CN111415159A - Settlement data processing method and system based on block chain and related nodes - Google Patents
Settlement data processing method and system based on block chain and related nodes Download PDFInfo
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- CN111415159A CN111415159A CN202010342749.XA CN202010342749A CN111415159A CN 111415159 A CN111415159 A CN 111415159A CN 202010342749 A CN202010342749 A CN 202010342749A CN 111415159 A CN111415159 A CN 111415159A
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
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Abstract
The invention provides a settlement data processing method and system based on a block chain and related nodes, wherein the method comprises the following steps: the client side node receives and sends a pre-payment data transfer instruction input by a user to the blockchain network; the financial institution node writes the pre-payment data into the supervision account from the account of the client side according to the transfer instruction; when the service provider node finishes each service, a service confirmation request is generated and sent to the block chain network; the client side node receives the service confirmation information input by the user and sends the service confirmation information to the block chain network; the service provider node generates a transfer request and sends the transfer request to the blockchain network according to the service confirmation information and a preset pre-payment data processing mode; and the financial institution node writes settlement data corresponding to the service into the service provider account from the supervision account according to the transfer request. The technical scheme improves the reasonability of settlement data processing, ensures the safety of customer account data and further improves the customer satisfaction.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a settlement data processing method and system based on a block chain and all related nodes.
Background
Currently, a customer needs to load service prepayment data into an account of a merchant (service provider, such as education, sports, hairdressing, etc.) in advance before enjoying a certain service. In the process of enjoying the service, settlement data processing is carried out in a form of time or period. Therefore, how to supervise the rational processing use of the prepayment data becomes one of the core problems. If there is a problem with the prepaid or settlement data, the customer cannot trace back. Therefore, the existing settlement data processing scheme is unreasonable, has a plurality of problems and also causes low customer satisfaction.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a settlement data processing method based on a block chain, which is used for improving the reasonability of settlement data processing and ensuring the security of client account data, and nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the method comprises the following steps:
the method comprises the steps that a client side node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a block chain network;
the financial institution node transfers the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from the account of the client side according to the transfer instruction sent by the client side node through the blockchain network;
when each service is completed, a service provider node generates a service confirmation request and sends the service confirmation request to a block chain network;
the method comprises the steps that a client side node receives service confirmation information input by a user according to a service confirmation request sent by a service provider side node through a block chain network, and sends the service confirmation information to the block chain network;
the service provider node generates a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sends the transfer request to a block chain network;
and the financial institution node writes the settlement data corresponding to the service into the service provider account from the supervision account according to a transfer request sent by the service provider node through the blockchain network.
The embodiment of the invention also provides a settlement data processing method based on the block chain, which is applied to the nodes of the client side and used for improving the rationality of settlement data processing and ensuring the security of client account data, and the nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the method comprises the following steps:
receiving a pre-payment data transfer instruction input by a user;
sending the transfer instruction to a block chain network;
receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
and sending the service confirmation information to a block chain network.
The embodiment of the invention also provides a settlement data processing method based on the block chain, which is applied to the nodes of the service provider, and is used for improving the rationality of settlement data processing and ensuring the security of the account data of the client, and the nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the method comprises the following steps:
generating a service confirmation request upon completion of each service;
sending the service confirmation request to a block chain network;
generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset prepayment data processing mode;
and sending the transfer request to a block chain network.
The embodiment of the invention also provides a settlement data processing method based on the block chain, which is applied to the financial institution nodes and used for improving the rationality of settlement data processing and ensuring the security of customer account data, and the nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the method comprises the following steps:
according to a transfer instruction sent by a client side node through a blockchain network, pre-payment data corresponding to the transfer instruction is drawn into a supervision account which is pre-established in a financial institution by a service provider side node from a client side account;
and according to a transfer request sent by the service provider node through a blockchain network, allocating settlement data corresponding to the service into a service provider account from the supervision account.
