CN110490571A - A kind of monthly payment plan method, apparatus, equipment and medium - Google Patents
A kind of monthly payment plan method, apparatus, equipment and medium Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- 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
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The application provides a kind of monthly payment plan method, is applied in block chain network, this method comprises: first or second user node uploads the first contract information for signing contract to block chain network；Ensuring funds account of first user node into block chain network uploads the target numerical value of contract；Service node obtains the consumer record that the first user node is consumed according to the first contract information；Service node uploads consumer record to block chain network, includes spending amount in consumer record；Node is handled according to spending amount, is transferred accounts from ensuring funds account to second user node, is withholdd with realizing；Processing node uploads the record of withholing withholdd to block chain network.The application also provides a kind of device, electronic equipment and computer storage medium.This method signs intelligent contract by block chain technology between both parties, and pays by instalments according to the offer of service, to carry out trustship to target numerical value in the scheme of disposable advance payment, has ensured buyer's equity.
Description
Technical field
The present invention relates to field of computer technology, more specifically to a kind of monthly payment plan method, apparatus, equipment and
Medium.
Background technique
With the development of the means of payment such as mobile payment, can be consumed in several ways between buyer and seller
, in certain industries, there is disposable pre-payment, are performed in multiple times the mode of consumption later in clearing, such as handle hair-cutting card, or
Service is enjoyed in gymnasium member card etc., buyer's lump-sum payment several times later, and consumption deducts this from the fund of prepayment every time
Secondary spending amount.
In general, businessman likes releasing the scheme of above-mentioned disposable advance payment as marketing activity, to promote sales volume,
The price that single service can also be reduced by way of such package sale simultaneously, is conducive to consumer's interests；However, primary
Property advance payment mode make buyer's equity hardly result in guarantee, for example, buyer, which prepays 1 year expense, handles gymnasium member
Card closes down after as a result gymnasium half a year, causes the puzzlement of right-safeguarding to buyer.Cause in disposable advance payment scheme, buyer
It is clashed with the equity of seller.
In the prior art, there are no a kind of technical solutions to be able to solve the above problem.
Summary of the invention
In view of this, to solve the above problems, technical solution provided by the invention is as follows:
A kind of monthly payment plan method is applied in block chain network, includes the first user node, the in block chain network
Two user nodes, service node and processing node；
The method, comprising:
First user node or the second user node upload the first user and second user to block chain network
The first contract information corresponding with target event is signed, described first is synchronized with all nodes in the block chain network and closes
About information；
Ensuring funds account of first user node into the block chain network uploads the target of the target event
Numerical value；
The service node obtains first user node and the associated consumer record of the first contract information, described
Comprising consumption numerical value in consumer record, the consumption numerical value is less than or equal to the target numerical value；
The service node uploads the consumer record to the block chain network；
The processing node is carried out from the ensuring funds account to the second user node according to the consumption numerical value
Numerical value transfer；
The processing node synchronizes the numerical value transfer record in the block chain network.
A kind of monthly payment plan device, which is characterized in that be applied in block chain network, include first in block chain network
User node, second user node, service node and processing node；
Described device, comprising:
First uploading unit, first uploading unit are used to upload the first user and second user label to block chain network
The first contract information corresponding with target event is ordered, synchronizes first contract with all nodes in the block chain network
Information；
Second uploading unit, second uploading unit upload institute for the ensuring funds account into the block chain network
State the target numerical value of target event；
Acquiring unit, the acquiring unit is used to obtain first user node and first contract information is associated
Consumer record, comprising consumption numerical value in the consumer record, the consumption numerical value is less than or equal to the target numerical value；
Third uploading unit, Xiang Suoshu block chain network upload the consumer record；
It transfers accounts unit, the unit of transferring accounts is for according to the consumption numerical value, to described the from the ensuring funds account
Two user nodes carry out numerical value transfer；
4th uploading unit, the 4th uploading unit in the block chain network for synchronizing the numerical value transfer note
Record.
Optionally, second uploading unit is also used to:
Second and about ID is uploaded to the block chain network while uploading the target numerical value；
Described device further includes judging unit, and the judging unit is used for:
As described first and about ID and described second and about ID is identical, and the target numerical value is equal to the target total value
When, the processing node determines that first contract information comes into force；
Come into force record and timestamp information is written in the processing node in first contract information, obtains the second contract
Information；
Institute's second uploading unit is also used to:
It states processing node and second contract information is sent to described block chain network the whole network.
Optionally, first contract information further include: the first User ID, second user ID, Transaction Name, monthly payment plan
Mode and at least one of condition of withholing；
The service node obtains first user node and is remembered according to the consumption that first contract information is consumed
Record, comprising:
When condition of withholing described in the satisfaction, the service node obtains first user according to the installment payment
The consumer record of ID.
Optionally, the third uploading unit, is also used to:
The service node uploads the first data to the block chain network, and first data include the contract information
First and about ID, current consumption met withhold condition and service details, so that the node in the block chain network exists
Collects the first data according to timestamp in preset time, and by the data after summarizing after being summarized according to described first and about ID
It is synchronized to block chain.
