CN110490571B - Installment payment method, device, equipment and medium - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The application provides an installment payment method, which is applied to a blockchain network, and comprises the following steps: the first or second user node uploads first contract information of contracting to the blockchain network; the first user node uploads the standard value of the contract to a security gold account in the blockchain network; the service node obtains a consumption record of consumption of the first user node according to the first contract information; the service node uploads a consumption record to the blockchain network, wherein the consumption record contains the consumption amount; the processing node transfers money from the security gold account to a second user node according to the consumption amount so as to realize deduction; the processing node uploads a deduction record of the deduction to the blockchain network. The application also provides a device, electronic equipment and a computer storage medium. The method signs an intelligent contract between the buyer and the seller through the blockchain technology and carries out installment payment according to the provision of the service, so that the target value is managed in a one-time prepayment scheme, and the rights and interests of the buyer are ensured.
Description
Technical Field
The present application relates to the field of computer technology, and more particularly, to an installment payment method, apparatus, device, and medium.
Background
With the development of payment means such as mobile payment, the buyer and the seller can settle accounts for consumption in various ways, in certain industries, one-time prepayment occurs, and then the consumption is carried out for multiple times, for example, a cut-off card is transacted, or a gym membership card is used, the buyer pays for one time, and then the buyer enjoys the service for multiple times, and the consumption amount of the current time is deducted from the prepayment.
In general, merchants like to push out the scheme of one-time prepayment as a marketing campaign to increase sales, and simultaneously can reduce the price of single service in a packing sales manner, thereby being beneficial to consumer benefits; however, the one-time prepayment method makes the rights of the buyer difficult to be guaranteed, for example, the buyer pays for one year in advance to transact the gym membership card, and as a result, the gym is closed back half a year later, which causes the trouble of right-keeping to the buyer. Resulting in a conflict of interest between the buyer and the seller in a one-time pre-payment scheme.
In the prior art, no technical solution has been available to solve the above problems.
Disclosure of Invention
In view of the above, the technical solution provided by the present invention is as follows:
An installment payment method is applied to a block chain network, wherein the block chain network comprises a first user node, a second user node, a service node and a processing node;
the method comprises the following steps:
the first user node or the second user node uploads first contract information, which is signed by the first user and the second user and corresponds to a target event, to a blockchain network so as to synchronize the first contract information on all nodes in the blockchain network;
the first user node uploading a target value of the target event to a guard gold account in the blockchain network;
the service node obtains a consumption record associated with the first contract information by the first user node, wherein the consumption record comprises a consumption value which is smaller than or equal to the target value;
the service node uploads the consumption record to the blockchain network;
the processing node carries out value transfer from the security gold account to the second user node according to the consumption value;
the processing node synchronizes the value transfer records over the blockchain network.
An installment payment device is characterized by being applied to a blockchain network, wherein the blockchain network comprises a first user node, a second user node, a service node and a processing node;
The device comprises:
a first uploading unit, configured to upload, to a blockchain network, first contract information that is signed by a first user and a second user and corresponds to a target event, so as to synchronize the first contract information at all nodes in the blockchain network;
a second uploading unit for uploading a target value of the target event to a guard gold account in the blockchain network;
the acquisition unit is used for acquiring a consumption record associated with the first contract information by the first user node, wherein the consumption record comprises a consumption value which is smaller than or equal to the target value;
a third uploading unit that uploads the consumption record to the blockchain network;
the transfer unit is used for transferring the value from the security gold account to the second user node according to the consumption value;
and the fourth uploading unit is used for synchronizing the numerical value transfer records on the blockchain network.
Optionally, the second uploading unit is further configured to:
uploading a second contract ID to the blockchain network while uploading the target value;
The device further comprises a judging unit for:
when the first contract ID is the same as the second contract ID and the target value is equal to the target total, the processing node determines that the first contract information is valid;
the processing node writes effective records and timestamp information in the first contract information to obtain second contract information;
the second uploading unit is further configured to:
the processing node sends the second contract information to the blockchain network full network.
Optionally, the first contract information further includes: at least one of a first user ID, a second user ID, a transaction name, an installment payment method, and a deduction condition;
the service node obtaining a consumption record of consumption of the first user node according to the first contract information, including:
and when the deduction condition is met, the service node acquires the consumption record of the first user ID according to the installment payment mode.
Optionally, the third uploading unit is further configured to:
the service node uploads first data to the blockchain network, wherein the first data comprises a first contract ID of the contract information, deduction conditions met by current consumption and service details, so that nodes in the blockchain network collect the first data according to time stamps in preset time, and synchronize the collected data to a blockchain after collecting according to the first contract ID.