The embodiment of the invention also provides a settlement data processing system based on the block chain, which is used for improving the reasonability of settlement data processing, ensuring the security of client account data and forming a block chain network by nodes of settlement data processing participants; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; wherein:
the client side node is used for receiving a prepayment data transfer instruction input by a user and sending the transfer instruction to the block chain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network, and sending the service confirmation information to the block chain network;
the financial institution node is used for drawing the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from an account of the client side according to the transfer instruction sent by the client side node through the blockchain network; according to a transfer request sent by a service provider node through a block chain network, transferring settlement data corresponding to the service into a service provider account from the supervision account;
the service provider node is used for generating a service confirmation request when each service is completed and sending the service confirmation request to the block chain network; and generating a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sending the transfer request to a block chain network.
The embodiment of the invention also provides a settlement data processing client side node based on the block chain, which is used for improving the rationality of settlement data processing and ensuring the security of client account data, and the settlement data processing participant side nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the client-side node includes:
the first receiving unit is used for receiving a pre-payment data transfer instruction input by a user; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
the first sending unit is used for sending the transfer instruction to a block chain network; and sending the service confirmation information to a block chain network.
The embodiment of the invention also provides a settlement data processing service provider node based on the block chain, which is used for improving the reasonability of settlement data processing and ensuring the safety of client account data, and the settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the service provider node comprises:
a first generation unit configured to generate a service confirmation request upon completion of each service;
a second sending unit, configured to send the service confirmation request to a blockchain network; sending the transfer request to a block chain network;
and the second generation unit is used for generating the transfer request according to the service confirmation information fed back by the service confirmation request and a preset prepayment data processing mode.
The embodiment of the invention also provides a settlement data processing financial institution node based on the block chain, which is used for improving the rationality of settlement data processing and ensuring the security of client account data, and the settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the financial institution node includes:
the first processing unit is used for drawing the prepayment data corresponding to the transfer instruction into a supervision account which is pre-established in a financial institution by a service provider node from a client account according to the transfer instruction sent by the client node through a blockchain network;
and the second processing unit is used for allocating settlement data corresponding to the service into the service provider account from the supervision account according to the transfer request sent by the service provider node through the blockchain network.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the settlement data processing method based on the block chain when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above settlement data processing method based on a block chain is stored in the computer-readable storage medium.
In the technical scheme provided by the embodiment of the invention, settlement data processing participant nodes form a block chain network; the settlement data processing participant node includes: a customer side node, a financial institution node and a service provider side node; the technical scheme is as follows: the client side node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to the block chain network; the financial institution node transfers the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from the account of the client side according to the transfer instruction sent by the client side node through the blockchain network; when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the block chain network; the method comprises the steps that a client side node receives service confirmation information input by a user according to a service confirmation request sent by a service provider side node through a block chain network, and sends the service confirmation information to the block chain network; the service provider node generates a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sends the transfer request to the block chain network; the financial institution node transfers settlement data corresponding to the service into the account of the service provider from the supervision account according to the transfer request sent by the service provider node through the block chain network, so that settlement data processing based on the block chain is realized, the rationality of settlement data processing is improved, the safety of customer account data is ensured, and further the customer satisfaction is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a block chain-based settlement data processing method applied to the system in the embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating a block chain-based settlement data processing method according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating a block chain-based settlement data processing method applied to a client node according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating a block chain-based settlement data processing method applied to a server node according to an embodiment of the present invention;
FIG. 5 is a flow chart illustrating a block chain-based settlement data processing method applied to a financial institution node according to an embodiment of the present invention;
FIG. 6 is a block chain-based settlement data processing system according to an embodiment of the present invention;
FIG. 7 is a block chain-based settlement data processing client node according to an embodiment of the present invention;
FIG. 8 is a block chain-based settlement data processing financial institution node according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a settlement data processing server node based on a block chain in an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Before the scheme provided by the embodiment of the present invention is introduced, the terms related to the embodiment of the present invention are first introduced:
the blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes in the blockchain system.
