CN110458557B - Payment method, payment equipment and storage medium - Google Patents
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- CN110458557B CN110458557B CN201910594335.3A CN201910594335A CN110458557B CN 110458557 B CN110458557 B CN 110458557B CN 201910594335 A CN201910594335 A CN 201910594335A CN 110458557 B CN110458557 B CN 110458557B
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- 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
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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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention provides a payment method, a device and a storage medium, which are characterized by comprising the following steps: receiving and executing a first transaction sent by a payer terminal to store a first payment certificate to the blockchain system; receiving and executing a collection request transaction sent by a collection party terminal to decrypt payment signature information through a first public key of a payer so as to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate or not; if yes, judging whether the collection amount is smaller than a first amount set by the payer: if yes, password-free payment is carried out; if not, the payment fails and a payment result is generated so that the payer terminal can send a payment confirmation transaction according to the payment result and then pay. The payment voucher code is set for verification of the payee, the related information of the payer is generated into the payment code for the payee to collect, the payment is efficiently completed, the payment safety is guaranteed, and meanwhile, the function of confirming-free payment of small amount of the block chain is achieved.
Description
Technical Field
The present application relates to the field of communication technologies based on block chains, and in particular, to a payment method, a payment device, and a storage medium.
Background
In the transfer in the current block chain technology, value transfer of transfer transaction from one block chain address to another block chain address is usually directly initiated to a block chain through a digital wallet, the transfer payment mode is complex, and for a payee who is a commercial organization (such as a supermarket), the transfer mode needs to be associated with a commodity selling process, so that the process operation is more complex, the transfer mode cannot be unified with the existing mobile payment mode, and obstacles are brought to the use consistency of people or the process consistency of a collection system.
Disclosure of Invention
In view of the above-mentioned shortcomings or drawbacks of the prior art, it is desirable to provide a payment method, apparatus and storage medium that are efficient and convenient.
In a first aspect, the present invention provides a payment method, the method being applicable to a blockchain node, comprising:
receiving and executing a first transaction sent by a payer terminal to store a first payment certificate to the blockchain system; wherein the first transaction comprises a first payment credential, the first payment credential being valid for a single time;
receiving and executing a collection request transaction sent by a collection party terminal to decrypt the payment signature information through a first public key of a payer so as to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate or not;
if yes, judging whether the amount of money collected is less than the first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal can send a payment confirmation transaction according to the payment result and then pay; wherein the payment confirmation transaction includes the second account address, the second contract account, and the collect amount;
the payment request transaction comprises a payment amount, a first account address of a payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by the payee terminal, and the payment signature information is generated by the payer terminal through a first private key corresponding to the first public key to sign the first payment certificate.
Further, making password-free payments includes: determining whether the balance of the first contract account is greater than the collection amount:
the method comprises the step of transferring the collection amount from the first contract account to a second contract account of the receiver so that the receiver terminal can extract the second account address of the receiver.
Further, before receiving and executing the first transaction sent by the payer terminal to store the first payment certificate, the method further comprises the following steps:
and receiving and executing the confirmation-free quota transaction sent by the payer terminal to determine the first quota set by the payer for payment without confirmation.
Further, the method also includes:
the second amount remaining in the first contract account is returned to the first account address.
Further, the method further comprises:
and receiving and executing the balance return transaction sent by the payer terminal to return the third amount remaining in the first contract account to the first account address according to the balance return transaction.
Further, if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then the payment comprises the following steps:
receiving a second transaction sent by the payer terminal according to the payment result, so that the payer can transfer a fourth amount to the first contract account according to the collection amount, and the collection amount can be extracted to a second account address by the payee terminal; wherein the second transaction includes the first contract account and the first payment credential.
And receiving and executing a payment confirmation transaction sent by the payer terminal to the block link point so as to transfer the collection amount from the first contract account to the second contract account.
Further, the fourth amount is not less than the amount of the collection.
In a second aspect, the present invention also provides a payment method, which is applied to a payer terminal, and includes:
sending a first transaction to the block chain node for the block chain node to execute the first transaction so as to store a first payment certificate in the block chain system, receiving and executing a collection request transaction sent by a collector terminal so as to decrypt the payment signature information through a first public key of a payer to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate or not:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays; the payment request transaction comprises a payment amount, a first account address of a payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a first payment certificate signature of the payer terminal through a first private key corresponding to the first public key; the payment confirmation transaction includes the second account address, the second contract account, and the collection amount.