Optionally, the first user node is provided with a first public key ID and a first private key password, and the second user node is provided with a second public key ID and a second private key password; wherein the first public key ID is the first user ID, the second public key ID is the second user ID,
before the first user node uploads data to the blockchain network, the first private key password is required to be input;
the second user node needs to enter the second private key password before uploading data to the blockchain network.
Optionally, the first contract information further includes a contract completion condition;
the apparatus further comprises a first termination unit for:
when meeting the contract completion condition, the processing node writes contract completion conditions in the first contract information to obtain third contract information;
the processing node synchronizing the third contract information to the blockchain network;
and after receiving the third contract information, other nodes in the blockchain network return failure if receiving the consumption behavior of requesting the third contract information again.
Optionally, the first contract information further includes a contract suspension condition;
The apparatus further comprises a second termination unit for:
when meeting the contract suspension condition, the processing node writes contract suspension conditions in the first contract information to obtain fourth contract information;
the processing node synchronizing the fourth contract information to the blockchain network;
the processing node returns the remaining target values in the security gold account to the first user node.
A computer device, the computer device comprising: an interaction device, an input/output (I/O) interface, a processor, and a memory, the memory having program instructions stored therein;
the interaction device is used for acquiring an operation instruction input by a user;
the processor is configured to execute program instructions stored in the memory to perform a method as claimed in any one of the preceding claims.
A computer readable storage medium comprising instructions which, when run on a computer device, cause the computer device to perform the method of any of the preceding claims.
The application provides an installment payment method which is applied to a blockchain network, wherein the blockchain network comprises a first user node, a second user node, a service node and a processing node; the method comprises the following steps: the first user node or the second user node uploads first contract information, which is signed by the first user and the second user and corresponds to a target event, to a blockchain network so as to synchronize the first contract information on all nodes in the blockchain network; the first user node uploading a target value of the target event to a guard gold account in the blockchain network; the service node obtains a consumption record associated with the first contract information by the first user node, wherein the consumption record comprises a consumption value which is smaller than or equal to the target value; the service node uploads the consumption record to the blockchain network; the processing node carries out value transfer from the security gold account to the second user node according to the consumption value; the processing node synchronizes the value transfer record on the blockchain network, the method signs an intelligent contract between the buyer and the seller through a blockchain technology and a decentralization technology, and carries out installment payment according to the provision of the service, so that the target value is managed in a one-time prepayment scheme, and the rights and interests of the buyer are ensured.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of an installment method according to an embodiment of the present application;
FIG. 2A is a flow chart of an installment method according to an embodiment of the application;
FIG. 2B is a schematic diagram of one embodiment of an installment method provided by an embodiment of the application;
FIG. 2C is a schematic diagram of another embodiment of an installment method according to an embodiment of the application;
FIG. 3 is a flow chart of another embodiment of an installment method provided by an embodiment of the application;
FIG. 4 is a flow chart of another embodiment of an installment method provided by an embodiment of the application;
FIG. 5 is a flow chart of another embodiment of an installment method provided by an embodiment of the application;
FIG. 6 is a schematic diagram of a computer device according to an embodiment of the present application;
Fig. 7 is a schematic diagram of an installment provided in an embodiment of the application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The terms "first," "second," "third," "fourth" and the like in the description and in the claims and in the above drawings, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments described herein may be implemented in other sequences than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
With the development of payment means such as mobile payment, the buyer and the seller can settle accounts for consumption in various ways, in certain industries, one-time prepayment occurs, and then the consumption is carried out for multiple times, for example, a cut-off card is transacted, or a gym membership card is used, the buyer pays for one time, and then the buyer enjoys the service for multiple times, and the consumption amount of the current time is deducted from the prepayment.
In general, merchants like to push out the scheme of one-time prepayment as a marketing campaign to increase sales, and simultaneously can reduce the price of single service in a packing sales manner, thereby being beneficial to consumer benefits; however, the one-time prepayment method makes the rights of the buyer difficult to be guaranteed, for example, the buyer pays for one year in advance to transact the gym membership card, and as a result, the gym is closed back half a year later, which causes the trouble of right-keeping to the buyer. Resulting in a conflict of interest between the buyer and the seller in a one-time pre-payment scheme.
Accordingly, in view of the above problems, the embodiment of the present application provides an installment method, and for easy understanding, the usage scenario of the method provided by the embodiment of the present application will be described with reference to the accompanying drawings.
The installment payment method provided by the application is based on a blockchain technology, which is called BT (Blockchain technology) for short and is also called as a distributed account book technology, and is an internet database technology, and is characterized by decentralization, disclosure and transparency, so that everybody can participate in database records. The blockchain includes: transaction (Transaction): an operation, such as adding a record, that causes a change in the state of the ledger; block (Block): recording transaction and state results occurring within a period of time, wherein the transaction and state results are a consensus of the current account book state; chain (Chain): the system is formed by serially connecting blocks according to the occurrence sequence, and is used for logging the whole state change.