Optionally, the first public key ID and the first private key cryptographic, the second user are provided in first user node
The second public key ID and the second private key cryptographic are provided in node；Wherein, the first public key ID is first User ID, described
Second public key ID is denoted as the second user ID,
Before first user node uploads data to the block chain network, it is close to need to input first private key
Code；
Before the second user node uploads data to the block chain network, it is close to need to input second private key
Code.
It optionally, further include that contract completes condition in first contract information；
Described device further includes the first termination unit, and the first termination unit is used for:
When meeting the contract completion condition, contract is written in the first contract information and completes feelings for the processing node
Condition obtains third contract information；
The third contract information is synchronized to the block chain network by the processing node；
After other nodes in the block chain network receive the third contract information, the third is requested if being received again by
The consumer behavior of contract information returns to failure.
It optionally, further include that contract stops condition in first contract information；
Described device further includes the second termination unit, and the second termination unit is used for:
When meeting the contract suspension condition, contract is written in the first contract information and stops feelings for the processing node
Condition obtains the 4th contract information；
4th contract information is synchronized to the block chain network by the processing node；
Target numerical value remaining in the ensuring funds account is returned to first user node by the processing node.
A kind of computer equipment, the computer equipment include: interactive device, input/output (I/O) interface, processor
And memory, program instruction is stored in the memory；
The interactive device is used to obtain the operational order of user's input；
The processor executes the side as described in above-mentioned any one for executing the program instruction stored in memory
Method.
A kind of computer readable storage medium, including instruction, when described instruction is run on a computing device, so that institute
State method of the computer equipment execution as described in above-mentioned any one.
A kind of monthly payment plan method provided herein is applied in block chain network, includes in block chain network
First user node, second user node, service node and processing node；The method, comprising: first user node or
The second user node uploads the first user to block chain network and second user is signed corresponding with target event first and closed
About information synchronizes first contract information with all nodes in the block chain network；First user node to
Ensuring funds account in the block chain network uploads the target numerical value of the target event；The service node obtains described the
One user node and the associated consumer record of the first contract information, it is described to disappear comprising consumption numerical value in the consumer record
Take numerical value less than or equal to the target numerical value；The service node uploads the consumer record to the block chain network；Institute
Processing node is stated according to the consumption numerical value, carries out numerical value transfer to the second user node from the ensuring funds account；
The processing node synchronized in the block chain network numerical value transfer record this method by block chain technology to go in
The technology of the heart signs intelligent contract between both parties, and pays by instalments according to the offer of service, thus primary
Property advance payment scheme in target numerical value carry out trustship, ensured buyer's equity.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is the usage scenario architecture diagram of monthly payment plan method provided by the embodiment of the present application；
Fig. 2A is the flow chart of monthly payment plan method provided by the embodiments of the present application；
Fig. 2 B is the schematic diagram of one embodiment of monthly payment plan method provided by the embodiments of the present application；
Fig. 2 C is the schematic diagram of another embodiment of monthly payment plan method provided by the embodiments of the present application；
Fig. 3 is the flow chart of another embodiment of monthly payment plan method provided by the embodiments of the present application；
Fig. 4 is the flow chart of another embodiment of monthly payment plan method provided by the embodiments of the present application；
Fig. 5 is the flow chart of another embodiment of monthly payment plan method provided by the embodiments of the present application；
Fig. 6 is the schematic diagram of computer equipment provided by the embodiment of the present application；
Fig. 7 is the schematic diagram of monthly payment plan device provided by the embodiment of the present application.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The description and claims of this application and term " first ", " second ", " third " " in above-mentioned attached drawing
The (if present)s such as four " are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should manage
The data that solution uses in this way are interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein
Or the sequence other than the content of description is implemented.In addition, term " includes " and " having " and their any deformation, it is intended that
Cover it is non-exclusive include, for example, containing the process, method, system, product or equipment of a series of steps or units need not limit
In step or unit those of is clearly listed, but may include be not clearly listed or for these process, methods, produce
The other step or units of product or equipment inherently.
With the development of the means of payment such as mobile payment, can be consumed in several ways between buyer and seller
, in certain industries, there is disposable pre-payment, are performed in multiple times the mode of consumption later in clearing, such as handle hair-cutting card, or
Service is enjoyed in gymnasium member card etc., buyer's lump-sum payment several times later, and consumption deducts this from the fund of prepayment every time
Secondary spending amount.
In general, businessman likes releasing the scheme of above-mentioned disposable advance payment as marketing activity, to promote sales volume,
The price that single service can also be reduced by way of such package sale simultaneously, is conducive to consumer's interests；However, primary
Property advance payment mode make buyer's equity hardly result in guarantee, for example, buyer, which prepays 1 year expense, handles gymnasium member
Card closes down after as a result gymnasium half a year, causes the puzzlement of right-safeguarding to buyer.Cause in disposable advance payment scheme, buyer
It is clashed with the equity of seller.
Therefore, in view of the above-mentioned problems, the embodiment of the present application provides a kind of monthly payment plan method, for ease of understanding, below
First in conjunction with attached drawing, the usage scenario of the embodiment of the present application institute providing method is illustrated.
