CN108805564A - A kind of method and system carrying out payment and settlement based on block chain - Google Patents
A kind of method and system carrying out payment and settlement based on block chain Download PDFInfo
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- CN108805564A CN108805564A CN201810387096.XA CN201810387096A CN108805564A CN 108805564 A CN108805564 A CN 108805564A CN 201810387096 A CN201810387096 A CN 201810387096A CN 108805564 A CN108805564 A CN 108805564A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention discloses a kind of methods carrying out payment and settlement based on block chain, including：The payment and settlement request that user sends is received, payment and settlement request is audited, and corresponding transaction voucher is requested to generate according to the payment and settlement, wherein the transaction voucher is the transaction record in block chain；When payment and settlement request audit passes through, trade confirmation application is sent to purpose mechanism to obtain transaction feedback result；When the transaction feedback result is to confirm successfully, receive the transaction voucher by coalition signature, and it is sent to the third-party institution by request is retained, voucher and clearance relationship voucher are retained to determine to merchandise, so that the third-party institution can retain the transaction record in block chain；The transaction that the third-party institution obtains is received to retain voucher and clearance relationship voucher and verify legitimacy；After determining that the transaction retains voucher and clears the legitimacy of relationship voucher, the payment and settlement request of user is handled, is cleared based on distributed account book.
Description
Technical field
The present invention relates to the digital asset circulation technology fields based on block chain, and are based on more particularly, to one kind
Block chain carries out the method and system of payment and settlement.
Background technology
In the payment funding and clearing technology implemented at present, the entire normal operation for clearing system depends on centralization
Liquidation organization, i.e. the pattern based on traditional bank or liquidation center.However, merchandising and clearing the back of the body of demand in current magnanimity
Under scape, the pattern based on traditional bank or liquidation center cannot be satisfied requirement, and there are of high cost, time-consuming for clearance, complicated
The shortcomings of clearance system caused by degree height, liquidation center's Single Point of Faliure or malicious act is collapsed, in payment funding and clearing
The problems such as issuable Transaction Disputes, malice are merchandised in the process can not be solved.
Block chain technology is to be identified, recorded using distributed data base and propagate the point to point network of information, also referred to as
It is worth internet.Information on block chain has verification immediately, the natural characteristic that can be traced but be difficult to tamper with and can not shield,
To create a set of privacy, shareable value system efficiently, safe.
Therefore, how to be a problem for being badly in need of solving based on block chain technology realization payment funding and clearing.
Invention content
The present invention proposes a kind of method and system carrying out payment and settlement based on block chain, to solve how to be based on block chain
Technology realizes the problem of payment funding and clearing.
To solve the above-mentioned problems, according to an aspect of the invention, there is provided one kind carrying out payment knot based on block chain
The method of calculation, the method includes：
The payment and settlement request that user sends is received, payment and settlement request is audited, and according to the payment
Settlement request generates corresponding transaction voucher, wherein the transaction voucher is the transaction record in block chain；
When payment and settlement request audit passes through, trade confirmation application is sent to purpose mechanism to obtain transaction feedback
As a result；
When the transaction feedback result is confirms successfully, the transaction voucher of coalition signature is passed through in reception, and by the warp
The retention request for crossing the transaction voucher of coalition signature is sent to the third-party institution, to apply for that the third-party institution can be according to institute
It states and generates corresponding transaction retention voucher and clearance relationship voucher by the transaction voucher of coalition signature, so that the third party
Mechanism can retain the transaction record in block chain；
Receive the transaction that the third-party institution obtains and retain voucher and clearance relationship voucher, verify the transaction retain voucher with
The legitimacy of clearance relationship voucher；
After determining that the transaction retains voucher and clears the legitimacy of relationship voucher, the payment and settlement for handling user is asked
It asks, is cleared based on distributed account book.
Preferably, wherein the transaction voucher includes：Customs Assigned Number, transaction voucher mark, asset addresses, the affiliated machine of user
The mechanism that the mark for other mechanisms that the mark of structure, transaction are related to, type of transaction, Asset Type, transaction limit, transaction are related to
Coalition signature and exchange hour stamp.
Preferably, it is identified wherein obtaining the transaction voucher by hash algorithm.
Preferably, wherein described audit payment and settlement request, including：
Judge to submit payment and settlement request user whether be initiate the user of mechanism, including：
If the user of the payment and settlement request is the user for initiating mechanism, the use of the payment and settlement request is judged
Whether family is entitled to payment and settlement service, if it is, confirmation application is traded, conversely, terminating payment and settlement service；
If the user of the payment and settlement request is not the user for initiating mechanism, described in distributed account book inquiry
The account information for all mechanisms that payment and settlement request is related to, and judge whether the account information meets the payment and settlement and ask
It asks, if it is satisfied, then confirmation application is traded, conversely, terminating payment and settlement service.
Preferably, wherein the method further includes：Before sending trade confirmation application, the transaction voucher is carried out independent
Signature, and purpose mechanism will be sent to by the transaction voucher individually signed.
Preferably, wherein the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism judges the legal of the payment and settlement request of user according to the transaction voucher by individually signing
Property, if legal, to carrying out coalition signature by the transaction voucher individually signed, and determine transaction feedback result be confirm at
Work(；If illegal, directly determine that transaction feedback result is to confirm to fail.
Preferably, wherein the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism confirms knot according to the transaction request by the transaction voucher and other auxiliary bodies individually signed
Fruit judges the legitimacy of the payment and settlement request of user, if legal, joint label are carried out to the transaction voucher by individually signing
Name, and determine that transaction feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
Preferably, wherein the method further includes：
When the transaction feedback result is to confirm failure, refuse the payment and settlement request of user.
Preferably, wherein the clearance relationship voucher includes：The mark of clearance relationship voucher, debit's authority identification, credit side
The coalition signature of type, the quantity that assets debt-credit occurs, credit side mechanism and the third-party institution that authority identification, assets debt-credit occur
And clearance relationship voucher timestamp.