In the embodiment of the present application, the first user is a buyer, the second user is a seller, wherein the first user node is a buyer node, the second user node is a seller node, the first user ID is a buyer ID, and the second user ID is a seller ID.
Referring to fig. 1, as shown in fig. 1, in the blockchain, a first user node 101, a second user node 102 and other network nodes are included, where the first user node 101 is a node where a terminal of a first user side is located, the second user node 102 is a node where a terminal of a merchant side is located, the other network nodes are other nodes in the blockchain network except the first user node 101 and the second user node 102, the other network nodes are further subdivided into a service node 103 and a processing node 104, where the service node 103 is a node where a service node of a merchant is located, for example, a first user handles a membership card of an a barbershop, the a barbershop has multiple branches, the membership card can be commonly used in all branches of the a barbershop, and then a terminal set by each branch of the a barbershop forms one service node 103, and the processing node 104 is a node for processing data in the blockchain network.
The terminal and the terminal device related later in the present application may be a personal computer (in english acronym: personal Computer, PC), a tablet computer, a personal digital assistant (Personal Digital Assistant, PDA), a personal communication service (in english acronym: personal Communication Service, PCs) telephone, a notebook, a mobile phone, or other terminal devices, or may be a computer with a mobile terminal, for example, a portable, pocket, hand-held, computer-built-in, or vehicle-mounted mobile device, which can provide voice and/or data connectivity to a user, and exchange voice and/or data with a radio access network.
Based on the above-mentioned blockchain network architecture shown in fig. 1, the method provided by the embodiment of the present application is described in detail below with reference to the accompanying drawings.
Referring to fig. 2A, as shown in fig. 2A, the installment method provided in the embodiment of the application includes the following steps.
201. The first user node or the second user node uploads to the blockchain network first contract information that the first user and the second user sign for corresponding to the target event.
In this embodiment, the first user (first user) negotiates with the second user (second user) offline to generate a target event, specifically, the target event may be that a contract is signed, so as to generate first contract information for installment payment, as shown in fig. 2B, where content may be included in the first contract information includes: the first user ID, the second user ID, the transaction name, the target total amount, the installment (e.g., the installment may include monthly or by number of consumption, etc.), the deduction condition, the contract suspension condition, etc. The two parties agree on first contract information, and after the first user node and the second user node sign by private keys, the first user node or the second user node uploads the first contract information to the blockchain network. For all nodes in the blockchain network to synchronize the first contract information.
202. The first user node uploads a target value of the target event to a security gold account in the blockchain network.
In this embodiment, a guaranteed gold account is set in the blockchain network, a first user negotiates a total amount of contracts with a second user in advance, and then the target value is uploaded to the guaranteed gold account.
203. The service node obtains a consumption record of the first user node associated with the first contract information.
In this embodiment, when the first user performs the consumption at the website of the second user, the service website will obtain the consumption record of the first user according to the first contract information, for example, please refer to fig. 2C, the second user signs a membership card service contract with the first user node 2032 of the first user B through the second user node 2033, generates the first contract information, agrees that the first user B charges 300 elements in the membership card of the a barbershop once, and the first user node uploads 300 elements to the security gold account of the blockchain once to exchange ten times of barbershop services provided by the second user, wherein 30 elements in the security gold account are deducted as a single service charge every time the first user B performs a barbershop in the store under the flag of the a barbershop. The store A1 is a store of the store A, a terminal is arranged in the store A1 and is a first service node 2031, the store A1 is provided with a hair-cutting service by a first user B, a smart phone of the first user B is a first user node 2032, after the hair-cutting service is completed, the first user B settles the service cost with the store A1 through the smart phone, and therefore the first service node 2031 can acquire a consumption record: the first user node 2032 performs a hair cut consumption, and the service may deduct 30 yuan from the security gold account according to the record of the first contract information.
204. The service node uploads the consumption record to the blockchain network.
In this embodiment, the service node uploads the obtained consumption record to the blockchain network, so that each node in the blockchain can reach consensus through a consensus algorithm, and thus the consumption record is stored in each node of the blockchain network; for example, referring to fig. 2C, the first service node 2031 uploads the acquired single consumption record of the first user node 2032 to the blockchain network, so that each node of the whole network is known, the first user node 2032 performs a haircut consumption, and deducts 30 elements from the security gold account according to the contract requirement of the first contract information.
205. And the processing node transfers the value from the security gold account to the second user node according to the consumption value.
In this embodiment, the processing node in the blockchain network transfers money from the security gold account to the second user node according to the consumption record uploaded by the service node to settle the deduction of the service, for example, please refer to fig. 2C, the processing node obtains the consumption record of the first user node 2032 uploaded by the first service node 2031, thereby transferring 30 yuan from the security gold account of the first user to the second user node of the a barbershop, and settling the consumption.
