CN111415159B - Block chain-based settlement data processing method, system and relevant nodes - Google Patents

Block chain-based settlement data processing method, system and relevant nodes Download PDF

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CN111415159B
CN111415159B CN202010342749.XA CN202010342749A CN111415159B CN 111415159 B CN111415159 B CN 111415159B CN 202010342749 A CN202010342749 A CN 202010342749A CN 111415159 B CN111415159 B CN 111415159B
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blockchain network
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request
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CN111415159A (en
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胡俊
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Bank of China Ltd
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention provides a block chain-based settlement data processing method, a block chain-based settlement data processing system and each related node, wherein the method comprises the following steps: the client node receives and transmits a prepayment data transfer instruction input by a user to the blockchain network; the financial institution node credits the pre-payment data into the supervising account from the client account according to the transfer instruction; when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network; the client node receives service confirmation information input by a user and sends the service confirmation information to the blockchain network; the service provider node generates a transfer request according to the service confirmation information and a preset pre-payment data processing mode and sends the transfer request to the blockchain network; and the financial institution node credits 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 rationality of the processing of the structural data, ensures the safety of the data of the customer account, and further improves the satisfaction degree of the customer.

Description

Block chain-based settlement data processing method, system and relevant nodes
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a block chain-based settlement data processing method and system, and each related node.
Background
Currently, customers need to put service prepaid data into merchant (service provider, e.g., education, sports, beauty salons, etc.) accounts in advance before they enjoy a certain service. And in the process of enjoying service, settlement data processing is carried out in a time or period mode. Therefore, how to manage the rationality handling use of prepaid data becomes one of the core issues. If there is a problem with the pre-payment data or settlement data, the customer cannot trace back again. Therefore, the existing settlement data processing scheme is unreasonable, has a plurality of problems, and also can lead to low customer satisfaction.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The embodiment of the invention provides a block chain-based settlement data processing method, which is used for improving the rationality of settlement data processing, ensuring the safety of customer account data and enabling settlement data processing participant nodes to form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the method comprises the following steps:
The client node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a blockchain network;
the financial institution node writes pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client 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 client node receives service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sends the service confirmation information to the blockchain network;
the service provider node generates a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sends the transfer request to a blockchain network;
and the financial institution node credits 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 a block chain-based settlement data processing method which is applied to the client side nodes and is used for improving the rationality of settlement data processing and ensuring the safety of client account data, wherein the settlement data processing participant side nodes form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the method comprises the following steps:
Receiving a prepayment data transfer instruction input by a user;
sending the transfer instruction to a blockchain network;
receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network;
and sending the service confirmation information to a block chain network.
The embodiment of the invention also provides a block chain-based settlement data processing method which is applied to the service provider node and is used for improving the rationality of settlement data processing and ensuring the safety of customer account data, wherein the settlement data processing participant nodes form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the method comprises the following steps:
generating a service confirmation request when each service is completed;
sending the service confirmation request to a blockchain network;
generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset pre-payment data processing mode;
the transfer request is sent to a blockchain network.
The embodiment of the invention also provides a block chain-based settlement data processing method which is applied to the financial institution nodes and is used for improving the rationality of settlement data processing and ensuring the safety of customer account data, wherein the settlement data processing participant nodes form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the method comprises the following steps:
According to a transfer instruction sent by a client node through a blockchain network, drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by a service provider node in a financial institution from a client account;
and according to the transfer request sent by the service provider node through the blockchain network, drawing settlement data corresponding to the service into the service provider account from the supervision account.
The embodiment of the invention also provides a block chain-based settlement data processing system which is used for improving the rationality of settlement data processing, ensuring the safety of customer account data and enabling settlement data processing participant nodes to form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; wherein:
the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to the blockchain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sending the service confirmation information to the blockchain network;
the financial institution node is used for drawing the pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from the client account 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 blockchain network, drawing settlement data corresponding to the service into a service provider account from the supervision account;
A service provider node for generating a service confirmation request and transmitting the service confirmation request to a block chain network when each service is completed; and generating a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sending the transfer request to a blockchain network.
The embodiment of the invention also provides a client node for processing the settlement data based on the blockchain, which is used for improving the rationality of the settlement data processing, ensuring the safety of the client account data and forming a blockchain network by the nodes of the settlement data processing participants; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the client node comprises:
a first receiving unit for receiving a prepaid 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 blockchain network;
the first sending unit is used for sending the transfer instruction to a blockchain network; and sending the service confirmation information to a block chain network.