Further, before sending the first transaction to the blockchain node for the blockchain node to execute the first transaction to store the first payment certificate to the blockchain system, the method further includes:
and sending the payment amount exemption transaction to the block link point so as to determine the payment amount exemption first set by the payer.
Further, the method further comprises:
and sending the balance return transaction to the block link point for executing the balance return transaction and returning the third amount remaining in the first contract account to the first account address according to the balance return transaction.
In a third aspect, the present invention further provides a payment method, which is applied to a payee terminal, and the method includes: sending a receipt request transaction to the blockchain node for execution by the blockchain node to decrypt the payment signature information through the first public key of the payer to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays; the payment request transaction comprises a payment amount, a first account address of a payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a first payment certificate signature of the payer terminal through a first private key corresponding to the first public key; the payment confirmation transaction includes the second account address, the second contract account, and the collection amount.
In a fourth aspect, the present invention also provides an apparatus comprising one or more processors and memory, wherein the memory contains instructions executable by the one or more processors to cause the one or more processors to perform a payment method provided according to embodiments of the present invention.
In a fifth aspect, the present invention also provides a storage medium storing a computer program that causes a computer to execute a payment method provided according to embodiments of the present invention.
The invention has the advantages of
The payment method, the device and the storage medium provided by the embodiments of the invention set the payment voucher code for the verification of the payee through the payer, and generate the related information of the payer into the payment code for the payee to collect, thereby ensuring the payment safety while efficiently completing the payment, and simultaneously, the invention also realizes the functions of small amount secret-free payment and large amount confirmation payment through setting the payment-free limit of the intelligent contract.
Drawings
Other features, objects and advantages of the present application will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, made with reference to the accompanying drawings in which:
fig. 1 is a flowchart of a payment method according to an embodiment of the present invention.
FIG. 2 is a flow chart of a preferred embodiment of the method of FIG. 1.
Fig. 3 is a flow chart of a preferred embodiment provided by the present invention.
FIG. 4 is a flow diagram of a preferred embodiment of the method of FIG. 1.
Fig. 5 is a flow chart of another payment method according to an embodiment of the present invention.
FIG. 6 is a flow chart of a preferred embodiment of the method shown in FIG. 5.
FIG. 7 is a flow chart of a payment method according to another embodiment of the present invention
Fig. 8 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
It should be noted that, in the present application, the embodiments and features of the embodiments may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Fig. 1 is a flowchart of a payment method according to an embodiment of the present invention.
As shown in fig. 1, in this embodiment, the present invention provides a payment method, which is applied to a blockchain node, and includes:
s11, receiving and executing the first transaction sent by the payer terminal to store the first payment certificate to the blockchain system; wherein the first transaction comprises a first payment credential, the first payment credential being valid for a single time;
s12, receiving and executing a collection request transaction sent by a collector terminal to decrypt the payment signature information through the first public key of the payer so as to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate;
if yes, judging whether the amount of money collected is less than the first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays;
wherein the payment confirmation transaction includes the second account address, the second contract account, and the collect amount; the payment request transaction comprises a payment amount, a first account address of the payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by the payee terminal, and the payment signature information is generated by the payer terminal through a first private key corresponding to the first public key to sign the first payment certificate.
Specifically, taking as an example that a payer a pays a certain asset s to a payee B: the method comprises the steps that a payer A sends a first transaction tx1 containing a first payment certificate m to a block chain point, the block chain point records a block chain system after executing a first transaction tx1, a payee B scans a payment code of the payer A (the payment code contains first account address information, a first contract account and payment signature information of the payer A), initiates request information for deducting money from an intelligent contract, wherein the request information contains payment signature information obtained by code scanning and signed by a first private key A, after the intelligent contract receives the request information, a second payment certificate n is obtained by decrypting a first public key of the payer A, whether the first payment certificate m is consistent with the second payment certificate n is judged, if yes, the payee B is proved to have a right to deduct money from the first contract account, and then the intelligent contract judges whether a collection amount S is within a set payment exemption amount first amount S, if yes, the deduction is successful, if not, the password-free payment fails, a payment result is generated and recorded on the blockchain, and a large amount confirmation process is executed, namely the payer A acquires the payment result from the blockchain system and then sends a payment confirmation transaction to confirm the payment; the payment result includes information of payment failure, address information of a payee, information of a collection amount and the like, and the first payment certificate m is only valid in the current transaction.