Monthly payment plan method provided herein is based on block chain technology, abbreviation BT (Blockchain
Technology), it is also referred to as distributed account book technology, is a kind of internet database technology, its main feature is that decentralization,
It is open and clear, allow everyone to each may participate in data-base recording.Block chain includes: transaction (Transaction): once-through operation,
Lead to the primary change of account book state, such as one record of addition；Block (Block): record a period of time in occur transaction and
State outcome is the primary common recognition to current account book state；Chain (Chain): by block one by one according to order of occurrence connect and
At being the log recording of entire state change.
It should be noted that in the embodiment of the present application, the first user is buyer, second user is seller, wherein
First user node is purchaser node, and second user node is seller's node, and the first User ID is buyer ID, and second uses
Family ID is seller ID.
Referring to Fig. 1, as shown in Figure 1, in block chain, including the first user node 101,102 and of second user node
Other network nodes, wherein first user node 101 is the node where the terminal of one side of the first user, the second user
Node 102 is the node where the terminal of one side of businessman, which is in block chain network in addition to the first user saves
Other nodes other than 101 and second user node 102 are put, service node may further be subdivided into other network nodes
103 and processing node 104, wherein service node 103 be businessman service network where node, for example, the first user handles
The member card of A barber shop, the A barber shop have the branch Duo Jia, which can be general in all branch of A barber shop, then
Terminal set by each branch of the A barber shop constitutes a service node 103, which is block chain network
In for handling the nodes of data.
It should be noted that the subsequent terminal device being related to can be PC (English in above-mentioned terminal and the present invention
Full name: Personal Computer, PC), tablet computer, personal digital assistant (Personal Digital Assistant,
PDA), personal communication service (full name in English: Personal Communication Service, PCS) phone, notebook and hand
The terminal devices such as machine are also possible to the computer with mobile terminal, for example, it may be portable, pocket, hand-held, meter
Built in calculation machine or vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and
Language and/or data are exchanged with wireless access network.
Based on above-mentioned block chain network framework shown in figure 1, below in conjunction with attached drawing, to provided by the embodiment of the present application
Method is described in detail.
Fig. 2A is please referred to, as shown in Figure 2 A, monthly payment plan method provided by the embodiment of the present application includes the following steps.
201, the first user node or second user node are signed to block chain network the first user of upload and second user
The first contract information corresponding with target event.
In the present embodiment, the first user (the first user) by negotiating under line, generates one with second user (second user)
A target event, specifically, which, which can be, signs a contract, is used for serial first contract to generate
Information, as shown in Figure 2 B, the content that may include in first contract information include: the first User ID, second user ID, transaction
Title, target total value, installment payment are (for example, installment payment may include monthly installment or pay the bill by consumption number of times
Deng), condition of withholing and contract suspension condition etc..Both sides appoint the first contract information, use by the first user node and second
After the node private key signature of family, which is uploaded to block chain network by the first user node or second user node.
So that all nodes in block chain network synchronize first contract information.
202, ensuring funds account of first user node into block chain network uploads the target numerical value of target event.
In the present embodiment, ensuring funds account is provided in block chain network, the first user consults with second user in advance
The target numerical value is uploaded to the ensuring funds account later by the total amount of contract, on the one hand, ensuring funds account can be used first
Family, which is realized, to be ensured, money is rolled up after preventing second user from taking advance payment and is escaped, on the other hand, for second user, also can
Prevent first user's default of payment.
203, service node obtains the first user node and the associated consumer record of the first contract information.
In the present embodiment, when the first user is when the site of second user is consumed, service network can be closed according to first
About acquisition of information is to the consumer record of the first user, for example, please referring to Fig. 2 C, second user is the A haircut an of chain operation
Shop signs member card service contract by the first user node 2032 of second user node 2033 and the first user B, generates the
One contract information, the first user B of agreement disposably supplement 300 yuan with money in the member card of A barber shop, and the first user node is disposable
It uploads in 300 yuan of ensuring funds accounts to block chain, to exchange ten haircuts service of second user offer for, wherein first uses
Shops haircut of the family B every time under A barber shop, which is deducted in ensuring funds account, is used as single service fee for 30 yuan.A1 shops is A
One shops of barber shop is provided with a terminal in A1 shops, is first service node 2031, and the first user B goes to the A1 shops
Haircut service is enjoyed, the smart phone of the first user B is the first user node 2032, after completing this time haircut service, first
User B settles accounts this service fee by smart phone and A1 shops, so that first service node 2031 is available to consumption
Record: the first user node 2032 has carried out primary haircut and has consumed, and according to the record of the first contract information, this service can be from
It withholds in ensuring funds account 30 yuan.
204, service node uploads consumer record to block chain network.
In the present embodiment, the consumer record that service node will acquire is uploaded to block chain network, so that in block chain
It can be reached common understanding by algorithm of knowing together between each node, to all be stored with this time in each node of block chain network
Consumer record；For example, Fig. 2 C is please referred to, the single consumption for the first user node 2032 that first service node 2031 will acquire
Record uploads to block chain network, so that each node of the whole network knows, the first user node 2032 has been carried out once
Haircut consumption needs to deduct 30 yuan from ensuring funds account according to the agreement of the first contract information.