Blockchain design is a protective measure, such as (applied to) highly fault-tolerant distributed computing systems. Block chains enable mixed consistency. This makes the blockchain suitable for recording events, titles, medical records and other activities requiring the inclusion of data, identification management, transaction flow management and provenance management.
The block chain has the advantages that credit related information can be automatically recorded by means of a program algorithm and stored on each computer of the block chain network, and the block chain is transparent, non-falsifiable and low in use cost. The commercial bank may store and share the customer's credit information at the local institution in encrypted form.
The inventor finds that: at present, financial institutions (such as banks) and regulatory agencies (such as governments) have paid attention to the huge demand of the society for the regulation of settlement data of various services, and have tried in some areas and fields, and the public settlement data processing products provided for the society mainly have limitations in several aspects: firstly, the field-oriented is narrow and is implemented in only one aspect or one industry; secondly, the region is limited, an independent product or platform is needed when local governments generally participate in the region, and repeated construction exists; third, there is a problem in standardization, and the slave interface, the development standard, the platform construction, etc. are different depending on the industry and the region.
Since the inventor considers the above technical problems and the technical problems existing in the background art, a settlement data processing scheme based on a block chain is provided, which applies the characteristics of autonomy, information non-falsification and the like of the block chain and can effectively support the improvement of the problem, and specifically:
firstly, an industry block chain is established, all clients and organizations (service providers) register on the block chain, the organizations and the clients sign intelligent contracts, the clients draw pre-payment data into related supervision accounts of banks according to the intelligent contracts, the organizations inform banks to draw settlement data into own organization accounts (service provider accounts) according to forms of times or periods and the like in the contracts and client confirmation information, and a final transaction flow is completed.
Secondly, a block chain of the industry is established, and the requirements of customers, institutions (service providers), banks (financial institutions), government supervision and the like can be effectively connected in series:
1. autonomy: the blockchain adopts the specification and protocol (such as a set of public transparent algorithm) based on the consistency of negotiation, so that all nodes in the whole system can freely and safely exchange data in a distrust environment, the trust of people is changed into the trust of machines, and any human intervention does not work.
2. The information is not falsifiable: once the information is validated and added to the blockchain, it is permanently stored, and unless more than 51% of the nodes in the system can be controlled simultaneously, the database modifications at the individual nodes are invalid, and therefore the data stability and reliability of the blockchain is extremely high.
The block chain-based settlement data processing scheme will be described in detail below.
Fig. 1 is a schematic flow chart of a block chain-based settlement data processing method applied to a system in an embodiment of the present invention, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the method comprises the following steps:
step 101: the method comprises the steps that a client side node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a block chain network;
step 102: the financial institution node transfers the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from the account of the client side according to the transfer instruction sent by the client side node through the blockchain network;
step 103: when each service is completed, a service provider node generates a service confirmation request and sends the service confirmation request to a block chain network;
step 104: the method comprises the steps that a client side node receives service confirmation information input by a user according to a service confirmation request sent by a service provider side node through a block chain network, and sends the service confirmation information to the block chain network;
step 105: the service provider node generates a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sends the transfer request to a block chain network;
step 106: and the financial institution node writes the settlement data corresponding to the service into the service provider account from the supervision account according to a transfer request sent by the service provider node through the blockchain network.
The settlement data processing method based on the block chain, which is applied to the system, realizes settlement data processing based on the block chain, improves the reasonability of settlement data processing, ensures the safety of customer account data and further improves the customer satisfaction.
The following describes in detail each step of the block chain based settlement data processing method applied to the system according to the embodiment of the present invention with reference to fig. 2.
In specific implementation, before implementing the settlement data processing scheme based on the block chain provided by the embodiment of the present invention, an industry block chain is established, a service provider, a client, and a financial institution complete block chain registration in advance, and sign an intelligent contract (the intelligent contract may include the settlement data processing scheme based on the block chain provided by the embodiment of the present invention), so as to implement registration, an intelligent contract, check-in confirmation, supervision data delivery, dispute data provision, and the like.