Preferably, wherein the third-party institution handles the retention request of the transaction voucher by coalition signature, and
Obtaining the step of voucher and clearance relationship voucher are retained in transaction includes：
The institute that the third-party institution asks to be related to according to the transaction voucher by coalition signature to the payment and settlement
Some purpose mechanisms send transaction voucher and confirm application；
The third-party institution receives the trade confirmation that all purpose mechanisms that the payment and settlement request is related to return and disappears
Breath, is verified with the legitimacy to the transaction voucher by coalition signature, if the transaction confirmation message is to confirm
Success, that is, indicate that the legitimate verification of the transaction voucher by coalition signature passes through, then passes through coalition signature according to described
Transaction voucher generate corresponding transaction and retain voucher and clear relationship voucher.
Preferably, wherein the method further includes：
The third-party institution signs to clearance relationship voucher, and is sent to the payment and settlement and asks the purpose being related to
Mechanism carries out coalition signature and confirmation to clearance relationship voucher；
After indicating that the clearance relationship voucher carries out coalition signature and confirms successfully, the third-party institution is to the branch
It pays all mechanisms that settlement request is related to and sends the transaction retention voucher and clearance relationship voucher.
Preferably, wherein the method further includes：
Involved in clearance relationship to all mechanisms receive the transaction of third-party institution's transmission and retain voucher and clearance
After relationship voucher, generate the corresponding clearance voucher of each mechanism respectively, and by the corresponding clearance voucher of each mechanism point
The approval to obtain the whole network and storage are issued in cloth account book.
Preferably, wherein the method further includes：
Involved in clearance relationship to all mechanisms the inquiry of clearance voucher is carried out in distributed account book, confirm clear
Calculation relationship whether successful execution.
Preferably, wherein the clearance voucher includes：Clear voucher identification, liquidation assets type, assets transfer quantity, hair
It plays authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp and the sources of the assets for initiating mechanism.
According to another aspect of the present invention, a kind of system that payment and settlement is carried out based on block chain, the system are provided
System includes：
Transaction voucher generation module, for receive user transmission payment and settlement request, to the payment and settlement ask into
Row audit, and corresponding transaction voucher is requested to generate according to the payment and settlement, wherein the transaction voucher is in block chain
Transaction record；
Transaction feedback result acquisition module, for when payment and settlement request audit passes through, sending trade confirmation Shen
Please to purpose mechanism to obtain transaction feedback result；
Voucher and clearance relationship voucher determining module are retained in transaction, for being to confirm successfully when the transaction feedback result
When, the transaction voucher by coalition signature is received, and the retention of the transaction voucher by coalition signature request is sent to
The third-party institution, to apply for that the third-party institution can generate corresponding friendship according to the transaction voucher by coalition signature
Voucher and clearance relationship voucher are easily retained, so that the third-party institution can retain the transaction record in block chain；
Legitimate verification module, the transaction for receiving third-party institution's acquisition are retained voucher and clearance relationship voucher, are tested
The transaction is demonstrate,proved to retain voucher and clear the legitimacy of relationship voucher；
Module is cleared, for after determining that the transaction retains voucher and clears the legitimacy of relationship voucher, handling user
Payment and settlement request, cleared based on distributed account book.
Preferably, wherein the transaction voucher includes：Customs Assigned Number, transaction voucher mark, asset addresses, the affiliated machine of user
The mechanism that the mark for other mechanisms that the mark of structure, transaction are related to, type of transaction, Asset Type, transaction limit, transaction are related to
Coalition signature and exchange hour stamp.
Preferably, it is identified wherein obtaining the transaction voucher by hash algorithm.
Preferably, wherein the transaction voucher generation module, audits payment and settlement request, including：
Judge to submit payment and settlement request user whether be initiate the user of mechanism, including：
If the user of the payment and settlement request is the user for initiating mechanism, the use of the payment and settlement request is judged
Whether family is entitled to payment and settlement service, if it is, confirmation application is traded, conversely, terminating payment and settlement service；
If the user of the payment and settlement request is not the user for initiating mechanism, described in distributed account book inquiry
The account information for all mechanisms that payment and settlement request is related to, and judge whether the account information meets the payment and settlement and ask
It asks, if it is satisfied, then confirmation application is traded, conversely, terminating payment and settlement service.
Preferably, wherein the system also includes：
Transaction voucher signature blocks, for before sending trade confirmation application, individually being signed to the transaction voucher,
And purpose mechanism will be sent to by the transaction voucher individually signed.
Preferably, wherein the transaction feedback result acquisition module, determines transaction feedback as a result, including：
Transaction feedback result determination unit, for according to the transaction voucher by individually signing, judging the branch of user
The legitimacy for paying settlement request carries out coalition signature, and determine that transaction is anti-if legal to the transaction voucher by individually signing
Feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
Preferably, wherein the transaction feedback result acquisition module, determines transaction feedback as a result, including：
Transaction feedback result determination unit, for according to the transaction voucher by individually signing and other auxiliary bodies
Transaction request confirm that result judges the legitimacy of the payment and settlement request of user, if legal, to the friendship individually signed of process
Easy voucher carries out coalition signature, and determines that transaction feedback result is to confirm successfully；If illegal, transaction feedback knot is directly determined
Fruit is to confirm to fail.
Preferably, wherein the system also includes：
Request refusal module, for when the transaction feedback result is to confirm failure, the payment and settlement for refusing user to be asked
It asks.
Preferably, wherein the clearance relationship voucher, including：The mark of clearance relationship voucher, debit's authority identification, credit side
The coalition signature of type, the quantity that assets debt-credit occurs, credit side mechanism and the third-party institution that authority identification, assets debt-credit occur
And clearance relationship voucher timestamp.
Preferably, it wherein voucher and clearance relationship voucher determining module are retained in the transaction, receives by coalition signature
The retention of transaction voucher is asked, and generating corresponding transaction according to the transaction voucher by coalition signature retains voucher and clearance
Relationship voucher, including：
Transaction voucher confirms application transmission unit, for the third-party institution according to the transaction voucher by coalition signature
All purpose mechanisms being related to payment and settlement request send transaction voucher and confirm application；
Voucher generation unit receives the payment and settlement for the third-party institution and asks all purpose mechanisms being related to
The transaction confirmation message of return is verified with the legitimacy to the transaction voucher by coalition signature, if the friendship
Easy confirmation message is to confirm successfully, that is, indicates that the legitimate verification of the transaction voucher by coalition signature passes through, then basis
The transaction voucher by coalition signature generates corresponding transaction and retains voucher and clearance relationship voucher.