In more embodiments, the first payment credential m is invalidated after the set time is exceeded or the transaction is completed in step S11, and the first transaction needs to be resent for storing a new first payment credential.
In further embodiments, in step S12, the payment signature information may be the first payment credential m signed by the first private key, or may be the first payment credential m, the first account address, and the first contract account signed together by the first private key, and is not limited by the description of the above embodiments.
FIG. 2 is a flow chart of a preferred embodiment of the method of FIG. 1. As shown in fig. 2, step 12, yes, then making the password-free payment includes:
s121, judging whether the balance of the first contract account is larger than the collection amount:
the method comprises the steps of transferring the collection amount from a first contract account to a second contract account of a collector so that the second contract account can be extracted to a second account address of the collector by a collector terminal.
Specifically, after the collection amount is determined to be smaller than the first limit of the password-free payment confirmation, if the second payment certificate n obtained after decryption is verified to be consistent with the first payment certificate, the payee B can be determined to be a real payee, the first limit which is not larger than the password-free payment confirmation is obtained from the first contract account of the payer a, then the intelligent contract continuously determines whether the balance x in the first contract account of the payer a exceeds the collection amount, and if the balance x exceeds the collection amount, the collection amount s is deducted from the first contract account of the payer a and the second contract account of the payee B is transferred; if the balance x of the first contract account is not sufficient, the password-free payment fails. In further embodiments, payer A may inject an amount x into the first contract account in the smart contract prior to payment to satisfy the requirement of privacy-free payment as much as possible, to achieve a more rapid and secure transfer completion.
Fig. 3 is a flow chart of a preferred embodiment provided by the present invention. As shown in fig. 3, in a preferred embodiment, the method further includes:
and S10, receiving and executing the confirmation-free credit transaction sent by the payer terminal to determine the first credit set by the payer for payment without confirmation.
Specifically, in step S10, payer a may set the first amount of payment that is not confirmed before the current payment, or may set the first amount at other stages. In further embodiments, the first credit set may be sent by the payer to a block link point to change the credit at any time.
In further embodiments, the method further comprises: and S13, receiving and executing the balance return transaction sent by the payer terminal to return the third amount left in the first contract account to the first account address according to the balance return transaction. Furthermore, the first contract can directly return the remaining balance to the first account address of the payer after deducting the collection amount in the first contract account, and the payer is not required to send the request transaction again.
Specifically, after the payer a successfully pays the payee B a certain asset x, the payer a terminal may send a balance return transaction to the block node, and retrieve the remaining funds from the first contract account. Further, the method may further comprise: after receiving the money in the second contract account, the payee B may extract the amount of money to be collected from the second contract account into its second account address.
In a preferred embodiment, the intelligent contract may return the remaining funds directly to the payee's first contract account after the transfer of the amount of money to be collected from the first contract account to the payee's second contract account, without the need for payer a to resend the transaction application.
FIG. 4 is a flow diagram of a preferred embodiment of the method of FIG. 1. As shown in fig. 4, in a preferred embodiment, step S12, no, failing to pay and generating a payment result for the payer terminal to send a payment confirmation transaction according to the payment result, wherein the payment includes:
s122, receiving a second transaction sent by the payer terminal according to the payment result so that the payer transfers a fourth amount to the first contract account according to the collection amount so that the payee terminal extracts the collection amount to a second account address; wherein the second transaction includes the first contract account and the first payment credentials;
and S123, receiving and executing the payment confirmation transaction sent by the payer terminal to the block link point so as to transfer the collection amount from the first contract account to the second contract account.
Specifically, if the collection amount s exceeds the set password-free payment limit, the payment fails and a payment result is generated and recorded on the blockchain, after the terminal of the payer A acquires the payment result of the payment failure from the blockchain system, a second transaction is sent to the blockchain node to inject funds of a fourth amount, and the payment confirmation transaction is sent to enable the intelligent contract to directly deduct the collection amount s from the first contract account and transfer the collection amount s into the second contract account of the payee B.
In a preferred embodiment, the fourth amount may be a collection amount or other amount, as long as the balance of the first contract account exceeds the collection amount after the fourth amount is filled.