In one embodiment, the settlement data processing participant node may further comprise: a supervisory authority node; the block chain-based settlement data processing method may further include:
the financial institution node sends settlement data processing result information to the block chain network;
and when determining that the client or the service provider has a credit problem according to settlement data processing result information sent by the financial institution node through the blockchain network, the supervision institution node generates supervision abnormal information and sends the supervision abnormal information to the credit investigation system.
In specific implementation, a regulatory body such as a government department can implement supervision through information acquired from the blockchain, judge the credit and other problems of the service provider or the client, and submit a credit investigation system to the illegal body (service provider) or the client according to the regulations.
In one embodiment, the settlement data processing participant node may further comprise: a dispute platform node; the block chain-based settlement data processing method may further include:
a client side node or a service provider side node receives a dispute request initiated by a user for pre-payment data or settlement data, and sends the dispute request to a block chain network;
and the dispute platform node receives the dispute request sent by the block chain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the block chain network.
In specific implementation, for disputes of account data problems which cannot be solved by an organization (a service provider) and a client on a block chain, arbitration is generated on a dispute platform, and the safety of settlement data of both parties is further ensured.
In an embodiment, the above method for processing settlement data based on a blockchain may further include:
a client side node receives a refund request input by a user and sends the refund request to a block chain network;
the service provider node receives refund request processing result information input by a user according to a refund request sent by a client node through a blockchain network, and sends the refund request processing result information to the blockchain network;
and the financial institution node receives refund request processing result information sent by the service provider node through the blockchain network, and when the processing result information is approved, refund data corresponding to the refund request is drawn into a supervision account from an account of the service provider or refund data corresponding to the refund request is drawn into an account of a client from the supervision account.
In specific implementation, the embodiment realizes the transaction of the refund request for the client, and further ensures the security of the account data of the client.
To sum up, the technical solution provided by the embodiment of the present invention realizes:
1. the block chain technical characteristics are fully utilized to meet the requirements of customers on account data security, and the requirements of supervision authorities on prepayment data, settlement data, credit of service providers and customers and the like.
2. The cross-platform and cross-industry integration is realized to the maximum extent, and the scene service function is realized.
3. The industrial block chain supervision platform is established, the supervision requirements of the multi-party account data are met to the greatest extent, repeated construction is reduced, interfaces are standardized, and cost is reduced.
Based on the same inventive concept, the embodiment of the present invention further provides a method for processing settlement data based on a block chain, which is applied to a client node, as described in the following embodiments. Since the principle of solving the problem of the block chain based settlement data processing method applied to the client side node is similar to that of the block chain based settlement data processing method applied to the system, the block chain based settlement data processing method applied to the client side node can be implemented by referring to the block chain based settlement data processing method applied to the system, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 3 is a schematic flow chart of a block chain-based settlement data processing method applied to a client side node in an embodiment of the present invention, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 3, the method comprises the steps of:
step 201: receiving a pre-payment data transfer instruction input by a user;
step 202: sending the transfer instruction to a block chain network;
step 203: receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
step 204: and sending the service confirmation information to a block chain network.
In one embodiment, the block chain-based settlement data processing method applied to the client node may further include:
receiving a dispute request initiated by a user for the pre-payment data or the settlement data;
and sending the dispute request to a blockchain network.
In one embodiment, the block chain-based settlement data processing method applied to the client node may further include:
receiving a refund request input by a user;
and sending the refund request to a block chain network.
Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based settlement data processing method applied to a service provider node, as described in the following embodiments. Since the principle of solving the problem of the block chain based settlement data processing method applied to the service provider node is similar to that of the block chain based settlement data processing method applied to the system, the block chain based settlement data processing method applied to the service provider node can be implemented by referring to the block chain based settlement data processing method applied to the system, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a schematic flowchart of a block chain-based settlement data processing method applied to a server node in an embodiment of the present invention, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 4, the method includes the steps of:
step 301: generating a service confirmation request upon completion of each service;
step 302: sending the service confirmation request to a block chain network;
step 303: generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset prepayment data processing mode;
step 304: and sending the transfer request to a block chain network.
