simple, related place is referring to method
The part of embodiment illustrates.
Claims (10)
1. a kind of intelligent payment method, which is characterized in that include the following steps：
S1, step of initiating：Order generation module generates order payment request and is sent to block chain, and the order payment request includes
Order information when the block chain receives the order payment request, executes default verification rule；The wherein described default verification
Rule includes calling default access rule, verifies whether the order generation module has the first permission, and call consensus rules,
Verify the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request, into step
Rapid S2；
S2, step is submitted：Block chain will be sent to payment processing platform by the order payment request for verifying rule, at described pair
Platform includes more than one receiving party, raw after receiving party's order-processing payment request of the payment processing platform
Block chain is returned at for arousing the payment parameter of payment, when the block chain receives the payment parameter information, is executed
The default verification rule；The wherein described default verification rule includes that the default access rule, verification is called to generate and state payment
Whether the processing side of parameter information has the second permission, and calls consensus rules, verifies the conjunction of the payment parameter information
Method；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation module, into
Enter step S3；
S3, verification step：After the order generation module receives the payment parameter information, production payment page presentation is to use
Family after the processing side monitors that user completes delivery operation, generates payment result and notifies the order generation module；The branch
It pays result and is sent to the block chain, when the block is linked to the receipts payment result, execute the default verification rule；
The wherein described default verification rule includes that the default access rule, verification is called to generate the processing for stating payment parameter information
Whether side has the second permission, and calls consensus rules, verifies the legitimacy of the payment result；If by verifying rule,
Block chain is written into the payment result.
2. intelligent payment method according to claim 1, which is characterized in that further include：
S4, clearing step：The processing side is settled accounts according to predetermined period and the order generation module, and checkout result is sent out
It is sent to the block chain, when the block chain receives the checkout result, executes the default verification rule；It is wherein described pre-
If verification rule includes that the default access rule, verification is called to generate whether the processing side for stating payment parameter information has
Second permission, and consensus rules are called, verify the legitimacy of the checkout result；If by verifying rule, by the clearing
As a result block chain is written.
3. intelligent payment method according to claim 2, which is characterized in that the order of the order payment request is believed
Breath includes prespecified parameter；The order generation module is the form ordering system of trade company；The payment processing platform it is each
A receiving party is one kind in bank, Third-party payment company, platform service quotient.
4. intelligent payment method according to claim 1, which is characterized in that first permission is for verifying order generation
Whether module has trade company's permission, and whether the state of its trade company's permission is state of activation.
5. intelligent payment method according to claim 1, which is characterized in that the order generation module generates order payment
While request, the account ID of the receiving party of payment processing platform is specified；Second permission in the step S2 is used for school
Whether the account ID of the receiving party tested in the step S2 is the specified payment processing platform of the order generation module
The account ID of receiving party, whether the receiving party, which has, accepts permission, and it accepts whether the state of permission is state of activation.
6. intelligent payment method according to claim 1, which is characterized in that by verify rule order payment request,
The payment parameter information, the payment result and the checkout result are written to block chain with preset data structure.
7. intelligent payment method according to claim 2, which is characterized in that if not validated rule, accordingly
Information is not written into the block chain, and terminates payment.
8. a kind of intelligence payment system, is applied in order generation module, block chain and payment processing platform, the payment processing
Platform includes more than one receiving party；The system comprises：
Initiation module：Order generation module generates order payment request and is sent to block chain, and the order payment request includes ordering
Single information when the block chain receives the order payment request, executes default verification rule；The wherein described default verification rule
Include then calling default access rule, verifies whether the order generation module has the first permission, and call consensus rules, test
Demonstrate,prove the legitimacy of the order information；If by verifying rule, block chain is written into the order payment request；
Submit module：Block chain will be sent to payment processing platform, described pair of processing by verifying the order payment request of rule
Platform includes more than one receiving party, after receiving party's order-processing payment request of the payment processing platform, is generated
Payment parameter for arousing payment returns to block chain, when the block chain receives the payment parameter information, executes institute
State default verification rule；The wherein described default verification rule includes calling the default access rule, and verification, which generates, states payment ginseng
Whether the processing side of number information has the second permission, and calls consensus rules, verifies the legal of the payment parameter information
Property；If by verifying rule, block chain is written into the payment parameter information and returns to the order generation module；
Confirmation module：After the order generation module receives the payment parameter information, production payment page presentation is to user, institute
State processing side monitor user complete delivery operation after, generate payment result notify the order generation module；The payment knot
Fruit is sent to the block chain, when the block is linked to the receipts payment result, executes the default verification rule；Wherein
The regular default verification includes calling the default access regular, and the processing side that payment parameter information is stated in verification generation is
It is no to have the second permission, and consensus rules are called, verify the legitimacy of the payment result；If by verifying rule, by institute
State payment result write-in block chain；
Settlement module：The processing side is settled accounts according to predetermined period and the order generation module, and checkout result is sent
To the block chain, when the block chain receives the checkout result, the default verification rule is executed；It is wherein described default
Verification rule includes calling default access rule, and verification generates whether the processing side for stating payment parameter information has the
Two permissions, and consensus rules are called, verify the legitimacy of the checkout result；If by verifying rule, the clearing are tied
Block chain is written in fruit.
9. a kind of electronic equipment, including：It memory, processor and is stored on the memory and can transport on the processor
Capable computer program, the computer program are required the method described in 1 or 2 by the processor perform claim.
10. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one
A or multiple programs by the electronic equipment including multiple application programs when being executed so that the electronic equipment perform claim requirement
Method described in 1 or 2.
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| CN201810456616.8A CN108717629A (en) | 2018-05-14 | 2018-05-14 | A kind of intelligent payment method, system and electronic equipment |
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Application publication date: 20181030 |