Preferably, wherein the system also includes：
Clearance relationship voucher signature blocks for signing to clearance relationship voucher, and are sent to the payment and settlement
The purpose mechanism being related to is asked to carry out coalition signature and confirmation to clearance relationship voucher；
Voucher and clearance relationship voucher sending module are retained in transaction, in the joint label for indicating the clearance relationship voucher
Name and after confirming successfully, all mechanisms transmissions transaction retention voucher and clearance that are related to payment and settlement request
Relationship voucher.
Preferably, wherein the system also includes：
Clear voucher release module, for involved in clearance relationship to all mechanisms receive the third-party institution send
Transaction retain voucher and clearance relationship voucher after, generate the corresponding clearance voucher of each mechanism respectively, and by each machine
The corresponding clearance voucher of structure is issued approval and storage to obtain the whole network in distributed account book.
Preferably, wherein the system also includes：
Clearance relationship confirmation module, for involved in clearance relationship to all mechanisms carried out in distributed account book
The inquiry of voucher is cleared, confirms clearance relationship whether successful execution.
Preferably, wherein the clearance voucher includes：Clear voucher identification, liquidation assets type, assets transfer quantity, hair
It plays authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp and the sources of the assets for initiating mechanism.
The present invention provides a kind of method and system carrying out payment and settlement based on block chain, using point based on block chain
The calculate node and account book of cloth solve the payment funding and settling problems implemented for transaction voucher.The present invention can prop up
Hold complex data clearance, can easily inquire acquisition account balance using the transaction voucher preserved in account book, it is not necessary to individually into
Row account balance calculates；Safer in clearance process, data clearance is no longer dependent on some or certain liquidation center, avoids list
Clearance system crash issue caused by point failure or malicious act；Meanwhile by the way that relevant mechanism and third party's machine will be cleared
Structure, which is included in together in distributed account book, reaches common understanding, and can reduce handling duration, improves execution efficiency, reduces clearance and is processed into
This, and issuable Transaction Disputes in payment funding and settlement process, malice transaction can be handled by the third-party institution
The problems such as, ensure the robustness of system for settling account maintenance operation.
Description of the drawings
By reference to the following drawings, exemplary embodiments of the present invention can be more fully understood by：
Fig. 1 is the flow chart according to the method 100 for carrying out payment and settlement based on block chain of embodiment of the present invention；
Fig. 2 is the stream for the method 200 audited to payment and settlement request according to the initiation mechanism of embodiment of the present invention
Cheng Tu；
Fig. 3 is to be shown according to the logic of the data clearance process flow 300 based on distributed general ledger of embodiment of the present invention
It is intended to；And
Fig. 4 is the structural schematic diagram according to the system 400 for carrying out payment and settlement based on block chain of embodiment of the present invention.
Specific implementation mode
Exemplary embodiments of the present invention are introduced referring now to the drawings, however, the present invention can use many different shapes
Formula is implemented, and is not limited to the embodiment described herein, and to provide these embodiments be to disclose at large and fully
The present invention, and fully convey the scope of the present invention to person of ordinary skill in the field.Show for what is be illustrated in the accompanying drawings
Term in example property embodiment is not limitation of the invention.In the accompanying drawings, identical cells/elements use identical attached
Icon is remembered.
Unless otherwise indicated, term (including scientific and technical terminology) used herein has person of ordinary skill in the field
It is common to understand meaning.Further it will be understood that with the term that usually used dictionary limits, should be understood as and its
The context of related field has consistent meaning, and is not construed as Utopian or too formal meaning.
Fig. 1 is the flow chart according to the method 100 for carrying out payment and settlement based on block chain of embodiment of the present invention.Such as figure
Shown in 1, the method 100 that payment and settlement is carried out based on block chain that embodiments of the present invention provide, using based on block chain
Distributed calculate node and account book solve the payment funding and settling problems implemented for transaction voucher.The present invention can
It supports complex data clearance, acquisition account balance can be easily inquired using the transaction voucher preserved in account book, it is not necessary to individually
Carry out account balance calculating；Safer in clearance process, data clearance is no longer dependent on some or certain liquidation center, avoids
Clearance system crash issue caused by Single Point of Faliure or malicious act；Meanwhile by the way that relevant mechanism and third party will be cleared
Mechanism, which is included in together in distributed account book, to reach common understanding, and can reduce handling duration, improves execution efficiency, reduces clearance and is processed into
This, and issuable Transaction Disputes in payment funding and settlement process, malice transaction can be handled by the third-party institution
The problems such as, ensure the robustness of system for settling account maintenance operation.What embodiments of the present invention provided is propped up based on block chain
The method 100 of clearing is paid since step 101 place, the payment and settlement request that user sends is received in step 101, to the payment
Settlement request is audited, and requests to generate corresponding transaction voucher according to the payment and settlement, wherein the transaction voucher is
Transaction record in block chain.
Preferably, wherein the transaction voucher includes：Customs Assigned Number, transaction voucher mark, asset addresses, the affiliated machine of user
The mechanism that the mark for other mechanisms that the mark of structure, transaction are related to, type of transaction, Asset Type, transaction limit, transaction are related to
Coalition signature and exchange hour stamp.
Preferably, it is identified wherein obtaining the transaction voucher by hash algorithm.
Preferably, wherein described audit payment and settlement request, including：
Judge to submit payment and settlement request user whether be initiate the user of mechanism, including：
If the user of the payment and settlement request is the user for initiating mechanism, the use of the payment and settlement request is judged
Whether family is entitled to payment and settlement service, if it is, confirmation application is traded, conversely, terminating payment and settlement service；
If the user of the payment and settlement request is not the user for initiating mechanism, described in distributed account book inquiry
The account information for all mechanisms that payment and settlement request is related to, and judge whether the account information meets the payment and settlement and ask
It asks, if it is satisfied, then confirmation application is traded, conversely, terminating payment and settlement service.
Such as：User A is industrial and commercial bank (i.e. purpose mechanism) a certain user, but only Construction Bank is being supported (to initiate machine
Structure) certain trade company consumed.
In embodiments of the present invention, user A submits payment and settlement request, initiates mechanism in the branch for receiving user's transmission
After paying settlement request, payment and settlement request is audited, and corresponding transaction is requested to generate according to the payment and settlement
Voucher, transaction voucher are the transaction record in block chain.