205, processing node carries out numerical value transfer to second user node from ensuring funds account according to consumption numerical value.
In the present embodiment, the consumer record that the processing node in block chain network is uploaded according to service node, from ensuring funds
It transfers accounts in account to second user node, to settle accounts withholing for this service, for example, please referring to Fig. 2 C, processing node is got
The consumer record for the first user node 2032 that first service node 2031 uploads, thus from the ensuring funds account of first user
It is middle to transfer accounts 30 yuan to the second user node of A barber shop, to settle accounts this consumption.
206, processing node, which shifts in block chain network with step Numerical, records.
In the present embodiment, processing node uploads what this was withholdd to block chain network after the clearing for completing this service
It withholds record, so that all nodes in block chain network can synchronize this record of withholing withholdd, so that single is consumed
As a result it is recorded in the whole network.
It should be noted that in above-mentioned steps 201 to 206, by way of block chain, in the consumption of disposable advance payment
In mode, the advance payment of the first user is deposited in the ensuring funds account of block chain, the first user consumes every time, then from guarantee
Corresponding expenses are deducted in golden account to second user, thus during solving disposable advance payment, the first user prepayment
The storage and assignment problem of expense.
It should be further noted that in specific work process, due to thering is multipair first to use in entire block chain network
Family and second user are necessary to ensure that safety and transaction accuracy in process of exchange.Therefore in some embodiments, it is desirable to more
The embodiment further refined, for ease of understanding, below in conjunction with attached drawing, to monthly payment plan side provided by the embodiment of the present application
The another embodiment of method is described in detail.
Referring to Fig. 3, as shown in figure 3, the another embodiment of monthly payment plan method provided by the embodiment of the present application
The following steps are included:
301, the first user node or second user node are signed to block chain network the first user of upload and second user
First contract information of contract.
The present embodiment, the first contract information still further comprise first and about ID, which exists for each node
The contract is identified in block chain network.About the other content of the first contract information, the record of above-mentioned steps 201 is seen, this
Place repeats no more.
302, the first user node uploads second and about ID to block chain network while uploading target numerical value.
In the present embodiment, the first user uploads disposable advance payment, i.e. target numerical value by the first user node, is uploading
While target numerical value, need to upload second and about ID, thus mark this than expense be for paying which contract, it is convenient
Each node in block chain finds the corresponding contract information of target numerical value by the second and about ID.
303, as first and about ID and second and about ID is identical, and when target numerical value is equal to target total value, processing node is sentenced
Fixed first contract information comes into force.
In the present embodiment, for target numerical value and second and about ID that the first user node uploads, processing node searching is
The no first and about ID for having the first pre-stored contract information and second and about ID is consistent, if can find, further judges, the
Whether the target numerical value that one user node uploads is equal with the target total value in the first contract information, if equal, handles node
It may determine that, this target numerical value that current first user uploads is the target total value of the first contract information, to judge the
One user pays the bill to the first contract information, and the first contract information comes into force.
304, come into force record and timestamp information is written in processing node in the first contract information, obtains the second contract letter
Breath.
In the present embodiment, after processing node determines that the first contract information comes into force, life is written in first contract information
Effect record, while timestamp information is added, so that the subsequent specific life for being able to know that first contract information of other nodes
Imitate the time.
305, the second contract information is sent to block chain network the whole network by processing node.
In the present embodiment, after processing node handles the first contract information to come into force, the second contract information is obtained, into
One step, node is handled by the second contract information and is sent to block chain network the whole network, so that other in block chain network
Node can pass through second contract information, and final all nodes all know and record the interior of the contract information to come into force
Hold.
306, when satisfaction withholds condition, service node is remembered according to the consumption that installment payment obtains the first User ID
Record.
In the present embodiment, the condition of withholing is to trigger the step of withholing to the remaining sum in ensuring funds account, for example, withholing
Condition can be with are as follows: the first user node has carried out one-time-consumption；Installment payment are as follows: pay the bill by consumption number of times, then, when first
When user node has carried out one-time-consumption, service node generates consumer record, records current first User ID and once disappear
Take.
307, service node uploads the first data to block chain network.
In the present embodiment, after getting consumer record, service node uploads the first data to block chain network, this first
Data include the first of contract information and withhold condition and service details that about ID, current consumption are met, for block link network
Node in network collects the first data according to timestamp within a preset time, and will summarize after being summarized according to first and about ID
Data afterwards are synchronized to block chain.For example, this consumption details are as follows: primary haircut service, condition of withholing are the first user enjoyment
This time haircut service, the lump-sum payment that first and about ID has been signed in advance with second user for the first user and about ID.
To which by first data, block chain joins the whole network and has got the details of this consumption, and when being accompanied in the consumer record
Between stab, the consumption time of this consumer record can be marked, after each node common recognition, the whole network reaches unified.
308, processing node is transferred accounts from ensuring funds account to second user node according to spending amount, is withholdd with realizing.
In the present embodiment, the consumer record that the processing node in block chain network is uploaded according to service node, from ensuring funds
It transfers accounts in account to second user node, to settle accounts withholing for this service.