206. The processing nodes synchronize the value transfer records over the blockchain network.
In this embodiment, after the settlement of the service is completed, the processing node uploads the deduction record of the deduction to the blockchain network, so that all nodes in the blockchain network can synchronize the deduction record of the deduction, and the single consumption result is recorded in the whole network.
It should be noted that, in the foregoing steps 201 to 206, in the manner of blockchain, in the manner of consumption of one-time prepayment, the prepayment of the first user is registered in the security gold account of the blockchain, and the corresponding fee is deducted from the security gold account and transferred to the second user when the first user consumes each time, thereby solving the problem of storing and distributing the prepayment fee of the first user in the one-time prepayment process.
It should be further noted that, during a specific operation, since there are multiple pairs of first users and second users in the entire blockchain network, security and transaction accuracy need to be ensured during a transaction. Therefore, in some embodiments, a further detailed implementation manner is needed, and for convenience of understanding, another implementation manner of the installment method provided by the embodiments of the present application is described in detail below with reference to the accompanying drawings.
Referring to fig. 3, as shown in fig. 3, another implementation of the installment method provided by the embodiment of the application includes the following steps:
301. the first user node or the second user node uploads first contract information of contracts signed by the first user and the second user to the blockchain network.
In this embodiment, the first contract information further includes a first contract ID for each node to identify the contract in the blockchain network. For other contents of the first contract information, refer to the description of step 201, and are not repeated here.
302. The first user node uploads the second contract ID to the blockchain network while uploading the target value.
In this embodiment, the first user uploads the one-time prepayment, that is, the standard value, through the first user node, and the second contract ID needs to be uploaded while the standard value is uploaded, so that the specific cost is marked as to which contract to pay, and each node in the blockchain can find the contract information corresponding to the standard value through the second contract ID conveniently.
303. When the first contract ID is the same as the second contract ID and the target value is equal to the target total, the processing node determines that the first contract information is valid.
In this embodiment, for the target value and the second contract ID uploaded by the first user node, the processing node searches whether the first contract ID and the second contract ID of the prestored first contract information are consistent, if so, further determines whether the target value uploaded by the first user node is equal to the target total amount in the first contract information, if so, the processing node may determine that the target value uploaded by the current first user is the target total amount of the first contract information, thereby determining that the first user has paid for the first contract information, and that the first contract information is effective.
304. The processing node writes the effective record and the time stamp information in the first contract information to obtain second contract information.
In this embodiment, after the processing node determines that the first contract information is validated, the validation record is written in the first contract information, and the timestamp information is added at the same time, so that other nodes can know the specific validation time of the first contract information later.
305. The processing node sends the second contract information to the blockchain network full network.
In this embodiment, after processing the validated first contract information, the processing node obtains second contract information, and further, the processing node sends the second contract information to the whole blockchain network, so that other nodes in the blockchain network can pass through the second contract information, and finally, all nodes know and record the content of the validated contract information.
306. And when the deduction condition is met, the service node acquires the consumption record of the first user ID according to the installment payment mode.
In this embodiment, the deduction condition is a step of triggering deduction of the balance in the security gold account, for example, the deduction condition may be: the first user node performs one-time consumption; the installment payment method is as follows: and paying according to the consumption times, when the first user node performs one consumption, the service node generates a consumption record, and records that the current first user ID performs one consumption.
307. The service node uploads the first data to the blockchain network.
In this embodiment, after obtaining the consumption record, the service node uploads first data to the blockchain network, where the first data includes a first contract ID of contract information, a deduction condition satisfied by current consumption, and service details, so that nodes in the blockchain network aggregate the first data according to a timestamp in a preset time, aggregate the first data according to the first contract ID, and synchronize the aggregated data to the blockchain. For example, the details of this consumption are: the method comprises the steps of providing a haircut service, wherein the payment deduction condition is that a first user enjoys the haircut service, and the first contract ID is a contract ID of one-time payment which is signed by the first user with a second user in advance. Therefore, the details of the current consumption are obtained through the first data and the block chain connected whole network, the consumption record is attached with a time stamp, the consumption time of the current consumption record can be marked, and after the nodes are commonly known, the whole network is unified.
308. And the processing node transfers the money from the security gold account to the second user node according to the consumption amount so as to realize deduction.
In this embodiment, the processing node in the blockchain network transfers money from the security gold account to the second user node according to the consumption record uploaded by the service node, so as to settle the deduction of the service.
309. The processing node uploads a deduction record of the deduction to the blockchain network.
In this embodiment, after the settlement of the service is completed, the processing node uploads the deduction record of the deduction to the blockchain network, so that all nodes in the blockchain network can synchronize the deduction record of the deduction, and the single consumption result is recorded in the whole network.