In one embodiment, the block chain-based settlement data processing method applied to the server node may further include:
receiving a dispute request initiated by a user for the pre-payment data or the settlement data;
and sending the dispute request to a blockchain network.
In one embodiment, the block chain-based settlement data processing method applied to the server node may further include:
receiving refund request processing result information input by a user according to a refund request sent by a client side node through a block chain network;
and sending the refund request processing result information to a block chain network.
Based on the same inventive concept, the embodiment of the present invention further provides a block chain based settlement data processing method applied to a financial institution node, as described in the following embodiments. Because the principle of solving the problem of the block chain-based settlement data processing method applied to the financial institution node is similar to that of the block chain-based settlement data processing method applied to the system, the block chain-based settlement data processing method applied to the financial institution node can be implemented by referring to the block chain-based settlement data processing method applied to the system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
FIG. 5 is a schematic flow chart of a block chain-based settlement data processing method applied to financial institution nodes, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 5, the method includes the steps of:
step 401: according to a transfer instruction sent by a client side node through a blockchain network, pre-payment data corresponding to the transfer instruction is drawn into a supervision account which is pre-established in a financial institution by a service provider side node from a client side account;
step 402: and according to a transfer request sent by the service provider node through a blockchain network, allocating settlement data corresponding to the service into a service provider account from the supervision account.
In an embodiment, the above method for processing settlement data based on a blockchain may further include:
receiving refund request processing result information sent by a service provider node through a block chain network;
and when the processing result information is agreement, transferring the refund data corresponding to the refund request from the service provider account into the supervision account, or transferring the refund data corresponding to the refund request from the supervision account into the client account.
In an embodiment, the above method for processing settlement data based on a blockchain may further include: and sending the settlement data processing result information to the block chain network.
Based on the same inventive concept, the embodiment of the present invention further provides a settlement data processing system based on a block chain, as described in the following embodiments. Because the principle of solving the problem of the settlement data processing system based on the block chain is similar to that of the settlement data processing method based on the block chain applied to the system, the implementation of the settlement data processing system based on the block chain can refer to the implementation of the settlement data processing method based on the block chain applied to the system, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
FIG. 6 is a block chain-based settlement data processing system according to an embodiment of the present invention, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; wherein:
the client side node 01 is used for receiving a prepayment data transfer instruction input by a user and sending the transfer instruction to the block chain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network, and sending the service confirmation information to the block chain network;
the financial institution node 02 is used for drawing the prepayment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from an account of the client according to the transfer instruction sent by the client node through the blockchain network; according to a transfer request sent by a service provider node through a block chain network, transferring settlement data corresponding to the service into a service provider account from the supervision account;
the service provider node 03 is configured to generate a service confirmation request when each service is completed, and send the service confirmation request to the blockchain network; and generating a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sending the transfer request to a block chain network.
In one embodiment, the financial institution node may be further configured to send settlement data processing result information to a blockchain network; the settlement data processing participant node may further include:
and the supervision mechanism node is used for generating supervision abnormal information and sending the supervision abnormal information to the credit investigation system when determining that the client or the service provider has credit problems according to settlement data processing result information sent by the financial mechanism node through the blockchain network.
In one embodiment, the client node or the service provider node may be further configured to receive a dispute request initiated by a user for pre-payment data or settlement data, and send the dispute request to a blockchain network; the settlement data processing participant node may further include:
and the dispute platform node is used for receiving the dispute request sent by the block chain network, processing the dispute request to obtain a dispute processing result and sending the dispute processing result to the block chain network.