Fig. 5 is a flow chart of another payment method according to an embodiment of the present invention. As shown in fig. 5, in a preferred embodiment, a payment method, which is applied to a payer terminal, includes:
s21, sending the first transaction to the blockchain node for the blockchain node to execute the first transaction to store the first payment certificate to the blockchain system, receiving and executing a receipt request transaction sent by the payee terminal to decrypt the payment signature information through the first public key of the payer to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays; the payment request transaction comprises a payment amount, a first account address of a payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a first payment certificate signature of the payer terminal through a first private key corresponding to the first public key; the payment confirmation transaction includes the second account address, the second contract account, and the collection amount.
Specifically, the payment principle of the method shown in fig. 5 is consistent with that of the method shown in fig. 1, and is not described herein again.
FIG. 6 is a flow chart of a preferred embodiment of the method shown in FIG. 5. As shown in fig. 6, the method further includes:
s20, sending transaction of exempt from confirmation credit to block link point for determining first credit set by payer for exempt from confirmation payment.
Specifically, the principle of the method shown in fig. 6 is the same as that of the method shown in fig. 3, and is not described herein again.
In a preferred embodiment, the method further comprises:
and sending the balance return transaction to the block link point for executing the balance return transaction and returning the third amount remaining in the first contract account to the first account address according to the balance return transaction.
Specifically, after the payer a successfully pays the payee B a certain asset x, the payer a terminal may send a balance return transaction to the block node, and retrieve the remaining funds from the first contract account.
In a preferred embodiment, the intelligent contract may return the remaining funds directly to the payee's first contract account after the transfer of the amount of money to be collected from the first contract account to the payee's second contract account, without the need for payer a to resend the transaction application.
In further embodiments, the method may further comprise: after receiving the money in the second contract account, the payee B may extract the amount of money to be collected from the second contract account into its second account address.
Fig. 7 is a flowchart of a payment method according to another embodiment of the present invention. In a preferred embodiment, as shown in fig. 7, a payment method is applied to a payee terminal, the method comprising:
s31, sending the receipt request transaction to the blockchain node for execution by the blockchain node to decrypt the payment signature information with the first public key of the payer to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal can send a payment confirmation transaction according to the payment result and then pay; the payment request transaction comprises a payment amount, a first account address of a payer, a first contract account and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a first payment certificate signature of the payer terminal through a first private key corresponding to the first public key; the payment confirmation transaction includes the second account address, the second contract account, and the collection amount.
Fig. 8 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
As shown in fig. 8, as another aspect, the present application also provides an apparatus 800 including one or more Central Processing Units (CPUs) 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the apparatus 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, according to an embodiment of the present disclosure, the payment method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing a payment method. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811.
As yet another aspect, the present application also provides a computer-readable storage medium, which may be the computer-readable storage medium included in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the payment methods described herein.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software or hardware. The described units or modules may also be provided in a processor, for example, each of the described units may be a software program provided in a computer or a mobile intelligent device, or may be a separately configured hardware device. Wherein the designation of a unit or module does not in some way constitute a limitation of the unit or module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention herein disclosed is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.
Claims (11)
1. A payment method, said method being applicable to a blockchain node, comprising:
receiving and executing a first transaction sent by a payer terminal to store a first payment certificate to the blockchain system; wherein the first transaction includes the first payment credential, the first payment credential being valid for a single time;
receiving and executing a collection request transaction sent by a collection party terminal to decrypt payment signature information through a first public key of a payer so as to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate or not;
if yes, judging whether the collection amount is smaller than a first amount set by the payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal can send a payment confirmation transaction according to the payment result and then pay; wherein the payment confirmation transaction includes a second account address, the second contract account, and the collection amount; the collection request transaction includes a collection amount, a first account address of the payer, a first contract account, and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by the payer terminal by signing the first payment certificate through a first private key corresponding to the first public key.
2. The method of claim 1, wherein the payment comprises: determining whether the balance of the first contract account is greater than the collection amount:
and if so, transferring the collection amount from the first contract account to a second contract account of the receiver so that the receiver terminal can extract the second account address of the receiver.
3. The method of claim 1, further comprising:
and receiving and executing the confirmation-free credit transaction sent by the payer terminal to determine the first credit set by the payer for payment without confirmation.
4. The method of claim 2, further comprising:
and receiving and executing the balance return transaction sent by the payer terminal so as to return the third amount remained in the first contract account to the first account address according to the balance return transaction.