The process that the initiation mechanism of embodiment of the present invention audits payment and settlement request is as shown in Figure 2.
The payment and settlement request that authorities user A is submitted is initiated in step 201.
Judge whether user A is the user for initiating mechanism in step 202, if it is, entering step 203；Conversely, into
Step 204.
Judge whether the user of the payment and settlement request is entitled to payment and settlement service in step 203, if so,
It then enters step 206 and is traded confirmation application；Conversely, entering step 207 end payment and settlement services.
The account information for all mechanisms that the payment and settlement request is related to is inquired based on distributed account book in step 204.
Judge whether the account information meets the payment and settlement request in step 205, if it is satisfied, then entering step
206 are traded confirmation application, conversely, entering step 207 end payment and settlement services.
The structure of transaction voucher is as shown in table 1.Wherein, the transaction voucher mark of user A, the i.e. mark of customer transaction voucher
Know, is generated using ripe HASH algorithms, ensure its whole network uniqueness.Such as SHA256 algorithms.The asset addresses of user A, that is, hand over
The user identifier easily initiated, it is possible to specify for unique wallet address possessed by the user.User's institutional affiliation identifies, that is, uses
The whole network unique mark of family institutional affiliation can be identified by its ID or exclusive signature.Other mechanism marks that transaction is related to
Know, i.e. user this time merchandises other mechanisms being related to, and can be identified by its ID or exclusive sign.Type of transaction, can
Think ATM withdraws the money, deposit, security are shifted or consumed etc..Asset Type, that is, the Asset Type merchandised.Transaction limit, you can carry out
The limit of transaction, single or daily.Transaction is related to mechanism coalition signature, that is, institutional affiliation of merchandising, the connection for being related to other mechanisms
Signature is closed, by the signature, identifies its validity.Timestamp generates the voucher time.
1 transaction voucher structure table of table
| The transaction voucher of user A identifies |
| The asset addresses of user A |
| User's institutional affiliation identifies |
| Transaction is related to other authority identifications |
| Type of transaction |
| Asset Type |
| Transaction limit |
| Transaction is related to mechanism coalition signature |
| Timestamp |
Preferably, trade confirmation application is sent to purpose machine when payment and settlement request audit passes through in step 102
Structure is to obtain transaction feedback result.
Preferably, wherein the method further includes：
It before sending trade confirmation application, is individually signed to the transaction voucher, and the friendship individually signed will be passed through
Easy voucher is sent to purpose mechanism.
Preferably, wherein the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism judges the legal of the payment and settlement request of user according to the transaction voucher by individually signing
Property, if legal, to carrying out coalition signature by the transaction voucher individually signed, and determine transaction feedback result be confirm at
Work(；If illegal, directly determine that transaction feedback result is to confirm to fail.
Preferably, wherein the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism confirms knot according to the transaction request by the transaction voucher and other auxiliary bodies individually signed
Fruit judges the legitimacy of the payment and settlement request of user, if legal, joint label are carried out to the transaction voucher by individually signing
Name, and determine that transaction feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
In embodiments of the present invention, it initiates mechanism individually to sign to the transaction voucher, and will pass through independent
The transaction voucher of signature is sent to purpose mechanism and is traded Requisition Validation.After purpose mechanism receives transaction application, according to user
ID, transaction Asset Type, the information such as assets amount judge whether the transaction application of user legal, wherein to merchandise legitimacy into
When row judges, it may be desirable to which the assistance of other mechanisms determines feedback result jointly.After feedback result determines, purpose mechanism is by institute
It states feedback result and is sent to initiation mechanism, if it is confirmed that success, purpose mechanism can also carry out transaction voucher coalition signature and return
It is back to initiation mechanism.
Preferably, in step 103 transaction by coalition signature is received when the transaction feedback result is to confirm successfully
Voucher, and the retention of the transaction voucher by coalition signature request is sent to the third-party institution, to apply for the third
Square mechanism can generate corresponding transaction according to the transaction voucher by coalition signature and retain voucher and clearance relationship voucher,
So that the third-party institution can retain the transaction record in block chain.
Preferably, wherein the clearance relationship voucher includes：The mark of clearance relationship voucher, debit's authority identification, credit side
The coalition signature of type, the quantity that assets debt-credit occurs, credit side mechanism and the third-party institution that authority identification, assets debt-credit occur
And clearance relationship voucher timestamp.
Preferably, wherein the third-party institution handles the retention request of the transaction voucher by coalition signature, and
Obtaining the step of voucher and clearance relationship voucher are retained in transaction includes：
The institute that the third-party institution asks to be related to according to the transaction voucher by coalition signature to the payment and settlement
Some purpose mechanisms send transaction voucher and confirm application；
The third-party institution receives the trade confirmation that all purpose mechanisms that the payment and settlement request is related to return and disappears
Breath, is verified with the legitimacy to the transaction voucher by coalition signature, if the transaction confirmation message is to confirm
Success, that is, indicate that the legitimate verification of the transaction voucher by coalition signature passes through, then passes through coalition signature according to described
Transaction voucher generate corresponding transaction and retain voucher and clear relationship voucher.
Preferably, wherein the method further includes：
When the transaction feedback result is to confirm failure, refuse the payment and settlement request of user.
Preferably, it receives the transaction that the third-party institution obtains in step 104 and retains voucher and clearance relationship voucher, verify institute
Transaction is stated to retain voucher and clear the legitimacy of relationship voucher.
Preferably, wherein the method further includes：
The third-party institution signs to clearance relationship voucher, and is sent to the payment and settlement and asks the purpose being related to
Mechanism carries out coalition signature and confirmation to clearance relationship voucher；
After indicating that the clearance relationship voucher carries out coalition signature and confirms successfully, the third-party institution is to the branch
It pays all mechanisms that settlement request is related to and sends the transaction retention voucher and clearance relationship voucher.