The embodiment of the invention also provides a block chain-based settlement data processing service provider node which is used for improving the rationality of settlement data processing, ensuring the safety of customer account data and enabling the settlement data processing participant nodes to form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the service provider node comprises:
A first generation unit configured to generate a service confirmation request when each service is completed;
a second sending unit, configured to send the service confirmation request to a blockchain network; sending the transfer request to a blockchain network;
and the second generating unit is used for generating a transfer request according to the service confirmation information fed back by the service confirmation request and a preset pre-payment data processing mode.
The embodiment of the invention also provides a block chain-based settlement data processing financial institution node which is used for improving the rationality of settlement data processing, ensuring the safety of customer account data and enabling settlement data processing participant nodes to form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the financial institution node includes:
the first processing unit is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in a financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network;
and the second processing unit is used for drawing 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 stored on the memory and capable of running on the processor, wherein the processor realizes the block chain-based settlement data processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the block chain-based settlement data processing method.
In the technical scheme provided by the embodiment of the invention, settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the technical scheme is that: the client node receives a prepayment data transfer instruction input by a user and sends the transfer instruction to a blockchain network; the financial institution node writes pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client 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 blockchain network; the client node receives the service confirmation information input by the user according to the service confirmation request sent by the service provider node through the blockchain network, and sends the service confirmation information to the blockchain network; the service provider node generates a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sends the transfer request to a blockchain network; 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 sent by the service provider node through the blockchain network, so that settlement data processing based on the blockchain is realized, the rationality of the 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 invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a blockchain-based settlement data processing method applied to a system in an embodiment of the invention;
FIG. 2 is a schematic diagram of a blockchain-based settlement data processing method in accordance with an embodiment of the present invention;
FIG. 3 is a flow chart of a blockchain-based settlement data processing method applied to a client node in an embodiment of the invention;
FIG. 4 is a flow chart of a blockchain-based settlement data processing method applied to a server node in an embodiment of the invention;
FIG. 5 is a flow chart of a blockchain-based settlement data processing method applied to a financial institution node in accordance with an embodiment of the present invention;
FIG. 6 is a block chain based settlement data processing system according to the embodiment of the invention;
FIG. 7 is a schematic diagram of a block chain based settlement data processing client node in accordance with an embodiment of the invention;
FIG. 8 is a schematic diagram of a blockchain-based settlement data processing financial institution node in accordance with an embodiment of the present invention;
fig. 9 is a schematic diagram of a block chain based settlement data processing server node according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention 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 invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Before describing the scheme provided by the embodiment of the present invention, the nouns related to the embodiment of the present invention are first described:
blockchains are novel application modes of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and the like. The common knowledge mechanism is a mathematical algorithm for realizing trust establishment and rights acquisition among different nodes in a block chain system.
The design of blockchain is a protective measure, such as (applied to) highly fault tolerant distributed computing systems. Blockchains enable hybrid consistency. This adapts the blockchain to record events, titles, medical records, and other activities requiring listing data, identification management, transaction flow management, and provenance management.
The blockchain has the advantages that the credit related information can be automatically recorded by means of a program algorithm and stored on each computer of the blockchain network, and the information is transparent, non-tamperable and low in use cost. Commercial banks may store and share the credit information of customers at the institution in an encrypted form.
The inventors found that: currently, financial institutions (e.g., banks) and regulatory institutions (e.g., governments) have noted the enormous demands on society for the administration of settlement data for various services, and have developed trials in some areas and fields, these socially-oriented public settlement data processing products have mainly several limitations: the method is narrower in the field, and is implemented in one aspect or industry only; secondly, the regional limitation is generally participated by local government, an independent product or platform is needed, and repeated construction exists; thirdly, the standardization has problems, and the interfaces, development standardization, platform construction and the like are different from industry to region.