Further, the processing nodes in the blockchain network periodically pull service record data in the blockchain network and compare the service record data according to the contract ID. And for the consumed contracts, deducting money from the security gold account to the first user account according to the contents agreed by the contract information, and completing the installment payment operation. And write payment records to the contract and synchronize to the full network.
In the working process, the contract ID is set to ensure that the first user pays corresponding to the contract amount, so that the correct payment is paid to the correct contract, and the normal proceeding of the transaction is ensured.
Further, the contract between the first user and the second user also has a termination condition, which specifically may include two types of contract completion and contract suspension, wherein the contract completion is: the buyer and the seller complete the rights obligation agreed by the buyer and the seller according to the contract agreement, and the contract is fulfilled; contract suspension is: the suspension condition occurs, so that the contract which is not completed cannot be continued, at this time, the remaining money in the security gold account needs to be replaced to the first user, and the second two cases have different working modes, so that the second two cases are easy to understand, and the second two cases are further described in detail below with reference to the accompanying drawings.
1. The contract is completed.
Referring to fig. 4, in the installment method provided by the embodiment of the application, as shown in fig. 4, the contract between the first user and the second user is completely fulfilled, and the method includes the following steps:
steps 401 to 406 can be referred to above in steps 201 to 206, and will not be described here again.
407. When meeting the contract completion condition, the processing node writes the contract completion condition in the first contract information to obtain third contract information.
In this embodiment, the contract completion condition is a condition of contract completion agreed in the first contract information, for example, 30 times of haircut cards handled by the first user, and when 30 times of haircut services are completed, the contract completion condition is triggered, and 30 times of haircut services signed by the second user and the first user are completed; at this time, the processing node writes the completion of the contract in the first contract information. For example, 30 times the hair cutting service has been completed, thereby generating third contract information indicating that the first contract information has been completed.
408. The processing node synchronizes the third contract information to the blockchain network.
In this embodiment, after the processing node generates the third contract information, the processing node synchronizes the contract information to the blockchain network, so that the third contract information can be synchronized between the nodes in the blockchain network through a formula algorithm, so that all the nodes in the blockchain network know that the first contract information is completely fulfilled.
409. And after receiving the third contract information, other nodes in the block chain network return failure if the consumption behavior of requesting the third contract information is received again.
In this embodiment, the third contract information is further accompanied by timestamp information, and after receiving the third contract information, each node in the blockchain network knows that the contract has been completed, and then if a new consumption request about the same contract is received, the blockchain feeds back failure information to the behavior of consuming the request because all right obligations of the contract have been completed.
It should be noted that, alternatively, the steps 407 to 409 may be performed after the steps 301 to 309, which is not limited to the embodiment of the present application.
In this embodiment, when the contract is fulfilled, the blockchain network marks the fulfilled contract, thereby rejecting subsequent consumption requests for the same contract.
2. The contract is aborted.
Referring to fig. 5, as shown in fig. 5, in the installment method provided by the embodiment of the application, the contract fulfillment termination situation of the first user and the second user includes the following steps:
steps 501 to 506 can be referred to above in steps 201 to 206, and are not described here again.
507. And when the contract suspension condition is met, the processing node writes the contract suspension condition in the first contract information to obtain fourth contract information.
In this embodiment, the contract termination condition is only the contract that cannot be continuously performed under the condition of complete performance, for example, 30 times of haircut cards handled by the first user, 30 times of total price of the contract, 900 times of total price of the contract, 20 times of consumption by the first user, the second user closes, and the remaining ten times of service cannot be provided, and then the contract termination condition is triggered, and the contract is terminated; at this time, the processing node writes the contract suspension situation in the first contract information, and obtains fourth contract information indicating that the first contract information is suspended.
508. The processing node synchronizes the fourth contract information to the blockchain network.
In this embodiment, after the processing node generates the fourth contract information, the processing node synchronizes the contract information to the blockchain network, so that the fourth contract information can be synchronized between the nodes in the blockchain network through a formula algorithm, so that all the nodes in the blockchain network know that the first contract information has been aborted.
509. The processing node returns the remaining target values in the security gold account to the first user node.
In this embodiment, since the processing node already knows the contract suspension, the balance stored in the security gold account for the first user needs to be refunded to the first user, thereby guaranteeing the rights and interests of the first user in the one-time prepaid contract.
In the working process, a first public key ID and a first private key password are set in a first user node, and a second public key ID and a second private key password are set in a second user node; wherein the first public key ID is a first user ID, the second public key ID is recorded as a second user ID,
the first public key ID is used for identifying the first user node, and may be, for example, an account name of the first user node, so that the first user may pay. The second public key ID is used for identifying the second user node, and may be, for example, an account name of the second user node, so that the second user may collect money.