In one embodiment, the client node may be further configured to receive a refund request input by a user, and send the refund request to a blockchain network;
the service provider node can also be used for receiving refund request processing result information input by a user according to a refund request sent by a client node through the blockchain network, and sending the refund request processing result information to the blockchain network;
the financial institution node may be further configured to receive refund request processing result information sent by the service provider node through the blockchain network, and when the processing result information is an agreement, transfer refund data corresponding to the refund request from the service provider account into the administrative account, or transfer refund data corresponding to the refund request from the administrative account into the client account.
Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based settlement data processing client side node, as described in the following embodiments. Since the principle of solving the problem of the settlement data processing client side node based on the block chain is similar to the settlement data processing method based on the block chain applied to the system, the implementation of the settlement data processing client side node based on the block chain can refer to the implementation of the settlement data processing method based on the block chain applied to the system, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
FIG. 7 is a block chain-based settlement data processing client side node structure diagram in an embodiment of the present invention, and settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 7, the client-side node includes:
a first receiving unit 011 for receiving a pre-payment data transfer instruction input by a user; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
a first sending unit 012, configured to send the transfer instruction to a blockchain network; and sending the service confirmation information to a block chain network.
In one embodiment, the first receiving unit may be further configured to receive a dispute request initiated by a user for the prepaid data or the settlement data; the first sending unit may be further configured to send the dispute request to a blockchain network.
In one embodiment, the first receiving unit may be further configured to receive a refund request input by a user; the first sending unit may be further configured to send the refund request to a blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a settlement data processing financial institution node based on a block chain, as described in the following embodiments. Because the principle of solving the problem of the settlement data processing financial institution nodes based on the block chain is similar to the settlement data processing method based on the block chain applied to the system, the implementation of the settlement data processing financial institution nodes based on the block chain can refer to the implementation of the settlement data processing method based on the block chain applied to the system, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
FIG. 8 is a block chain-based settlement data processing financial institution node configuration diagram in an embodiment of the present invention, wherein settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 8, the financial institution node includes:
the first processing unit 021 is used for drawing the prepayment data corresponding to the transfer instruction into a supervision account which is pre-established in a financial institution by a service provider node from an account of a client according to the transfer instruction sent by the client node through a blockchain network;
and a second processing unit 022, configured to, according to a transfer request sent by a service provider node through a blockchain network, allocate, from the administrative account, settlement data corresponding to the service to a service provider account.
In one embodiment, the settlement data processing financial institution node may further include:
a third receiving unit, configured to receive refund request processing result information sent by the service provider node through the blockchain network;
and the third processing unit is used for transferring the refund data corresponding to the refund request into the supervision account from the service provider account or transferring the refund data corresponding to the refund request into the client account from the supervision account when the processing result information is agreement.
In one embodiment, the settlement data processing financial institution node may further include: and the third sending unit is used for sending the settlement data processing result information to the block chain network.
Based on the same inventive concept, embodiments of the present invention further provide a block chain-based settlement data processing service provider node, as described in the following embodiments. Since the principle of solving the problem of the settlement data processing service provider node based on the block chain is similar to that of the settlement data processing method based on the block chain applied to the system, the implementation of the settlement data processing service provider node based on the block chain can refer to the implementation of the settlement data processing method based on the block chain applied to the system, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 9 is a schematic structural diagram of a settlement data processing server node based on a block chain in an embodiment of the present invention, and settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; as shown in fig. 9, the service provider node includes:
a first generating unit 031 for generating a service confirmation request upon completion of each service;
a second sending unit 032, configured to send the service confirmation request to a blockchain network; sending the transfer request to a block chain network;
the second generating unit 033 is configured to generate a transfer request according to the service confirmation information fed back by the service confirmation request and a preset prepaid data processing manner.
In one embodiment, the server node may further include: the second receiving unit is used for receiving a dispute request initiated by the user for the pre-payment data or the settlement data;
the second sending unit may be further configured to send the dispute request to a blockchain network.
In one embodiment, the second receiving unit may be further configured to receive refund request processing result information input by a user according to a refund request sent by a client node through a blockchain network;
the second sending unit may be further configured to send the refund request processing result information to a blockchain network.