In the real-time mode of the present invention, according to transaction voucher, all mechanisms being related to transaction are sent out for the third-party institution
Transaction voucher is sent to confirm application；The mechanism being related to returns to trade confirmation result to the third-party institution；The third-party institution receives really
After recognizing result, if it is confirmed that success, retain transaction voucher, while according to transaction content produce one correspondingly clearance relationship with
Card；The third-party institution signs to clearance relation record, and is sent to all credit side mechanisms and carries out coalition signature and confirmation；Connection
After conjunction is signed successfully, third square structure sends the transaction voucher retained and clearance relationship voucher to all associated mechanisms, in the future may be used
To play the role of supervision, notarization and dispute processing.Initiate transaction retention voucher and clearance pass that mechanism receives the third-party institution
It is the trading processing request for judging legitimacy after voucher, and handling user.
The structure of clearance relationship voucher is as shown in table 2.Wherein, clearance relation record mark, is given birth to using ripe HASH algorithms
At ensureing its whole network uniqueness.Debit's authority identification, i.e. assets lend the whole network unique mark of mechanism, are calculated using ripe HASH
Method generates, and ensures its whole network uniqueness.Credit side's authority identification, i.e. the whole network unique mark of assets lending institution, using maturation
HASH algorithms generate, and ensure its whole network uniqueness.Credit side mechanism, third-party institution's coalition signature, for identifying this transaction record
Validity.Timestamp generates the time of the clearance relationship voucher.It should be noted that containing transaction in clearance relationship
The service charge debition generated in the process.For example, initiating mechanism provides a user service, user may need to initiation mechanism
Certain service charge is paid, which has by purpose mechanism on behalf of payment, is embodied in clearance relationship, is exactly the machine of an entry
Debt of the structure to initiation mechanism.
Table 2 clears relationship voucher structure table
Preferably, in step 105 after determining that the transaction retains voucher and clears the legitimacy of relationship voucher, processing is used
The payment and settlement at family is asked, and is cleared based on distributed account book.
Preferably, wherein the method further includes：
Involved in clearance relationship to all mechanisms receive the transaction of third-party institution's transmission and retain voucher and clearance
After relationship voucher, generate the corresponding clearance voucher of each mechanism respectively, and by the corresponding clearance voucher of each mechanism point
The approval to obtain the whole network and storage are issued in cloth account book.
Preferably, wherein the clearance voucher includes：Clear voucher identification, liquidation assets type, assets transfer quantity, hair
It plays authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp and the sources of the assets for initiating mechanism.
Preferably, wherein the method further includes：
Involved in clearance relationship to all mechanisms the inquiry of clearance voucher is carried out in distributed account book, confirm clear
Calculation relationship whether successful execution.
In embodiments of the present invention, it is being received in the credit side mechanism (i.e. purpose mechanism) involved in all clearance relationships
After voucher and clearance relationship voucher are retained in the transaction of the third-party institution, the payment and settlement request of user is handled, distributed account is carried out
This clearance, including：Record and clearance are retained in the transaction that credit side mechanism involved in all clearance relationships receives the third-party institution
After relationship voucher, clearance voucher as shown in table 3 is generated as mechanism is initiated.
Table 3 clears voucher structure table
The clearance voucher includes：Record identification is cleared, that is, clears the whole network unique mark of record；Authority identification is initiated,
Initiate the whole network unique mark of mechanism；Purpose authority identification, i.e. the whole network unique mark of purpose mechanism；Authority signature is initiated,
It initiates mechanism to sign to record, the validity for identifying this record；The sources of the assets for initiating mechanism, in distributed account
The sources of the assets for initiating mechanism are had recorded in family, as the asset base for initiating mechanism progress debt clearance.Clearance record identification,
It initiates authority identification and purpose authority identification is generated by HASH algorithms.Voucher will be cleared in the distributed account of clearance by initiating mechanism
This is issued, and after obtaining the whole network common recognition, clearance voucher has just obtained the whole network and approved and store, and can not change.Meanwhile the
Tripartite mechanism, each clearance associated mechanisms can carry out clearance voucher inquiry in the distributed account book of clearance, can according to query result
To confirm clearance relationship whether successful execution, third-party institution's processing Transaction Disputes are simultaneously can be used for.
Fig. 3 is to be shown according to the logic of the data clearance process flow 300 based on distributed general ledger of embodiment of the present invention
It is intended to.As shown in figure 3, the data clearance process flow 300 based on distributed general ledger includes：In step 301, the use of purpose mechanism
Across mechanism payment and settlement is submitted to ask to initiation mechanism in family；In step 302, initiates mechanism and purpose machine is inquired by distributed account book
The relationship trading voucher of structure；In step 303, initiates mechanism and payment and settlement is submitted to ask to purpose mechanism to obtain transaction feedback knot
Fruit；In step 304, purpose mechanism and other mechanism assists confirm payment and settlement request and return the result to purpose machine
Structure；In step 305, transaction feedback result is sent to and initiates mechanism 1 by purpose mechanism；In step 306, the instruction of transaction feedback result
Confirm successfully, initiates mechanism and apply retaining transaction voucher to the third-party institution；In step 307, the third-party institution is to purpose mechanism
Confirm transaction voucher；In step 308, the third-party institution preserves transaction voucher, and records one and initiate mechanism and purpose mechanism
Clearance relationship voucher；Step 309 third-party institution will transaction retain voucher and clear relationship voucher be sent to be related to it is all
Mechanism (including：Initiate mechanism, purpose mechanism and other mechanisms) it is merchandised with verification and retains voucher and clear the conjunction of relationship voucher
Method；Mechanism is initiated to processing after determining that the transaction retains voucher and clears the legitimacy of relationship voucher in step 310
The payment and settlement of user is asked；In step 311, initiate mechanism and purpose mechanism generate respectively the corresponding clearance of each mechanism with
Card, and the corresponding clearance voucher of each mechanism is issued into the approval to obtain the whole network in distributed account book and is deposited
Storage；In step 312, involved in clearance relationship to all mechanisms the inquiry of clearance voucher is carried out in distributed account book,
Confirm clearance relationship whether successful execution, simultaneously can be used for third-party institution's processing Transaction Disputes.
Fig. 4 is the structural schematic diagram according to the system 400 for carrying out payment and settlement based on block chain of embodiment of the present invention.
As shown in figure 4, the system 400 for carrying out payment and settlement based on block chain that embodiments of the present invention provide includes：Transaction voucher
Generation module 401, transaction feedback result acquisition module 402, transaction are retained voucher and clearance relationship voucher determining module 403, are closed
Method authentication module 404 and clearance module 405.Preferably, in the transaction voucher generation module 401, receive what user sent
Payment and settlement is asked, and is audited to payment and settlement request, and request to generate corresponding transaction according to the payment and settlement
Voucher, wherein the transaction voucher is the transaction record in block chain.
