CN112651735A - Payment channel selection method and device, computer equipment and storage medium - Google Patents
Payment channel selection method and device, computer equipment and storage medium Download PDFInfo
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- CN112651735A CN112651735A CN202011440942.3A CN202011440942A CN112651735A CN 112651735 A CN112651735 A CN 112651735A CN 202011440942 A CN202011440942 A CN 202011440942A CN 112651735 A CN112651735 A CN 112651735A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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Abstract
The embodiment of the application belongs to the field of computers, and relates to a method for selecting a payment channel, which comprises the steps of automatically completing credit evaluation on a borrower user by using a first intelligent contract, sending the credit evaluation to a related payment channel user, automatically completing evaluation on the payment channel user by using a second intelligent contract according to payment condition information fed back by a payment channel, and completing payment transaction between a target payment channel and the borrower user by using a third intelligent contract; the application also provides a device for selecting the payment channel, computer equipment and a storage medium; the method and the device have the advantages that the intelligent payment channel routing is realized, the payment efficiency is improved, and the transaction management cost is reduced.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for selecting a payment channel, a computer device, and a storage medium.
Background
In a payment scenario, there are typically different payment channels. When a user makes a payment, a payment channel needs to be selected for the current payment among several payment channels in order to improve the payment efficiency.
The blockchain (blockchain) is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different nodes in the blockchain system. The blockchain is also a bottom-up innovation technology, is not directed at the reformation and the upgrade of a certain kind of application, but can generate subversive changes on all scenes related to data storage and information exchange processes, and the application prospect of the blockchain is expected by people.
The concept of smart contracts, proposed by nissabo in 1994, refers to contracts in which the terms are recorded in computer language instead of legal language, which defines in mathematical and programmed form a series of contracts' rights and obligations, which, once triggered by a particular transaction, can be automatically executed. Due to the lack of system and technical support at that time, the concept of intelligent contracts is not realized until the appearance of Etherns in 2013, so that the intelligent contracts can be executed in a trusted decentralized blockchain environment. The intelligent contract based on the block chain system not only has the advantages of cost efficiency and the like, but also can avoid the interference of malicious behaviors on the normal execution of the intelligent contract, has the characteristics of automation, decentralization and result determination, and cannot be stopped once being deployed on the block chain, so that the intelligent contract ensures that the processes of storage, reading, execution and the like are transparent, the record can be tracked and cannot be tampered.
Disclosure of Invention
The invention aims to overcome the problems in the prior art, and provides a method for selecting a payment channel, which realizes intelligent payment channel routing and improves the payment efficiency in the loan transaction process.
In order to achieve the purpose, the invention adopts the following technical scheme: a method for selecting a payment channel is applied to a blockchain system, the blockchain system comprises a plurality of debit users and payment channel users, and the method for selecting the payment channel comprises the following steps:
the block chain system receives loan request information sent by a borrower user, wherein the loan request information comprises borrower user information, loan amount, loan deadline constraint conditions, repayment amount or loan interest constraint conditions;
the block chain system triggers and runs first intelligent contracts signed by the borrower user and the plurality of payment channel users according to the loan request information, wherein the first intelligent contracts are used for acquiring credit investigation information of the borrower user according to the borrower user information and sending the credit investigation information of the borrower user and the loan request information to the payment channel users participating in signing the first intelligent contracts;
the block chain system receives loan condition information sent by a payment channel user, wherein the loan condition information comprises payment success rate information, response speed information, surplus amount information and flow information of the current payment channel user;
the block chain system triggers and runs second intelligent contracts signed by the payment channel users and a plurality of third parties according to the loan condition information, and the second intelligent contracts select one of the payment channel users as a target payment channel user according to the loan condition information;
and matching the target payment channel user and the debit user to sign a third intelligent contract to complete the payment transaction.
In some embodiments, the first intelligent contract is signed based on real-name authentication information at the time of registration of the borrower user.
In some embodiments, the first smart contract comprises an authorization issued by the borrower user to the payment channel user to obtain credit investigation information of the borrower user.
In some embodiments, the third party participating in the second intelligent contract is selected among the users of the blockchain system according to a preset algorithm.