In particular, the client node and the service provider node may be a combination of a PC, a PAD, a smart phone, and an APP.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the settlement data processing method based on the block chain when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above settlement data processing method based on a block chain is stored in the computer-readable storage medium.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: settlement data processing based on the block chain is realized, the reasonability of settlement data processing is improved, the safety of customer account data is ensured, and further the customer satisfaction is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (18)
1. A settlement data processing method based on a block chain is characterized in that nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the settlement data processing method based on the block chain comprises the following steps:
the method comprises the steps that a client side node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a block chain network;
the financial institution node transfers the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from the account of the client side according to the transfer instruction sent by the client side node through the blockchain network;
when each service is completed, a service provider node generates a service confirmation request and sends the service confirmation request to a block chain network;
the method comprises the steps that a client side node receives service confirmation information input by a user according to a service confirmation request sent by a service provider side node through a block chain network, and sends the service confirmation information to the block chain network;
the service provider node generates a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sends the transfer request to a block chain network;
and the financial institution node writes the settlement data corresponding to the service into the service provider account from the supervision account according to a transfer request sent by the service provider node through the blockchain network.
2. The blockchain-based settlement data processing method according to claim 1, wherein the settlement data processing participant node further includes: a supervisory authority node; the settlement data processing method based on the block chain further comprises the following steps:
the financial institution node sends settlement data processing result information to the block chain network;
and when determining that the client or the service provider has a credit problem according to settlement data processing result information sent by the financial institution node through the blockchain network, the supervision institution node generates supervision abnormal information and sends the supervision abnormal information to the credit investigation system.
3. The blockchain-based settlement data processing method according to claim 1, wherein the settlement data processing participant node further includes: a dispute platform node; the settlement data processing method based on the block chain further comprises the following steps:
a client side node or a service provider side node receives a dispute request initiated by a user for pre-payment data or settlement data, and sends the dispute request to a block chain network;
and the dispute platform node receives the dispute request sent by the block chain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the block chain network.
4. The block chain-based settlement data processing method according to claim 1, further comprising:
a client side node receives a refund request input by a user and sends the refund request to a block chain network;
the service provider node receives refund request processing result information input by a user according to a refund request sent by a client node through a blockchain network, and sends the refund request processing result information to the blockchain network;
and the financial institution node receives refund request processing result information sent by the service provider node through the blockchain network, and when the processing result information is approved, refund data corresponding to the refund request is drawn into a supervision account from an account of the service provider or refund data corresponding to the refund request is drawn into an account of a client from the supervision account.
5. A settlement data processing method based on block chain is applied to client side nodes and is characterized in that settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the settlement data processing method based on the block chain comprises the following steps:
receiving a pre-payment data transfer instruction input by a user;
sending the transfer instruction to a block chain network;
receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
and sending the service confirmation information to a block chain network.
6. A settlement data processing method based on block chain is applied to a service provider node and is characterized in that settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the settlement data processing method based on the block chain comprises the following steps:
generating a service confirmation request upon completion of each service;
sending the service confirmation request to a block chain network;
generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset prepayment data processing mode;
and sending the transfer request to a block chain network.
7. A settlement data processing method based on block chain is applied to financial institution nodes and is characterized in that settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the settlement data processing method based on the block chain comprises the following steps:
according to a transfer instruction sent by a client side node through a blockchain network, pre-payment data corresponding to the transfer instruction is drawn into a supervision account which is pre-established in a financial institution by a service provider side node from a client side account;
and according to a transfer request sent by the service provider node through a blockchain network, allocating settlement data corresponding to the service into a service provider account from the supervision account.
8. The block chain-based settlement data processing method according to claim 7, further comprising:
receiving refund request processing result information sent by a service provider node through a block chain network;
and when the processing result information is agreement, transferring the refund data corresponding to the refund request from the service provider account into the supervision account, or transferring the refund data corresponding to the refund request from the supervision account into the client account.