5. The method as claimed in any one of claims 1 to 4, wherein said no, payment failure and generation of payment result for payment after the payer terminal sends payment confirmation transaction according to the payment result comprises:
receiving a second transaction sent by the payer terminal according to the payment result so that the payer can transfer a fourth amount to the first contract account according to the collection amount so that the payee terminal can extract the collection amount to the second account address; wherein the second transaction includes the first contract account and the first payment credentials;
and receiving and executing the payment confirmation transaction sent by the payer terminal to the block chain node for transferring the collection amount from the first contract account to the second contract account.
6. A payment method, said method being adapted for a payer terminal, comprising:
sending a first transaction to a block chain node for the block chain node to execute the first transaction to store a first payment certificate to a block chain system, receiving and executing a collection request transaction sent by a collector terminal to decrypt payment signature information through a first public key of a collector to obtain a second payment certificate, and verifying whether the second payment certificate is the same as the first payment certificate:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by a payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays; wherein the collect request transaction includes a collect amount, a first account address of the payer, a first contract account, and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a payer terminal through a first private key corresponding to the first public key to sign the first payment certificate; the payment confirmation transaction includes a second account address, the second contract account, and the collection amount.
7. The method of claim 6, further comprising:
and sending the confirmation-free credit transaction to the block chain node so as to determine the first credit set by the payer for payment without confirmation.
8. The method according to claim 6 or 7, characterized in that the method further comprises:
and sending a balance return transaction to the blockchain node for executing the balance return transaction and returning a third amount remaining in the first contract account to the first account address according to the balance return transaction.
9. A payment method, said method being adapted for a payee terminal, characterized by:
sending a receipt request transaction to a blockchain node for execution by the blockchain node to decrypt payment signature information with a first public key of a payer to obtain a second payment credential, and verifying whether the second payment credential is the same as the first payment credential:
if yes, the block link point executes the steps of: judging whether the collection amount is smaller than a first amount set by a payer:
if yes, password-free payment is carried out;
if not, the payment fails and a payment result is generated so that the payer terminal sends a payment confirmation transaction according to the payment result and then pays; wherein the collect request transaction includes a collect amount, a first account address of the payer, a first contract account, and payment signature information; the first account address, the first contract account and the payment signature information are obtained by scanning a payment code by a payee terminal, and the payment signature information is generated by a payer terminal through a first private key corresponding to the first public key to sign the first payment certificate; the payment confirmation transaction includes a second account address, the second contract account, and the collection amount.
10. An apparatus, characterized in that the apparatus comprises:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method recited in any of claims 1-9.
11. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-9.
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| CN110992172B (en) * | 2019-12-04 | 2024-03-29 | 杭州复杂美科技有限公司 | Offline payment method, device and storage medium |
| CN111192369A (en) * | 2020-01-16 | 2020-05-22 | 西安艾润物联网技术服务有限责任公司 | Parking fee payment method, parking management device and storage medium |
| CN111476671A (en) * | 2020-04-08 | 2020-07-31 | 杭州复杂美科技有限公司 | Block chain rollback insurance method, equipment and storage medium |
| CN112132583A (en) * | 2020-08-14 | 2020-12-25 | 中信银行股份有限公司 | Transaction processing method and device of block chain, electronic equipment and readable storage medium |
| CN112884466A (en) * | 2020-09-23 | 2021-06-01 | 周海婷 | Block chain link point verification method applied to block chain payment and readable storage medium |
| CN112581117A (en) * | 2020-12-10 | 2021-03-30 | 中国银联股份有限公司 | Payment method, collection device, payment device and storage medium |
| CN112651053B (en) * | 2020-12-30 | 2024-08-27 | 飞天诚信科技股份有限公司 | Secret-free operation method and device for block chain terminal equipment |
| CN113052599B (en) * | 2021-03-31 | 2024-05-28 | 中国人民银行数字货币研究所 | Method, device, equipment and system for generating, verifying and storing transaction certificates |
| CN113627943A (en) * | 2021-07-19 | 2021-11-09 | 苏州市企淘网络科技有限公司 | Payment system of industrial product transaction platform |
| CN113807832A (en) * | 2021-09-17 | 2021-12-17 | 平安国际智慧城市科技股份有限公司 | Transaction method, device and equipment based on block chain and readable storage medium |
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