In some embodiments, the selecting of one of the plurality of payment channel users as the target payment channel user according to the loan condition information by the second intelligent contract comprises: inputting the loan condition information into a pre-training machine learning model corresponding to the payment channel user to evaluate the payment success rate; obtaining evaluation data of a debit user to a payment channel user in a block chain system; calculating scoring data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user; the third party performs consensus according to the grading data of the payment channel users; and taking the payment channel users generated by the consensus as target payment channel users.
In order to achieve the purpose, the invention adopts another technical scheme that: a payment channel selection apparatus operating in a blockchain system including a plurality of debit users and payment channel users, comprising:
the system comprises a loan request receiving module, a loan processing module and a loan processing module, wherein the loan request receiving module is used for receiving loan request information sent by a borrower user, and the loan request information comprises borrower user information, loan amount, loan deadline constraint conditions, repayment amount or loan interest constraint conditions;
triggering a running first intelligent contract by the loan request information, wherein the first intelligent contract is signed by a borrower user and a plurality of payment channel users, and is used for acquiring credit investigation information of the borrower user according to the information of the borrower user and sending the credit investigation information of the borrower user and the loan request information to the payment channel users participating in signing the first intelligent contract;
the system comprises a loan condition receiving module, a payment channel processing module and a payment processing module, wherein the loan condition receiving module is used for receiving loan condition information sent by a payment channel user, and the loan condition information comprises payment success rate information, response speed information, surplus amount information and flow information of the current payment channel user;
triggering a running second intelligent contract by the loan condition information, wherein the second intelligent contract is signed by the payment channel users and a plurality of third parties and is used for selecting one of the plurality of payment channel users as a target payment channel user according to the loan condition information;
and the matching module is used for matching the target payment channel user and the debit user to sign a third intelligent contract so as to complete the payment transaction.
In some embodiments, the first intelligent contract is signed based on real-name authentication information at the time of registration of the borrower user.
In some embodiments, the first smart contract comprises an authorization issued by the borrower user to the payment channel user to obtain credit investigation information of the borrower user.
In some embodiments, the third party participating in the second intelligent contract is selected among the users of the blockchain system according to a preset algorithm.
In some embodiments, the second smart contract comprises: the assessment module is used for inputting the loan condition information into a pre-training machine learning model corresponding to the payment channel user to assess the payment success rate; the evaluation module is used for acquiring evaluation data of the debit user on the payment channel user in the block chain system; the scoring module is used for calculating scoring data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user; the consensus module is used for realizing consensus by a third party according to the grading data of the payment channel users; and the selection module takes the payment channel users generated by consensus as target payment channel users.
In order to achieve the above object, the present invention adopts another technical solution: a computer device comprising a memory having a computer program stored therein and a processor that when executed implements the steps of any of the above-described payment channel selection methods.
In order to achieve the above object, the present invention adopts another technical solution: a computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which when executed by a processor implements the steps of any one of the above-mentioned payment channel selection methods.
Compared with the prior art, the embodiment of the application mainly has the following beneficial effects: according to the embodiment of the application, the credit assessment of the borrower user is automatically completed by using the first intelligent contract and is sent to the related payment channel user, the assessment of the payment channel user is automatically completed by the second intelligent contract according to the payment condition information fed back by the payment channel, and the payment transaction of the target payment channel and the borrower user is completed by the third intelligent contract, so that the intelligent payment channel selection is realized, the payment efficiency is improved, and the transaction management cost is reduced.
Drawings
In order to more clearly illustrate the solution of the present application, the drawings needed for describing the embodiments of the present application will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present application, and that other drawings can be obtained by those skilled in the art without inventive effort.
FIG. 1 is an exemplary system architecture diagram in which the present application may be applied;
FIG. 2 is a flow diagram of one embodiment of a method of selecting a payment channel according to the present application;
FIG. 3 is a flowchart of one embodiment of step S204 of FIG. 2;
FIG. 4 is a schematic block diagram of one embodiment of a selection apparatus for a payment channel according to the present application;
FIG. 5 is a block diagram of one embodiment of the second smart contract of FIG. 4;
FIG. 6 is a schematic block diagram of one embodiment of a computer device according to the present application.