9. A settlement data processing system based on a block chain is characterized in that nodes of settlement data processing participants form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; wherein:
the client side node is used for receiving a prepayment data transfer instruction input by a user and sending the transfer instruction to the block chain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network, and sending the service confirmation information to the block chain network;
the financial institution node is used for drawing the pre-payment data corresponding to the transfer instruction into a supervision account which is pre-established in the financial institution by the service provider node from an account of the client side according to the transfer instruction sent by the client side node through the blockchain network; according to a transfer request sent by a service provider node through a block chain network, transferring settlement data corresponding to the service into a service provider account from the supervision account;
the service provider node is used for generating a service confirmation request when each service is completed and sending the service confirmation request to the block chain network; and generating a transfer request according to the service confirmation information and a preset prepayment data processing mode, and sending the transfer request to a block chain network.
10. The blockchain-based settlement data processing system of claim 9, wherein the financial institution node is further configured to transmit settlement data processing result information to a blockchain network; the settlement data processing participant node further comprises:
and the supervision mechanism node is used for generating supervision abnormal information and sending the supervision abnormal information to the credit investigation system when determining that the client or the service provider has credit problems according to settlement data processing result information sent by the financial mechanism node through the blockchain network.
11. The blockchain-based settlement data processing system of claim 9, wherein the client node or the service provider node is further configured to receive a dispute request initiated by a user for the prepaid data or the settlement data, and to send the dispute request to the blockchain network; the settlement data processing participant node further comprises:
and the dispute platform node is used for receiving the dispute request sent by the block chain network, processing the dispute request to obtain a dispute processing result and sending the dispute processing result to the block chain network.
12. The blockchain-based settlement data processing system of claim 9, wherein:
the client side node is also used for receiving a refund request input by a user and sending the refund request to the block chain network;
the service provider node is also used for receiving refund request processing result information input by a user according to a refund request sent by a client node through the blockchain network, and sending the refund request processing result information to the blockchain network;
the financial institution node is also used for receiving refund request processing result information sent by the service provider node through the blockchain network, and when the processing result information is agreed, refund data corresponding to the refund request is transferred into a supervision account from an account of the service provider, or refund data corresponding to the refund request is transferred into an account of a client from the supervision account.
13. A settlement data processing client side node based on a block chain is characterized in that settlement data processing participant side nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the client-side node includes:
the first receiving unit is used for receiving a pre-payment data transfer instruction input by a user; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a block chain network;
the first sending unit is used for sending the transfer instruction to a block chain network; and sending the service confirmation information to a block chain network.
14. A settlement data processing service provider node based on a block chain is characterized in that settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the service provider node comprises:
a first generation unit configured to generate a service confirmation request upon completion of each service;
a second sending unit, configured to send the service confirmation request to a blockchain network; sending the transfer request to a block chain network;
and the second generation unit is used for generating the transfer request according to the service confirmation information fed back by the service confirmation request and a preset prepayment data processing mode.
15. A settlement data processing financial institution node based on a block chain is characterized in that settlement data processing participant nodes form a block chain network; the settlement data processing participant node comprises: a customer side node, a financial institution node and a service provider side node; the financial institution node includes:
the first processing unit is used for drawing the prepayment data corresponding to the transfer instruction into a supervision account which is pre-established in a financial institution by a service provider node from a client account according to the transfer instruction sent by the client node through a blockchain network;
and the second processing unit is used for allocating settlement data corresponding to the service into the service provider account from the supervision account according to the transfer request sent by the service provider node through the blockchain network.
16. The blockchain-based settlement data processing financial institution node of claim 15 further comprising:
a third receiving unit, configured to receive refund request processing result information sent by the service provider node through the blockchain network;
and the third processing unit is used for transferring the refund data corresponding to the refund request into the supervision account from the service provider account or transferring the refund data corresponding to the refund request into the client account from the supervision account when the processing result information is agreement.
17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.
18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 8.
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