CN111798230A - Blockchain-based installment payment method, device and device - Google Patents

Abstract

The invention relates to a block chain-based installment payment method and device, which are applied to a block chain network and used for acquiring a transaction contract uploaded by a payer or a payee; acquiring a payment amount transferred by a payer according to a transaction contract; supervising whether the payer and the payee violate a transaction contract in the transaction process; and if the payer and the withdrawal party do not default and the transaction height reaches the preset height, transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party. According to the technical scheme, a decentralized payment platform is established based on the blockchain network, periodic payment can be conducted, data safety is guaranteed, the blockchain network is subjected to whole-network supervision, the public and transparent property is achieved, the repudiation cannot be achieved, the falsification cannot be achieved, a credit system is provided, and the data on the chain can provide credit evidence for data accuracy, so that the credit system does not need to be built and maintained with a large amount of time and energy.

Description

Blockchain-based installment payment method, device and device

technical field

The present invention relates to the technical field of blockchain, in particular to a method, device and equipment for installment payment based on blockchain.

Background technique

With the gradual improvement of the credit reporting system, installment payment has become an increasingly popular payment method, including installment withdrawal and installment payment.

In the existing technology, the implementation of installment payment is based on a powerful centralized organization. Centralized institutions need to provide users with installment payment services based on the user's credit status, and then need to build a huge credit system, so that centralized institutions need to spend a lot of time and energy to build a credit system, and the centralized institutions need to have sufficient financial resources, Material and manpower to ensure that the installment payment service can be carried out normally and continuously. Moreover, the current centralized institutions cannot guarantee the security of users' data.

Therefore, how to provide a decentralized instalment payment method is one of the technical problems to be solved urgently by those skilled in the art.

SUMMARY OF THE INVENTION

In view of this, the purpose of the present invention is to provide a block chain-based installment payment method, device and device to overcome the above-mentioned technical problems.

To achieve the above purpose, the present invention adopts the following technical solutions:

A blockchain-based installment payment method applied to a blockchain network, the method comprising:

Get the transaction contract uploaded by the payer or the payer;

According to the transaction contract, obtain the payment transferred by the payer;

Supervise whether the paying party and the withdrawing party violate the transaction contract during the transaction;

If neither the payer nor the drawer has breached the contract, and the height of the transaction reaches a preset height, the part specified in the transaction contract in the payment is transferred to the account corresponding to the drawer.

Further, in the above blockchain-based installment payment method, the transaction contract includes: an installment payment transaction contract;

Correspondingly, the method further includes:

If the payer defaults, determine whether the default status of the payer has reached a preset default height;

If not, determine the liquidated damages to be paid by the payer according to the transaction contract, and, if the liquidated damages are obtained within a preset default height, record the payer's liquidated damages in the blockchain network Delayed Default Information.

Further, in the above-mentioned blockchain-based installment payment method, the method further includes:

If the default state of the payer reaches the default height, the transaction contract is marked as transaction failure, and the untrustworthy default information of the payer is recorded in the blockchain network.

Further, in the above-mentioned blockchain-based installment payment method, the method includes:

If the withdrawal party defaults, the transaction contract is cancelled, and the default information of the withdrawal party is recorded in the blockchain network.

Further, in the above blockchain-based installment payment method, the transaction contract includes: an installment withdrawal transaction contract;

Correspondingly, the obtaining the payment money transferred by the payer includes: obtaining the payment money in all contract stages transferred by the payer;

Correspondingly, the part specified in the transaction contract in the payment to the account corresponding to the withdrawal party includes:

Determining the first contract stage that the withdrawing party is currently in, and determining the withdrawal amount specified in the first contract stage according to the transaction contract;

Transfer the withdrawn amount to the withdrawer account.

Further, in the above blockchain-based installment payment method, the method further includes, if the payer or the payer defaults, determining the second contract where the payer or the payee is in default. stage;

Transfer the unpaid part of the payment in the second default stage to the preset bonus pool, transfer the payment corresponding to the unpaid stage back to the account corresponding to the payer, and The default information of both parties is recorded in the blockchain network.