309, processing node uploads the record of withholing withholdd to block chain network.
In the present embodiment, processing node uploads what this was withholdd to block chain network after the clearing for completing this service
It withholds record, so that all nodes in block chain network can synchronize this record of withholing withholdd, so that single is consumed
As a result it is recorded in the whole network.
Further, the processing node in block chain network periodically pulls the service log data in block chain network, and
It is compared according to about ID.For there is the contract of consumption, according to the content that contract information is arranged, from ensuring funds account to the
One user account is withholdd, and monthly payment plan operation is completed.And contract is written into Payment Records and is synchronized to the whole network.
It should be noted that in the above-mentioned course of work, by setting and about ID, to ensure the first user-pay and contract
Amount of money correspondence, it is ensured that correct fund is paid onto correct contract, ensure that being normally carried out for transaction.
Further, the contract between the first user and second user also has termination condition, and it is complete to can specifically include contract
Stop two kinds at contract, wherein contract is completed i.e.: both parties complete the right of both sides' agreement according to the agreement of contract
Obligation, contract compliance finish；Contract stops i.e.: suspension condition has occurred, so that the contract not yet completed can not continue, this
When ensuring funds account in left fund needs replace to the first user, secondary two kinds of situations have different working methods, for ease of understanding,
Below in conjunction with attached drawing, further this two kinds of situations are described in detail.
One, contract is completed.
Referring to Fig. 4, as shown in figure 4, in monthly payment plan method provided by the embodiment of the present application, the first user and second
The case where contract implement of user is completed, comprising the following steps:
Step 401 to step 406 sees above-mentioned steps 201 to 206, and details are not described herein again.
407, when meeting contract completion condition, contract performance is written in processing node in the first contract information, is obtained
To third contract information.
In the present embodiment, contract, which completes condition, is arranged in the first contract information, the condition that contract is completed, for example,
30 haircuts that first user handles card, after completing 30 haircut service, i.e. triggering contract completes condition, second user and
30 haircuts that first user signs, which service, to be completed；The feelings of contract completion are written in processing node in the first contract information at this time
Condition.For example, 30 haircut service has been completed, to generate third contract information, the third contract information is for indicating first
Contract information has been completed.
408, third contract information is synchronized to block chain network by processing node.
In the present embodiment, after processing node generates third contract information, contract information is synchronized to block chain network, thus
It can be by the synchronous third contract information of formula algorithm, so that in block chain network between each node in block chain network
All nodes all know that the first contract information all fulfils completion.
409, after other nodes in block chain network receive third contract information, the third contract is requested if being received again by
The consumer behavior of information returns to failure.
In the present embodiment, timestamp information is also accompanied in third contract information, each node in block chain network exists
After receiving third contract information, just it is known that the contract has fulfiled completion, if being received later about the new of same contract
Consumer requests, fulfiled and finished due to whole rights and obligations of contract, block chain is anti-to the behavior of the requesting consumption at this time
Present failure information.
It should be noted that optionally, above-mentioned steps 407 to 409 can also execute after above-mentioned steps 301 to 309,
This embodiment of the present application is not defined.
In the present embodiment, when contract compliance finishes, block chain network makes a mark to the contract finished is fulfiled, to refuse
Absolutely subsequently with respect to the consumer requests of same contract.
Two, contract stops.
Referring to Fig. 5, as shown in figure 5, in monthly payment plan method provided by the embodiment of the present application, the first user and second
The case where contract compliance of user terminates, comprising the following steps:
Step 501 to step 506 sees above-mentioned steps 201 to 206, and details are not described herein again.
507, when meeting the contract suspension condition, contract suspension is written in the processing node in the first contract information
Situation obtains the 4th contract information.
In the present embodiment, termination of contract condition is that a contract can not continue the feelings fulfiled for implement
Shape, for example, 30 haircuts card that the first user handles, 30 yuan every time, 900 yuan of contract total price, after the first customer consumption 20 times,
Second user is closed down, and remaining ten services can not be provided, then triggering contract stops condition at this time, and contract stops；At this point, processing
Contract is written in the first contract information and stops situation for node, obtains the 4th contract information, the 4th contract information is for indicating
First contract information fulfils suspension.
508, the 4th contract information is synchronized to block chain network by processing node.
In the present embodiment, after processing node generates the 4th contract information, contract information is synchronized to block chain network, thus
It can be by synchronous 4th contract information of formula algorithm, so that in block chain network between each node in block chain network
All nodes all know that the first contract information has stopped to fulfil.
509, target numerical value remaining in ensuring funds account is returned to the first user node by processing node.
In the present embodiment, since processing node is it is known that the termination of contract, ensuring funds are stored in for the first user
Remaining sum in account needs to be returned to the first user, to ensure the first user in the contract fund of disposable advance payment
Equity.
It should be noted that it is private to be provided with the first public key ID and first in the first user node in the above-mentioned course of work
Key password is provided with the second public key ID and the second private key cryptographic in second user node；Wherein, the first public key ID is the first user
ID, the second public key ID are denoted as second user ID,
Above-mentioned first public key ID is used for the identification of the first user node, such as can be used as the account of the first user node
Name, so that the first user pays the bill.Above-mentioned second public key ID is used for the identification of second user node, such as can be used as second
The account name of user node, so that second user is collected money.