The inventor considers the technical problems in the prior art and the technical problems in the background art, so a settlement data processing scheme based on a blockchain is provided, the scheme adopts the characteristics of autonomy, non-falsification of information and the like of the blockchain, and can effectively support the improvement of the problem, and the scheme specifically comprises the following steps:
firstly, an industry block chain is established, all clients and institutions (service providers) register on the block chain, the institutions and the clients sign intelligent contracts, the clients deposit pre-payment data into relevant supervision accounts of banks according to the intelligent contracts, the institutions notify banking to deposit the supervision accounts into the accounts of the institutions (service provider accounts) according to the forms of times or periods and the like in the contracts and client confirmation information, and the final transaction flow is completed.
Secondly, the block chain of the industry is established, and the requirements of clients, institutions (service providers), banks (financial institutions), government supervision and the like can be effectively connected in series:
1. autonomy: the blockchain adopts a specification and a protocol (such as a set of publicly transparent algorithms) based on negotiation so that all nodes in the whole system can freely and safely exchange data in a trusted environment, the trust of 'people' is changed into the trust of machines, and any human intervention does not work.
2. The information is not tamperable: once the information is verified and added to the blockchain, it is permanently stored, and modifications to the database on a single node are not valid unless more than 51% of the nodes in the system can be simultaneously controlled, so the blockchain is extremely data stable and reliable.
The blockchain-based settlement data processing scheme is described in detail below.
FIG. 1 is a flow chart of a blockchain-based settlement data processing method applied to a system in an embodiment of the invention, wherein settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the method comprises the following steps:
step 101: the client node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a blockchain network;
step 102: the financial institution node writes pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network;
step 103: 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;
Step 104: the client node receives service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sends the service confirmation information to the blockchain network;
step 105: the service provider node generates a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sends the transfer request to a blockchain network;
step 106: and the financial institution node credits 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 block chain-based settlement data processing method applied to the system provided by the embodiment of the invention realizes the block chain-based settlement data processing, improves the rationality of the settlement data processing, ensures the safety of the customer account data, and further improves the customer satisfaction.
The following describes in detail the steps of the blockchain-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, firstly, before implementing the blockchain-based settlement data processing scheme provided by the embodiment of the invention, an industry blockchain is built, a service provider, a client side and a financial institution complete blockchain registration in advance, and an intelligent contract (the intelligent contract can comprise the blockchain-based settlement data processing scheme provided by the embodiment of the invention) is signed, so that registration, intelligent contract, sign-in confirmation, supervision data report, dispute data provision and the like are realized.
In one embodiment, the settlement data processing participant node may further include: a supervisory agency node; the blockchain-based settlement data processing method may further include:
the financial institution node sends settlement data processing result information to the blockchain network;
and the supervision organization node generates supervision abnormal information when determining that the client or the service provider has credit problems according to settlement data processing result information sent by the financial organization node through the blockchain network, and sends the supervision abnormal information to the credit investigation system.
In practice, a regulatory agency, such as a government department, may conduct regulations through information obtained from a blockchain to determine problems with credit to a service provider or customer, and submit a credit rating system to the offending agency (service provider) or customer according to the regulations.
In one embodiment, the settlement data processing participant node may further include: a dispute platform node; the blockchain-based settlement data processing method may further include:
the client side node or the service provider node receives a dispute request initiated by a user on pre-payment data or settlement data, and sends the dispute request to a blockchain network;
The dispute platform node receives the dispute request sent through the blockchain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the blockchain network.
In the implementation, for the dispute of the account data problem which cannot be solved by an organization (service provider) and a client on a blockchain, an adjudication is generated on a dispute platform, and the safety of settlement data of both parties is further ensured.
In one embodiment, the above-mentioned blockchain-based settlement data processing method may further include:
the client node receives a refund request input by a user and sends the refund request to a blockchain 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 agreeing, the refund data corresponding to the refund request is credited into the supervision account from the service provider account or the refund data corresponding to the refund request is credited into the client account from the supervision account.
In specific implementation, the embodiment realizes the processing of refund requests for clients, and further ensures the security of client account data.
In summary, the technical scheme provided by the embodiment of the invention realizes that:
1. the technical characteristics of the blockchain are fully utilized to realize the requirements of customers on account data security, and the requirements of regulatory authorities on pre-payment data, settlement data, and regulations of service providers, credit of customers and the like.
2. The integration of cross-platform and cross-industry is realized to the maximum extent, and the service function of scene is realized.