The present invention also provides a block chain-based installment payment device, which is applied in a block chain network, and the device includes:

The acquisition module is used to acquire the transaction contract uploaded by the payer or the payer;

The obtaining module is further configured to obtain the payment transferred from the payer according to the transaction contract;

A supervision module, used to supervise whether the payer and the withdrawer violate the transaction contract during the transaction process;

The transfer module is used to transfer the payment to the account corresponding to the payer if neither the payer nor the payer has defaulted, and the height of the transaction reaches a preset height, as stipulated in the transaction contract. part.

Further, in the above-mentioned block chain-based installment payment device, the transaction contract includes: an installment payment transaction contract;

Correspondingly, the device further includes:

a judgment module, used for judging whether the default state of the payer reaches a preset default height if the payer defaults;

The recording module is used to determine the liquidated damages that the payer should pay according to the transaction contract if not, and, if the liquidated damages are obtained within a preset default height, record the liquidated damages in the blockchain network Deferred default information for said payer.

Further, in the above-mentioned block chain-based installment payment device, the recording module is further configured to mark the transaction contract as a transaction failure if the default state of the payer reaches the default height, and, in the The untrustworthy breach of contract information of the payer is recorded in the blockchain network.

The present invention also provides a block chain-based installment payment device, comprising a processor and a memory, and the processor is connected to the memory:

Wherein, the processor is used to call and execute the program stored in the memory;

The memory is used for storing the program, and the program is at least used for executing the blockchain-based installment payment method described in any one of the above.

The block chain-based installment payment method, device and equipment of the present invention are applied in the block chain network to obtain the transaction contract uploaded by the payer or the payer; according to the transaction contract, obtain the payment transferred by the payer; supervise the payer Whether the payer and the payer violated the transaction contract during the transaction process; if neither the payer nor the payer has breached the contract, and the transaction height reaches the preset height, the payment will be transferred to the account corresponding to the payer as specified in the transaction contract. This technical solution establishes a decentralized payment platform based on the blockchain network, which can pay in installments. Not only is the data security guaranteed, but the blockchain network is subject to the supervision of the entire network, which is open and transparent, non-repudiation, non-tampering, and comes with its own Credit system, the data on the chain can provide credit proof for the accuracy of the data, so there is no need to spend a lot of time and energy to build and maintain the credit system.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts.

1 is a flowchart provided by an embodiment of the block chain-based installment payment method of the present invention;

2 is a schematic structural diagram provided by an embodiment of a block chain-based installment payment device of the present invention;

FIG. 3 is a schematic structural diagram provided by an embodiment of a block chain-based installment payment device of the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the technical solutions of the present invention will be described in detail below. Obviously, the described embodiments are only some, but not all, embodiments of the present invention. Based on the embodiments of the present invention, all other implementations obtained by those of ordinary skill in the art without creative work fall within the protection scope of the present invention.

The installment payment method in this embodiment is mainly applied to the blockchain network. Among them, blockchain is a new application mode of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc. It has the characteristics of decentralization, openness, transparency, openness, anonymity, traceability, tamper-proof, and unforgeability. . The transaction information based on the UTXO or ACCOUNT model is packaged into blocks one by one, and these blocks are related to each other through the hash in the block header according to the order of height to form a chain, which is the blockchain. All operations on the blockchain are recorded on the chain, which is different from the centralized structure. It is almost impossible for individuals or a few groups or organizations to modify the data on this chain.

FIG. 1 is a flow chart provided by an embodiment of the block chain-based installment payment method of the present invention. Referring to FIG. 1, this embodiment may include the following steps:

S101. Obtain the transaction contract uploaded by the payer or the payer.

In this embodiment, the transaction contract uploaded by the payer or the payee can be obtained. Transaction contracts generally include installment payment transaction contracts and installment withdrawal transaction contracts.

The installment payment transaction contract needs to specify the payment cycle, contract validity period, payment for each installment, payment object address, handling fee, contract content, overdue high interest percentage per 100 blocks and other parameters; the installment withdrawal transaction contract needs to specify the withdrawal cycle, contract Parameters such as validity period, contract stage, withdrawal payment in each contract stage (there can be dynamic floating), payment object address, handling fee, contract content, and designated bonus pool address.