It, can be respectively as the first user node and second user node for the first private key cryptographic and the second private key cryptographic
Payment password and the first user node and second user node the verifying passwords of data is uploaded to block chain network.
Wherein,
Before first user node uploads data to block chain network, need to input the first private key cryptographic；
Before second user node uploads data to block chain network, need to input the second private key cryptographic.
To guarantee the accuracy and safety of transaction.
Monthly payment plan method provided by the embodiment of the present application is applied in block chain network, includes in block chain network
There are the first user node, second user node, service node and processing node, method includes: that the first user node or second are used
Family node uploads the first user to block chain network and second user signs the first contract information of contract, for block chain network
In synchronous first contract information of all nodes；Ensuring funds account of first user node into block chain network uploads contract
Target numerical value；Service node obtains the consumer record that the first user node is consumed according to the first contract information；Service node
Consumer record is uploaded to block chain network, includes spending amount in consumer record, spending amount is less than or equal to target numerical value；Place
Node is managed according to spending amount, is transferred accounts from ensuring funds account to second user node, is withholdd with realizing；Node is handled to block
Chain network uploads the record of withholing withholdd, so that all nodes in block chain network synchronize record of withholing.Pass through block link network
The working method of network solves the storage and assignment problem of first user's amount of money during disposable advance payment.
It is above-mentioned that scheme provided by the embodiments of the present application is described.It is understood that computer equipment is for reality
Existing above-mentioned function, it comprises execute the corresponding hardware configuration of each function and/or software module.Those skilled in the art should
It is readily appreciated that, module described in conjunction with the examples disclosed in the embodiments of the present disclosure and algorithm steps, the application can
It is realized with the combining form of hardware or hardware and computer software.Some function is driven actually with hardware or computer software
The mode of hardware executes, specific application and design constraint depending on technical solution.Professional technician can be to every
A specific application uses different methods to achieve the described function, but this realizes it is not considered that beyond the application
Range.
It is described from hardware configuration, the above method can be realized by an entity device, can also be set by multiple entities
Standby common realization, can also be a logic functional block in an entity device, the embodiment of the present application is not made this specifically
It limits.
For example, the above method can be realized by the computer equipment in Fig. 6.Fig. 6 provides for the embodiment of the present application
Computer equipment hardware structural diagram.The computer equipment includes at least one processor 601, and communication line 602 is deposited
Reservoir 603 and at least one communication interface 604.
Processor 601 can be a general central processor (central processing unit, CPU), micro process
Device, application-specific integrated circuit (application-specific integrated circuit, server I C) or one
Or it is multiple for controlling the integrated circuit of application scheme program execution.
Communication line 602 may include an access, and information is transmitted between said modules.
Communication interface 604, using the device of any transceiver one kind, for other equipment or communication, such as
Ethernet, wireless access network (radio access network, RAN), WLAN (wireless local area
Networks, WLAN) etc..
Memory 603 can be read-only memory (read-only memory, ROM) or can store static information and instruction
Other kinds of static storage device, random access memory (random access memory, RAM) or letter can be stored
The other kinds of dynamic memory of breath and instruction, is also possible to Electrically Erasable Programmable Read-Only Memory
(electricallyer server able programmable read-only memory, EEPROM), CD-ROM
(compact disc read-only memory, CD-ROM) or other optical disc storages, optical disc storage (including compression optical disc, swash
Optical disc, optical disc, Digital Versatile Disc, Blu-ray Disc etc.), magnetic disk storage medium or other magnetic storage apparatus or can use
In carry or storage have instruction or data structure form desired program code and can by computer access it is any its
His medium, but not limited to this.Memory, which can be, to be individually present, and is connected by communication line 602 with processor.Memory
It can be integrated with processor.
Wherein, memory 603 be used for store execution application scheme computer executed instructions, and by processor 601
Control executes.Processor 601 is for executing the computer executed instructions stored in memory 603, to realize that the application is above-mentioned
The method that embodiment provides.
Optionally, the computer executed instructions in the embodiment of the present application can also be referred to as application code, the application
Embodiment is not especially limited this.
In the concrete realization, as one embodiment, processor 601 may include one or more CPU, such as in Fig. 6
CPU0 and CPU1.
In the concrete realization, as one embodiment, computer equipment may include multiple processors, such as in Fig. 6
Processor 601 and processor 607.Each of these processors can be monokaryon (single-CPU) processor,
It can be multicore (multi-CPU) processor.Here processor can refer to one or more equipment, circuit, and/or use
In the processing core of processing data (such as computer program instructions).
In the concrete realization, as one embodiment, computer equipment can also include output equipment 605 and input equipment
606.Output equipment 605 and processor 601 communicate, and can show information in many ways.For example, output equipment 605 can be with
It is liquid crystal display (liquid crystal display, LCD), Light-Emitting Diode (light emitting diode, LED)
Show equipment, cathode-ray tube (cathode ray tube, CRT) shows equipment or projector (projector) etc..Input
Equipment 606 and processor 601 communicate, and can receive the input of user in many ways.For example, input equipment 606 can be mouse
Mark, keyboard, touch panel device or sensing equipment etc..