3. The multi-party account data monitoring system is established through an industry block chain monitoring platform, so that the monitoring requirement of multi-party account data is 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 invention also provides a block chain-based settlement data processing method applied to the client node, as described in the following embodiment. Since the principle of solving the problem by the blockchain-based settlement data processing method applied to the client node is similar to that of the system, the implementation of the blockchain-based settlement data processing method applied to the client node can be referred to the implementation of the blockchain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 3 is a flow chart of a blockchain-based settlement data processing method applied to client nodes in an embodiment of the invention, the settlement data processing participant nodes constituting a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 3, the method comprises the steps of:
step 201: receiving a prepayment data transfer instruction input by a user;
step 202: sending the transfer instruction to a blockchain 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 blockchain network;
step 204: and sending the service confirmation information to a block chain network.
In one embodiment, the blockchain-based settlement data processing method applied to the client node may further include:
receiving a dispute request initiated by a user to pre-payment data or settlement data;
the dispute request is sent to a blockchain network.
In one embodiment, the blockchain-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 blockchain network.
Based on the same inventive concept, the embodiment of the invention also provides a block chain-based settlement data processing method applied to the service provider node, as described in the following embodiment. Since the principle of solving the problem by the blockchain-based settlement data processing method applied to the service provider node is similar to that of the system, implementation of the blockchain-based settlement data processing method applied to the service provider node can be referred to implementation of the blockchain-based settlement data processing method applied to the system, and repeated parts are omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 4 is a flow chart of a blockchain-based settlement data processing method applied to a server node in an embodiment of the invention, wherein the settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 4, the method comprises the steps of:
Step 301: generating a service confirmation request when each service is completed;
step 302: sending the service confirmation request to a blockchain network;
step 303: generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset pre-payment data processing mode;
step 304: the transfer request is sent to a blockchain network.
In one embodiment, the blockchain-based settlement data processing method applied to the server node may further include:
receiving a dispute request initiated by a user to pre-payment data or settlement data;
the dispute request is sent to a blockchain network.
In one embodiment, the blockchain-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 node through a blockchain network;
and sending the refund request processing result information to a blockchain network.
Based on the same inventive concept, the embodiment of the invention also provides a block chain-based settlement data processing method applied to the financial institution node, as described in the following embodiment. Since the principle of solving the problem by the blockchain-based settlement data processing method applied to the financial institution node is similar to that of the system, the implementation of the blockchain-based settlement data processing method applied to the financial institution node can be referred to the implementation of the blockchain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 5 is a flow chart of a blockchain-based settlement data processing method applied to financial institution nodes in an embodiment of the invention, the settlement data processing participant nodes constituting a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 5, the method comprises the steps of:
step 401: according to a transfer instruction sent by a client node through a blockchain network, drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by a service provider node in a financial institution from a client account;
step 402: and according to the transfer request sent by the service provider node through the blockchain network, drawing settlement data corresponding to the service into the service provider account from the supervision account.
In one embodiment, the above-mentioned blockchain-based settlement data processing method may further include:
receiving refund request processing result information sent by a service provider node through a blockchain network;
and when the processing result information is agreeing, the refund data corresponding to the refund request is credited into the supervision account from the service provider account, or the refund data corresponding to the refund request is credited into the client account from the supervision account.
In one embodiment, the above-mentioned blockchain-based settlement data processing method may further include: and sending settlement data processing result information to the blockchain network.
Based on the same inventive concept, the embodiment of the invention also provides a block chain-based settlement data processing system, as described in the following embodiment. Because the principle of the block-chain-based settlement data processing system for solving the problem is similar to that of the block-chain-based settlement data processing method applied to the system, the implementation of the block-chain-based settlement data processing system can be referred to the implementation of the block-chain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 6 is a schematic diagram of a block chain based settlement data processing system in which settlement data processing participant nodes form a block chain network in accordance with an embodiment of the present invention; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; wherein:
The client side node 01 is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to the blockchain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sending the service confirmation information to the blockchain network;
the financial institution node 02 is configured to, according to a transfer instruction sent by the client node through the blockchain network, draw pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node at the financial institution from the client account; according to a transfer request sent by a service provider node through a blockchain network, drawing settlement data corresponding to the service into a service provider account from the supervision account;
a service provider node 03 for generating a service confirmation request and transmitting the service confirmation request to a blockchain network when each service is completed; and generating a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sending the transfer request to a blockchain 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 organization node is used for generating supervision abnormal information and sending the supervision abnormal information to the credit investigation system when the credit problem of the client or the service provider is determined according to the settlement data processing result information sent by the financial organization node through the blockchain network.