The transaction contract is constructed by the corresponding parameters after the two parties have negotiated and confirmed offline in advance, and can be added by any one of them.

S102, according to the transaction contract, obtain the payment fee paid by the payer.

Obtain the payment paid by the payer according to the content specified in the transaction contract. If the transaction contract is an installment payment transaction contract, the payer only needs to pay the payment that needs to be transferred in the current period according to the parameters such as "payment fee per installment" and "handling fee" in the installment payment transaction contract. If the transaction contract is an instalment withdrawal transaction contract, the payer needs to transfer the payment in all contract stages according to the parameters of "contract stage", "payment for each contract stage per instalment" and "handling fee" in the instalment withdrawal transaction contract. gold. The blockchain network in this embodiment can obtain the payment transferred by the above-mentioned payer.

In this example, the company pays wages to employees as an example to illustrate the installment withdrawal transaction contract:

Specifically, a company X signs a labor contract with employee A, m is the probationary period, A is the withdrawal amount in each period of the trial period, n is the complete contract period (including the trial period), B is the withdrawal amount in each period of the formal contract period, and St is The total amount to be transferred is as follows:

In a specific implementation, the formal contract period is three years, the probationary period is three months, the full contract period is three years and three months, the probationary period salary is 3,000 yuan, and the salary after regularization is 5,000 yuan. Then the company needs to transfer all the contract funds at one time. If the transaction fee is not considered, that is, it needs to transfer 3000×3+5000×12×3=189000 yuan. If the transaction fee needs to be paid, it needs to be paid according to the transaction. It is stipulated in the contract that the payer or the drawer will also transfer the handling fee.

The embodiment takes the purchase of a car by installments as an example to describe the installment payment transaction contract:

Specifically, a person buys a car from a car supplier in the form of installment payment. After calculation, the monthly payment of principal and interest is 4,000 yuan. If the handling fee is not considered, he will transfer it every month. If you need to pay the handling fee, the payer or the withdrawing party will also transfer the handling fee according to the provisions in the transaction contract.

S103. Supervise whether the payer and the payer violate the transaction contract during the transaction.

During the entire transaction process, the payer and the drawer are supervised to determine whether the two parties violate the transaction contract.

S104. If neither the payer nor the payer has breached the contract, and the transaction height reaches the preset height, transfer the part of the payment specified in the transaction contract to the account corresponding to the payer.

If neither the payer nor the payer has breached the contract, and the height of the transaction reaches the preset height, then the payer can take away the part specified in the transaction contract in the payment.

Specifically, if the transaction contract is an installment payment transaction contract, neither the payer nor the drawer has breached the contract, and the transaction height reaches the preset height, the drawer will pay the part of the payment stipulated in the transaction contract, that is, the payment will be made. The part of the payment excluding the handling fee paid by the party can be transferred to the account of the withdrawing party. That is, neither the car buyer nor the car supplier has breached the contract, and the payment transaction time has reached the preset completion time, that is, the car supplier can take all 4,000 yuan.

If the transaction contract is an installment withdrawal contract, neither the payer nor the withdrawer has breached the contract, and the transaction height reaches the preset height, it is necessary to determine the first contract stage where the withdrawer is located, and determine the first contract stage according to the transaction contract. The withdrawal amount will be transferred to the account of the withdrawing party. It should be noted that under the installment withdrawal contract, each time a block is added, the installment withdrawal contract will be called once to determine whether the unlocking height of the payment amount agreed in the contract is met. If it is satisfied, it will be unlocked, that is, when the preset height is reached, the withdrawing party can take the payment, and if it is not satisfied, it will continue to be locked. And only the withdrawing party in the contract has the right to transfer the unlocked payment. Wherein, the above-mentioned preset height may be a preset time period.

That is, if employee A is in the probationary period, neither employee A nor company X has breached the contract, and the withdrawal transaction has reached the preset withdrawal time, employee A can withdraw 3,000 yuan of the current month. You can take out 5,000 yuan for the month.