Above-mentioned computer equipment can be a common apparatus either special equipment.In the concrete realization, it counts
Calculating machine equipment can be desktop computer, portable computer, network server, palm PC (personal digital
Assistant, PDA), cell phone, tablet computer, wireless terminal device, embedded device or have setting for similar structures in Fig. 6
It is standby.The unlimited type for determining computer equipment of the embodiment of the present application.
The embodiment of the present application can carry out the division of functional unit according to above method example to storage equipment, for example, can
With each functional unit of each function division of correspondence, two or more functions can also be integrated in a processing unit
In.Above-mentioned integrated unit both can take the form of hardware realization, can also realize in the form of software functional units.It needs
It is noted that be schematical, only a kind of logical function partition to the division of unit in the embodiment of the present application, it is practical real
It is current that there may be another division manner.
For example, Fig. 7 shows a kind of monthly payment plan dress in the case where to use the integrated each functional unit of model split
The schematic diagram set.
As shown in fig. 7, device provided by the embodiments of the present application, comprising:
A kind of monthly payment plan device is applied in block chain network, includes the first user node, the in block chain network
Two user nodes, service node and processing node；
Described device, comprising:
First uploading unit 701, first uploading unit 701 are used to upload the first user and the to block chain network
Two users sign the first contract information corresponding with target event, are synchronized with all nodes in the block chain network described
First contract information；
Second uploading unit 702, second uploading unit 702 is for the ensuring funds account into the block chain network
Upload the target numerical value of the target event；
Acquiring unit 703, the acquiring unit 703 is for obtaining first user node and first contract information
Associated consumer record, comprising consumption numerical value in the consumer record, the consumption numerical value is less than or equal to the target numerical value；
Third uploading unit 704, the third uploading unit 704 are used to upload the consumption note to the block chain network
Record；
Transfer accounts unit 705, the unit 705 of transferring accounts for according to the consumption numerical value, from the ensuring funds account to
The second user node carries out numerical value transfer；
4th uploading unit 706, the 4th uploading unit 706 is for synchronizing the numerical value in the block chain network
Transfer record.
Optionally, second uploading unit 702 is also used to:
Second and about ID is uploaded to the block chain network while uploading the target numerical value；
The acquiring unit 703 is also used to:
Before obtaining the consumer record that first user node is consumed according to first contract information, also wrap
It includes:
Described device further includes judging unit 707, and the judging unit 707 is used for:
As described first and about ID and described second and about ID is identical, and the target numerical value is equal to the target total value
When, the processing node determines that first contract information comes into force；
Come into force record and timestamp information is written in the processing node in first contract information, obtains the second contract
Information；
Institute's second uploading unit 702 is also used to:
It states processing node and second contract information is sent to described block chain network the whole network.
Optionally, first contract information further include: the first User ID, second user ID, Transaction Name, monthly payment plan
Mode and at least one of condition of withholing；
The service node obtains first user node and is remembered according to the consumption that first contract information is consumed
Record, comprising:
When condition of withholing described in the satisfaction, the service node obtains first user according to the installment payment
The consumer record of ID.
Optionally, the third uploading unit 704, is also used to:
The service node uploads the first data to the block chain network, and first data include the contract information
First and about ID, current consumption met withhold condition and service details, so that the node in the block chain network exists
Collects the first data according to timestamp in preset time, and by the data after summarizing after being summarized according to described first and about ID
It is synchronized to block chain.
Optionally, the first public key ID and the first private key cryptographic, the second user are provided in first user node
The second public key ID and the second private key cryptographic are provided in node；Wherein, the first public key ID is first User ID, described
Second public key ID is denoted as the second user ID,
Before first user node uploads data to the block chain network, it is close to need to input first private key
Code；
Before the second user node uploads data to the block chain network, it is close to need to input second private key
Code.
It optionally, further include that contract completes condition in first contract information；
Described device further includes the first termination unit 708, and the first termination unit 708 is used for:
When meeting the contract completion condition, contract is written in the first contract information and completes feelings for the processing node
Condition obtains third contract information；
The third contract information is synchronized to the block chain network by the processing node；
After other nodes in the block chain network receive the third contract information, the third is requested if being received again by
The consumer behavior of contract information returns to failure.
It optionally, further include that contract stops condition in first contract information；
Described device further includes the second termination unit 709, and the second termination unit 709 is used for:
When meeting the contract suspension condition, contract is written in the first contract information and stops feelings for the processing node
Condition obtains the 4th contract information；
4th contract information is synchronized to the block chain network by the processing node；
Target numerical value remaining in the ensuring funds account is returned to first user node by the processing node.
Further, the embodiment of the present invention also provides a kind of computer storage medium, including instruction, when the instruction is calculating
When being run on machine equipment, so that the computer equipment executes the above method.
The detailed description of program in relation to storing in computer storage medium provided by the embodiments of the present application can refer to above-mentioned
Embodiment, this will not be repeated here.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can directly be held with hardware, processor
The combination of capable software module or the two is implemented.Software module can be placed in random access memory (RAM), memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments in the case where not departing from core of the invention thought or scope.Therefore, originally
Invention is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein
Consistent widest scope.