The first private key password and the second private key password can be respectively used as payment passwords of the first user node and the second user node and verification passwords of uploading data to the blockchain network by the first user node and the second user node.
Wherein,
before uploading data to the blockchain network, the first user node needs to input a first private key password;
the second user node needs to enter a second private key password before uploading data to the blockchain network.
Thereby ensuring the accuracy and safety of the transaction.
The installment payment method provided by the embodiment of the application is applied to a blockchain network, wherein the blockchain network comprises a first user node, a second user node, a service node and a processing node, and the method comprises the following steps: the first user node or the second user node uploads first contract information of contracts signed by the first user and the second user to the blockchain network so that all nodes in the blockchain network synchronize the first contract information; the first user node uploads the standard value of the contract to a security gold account in the blockchain network; the service node obtains a consumption record of consumption of the first user node according to the first contract information; the service node uploads a consumption record to the blockchain network, wherein the consumption record contains consumption amount which is smaller than or equal to a target value; the processing node transfers money from the security gold account to a second user node according to the consumption amount so as to realize deduction; the processing node uploads the deduction record of the deduction to the blockchain network for all nodes in the blockchain network to synchronize the deduction record. The problem of storing and distributing the first user amount in the one-time prepayment process is solved through the working mode of the blockchain network.
The scheme provided by the embodiment of the application is introduced. It will be appreciated that the computer device, in order to carry out the functions described above, comprises corresponding hardware structures and/or software modules that perform the respective functions. Those of skill in the art will readily appreciate that the various illustrative modules and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The above method may be implemented by one entity device, or may be implemented by a plurality of entity devices together, or may be a logic functional module in one entity device, which is not limited in detail in the embodiment of the present application.
For example, the methods described above may all be implemented by the computer device in fig. 6. Fig. 6 is a schematic hardware structure of a computer device according to an embodiment of the present application. The computer device comprises at least one processor 601, communication lines 602, a memory 603 and at least one communication interface 604.
The processor 601 may be a general purpose central processing unit (central processing unit, CPU), microprocessor, application-specific integrated circuit (server IC), or one or more integrated circuits for controlling the execution of programs in accordance with aspects of the present application.
Communication line 602 may include a pathway to transfer information between the aforementioned components.
The communication interface 604 uses any transceiver-like device for communicating with other devices or communication networks, such as ethernet, radio access network (radio access network, RAN), wireless local area network (wireless local area networks, WLAN), etc.
The memory 603 may be, but is not limited to, a read-only memory (ROM) or other type of static storage device that can store static information and instructions, a random access memory (random access memory, RAM) or other type of dynamic storage device that can store information and instructions, an electrically erasable programmable read-only memory (EEPROM), a compact disc-only memory (compact disc read-only memory) or other optical disk storage, a compact disc storage (including compact disc, laser disc, optical disc, digital versatile disc, blu-ray disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be self-contained and coupled to the processor via communication line 602. The memory may also be integrated with the processor.
The memory 603 is used for storing computer-executable instructions for executing the present application, and is controlled by the processor 601 for execution. The processor 601 is configured to execute computer-executable instructions stored in the memory 603, thereby implementing the method provided by the above-described embodiment of the present application.
Alternatively, the computer-executable instructions in the embodiments of the present application may be referred to as application program codes, which are not particularly limited in the embodiments of the present application.
In a particular implementation, the processor 601 may include one or more CPUs, such as CPU0 and CPU1 of FIG. 6, as an embodiment.
In a particular implementation, as one embodiment, a computer device may include multiple processors, such as processor 601 and processor 607 in FIG. 6. Each of these processors may be a single-core (single-CPU) processor or may be a multi-core (multi-CPU) processor. A processor herein may refer to one or more devices, circuits, and/or processing cores for processing data (e.g., computer program instructions).
In a specific implementation, as an embodiment, the computer device may also include an output device 605 and an input device 606. The output device 605 communicates with the processor 601 and may display information in a variety of ways. For example, the output device 605 may be a liquid crystal display (liquid crystal display, LCD), a light emitting diode (light emitting diode, LED) display device, a Cathode Ray Tube (CRT) display device, or a projector (projector), or the like. The input device 606 is in communication with the processor 601 and may receive user input in a variety of ways. For example, the input device 606 may be a mouse, a keyboard, a touch screen device, a sensing device, or the like.
The computer device may be a general purpose device or a special purpose device. In particular implementations, the computer device may be a desktop, laptop, web server, palmtop (personal digital assistant, PDA), mobile handset, tablet, wireless terminal device, embedded device, or device having a similar structure as in fig. 6. Embodiments of the application are not limited to the type of computer device.