In one embodiment, the client node or 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 blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
In one embodiment, the client node may be further configured to receive a refund request entered by a user, and send the refund request to a blockchain network;
the service provider node may be further configured to receive refund request processing result information input by a user according to a refund request sent by the client node through the blockchain network, and send 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 deposit refund data corresponding to the refund request into the supervising account from the service provider account or deposit refund data corresponding to the refund request into the client account from the supervising account when the processing result information is agreed.
Based on the same inventive concept, the embodiment of the invention also provides a block chain-based settlement data processing client node, as described in the following embodiment. Because the principle of solving the problem by the blockchain-based settlement data processing client node is similar to that of the blockchain-based settlement data processing method applied to the system, the implementation of the blockchain-based settlement data processing client node can be referred to the implementation of the blockchain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 7 is a schematic diagram of a block chain based settlement data processing client node in an embodiment of the invention, the settlement data processing participant nodes forming a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 7, the client node includes:
a first receiving unit 011 for receiving a prepaid data transfer instruction inputted 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 blockchain network;
a first transmitting unit 012 for transmitting 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 pre-payment data or 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, there is also provided in an embodiment of the present invention a blockchain-based settlement data processing financial institution node, as described in the following embodiment. Because the principle of solving the problem by the blockchain-based settlement data processing financial institution node is similar to that of the blockchain-based settlement data processing method applied to the system, the implementation of the blockchain-based settlement data processing financial institution node can be referred to the implementation of the blockchain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 8 is a schematic diagram of a block chain based settlement data processing financial institution node constituting a block chain network in accordance with an embodiment of the present invention; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 8, the financial institution node includes:
The first processing unit 021 is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node at a financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network;
the second processing unit 022 is configured to, according to a transfer request sent by the service provider node through the blockchain network, draw settlement data corresponding to the service into the service provider account from the supervision account.
In one embodiment, the settlement data processing financial institution node may further include:
the third receiving unit is used for receiving refund request processing result information sent by the service provider node through the blockchain network;
and the third processing unit is used for debiting refund data corresponding to the refund request from the service provider account into the supervision account or debiting refund data corresponding to the refund request from the supervision account into the client account when the processing result information is agreeing.
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 blockchain network.
Based on the same inventive concept, the embodiment of the present invention also provides a block chain-based settlement data processing service provider node, as described in the following embodiments. Because the principle of solving the problem by the blockchain-based settlement data processing service provider node is similar to that of the blockchain-based settlement data processing method applied to the system, the implementation of the blockchain-based settlement data processing service provider node can refer to the implementation of the blockchain-based settlement data processing method applied to the system, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 9 is a schematic diagram of a block chain based settlement data processing server node in an embodiment of the invention, the settlement data processing participant nodes forming a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; as shown in fig. 9, the service provider node includes:
A first generating unit 031 for generating a service confirmation request when each service is completed;
a second sending unit 032, configured to send the service confirmation request to a blockchain network; sending the transfer request to a blockchain 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 pre-payment 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 a user to the pre-payment data or the settlement data;
the second sending unit may also be 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 the user according to a refund request sent by the client node through the blockchain network;
the second sending unit may be further configured to send the refund request processing result information to a blockchain network.
In specific implementation, 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 stored on the memory and capable of running on the processor, wherein the processor realizes the block chain-based settlement data processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the block chain-based settlement data processing method.
The technical scheme provided by the embodiment of the invention has the beneficial technical effects that: the settlement data processing based on the blockchain is realized, the rationality of the settlement data processing is improved, the safety of the customer account data is ensured, and the customer satisfaction is further improved.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 of the preferred embodiments of the present invention and is not intended to limit the present invention, and various modifications and variations can be made to the embodiments of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (14)

1. A settlement data processing method based on a blockchain is characterized in that settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the block chain-based settlement data processing method comprises the following steps:
the client node receives a pre-payment data transfer instruction input by a user and sends the transfer instruction to a blockchain network;
the financial institution node writes pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client 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 client node receives service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sends the service confirmation information to the blockchain network;
the service provider node generates a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sends the transfer request to a blockchain network;
The financial institution node credits settlement data corresponding to the service into a service provider account from the supervision account according to a transfer request sent by the service provider node through a blockchain network;
the settlement data processing participant node further comprises: a supervisory agency node; the block chain-based settlement data processing method further comprises the following steps: the financial institution node sends settlement data processing result information to the blockchain network; the method comprises the steps that when a supervision organization node determines that a credit problem exists in a client or a service provider according to settlement data processing result information sent by a financial organization node through a blockchain network, supervision abnormal information is generated, and the supervision abnormal information is sent to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the block chain-based settlement data processing method further comprises the following steps: the client side node or the service provider node receives a dispute request initiated by a user on pre-payment data or settlement data, and sends the dispute request to a blockchain network; the dispute platform node receives the dispute request sent through the blockchain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the blockchain network.