The blockchain-based installment payment method in this embodiment is applied in the blockchain network to obtain the transaction contract uploaded by the payer and/or the payer, obtain the payment paid by the payer according to the transaction contract, and supervise the payer and/or the payer. Whether the payer violates the transaction contract during the transaction process, if neither the payer nor the payer violates the contract, and the transaction height reaches the preset height, the payment will be transferred to the account corresponding to the payer. The part stipulated in the transaction contract. This technical solution establishes a decentralized payment platform based on the blockchain network, which can pay in installments. Not only is the data security guaranteed, but the blockchain network is subject to the supervision of the entire network, which is open and transparent, non-repudiation, non-tampering, and comes with its own Credit system, the data on the chain can provide credit proof for the accuracy of the data, so there is no need to spend a lot of time and energy to build and maintain the credit system.

Further, this embodiment may further include the following steps on the basis of the above embodiments: if the transaction contract is an installment withdrawal transaction contract, and if the payer or the payer defaults, determine the second contract stage at which the payer or the payer defaults. ; Transfer the unpaid part of the payment in the second default stage to the preset bonus pool, and transfer the unpaid part of the payment back to the account corresponding to the payer.

Specifically, if it is an installment withdrawal transaction contract, if the payer or the payer defaults, the second contract period in which the payer is located can be determined. Transfer the unpaid payment in the second contract period into the preset bonus pool according to the "bonus pool address" parameter in the transaction contract, and transfer the payment in the unpaid period back to the payer's account, and in the blockchain The breach of contract by both parties is recorded in the network.

For example, if employee A or company X defaults in the second month of the probationary period, the salary of the third month of the probationary period can be transferred to the corresponding bonus pool, and the salary after the regularization can be transferred back to the account of company X. If there is a default after the regularization period, the remaining unpaid wages during the regularization period can be transferred to the bonus pool.

Further, this embodiment may further include the following steps on the basis of the above embodiments: the transaction contract is an installment payment transaction contract, and if the payer defaults, it is determined whether the default state of the payer has reached a preset default height; The transaction contract determines the liquidated damages that the payer should pay, and, if the liquidated damages are obtained within the preset default height, the payer's delayed default information is recorded in the blockchain network; if so, the transaction contract is marked as transaction failure, In addition, the untrustworthy default information of the payer is recorded in the blockchain network.

Specifically, if the payer defaults, it can be determined whether the default state of the payer reaches a preset default height, for example, the default height is within one week after the payment deadline. If the preset default height is not reached, the liquidated damages payable by the payer can be calculated. If the payment and liquidated damages transferred by the payer can be received within the default height, it means that the payer is only delaying the default at this time. The transaction contract can continue to be fulfilled and the delay default information is recorded in the blockchain network. If after reaching the default height, the liquidated damages and payment fees paid by the payer are still not obtained, that is to say, the default status of the payer reaches the default height, which means that the transaction fails, and the untrustworthy default information of the payer is recorded in the blockchain. Further, if the payer is in breach of contract, the contract can be cancelled directly, and the payer does not need to transfer the payment.

The decentralized nature of blockchain technology provides more room for imagination to optimize our social life. In particular, it will play an increasingly important role in building a social credit system and maximizing social fairness and justice. In the blockchain network of this embodiment, the transaction data is packaged and put on the chain, which can receive the supervision of the entire network, is open and transparent, non-repudiation, and non-tampering, forming a decentralized credit system, forming on-chain self-control, This enables both the payer and the drawer to perform the transaction contract in good faith.

The present invention also provides a block chain-based installment payment device for implementing the above method embodiments. FIG. 2 is a schematic structural diagram provided by an embodiment of a block chain-based installment payment device of the present invention. Referring to Figure 2, the block chain-based installment payment device of this embodiment includes:

The acquiring module 11 is used to acquire the transaction contract uploaded by the payer or the payer;

The obtaining module 11 is further used to obtain the payment transferred from the payer according to the transaction contract;

The supervision module 12 is used to supervise whether the payer and the payer violate the transaction contract during the transaction process;

The transfer module 13 is used to transfer the part of the payment stipulated in the transaction contract to the account corresponding to the payer if neither the payer nor the payer has breached the contract and the transaction height reaches the preset height.