Preferably, wherein the transaction voucher includes：Customs Assigned Number, transaction voucher mark, asset addresses, the affiliated machine of user
The mechanism that the mark for other mechanisms that the mark of structure, transaction are related to, type of transaction, Asset Type, transaction limit, transaction are related to
Coalition signature and exchange hour stamp.Preferably, it is identified wherein obtaining the transaction voucher by hash algorithm.
Preferably, wherein the transaction voucher generation module, audits payment and settlement request, including：Judge
The user for submitting payment and settlement request whether be initiate the user of mechanism, including：If the use of the payment and settlement request
Family is the user for initiating mechanism, then judges whether the user of the payment and settlement request is entitled to payment and settlement service, such as
Fruit is then to be traded confirmation application, conversely, terminating payment and settlement service；If the user of the payment and settlement request is not
The user of mechanism is initiated, then inquires the account information for all mechanisms that the payment and settlement request is related to based on distributed account book,
And judge whether the account information meets the payment and settlement request, if it is satisfied, then it is traded confirmation application, conversely,
Terminate payment and settlement service.
Preferably, in the transaction feedback result acquisition module 402, when payment and settlement request audit passes through, hair
Send trade confirmation application to purpose mechanism to obtain transaction feedback result.
Preferably, wherein the system also includes：Transaction voucher signature blocks are used for before sending trade confirmation application,
It is individually signed to the transaction voucher, and purpose mechanism will be sent to by the transaction voucher individually signed.
Preferably, wherein the transaction feedback result acquisition module, determines transaction feedback as a result, including：Transaction feedback knot
Fruit determination unit, for according to the transaction voucher by individually signing, judging the legitimacy of the payment and settlement request of user,
If legal, coalition signature is carried out to the transaction voucher by individually signing, and determines that transaction feedback result is to confirm successfully；If
It is illegal, then directly determine that transaction feedback result is to confirm to fail.
Preferably, wherein the transaction feedback result acquisition module, determines transaction feedback as a result, including：Transaction feedback knot
Fruit determination unit, for confirming result according to the transaction request by the transaction voucher and other auxiliary bodies individually signed
The legitimacy for judging the payment and settlement request of user carries out coalition signature if legal to the transaction voucher by individually signing,
And determine that transaction feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
Preferably, voucher and clearance relationship voucher determining module 403 are retained in the transaction, when the transaction feedback result
When to confirm successfully, the transaction voucher by coalition signature is received, and by the retention of the transaction voucher by coalition signature
Request is sent to the third-party institution, to apply for that the third-party institution can give birth to according to the transaction voucher by coalition signature
Voucher and clearance relationship voucher are retained at corresponding transaction, so that the third-party institution can retain the transaction in block chain
Record.
Preferably, wherein the clearance relationship voucher, including：The mark of clearance relationship voucher, debit's authority identification, credit side
The coalition signature of type, the quantity that assets debt-credit occurs, credit side mechanism and the third-party institution that authority identification, assets debt-credit occur
And clearance relationship voucher timestamp.
Preferably, it wherein voucher and clearance relationship voucher determining module are retained in the transaction, receives by coalition signature
The retention of transaction voucher is asked, and generating corresponding transaction according to the transaction voucher by coalition signature retains voucher and clearance
Relationship voucher, including：Transaction voucher confirms application transmission unit and voucher generation unit.Confirm application hair in the transaction voucher
Unit, the third-party institution is sent to be related to payment and settlement request according to the transaction voucher by coalition signature all
Purpose mechanism send transaction voucher confirm application.In the voucher generation unit, the third-party institution receives the payment and settlement
The transaction confirmation message for asking all purpose mechanisms being related to return, with to the transaction voucher by coalition signature
Legitimacy is verified, if the transaction confirmation message be confirm successfully, that is, indicate the transaction by coalition signature with
The legitimate verification of card passes through, then according to the corresponding transaction retention voucher of the transaction voucher generation by coalition signature and clearly
Calculation relationship voucher.
Preferably, wherein the system also includes：Request refusal module, for being to confirm to lose when the transaction feedback result
When losing, refuse the payment and settlement request of user.
Preferably, it in the legitimate verification module 404, receives the transaction retention voucher that the third-party institution obtains and is closed with clearance
It is voucher, verifies the transaction and retain voucher and clear the legitimacy of relationship voucher.
Preferably, wherein the system also includes：Voucher is retained in clearance relationship voucher signature blocks and transaction and clearance closes
It is voucher sending module.It in the clearance relationship voucher signature blocks, signs, and is sent to described to clearance relationship voucher
The purpose mechanism that payment and settlement request is related to carries out coalition signature and confirmation to clearance relationship voucher.The transaction retain with
Card and clearance relationship voucher sending module, after indicating the coalition signature of the clearance relationship voucher and confirming successfully, to described
All mechanisms that payment and settlement request is related to send the transaction and retain voucher and clearance relationship voucher.
Preferably, it in the clearance module 405, is determining the transaction retention voucher and is clearing the legitimacy of relationship voucher
Afterwards, the payment and settlement request for handling user, is cleared based on distributed account book.
Preferably, wherein the system also includes：Voucher release module is cleared, in the institute arrived involved in clearance relationship
The transaction that some mechanisms receive third-party institution's transmission retains voucher with after clearance relationship voucher, generates each mechanism respectively and corresponds to
Clearance voucher, and the corresponding clearance voucher of each mechanism is issued in distributed account book to obtain recognizing for the whole network
It can and store.Preferably, wherein the clearance voucher includes：Clear voucher identification, liquidation assets type, assets transfer quantity,
It initiates authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp and the sources of the assets for initiating mechanism.
Preferably, wherein the system also includes：Clearance relationship confirmation module, in the institute arrived involved in clearance relationship
Whether some mechanisms carry out the inquiry of clearance voucher in distributed account book, confirm clearance relationship successful execution.
The system 400 and an alternative embodiment of the invention that payment and settlement is carried out based on block chain of the embodiment of the present invention
Based on block chain carry out payment and settlement method 100 it is corresponding, details are not described herein.