2. The blockchain-based settlement data processing method of claim 1, further comprising:
the client node receives a refund request input by a user and sends the refund request to a blockchain 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 agreeing, the refund data corresponding to the refund request is credited into the supervision account from the service provider account or the refund data corresponding to the refund request is credited into the client account from the supervision account.
3. The block chain-based settlement data processing method is applied to client nodes and is characterized in that the settlement data processing participant nodes form a block chain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the block chain-based settlement data processing method comprises the following steps:
Receiving a prepayment data transfer instruction input by a user;
sending the transfer instruction to a blockchain network; the financial institution node is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network; the service provider node is used for generating a service confirmation request and sending the service confirmation request to the blockchain network when each service is completed;
receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network;
transmitting the service confirmation information to a blockchain network; the service provider node is further configured to generate a transfer request according to the service confirmation information and a preset pre-payment data processing manner, and send the transfer request to a blockchain network; the financial institution node is further used for drawing settlement data corresponding to the service into a service provider account from the supervision account according to a transfer request sent by the service provider node through a blockchain network;
The settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node is used for receiving the dispute request sent through the blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
4. A settlement data processing method based on a blockchain is applied to a service provider node, and is characterized in that the settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to a blockchain network; the financial institution node is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network; the block chain-based settlement data processing method comprises the following steps:
Generating a service confirmation request when each service is completed;
sending the service confirmation request to a blockchain network; the client node is further configured to receive service confirmation information input by a user according to a service confirmation request sent by the service provider node through the blockchain network, and send the service confirmation information to the blockchain network;
generating a transfer request according to service confirmation information fed back by the service confirmation request and a preset pre-payment data processing mode;
sending the transfer request to a blockchain network; the financial institution node is further used for drawing settlement data corresponding to the service into a service provider account from the supervision account according to a transfer request sent by the service provider node through a blockchain network;
the settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
The settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node receives the dispute request sent through the blockchain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the blockchain network.
5. A settlement data processing method based on a blockchain is applied to financial institution nodes and is characterized in that settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the block chain-based settlement data processing method comprises the following steps:
according to a transfer instruction sent by a client node through a blockchain network, drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by a service provider node in a financial institution from a client account; the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to a blockchain network; the service provider node is used for generating a service confirmation request and sending the service confirmation request to the block chain network when each service is completed; generating a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sending the transfer request to a blockchain network; the client side node is used for receiving service confirmation information input by a user according to a service confirmation request sent by the service provider side node through the blockchain network, and sending the service confirmation information to the blockchain network;
According to a transfer request sent by a service provider node through a blockchain network, drawing settlement data corresponding to the service into a service provider account from the supervision account;
the settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node is used for receiving the dispute request sent through the blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
6. The blockchain-based settlement data processing method of claim 5, further comprising:
Receiving refund request processing result information sent by a service provider node through a blockchain network;
and when the processing result information is agreeing, the refund data corresponding to the refund request is credited into the supervision account from the service provider account, or the refund data corresponding to the refund request is credited into the client account from the supervision account.