The embodiment of the application can divide the functional units of the storage device according to the method example, for example, each functional unit can be divided corresponding to each function, or two or more functions can be integrated in one processing unit. The integrated units may be implemented in hardware or in software functional units. It should be noted that, in the embodiment of the present application, the division of the units is schematic, which is merely a logic function division, and other division manners may be implemented in actual practice.
For example, in the case where the respective functional units are divided in an integrated manner, fig. 7 shows a schematic diagram of an installment apparatus.
As shown in fig. 7, an apparatus provided by an embodiment of the present application includes:
An installment payment device is applied to a block chain network, wherein the block chain network comprises a first user node, a second user node, a service node and a processing node;
the device comprises:
a first uploading unit 701, where the first uploading unit 701 is configured to upload, to a blockchain network, first contract information that is signed by a first user and a second user and corresponds to a target event, so as to synchronize the first contract information at all nodes in the blockchain network;
a second uploading unit 702, where the second uploading unit 702 is configured to upload the target value of the target event to a security gold account in the blockchain network;
an obtaining unit 703, where the obtaining unit 703 is configured to obtain a consumption record associated with the first contract information by the first user node, where the consumption record includes a consumption value, and the consumption value is less than or equal to the target value;
a third uploading unit 704, where the third uploading unit 704 is configured to upload the consumption record to the blockchain network;
a transfer unit 705, wherein the transfer unit 705 is configured to transfer a value from the security gold account to the second user node according to the consumption value;
A fourth uploading unit 706, wherein the fourth uploading unit 706 is configured to synchronize the value transfer record on the blockchain network.
Optionally, the second uploading unit 702 is further configured to:
uploading a second contract ID to the blockchain network while uploading the target value;
the acquisition unit 703 is further configured to:
before obtaining the consumption record of the consumption of the first user node according to the first contract information, the method further comprises:
the apparatus further comprises a judging unit 707, the judging unit 707 being configured to:
when the first contract ID is the same as the second contract ID and the target value is equal to the target total, the processing node determines that the first contract information is valid;
the processing node writes effective records and timestamp information in the first contract information to obtain second contract information;
the second uploading unit 702 is further configured to:
the processing node sends the second contract information to the blockchain network full network.
Optionally, the first contract information further includes: at least one of a first user ID, a second user ID, a transaction name, an installment payment method, and a deduction condition;
the service node obtaining a consumption record of consumption of the first user node according to the first contract information, including:
And when the deduction condition is met, the service node acquires the consumption record of the first user ID according to the installment payment mode.
Optionally, the third uploading unit 704 is further configured to:
the service node uploads first data to the blockchain network, wherein the first data comprises a first contract ID of the contract information, deduction conditions met by current consumption and service details, so that nodes in the blockchain network collect the first data according to time stamps in preset time, and synchronize the collected data to a blockchain after collecting according to the first contract ID.
Optionally, the first user node is provided with a first public key ID and a first private key password, and the second user node is provided with a second public key ID and a second private key password; wherein the first public key ID is the first user ID, the second public key ID is the second user ID,
before the first user node uploads data to the blockchain network, the first private key password is required to be input;
the second user node needs to enter the second private key password before uploading data to the blockchain network.
Optionally, the first contract information further includes a contract completion condition;
The apparatus further comprises a first termination unit 708, the first termination unit 708 being configured to:
when meeting the contract completion condition, the processing node writes contract completion conditions in the first contract information to obtain third contract information;
the processing node synchronizing the third contract information to the blockchain network;
and after receiving the third contract information, other nodes in the blockchain network return failure if receiving the consumption behavior of requesting the third contract information again.
Optionally, the first contract information further includes a contract suspension condition;
the apparatus further comprises a second termination unit 709, the second termination unit 709 being configured to:
when meeting the contract suspension condition, the processing node writes contract suspension conditions in the first contract information to obtain fourth contract information;
the processing node synchronizing the fourth contract information to the blockchain network;
the processing node returns the remaining target values in the security gold account to the first user node.
Further, embodiments of the present invention also provide a computer storage medium including instructions that, when executed on a computer device, cause the computer device to perform the above-described method.
The detailed description of the program stored in the computer storage medium according to the embodiment of the present application may refer to the above embodiment, and will not be repeated here.
In the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant points refer to the description of the method section.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. An installment payment method is characterized by being applied to a blockchain network, wherein the blockchain network comprises a first user node, a second user node, a service node and a processing node;
The method comprises the following steps:
the first user node or the second user node uploads first contract information, which is signed by the first user and the second user and corresponds to a target event, to a blockchain network so as to synchronize the first contract information on all nodes in the blockchain network; the first contract information includes: an installment payment method; the installment payment method comprises the following steps: paying according to the consumption times;
the first user node uploading a target value of the target event to a guard gold account in the blockchain network;
the service node obtains a consumption record associated with the first contract information by the first user node, wherein the consumption record comprises a consumption value which is smaller than or equal to the target value;
the service node uploads the consumption record to the blockchain network;
the processing node carries out value transfer from the security gold account to the second user node according to the consumption value;
the processing node synchronizes the value transfer records over the blockchain network.