The present invention is described by reference to a small amount of embodiment.However, it is known in those skilled in the art, as
Defined by subsidiary Patent right requirement, in addition to the present invention other embodiments disclosed above are equally fallen the present invention's
In range.
Normally, all terms used in the claims are all solved according to them in the common meaning of technical field
It releases, unless in addition clearly being defined wherein.All references " one/described/be somebody's turn to do [device, component etc.] " are all opened ground
It is construed at least one of described device, component etc. example, unless otherwise expressly specified.Any method disclosed herein
Step need not all be run with disclosed accurate sequence, unless explicitly stated otherwise.
Claims (28)
1. a kind of method carrying out payment and settlement based on block chain, which is characterized in that the method includes：
The payment and settlement request that user sends is received, payment and settlement request is audited, and according to the payment and settlement
Corresponding transaction voucher is requested to generate, wherein the transaction voucher is the transaction record in block chain；
When payment and settlement request audit passes through, trade confirmation application is sent to purpose mechanism to obtain transaction feedback knot
Fruit；
When the transaction feedback result is to confirm successfully, the transaction voucher by coalition signature is received, and by described by joining
The retention request for closing the transaction voucher of signature is sent to the third-party institution, to apply for that the third-party institution can be according to the warp
The transaction voucher for crossing coalition signature generates corresponding transaction retention voucher and clearance relationship voucher, so that the third-party institution
The transaction record in block chain can be retained；
It receives the transaction that the third-party institution obtains and retains voucher and clearance relationship voucher, verify the transaction and retain voucher and clearance
The legitimacy of relationship voucher；
After determining that the transaction retains voucher and clears the legitimacy of relationship voucher, the payment and settlement request of user, base are handled
It is cleared in distributed account book.
2. according to the method described in claim 1, it is characterized in that, the transaction voucher includes：Customs Assigned Number, transaction voucher mark
The mark for other mechanisms that knowledge, asset addresses, the mark of user's institutional affiliation, transaction are related to, type of transaction, Asset Type, friendship
The coalition signature and exchange hour stamp for the mechanism that easy amount, transaction are related to.
3. according to the method described in claim 2, being identified it is characterized in that, obtaining the transaction voucher by hash algorithm.
4. according to the method described in claim 1, it is characterized in that, it is described to the payment and settlement request audit, including：
Judge to submit payment and settlement request user whether be initiate the user of mechanism, including：
If the user of the payment and settlement request is the user for initiating mechanism, judge that the user of the payment and settlement request is
It is no to be entitled to payment and settlement service, if it is, confirmation application is traded, conversely, terminating payment and settlement service；
If the user of the payment and settlement request is not the user for initiating mechanism, the payment is inquired based on distributed account book
The account information for all mechanisms that settlement request is related to, and judge whether the account information meets the payment and settlement request,
If it is satisfied, then confirmation application is traded, conversely, terminating payment and settlement service.
5. according to the method described in claim 1, it is characterized in that, the method further includes：
Before sending trade confirmation application, individually signed to the transaction voucher, and by by the transaction individually signed with
Card is sent to purpose mechanism.
6. according to the method described in claim 5, it is characterized in that, the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism judges the legitimacy of the payment and settlement request of user according to the transaction voucher by individually signing, if
It is legal, then coalition signature is carried out to the transaction voucher by individually signing, and determine that transaction feedback result is to confirm successfully；If no
It is legal, then directly determine that transaction feedback result is to confirm to fail.
7. according to the method described in claim 5, it is characterized in that, the purpose mechanism determines transaction feedback as a result, including：
Purpose mechanism confirms that result is sentenced according to the transaction request by the transaction voucher and other auxiliary bodies individually signed
The legitimacy of the payment and settlement request of disconnected user carries out coalition signature if legal to the transaction voucher by individually signing, and
Determine that transaction feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
8. the method described according to claim 6 or 7, which is characterized in that the method further includes：
When the transaction feedback result is to confirm failure, refuse the payment and settlement request of user.
9. according to the method described in claim 1, it is characterized in that, the clearance relationship voucher includes：Clearance relationship voucher
Quantity, the credit side mechanism of type, assets debt-credit generation that mark, the debt-credit of debit's authority identification, credit side's authority identification, assets occur
With the coalition signature and clearance relationship voucher timestamp of the third-party institution.
10. according to the method described in claim 1, it is characterized in that, third-party institution processing is described to pass through coalition signature
Transaction voucher retention request, and obtain transaction retain voucher and clearance relationship voucher the step of include：
The third-party institution is related to according to the transaction voucher by coalition signature to payment and settlement request all
Purpose mechanism sends transaction voucher and confirms application；
The third-party institution receives the transaction confirmation message that all purpose mechanisms that the payment and settlement request is related to return, with
The legitimacy of the transaction voucher by coalition signature is verified, if the transaction confirmation message is to confirm successfully,
Indicate that the legitimate verification of the transaction voucher by coalition signature passes through, then according to the transaction by coalition signature
Voucher generates corresponding transaction and retains voucher and clearance relationship voucher.
11. according to the method described in claim 1, it is characterized in that, the method further includes：
The third-party institution signs to clearance relationship voucher, and is sent to the payment and settlement and asks the purpose mechanism being related to
Coalition signature and confirmation are carried out to clearance relationship voucher；
After indicating that the clearance relationship voucher carries out coalition signature and confirms successfully, the third-party institution ties to the payment
It calculates all mechanisms that request is related to and sends the transaction retention voucher and clearance relationship voucher.
12. according to the method for claim 11, which is characterized in that the method further includes：
Involved in clearance relationship to all mechanisms receive the transaction of third-party institution's transmission and retain voucher and clearance relationship
After voucher, the corresponding clearance voucher of each mechanism is generated respectively, and by the corresponding clearance voucher of each mechanism in distribution
The approval to obtain the whole network and storage are issued in account book.
13. according to the method for claim 12, which is characterized in that the method further includes：
Involved in clearance relationship to all mechanisms carried out in distributed account book clearance voucher inquiry, confirm clearance close
System's whether successful execution.
14. according to the method for claim 12, which is characterized in that the clearance voucher includes：Clear voucher identification, clearance
Asset Type, assets transfer quantity, initiate authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp with
And initiate the sources of the assets of mechanism.