7. A blockchain-based settlement data processing system, wherein settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; wherein:
the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to the blockchain network; receiving service confirmation information input by a user according to a service confirmation request sent by a service provider node through a blockchain network, and sending the service confirmation information to the blockchain network;
the financial institution node is used for drawing the pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from the client account 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 blockchain network, drawing settlement data corresponding to the service into a service provider account from the supervision account;
A service provider node for generating a service confirmation request and transmitting the service confirmation request to a block chain network when each service is completed; generating a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sending the transfer request to a blockchain network;
the settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node is used for receiving the dispute request sent through the blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
8. The blockchain-based settlement data processing system of claim 7, wherein:
the client node is further configured to receive a refund request input by a user, and send the refund request to a blockchain network;
the service provider node is further used for receiving refund request processing result information input by a user according to a refund request sent by the client node through the blockchain network, and sending the refund request processing result information to the blockchain network;
the financial institution node is further configured to receive refund request processing result information sent by the service provider node through the blockchain network, and if the processing result information is agreed, deposit refund data corresponding to the refund request into the supervising account from the service provider account, or deposit refund data corresponding to the refund request into the client account from the supervising account.
9. A blockchain-based settlement data processing client node, wherein the settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the client node comprises:
A first receiving unit for receiving a prepaid 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 blockchain network;
the first sending unit is used for sending the transfer instruction to a blockchain network; transmitting the service confirmation information to a blockchain network; the financial institution node is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network; the service provider node is used for generating a service confirmation request and sending the service confirmation request to the blockchain network when each service is completed; the service provider node is further configured to generate a transfer request according to the service confirmation information and a preset pre-payment data processing manner, and send the transfer request to a blockchain network; the financial institution node is further used for drawing settlement data corresponding to the service into a service provider account from the supervision account according to a transfer request sent by the service provider node through a blockchain network;
The settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node is used for receiving the dispute request sent through the blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
10. A blockchain-based settlement data processing service provider node, wherein settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to a blockchain network; the financial institution node is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in the financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network; the service provider node comprises:
A first generation unit configured to generate a service confirmation request when each service is completed;
a second sending unit, configured to send the service confirmation request to a blockchain network; sending the transfer request to a blockchain network; the client node is further configured to receive service confirmation information input by a user according to a service confirmation request sent by the service provider node through the blockchain network, and send the service confirmation information to the blockchain network; the financial institution node is further used for drawing settlement data corresponding to the service into a service provider account from the supervision account according to a transfer request sent by the service provider node through a blockchain network;
the second generating unit is used for generating a transfer request according to the service confirmation information fed back by the service confirmation request and a preset pre-payment data processing mode;
the settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
The settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node receives the dispute request sent through the blockchain network, processes the dispute request to obtain a dispute processing result, and sends the dispute processing result to the blockchain network.
11. A blockchain-based settlement data processing financial institution node, wherein the settlement data processing participant nodes form a blockchain network; the settlement data processing participant node includes: client nodes, financial institution nodes and service provider nodes; the financial institution node includes:
the first processing unit is used for drawing pre-payment data corresponding to the transfer instruction into a supervision account pre-established by the service provider node in a financial institution from a client account according to the transfer instruction sent by the client node through the blockchain network; the client node is used for receiving a pre-payment data transfer instruction input by a user and sending the transfer instruction to a blockchain network; the service provider node is used for generating a service confirmation request and sending the service confirmation request to the block chain network when each service is completed; generating a transfer request according to the service confirmation information and a preset pre-payment data processing mode, and sending the transfer request to a blockchain network; the client side node is used for receiving service confirmation information input by a user according to a service confirmation request sent by the service provider side node through the blockchain network, and sending the service confirmation information to the blockchain network;
The second processing unit is used for drawing 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 settlement data processing participant node further comprises: a supervisory agency node; the financial institution node is also used for sending settlement data processing result information to the blockchain network; the supervision organization node is used for generating supervision abnormal information when the credit problem of a client or a service provider is determined according to settlement data processing result information sent by the financial organization node through a blockchain network, and sending the supervision abnormal information to a credit investigation system;
the settlement data processing participant node further comprises: a dispute platform node; the client side node or the service provider node is further used for receiving a dispute request initiated by a user on pre-payment data or settlement data and sending the dispute request to a blockchain network; the dispute platform node is used for receiving the dispute request sent through the blockchain network, processing the dispute request to obtain a dispute processing result, and sending the dispute processing result to the blockchain network.
12. The blockchain-based settlement data processing financial institution node of claim 11, further comprising:
the third receiving unit is used for receiving refund request processing result information sent by the service provider node through the blockchain network;
and the third processing unit is used for debiting refund data corresponding to the refund request from the service provider account into the supervision account or debiting refund data corresponding to the refund request from the supervision account into the client account when the processing result information is agreeing.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
14. 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 6.
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