2. The method of claim 1, wherein the first contract information further includes a first contract ID and a target total; the first user node uploading the target value of the target event to a guard gold account in the blockchain network further comprises:
The first user node uploading a second contract ID to the blockchain network while uploading the target value;
before the service node obtains the consumption record associated with the first contract information by the first user node, the method further comprises:
when the first contract ID is the same as the second contract ID and the target value is equal to the target total, the processing node determines that the first contract information is valid;
the processing node writes effective records and timestamp information in the first contract information to obtain second contract information;
the processing node sends the second contract information to the blockchain network.
3. The method of claim 2, wherein the first contract information further comprises: at least one of a first user ID, a second user ID, a transaction name, and a deduction condition;
the service node obtaining a consumption record associated with the first contract information by the first user node, including:
and when the deduction condition is met, the service node acquires the consumption record of the first user ID according to the installment payment mode.
4. The method of claim 3, wherein the service node uploading the consumption record to the blockchain network comprises:
The service node uploads first data to the blockchain network, wherein the first data comprises a first contract ID of the contract information, deduction conditions met by current consumption and service details, so that nodes in the blockchain network collect the first data according to time stamps in preset time, and synchronize the collected data to a blockchain after collecting according to the first contract ID.
5. A method according to claim 3, wherein a first public key ID and a first private key cipher are provided in the first user node, and a second public key ID and a second private key cipher are provided in the second user node; wherein the first public key ID is the first user ID, the second public key ID is the second user ID,
before the first user node uploads data to the blockchain network, the first private key password is required to be input;
the second user node needs to enter the second private key password before uploading data to the blockchain network.
6. The method according to any one of claims 1 to 5, wherein the first contract information further includes a contract completion condition;
after synchronizing the value transfer records on the blockchain network, the processing node further includes:
When meeting the contract completion condition, the processing node writes contract completion conditions in the first contract information to obtain third contract information;
the processing node synchronizing the third contract information to the blockchain network;
and after receiving the third contract information, other nodes in the blockchain network return failure if receiving the consumption behavior of requesting the third contract information again.
7. The method according to any one of claims 1 to 5, wherein the first contract information further includes a contract suspension condition;
after synchronizing the value transfer records on the blockchain network, the processing node further includes:
when meeting the contract suspension condition, the processing node writes contract suspension conditions in the first contract information to obtain fourth contract information;
the processing node synchronizing the fourth contract information to the blockchain network;
the processing node returns the remaining target values in the security gold account to the first user node.
8. An installment payment device is characterized by being applied to a blockchain network, wherein the blockchain network comprises a first user node, a second user node, a service node and a processing node;
The device comprises:
a first uploading unit, configured to upload, to a blockchain network, first contract information that is signed by a first user and a second user and corresponds to a target event, so as to synchronize the first contract information at all nodes in the blockchain network; the first contract information includes: an installment payment method; the installment payment method comprises the following steps: paying according to the consumption times;
a second uploading unit for uploading a target value of the target event to a guard gold account in the blockchain network;
the acquisition unit is used for acquiring a consumption record associated with the first contract information by the first user node, wherein the consumption record comprises a consumption value which is smaller than or equal to the target value;
a third uploading unit that uploads the consumption record to the blockchain network;
the transfer unit is used for transferring the value from the security gold account to the second user node according to the consumption value;
and the fourth uploading unit is used for synchronizing the numerical value transfer records on the blockchain network.
9. A computer device, the computer device comprising: an interaction device, an input/output (I/O) interface, a processor, and a memory, the memory having program instructions stored therein;
the interaction device is used for acquiring an operation instruction input by a user;
the processor is configured to execute program instructions stored in a memory and to perform the method according to any one of claims 1-7.
10. A computer readable storage medium comprising instructions which, when run on a computer device, cause the computer device to perform the method of any of claims 1-7.
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| CN111028084A (en) * | 2020-03-11 | 2020-04-17 | 支付宝(杭州)信息技术有限公司 | Transaction processing method, device and equipment based on block chain |
| CN113254486A (en) * | 2021-06-28 | 2021-08-13 | 卓尔智联(武汉)研究院有限公司 | Block chain information processing method and device |
| CN114707983A (en) * | 2022-06-02 | 2022-07-05 | 武汉智可信科技有限公司 | Consumption credible prepayment method and device based on block chain |
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