15. a kind of system carrying out payment and settlement based on block chain, which is characterized in that the system comprises：
Transaction voucher generation module, the payment and settlement request for receiving user's transmission, examines payment and settlement request
Core, and corresponding transaction voucher is requested to generate according to the payment and settlement, wherein the transaction voucher is the transaction in block chain
Record；
Transaction feedback result acquisition module, for when payment and settlement request audit passes through, sending trade confirmation application extremely
Purpose mechanism is to obtain transaction feedback result；
Voucher and clearance relationship voucher determining module are retained in transaction, for when the transaction feedback result is to confirm successfully, connecing
The transaction voucher by coalition signature is received, and the retention of the transaction voucher by coalition signature request is sent to third party
Mechanism is retained with applying for that the third-party institution can generate corresponding transaction according to the transaction voucher by coalition signature
Voucher and clearance relationship voucher, so that the third-party institution can retain the transaction record in block chain；
Legitimate verification module, the transaction for receiving third-party institution's acquisition retain voucher and clearance relationship voucher, verify institute
Transaction is stated to retain voucher and clear the legitimacy of relationship voucher；
Module is cleared, for after determining that the transaction retains voucher and clears the legitimacy of relationship voucher, handling the branch of user
Settlement request is paid, is cleared based on distributed account book.
16. system according to claim 15, which is characterized in that the transaction voucher includes：Customs Assigned Number, transaction voucher
The mark of other mechanisms that mark, asset addresses, the mark of user's institutional affiliation, transaction are related to, type of transaction, Asset Type,
The coalition signature and exchange hour stamp for the mechanism that transaction limit, transaction are related to.
17. system according to claim 16, which is characterized in that obtain the transaction voucher by hash algorithm and identify.
18. system according to claim 15, which is characterized in that the transaction voucher generation module ties the payment
Request is calculated to be audited, including：
Judge to submit payment and settlement request user whether be initiate the user of mechanism, including：
If the user of the payment and settlement request is the user for initiating mechanism, judge that the user of the payment and settlement request is
It is no to be entitled to payment and settlement service, if it is, confirmation application is traded, conversely, terminating payment and settlement service；
If the user of the payment and settlement request is not the user for initiating mechanism, the payment is inquired based on distributed account book
The account information for all mechanisms that settlement request is related to, and judge whether the account information meets the payment and settlement request,
If it is satisfied, then confirmation application is traded, conversely, terminating payment and settlement service.
19. system according to claim 15, which is characterized in that the system also includes：
Transaction voucher signature blocks, for before sending trade confirmation application, individually being signed to the transaction voucher, and will
It is sent to purpose mechanism by the transaction voucher individually signed.
20. system according to claim 19, which is characterized in that the transaction feedback result acquisition module determines transaction
Feedback result, including：
Transaction feedback result determination unit, for according to the transaction voucher by individually signing, judging the payment knot of user
The legitimacy for calculating request carries out coalition signature, and determine transaction feedback knot if legal to the transaction voucher by individually signing
Fruit is to confirm successfully；If illegal, directly determine that transaction feedback result is to confirm to fail.
21. system according to claim 19, which is characterized in that the transaction feedback result acquisition module determines transaction
Feedback result, including：
Transaction feedback result determination unit, for according to the friendship for passing through the transaction voucher and other auxiliary bodies individually signed
Easy request confirmation result judges the legitimacy of the payment and settlement request of user, if legal, the transaction individually signed to process with
Card carries out coalition signature, and determines that transaction feedback result is to confirm successfully；If illegal, directly determine that transaction feedback result is
Confirm failure.
22. the system according to claim 20 or 21, which is characterized in that the system also includes：
Request refusal module, for when the transaction feedback result is to confirm failure, refusing the payment and settlement request of user.
23. system according to claim 15, which is characterized in that the clearance relationship voucher, including：Clearance relationship voucher
Mark, debit's authority identification, credit side's authority identification, assets debt-credit occur type, assets debt-credit occur quantity, Dai Fangji
The coalition signature and clearance relationship voucher timestamp of structure and the third-party institution.
24. system according to claim 15, which is characterized in that voucher is retained in the transaction and clearance relationship voucher determines
Module receives the retention request by the transaction voucher of coalition signature, is generated according to the transaction voucher by coalition signature
Voucher and clearance relationship voucher are retained in corresponding transaction, including：
Transaction voucher confirms application transmission unit, for the third-party institution according to the transaction voucher by coalition signature to institute
It states all purpose mechanisms that payment and settlement request is related to and sends transaction voucher confirmation application；
Voucher generation unit receives all purpose mechanisms that the payment and settlement request is related to for the third-party institution and returns
Transaction confirmation message, verified with the legitimacy to the transaction voucher by coalition signature, if the transaction is true
It is to confirm successfully to recognize message, that is, indicates that the legitimate verification of the transaction voucher by coalition signature passes through, then according to
Corresponding transaction, which is generated, by the transaction voucher of coalition signature retains voucher and clearance relationship voucher.
25. system according to claim 15, which is characterized in that the system also includes：
Clearance relationship voucher signature blocks for signing to clearance relationship voucher, and are sent to the payment and settlement request
The purpose mechanism being related to carries out coalition signature and confirmation to clearance relationship voucher；
Voucher and clearance relationship voucher sending module are retained in transaction, in the coalition signature for indicating the clearance relationship voucher and
After confirming successfully, all mechanisms being related to payment and settlement request send the transaction retention voucher and clearance relationship
Voucher.
26. system according to claim 25, which is characterized in that the system also includes：
Clear voucher release module, for involved in clearance relationship to all mechanisms receive the third-party institution transmission friendship
After easily retaining voucher and clearance relationship voucher, the corresponding clearance voucher of each mechanism is generated respectively, and by each mechanism pair
The clearance voucher answered is issued approval and storage to obtain the whole network in distributed account book.
27. system according to claim 26, which is characterized in that the system also includes：
Clearance relationship confirmation module, for involved in clearance relationship to all mechanisms cleared in distributed account book
Whether the inquiry of voucher confirms clearance relationship successful execution.
28. system according to claim 26, which is characterized in that the clearance voucher includes：Clear voucher identification, clearance
Asset Type, assets transfer quantity, initiate authority identification, purpose authority identification, initiate authority signature, clearance voucher timestamp with
And initiate the sources of the assets of mechanism.
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