The block chain-based installment payment device of this embodiment is applied to the block chain network, and the acquisition module 11 acquires the transaction contract uploaded by the payer or the payer; according to the transaction contract, acquires the payment transferred by the payer; the supervision module 12. Supervise whether the payer and the payer violate the transaction contract during the transaction process. If neither the payer nor the payer violates the contract, and the transaction height reaches the preset height, the transfer module 13 transfers the payment to the account corresponding to the payer. part of the contract. This technical solution establishes a decentralized payment platform based on the blockchain network, which can pay in installments. Not only is the data security guaranteed, but the blockchain network is subject to the supervision of the entire network, which is open and transparent, non-repudiation, non-tampering, and comes with its own Credit system, the data on the chain can provide credit proof for the accuracy of the data, so there is no need to spend a lot of time and energy to build and maintain the credit system.

Further, the transaction contract includes: installment payment transaction contract;

Correspondingly, the block chain-based installment payment device in this embodiment further includes:

The judgment module is used to judge whether the default status of the payer has reached the preset default height if the payer defaults;

The recording module is used to determine the liquidated damages to be paid by the payer according to the transaction contract if not, and, if the liquidated damages are obtained within the preset default height, record the delayed default information of the payer in the blockchain network.

Further, the recording module is also used to mark the transaction contract as a transaction failure if the default state of the payer reaches the default height, and record the untrustworthy default information of the payer in the blockchain network.

Further, the recording module is also used to cancel the transaction contract if the withdrawing party defaults, and record the defaulting information of the withdrawing party in the blockchain network.

Further, the transaction contract includes an installment withdrawal transaction contract;

Correspondingly, the acquisition module is specifically used to acquire the payment of all contract stages transferred by the payer;

Correspondingly, the transfer module is specifically used to determine the current first contract stage of the drawee, and to determine the withdrawal amount specified in the first contract stage according to the transaction contract;

Transfer the withdrawn amount to the withdrawer's account.

Correspondingly, it also includes a determining module;

The determination module is used to determine the second contract stage when the payer or the payer defaults if the payer or the payer defaults;

The recording module is also used to transfer the unpaid part of the payment in the second default stage to the preset bonus pool, and transfer the part of the payment corresponding to the unpaid stage back to the account corresponding to the payer, and in the district The default information of both parties is recorded in the blockchain network.

Regarding the apparatus in the above-mentioned embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be described in detail here.

The present invention also provides a set of block chain-based installment payment devices for implementing the above method embodiments. Fig. 3 is a schematic structural diagram provided by an embodiment of a blockchain-based installment payment device of the present invention. Please refer to Fig. 3. The blockchain-based installment payment device in this embodiment includes a processor 21 and a memory 22. The device 21 is connected to the memory 22:

Wherein, the processor 21 is used to call and execute the program stored in the memory 22;

The memory 22 is used to store the program, and the program is at least used to execute the blockchain-based installment payment method described in the above embodiments.

It can be understood that, the same or similar parts in the above embodiments may refer to each other, and the content not described in detail in some embodiments may refer to the same or similar content in other embodiments.

It should be noted that, in the description of the present invention, the terms "first", "second", etc. are only used for the purpose of description, and should not be construed as indicating or implying relative importance. Furthermore, in the description of the present invention, unless otherwise specified, the meaning of "plurality" means at least two.

Any description of a process or method in the flowcharts or otherwise described herein may be understood to represent a module, segment or portion of code comprising one or more executable instructions for implementing a specified logical function or step of the process , and the scope of the preferred embodiments of the invention includes alternative implementations in which the functions may be performed out of the order shown or discussed, including performing the functions substantially concurrently or in the reverse order depending upon the functions involved, which should It is understood by those skilled in the art to which the embodiments of the present invention belong.

It should be understood that various parts of the present invention may be implemented in hardware, software, firmware or a combination thereof. In the above-described embodiments, various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented by any one or a combination of the following techniques known in the art: Discrete logic circuits, application specific integrated circuits with suitable combinational logic gates, Programmable Gate Arrays (PGA), Field Programmable Gate Arrays (FPGA), etc.