Claims (10)
1. a kind of monthly payment plan method, which is characterized in that be applied in block chain network, include the first use in block chain network
Family node, second user node, service node and processing node；
The method, comprising:
First user node or the second user node upload the first user to block chain network and sign with second user
The first contract information corresponding with target event synchronizes the first contract letter with all nodes in the block chain network
Breath；
Ensuring funds account of first user node into the block chain network uploads the target numerical value of the target event；
The service node obtains first user node and the associated consumer record of the first contract information, the consumption
Comprising consumption numerical value in record, the consumption numerical value is less than or equal to the target numerical value；
The service node uploads the consumer record to the block chain network；
The processing node carries out numerical value to the second user node from the ensuring funds account according to the consumption numerical value
Transfer；
The processing node synchronizes the numerical value transfer record in the block chain network.
2. the method according to claim 1, wherein first contract information includes first and about ID and target
Total value；Ensuring funds account of first user node into the block chain network uploads the target numerical value of the target event
Further include:
First user node uploads second and about ID to the block chain network while uploading the target numerical value；
The service node obtain consumer record that first user node is consumed according to first contract information it
Before, further includes:
As described first and about ID and described second and about ID is identical, and when the target numerical value is equal to the target total value, institute
It states processing node and determines that first contract information comes into force；
Come into force record and timestamp information is written in the processing node in first contract information, obtains the second contract letter
Breath；
Second contract information is sent to the block chain network by the processing node.
3. according to the method described in claim 2, it is characterized in that, first contract information further include: the first User ID,
Two User ID, Transaction Name, installment payment and at least one of condition of withholing；
The service node obtains the consumer record that first user node is consumed according to first contract information, packet
It includes:
When condition of withholing described in the satisfaction, the service node obtains first User ID according to the installment payment
Consumer record.
4. according to the method described in claim 3, it is characterized in that, the service node is to described in block chain network upload
Consumer record, comprising:
The service node uploads the first data to the block chain network, and first data include the of the contract information
One and about ID, current consumption withhold condition and the service details that are met, so that the node in the block chain network is default
Collect the first data according to timestamp in time, and the data after summarizing are synchronous after being summarized according to described first with about ID
To block chain.
5. according to the method described in claim 3, it is characterized in that, be provided in first user node the first public key ID and
First private key cryptographic is provided with the second public key ID and the second private key cryptographic in the second user node；Wherein, described first is public
Key ID is first User ID, and the second public key ID is denoted as the second user ID,
Before first user node uploads data to the block chain network, need to input first private key cryptographic；
Before the second user node uploads data to the block chain network, need to input second private key cryptographic.
6. method according to any one of claims 1 to 5, which is characterized in that further include contract in first contract information
Completion condition；
The processing node is synchronized in the block chain network after the numerical value transfer record, further includes:
When meeting the contract completion condition, contract performance is written in the processing node in the first contract information, obtains
To third contract information；
The third contract information is synchronized to the block chain network by the processing node；
After other nodes in the block chain network receive the third contract information, the third contract is requested if being received again by
The consumer behavior of information returns to failure.
7. method according to any one of claims 1 to 5, which is characterized in that further include contract in first contract information
Suspension condition；
The processing node is synchronized in the block chain network after the numerical value transfer record, further includes:
When meeting the contract suspension condition, contract is written in the first contract information and stops situation for the processing node, obtains
To the 4th contract information；
4th contract information is synchronized to the block chain network by the processing node；
Target numerical value remaining in the ensuring funds account is returned to first user node by the processing node.
8. a kind of monthly payment plan device, which is characterized in that be applied in block chain network, include the first use in block chain network
Family node, second user node, service node and processing node；
Described device, comprising:
First uploading unit, first uploading unit be used to upload to block chain network the first user and second user sign with
Corresponding first contract information of target event synchronizes the first contract letter with all nodes in the block chain network
Breath；
Second uploading unit, second uploading unit upload the mark for the ensuring funds account into the block chain network
Event target numerical value；
Acquiring unit, the acquiring unit is for obtaining first user node and the associated consumption of the first contract information
It records, comprising consumption numerical value in the consumer record, the consumption numerical value is less than or equal to the target numerical value；
Third uploading unit, Xiang Suoshu block chain network upload the consumer record；
It transfers accounts unit, the unit of transferring accounts from the ensuring funds account to described second for using according to the consumption numerical value
Family node carries out numerical value transfer；
4th uploading unit, the 4th uploading unit in the block chain network for synchronizing the numerical value transfer record.
9. a kind of computer equipment, which is characterized in that the computer equipment includes: that interactive device, input/output (I/O) connect
Mouthful, processor and memory, be stored with program instruction in the memory；
The interactive device is used to obtain the operational order of user's input；
The processor is executed as described in any one of claim 1-7 for executing the program instruction stored in memory
Method.
10. a kind of computer readable storage medium, including instruction, which is characterized in that when described instruction is transported on a computing device
When row, so that the computer equipment executes the method as described in any one of claim 1-7.
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