Those skilled in the art can understand that all or part of the steps carried by the methods of the above embodiments can be completed by instructing the relevant hardware through a program, and the program can be stored in a computer-readable storage medium, and the program can be stored in a computer-readable storage medium. When executed, one or a combination of the steps of the method embodiment is included.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing module, or each unit may exist physically alone, or two or more units may be integrated into one module. The above-mentioned integrated modules can be implemented in the form of hardware, and can also be implemented in the form of software function modules. If the integrated modules are implemented in the form of software functional modules and sold or used as independent products, they may also be stored in a computer-readable storage medium.

The above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, and the like.

In the description of this specification, description with reference to the terms "one embodiment," "some embodiments," "example," "specific example," or "some examples", etc., mean specific features described in connection with the embodiment or example , structure, material or feature is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

Although the embodiments of the present invention have been shown and described above, it should be understood that the above embodiments are exemplary and should not be construed as limiting the present invention. Embodiments are subject to variations, modifications, substitutions and variations.

Claims (10)

1. An installment payment method based on a block chain is applied to a block chain network, and the method comprises the following steps:

acquiring a transaction contract uploaded by a payer or a withdrawal party;

acquiring payment transferred by the payer according to the transaction contract;

supervising the payer and the payee in violation of the transaction contract during the transaction;

and if the payer and the withdrawal party do not default and the transaction height reaches a preset height, transferring the part specified by the transaction contract in the payment sum to an account corresponding to the withdrawal party.

2. The blockchain-based installment payment method according to claim 1, wherein the transaction contract includes: an installment transaction contract;

correspondingly, the method further comprises:

if the payer defaults, judging whether the default state of the payer reaches a preset default height;

if not, determining the default money to be paid by the payer according to the transaction contract, and if the default money is acquired within a preset default height, recording the delay default information of the payer in the block chain network.

3. The block chain based installment payment method according to claim 2, wherein the method further comprises:

and if the default state of the payer reaches the default height, marking the transaction contract as transaction failure, and recording the information of the loss of credit default of the payer in the blockchain network.

4. The block chain based installment payment method according to claim 3, wherein the method comprises:

and if the withdrawing party defaults, canceling the transaction contract, and recording default information of the withdrawing party in the block chain network.

5. The blockchain-based installment payment method according to claim 1, wherein the transaction contract includes: an installment withdrawal transaction contract;

correspondingly, the acquiring the payment amount transferred by the payer comprises the following steps: acquiring the payment money of all contract stages transferred by the payer;

correspondingly, the transferring of the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party comprises:

determining a first contract stage in which the payee is currently located, and determining a payout amount specified in the first contract stage according to the transaction contract;

and transferring the payment amount to the account of the withdrawal party.

6. The blockchain-based installment payment method as recited in claim 5, further comprising, if the payer or the payee violates, determining a second contract phase at which the payer or the payee violates;

transferring the unpaid part in the second default stage in the payment fund into a preset bonus pool, transferring the part corresponding to the unpaid stage in the payment fund back to the account corresponding to the payer, and recording default information of the two parties in the block chain network.

7. An installment based on block chain, which is applied in block chain network, the installment includes:

the acquisition module is used for acquiring a transaction contract uploaded by a payer or a withdrawal party;

the acquisition module is also used for acquiring the payment amount transferred by the payer according to the transaction contract;

a supervision module for supervising whether the payer and the payee violate the transaction contract during the transaction;

and the transfer module is used for transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party if the payment party and the withdrawal party do not have default and the transaction height reaches a preset height.

8. The blockchain-based installment payment device of claim 1 wherein the transaction contract comprises: an installment transaction contract;

correspondingly, the device further comprises:

the judging module is used for judging whether the default state of the payer reaches a preset default height or not if the payer defaults;

and the recording module is used for determining default money to be paid by the payer according to the transaction contract if the transaction contract is not confirmed, and recording delay default information of the payer in the block chain network if the default money is acquired within a preset default height.

9. The blockchain-based installment apparatus according to claim 8, wherein the recording module is further configured to mark the transaction contract as a transaction failure if the default status of the payer reaches the default height, and record the information of the loss of credit default of the payer in the blockchain network.

10. An installment payment device based on a block chain, comprising a processor and a memory, wherein the processor is connected with the memory:

the processor is used for calling and executing the program stored in the memory;

the memory for storing the program for performing at least the block chain based installment method of any one of claims 1 to 6.

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