Detailed Description
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "including" and "having," and any variations thereof, in the description and claims of this application and the description of the above figures are intended to cover non-exclusive inclusions. The terms "first," "second," and the like in the description and claims of this application or in the above-described drawings are used for distinguishing between different objects and not for describing a particular order.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.
FIG. 1 is an exemplary system architecture diagram in which the present application may be applied. As shown in fig. 1, the system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few. The terminal devices 101, 102, 103 and the server 105 may be nodes in a blockchain system. The terminal devices 101, 102, 103 and the server 105 may perform point-to-point communication through the network 104 to receive or transmit various messages and data of the blockchain network and the like. The terminal devices 101, 102, 103 and the server 105 may be installed with various software such as an operating system, a blockchain application, a shopping application, a financial application, and the like.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting network communication, including but not limited to smart phones, tablet computers, electronic book readers, MP3 players (Moving Picture Experts Group Audio Layer III, mpeg compression standard Audio Layer 3), MP4 players (Moving Picture Experts Group Audio Layer IV, mpeg compression standard Audio Layer 4), laptop portable computers, desktop computers, and the like.
The server 105 may be a server of a payment channel user and may provide various payment services for the borrower user, for example, providing payment services to the terminal devices 101, 102, 103.
It should be noted that the method for selecting a payment channel provided in the embodiment of the present application is generally executed by a server or a terminal device, and accordingly, the device for selecting a payment channel is generally disposed in the server or the terminal device.
It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
With continued reference to FIG. 2, a flow diagram of one embodiment of a method of selection of a payment channel in accordance with the present application is shown. The method for selecting the payment channel comprises the following steps:
in step 201, the blockchain system receives loan request information sent by a borrower user, where the loan request information includes borrower user information, loan amount, loan term constraint conditions, repayment amount, or loan interest constraint conditions.
In the present embodiment, an electronic device (for example, as shown in fig. 1) on which a selection method of a payment channel is operatedService Device for cleaning the skin) The loan request information sent by the borrower user can be received through a wired connection mode or a wireless connection mode. It should be noted that the wireless connection means may include, but is not limited to, a 3G/4G connection, a WiFi connection, a bluetooth connection, a WiMAX connection, a Zigbee connection, a uwb (ultra wideband) connection, and other wireless connection means now known or developed in the future.
In this embodiment, the obtaining of the credit investigation information of the borrower user according to the borrower user information may include collecting historical transaction records about the borrower user in the block chain system, and calculating credit information of the borrower user according to the historical transaction records, for example, the credit of the borrower user may be scored according to whether there is a default behavior such as overdue repayment in the historical transaction records of the borrower user.
In step 203, the blockchain system receives loan condition information sent by a payment channel user, where the loan condition information includes payment success rate information, response speed information, remaining amount information, and flow information of the current payment channel user.
In this embodiment, the loan condition information may be used to evaluate the payment channel user for estimating the payment success rate of the payment channel.
And 204, triggering second intelligent contracts signed by the payment channel users and a plurality of third parties by the block chain system according to the loan condition information, wherein one of the plurality of payment channel users is selected as a target payment channel user by the second intelligent contracts according to the loan condition information.
In this embodiment, the third party subscription may be other blockchain users in the blockchain system that are independent of the payment channel user. The users of the block chain can be selected as the third party in the forms of voting, random selection and the like, and the users of the block chain with better credit can be selected as the third party according to the credit information, so that the fairness of the selection of the users of the target payment channel is ensured.
In this embodiment, the third intelligent contract may package the transaction information to generate a block, and the block is inserted into the blockchain of the blockchain system by the miners or the nodes generated according to the consensus as the evidence and the evidence for loan repayment.
According to the embodiment of the application, the credit assessment of the borrower user is automatically completed by using the first intelligent contract and is sent to the related payment channel user, the assessment of the payment channel user is automatically completed by the second intelligent contract according to the payment condition information fed back by the payment channel, and the payment transaction of the target payment channel and the borrower user is completed by the third intelligent contract, so that the intelligent payment channel selection is realized, the payment efficiency is improved, and the transaction management cost is reduced.
In some optional implementations of the embodiment, the first intelligent contract is signed according to real-name authentication information at the time of registration of the borrower user.
In some optional implementation modes, the first intelligent contract comprises the authorization issued by the debit user to the payment channel user to acquire credit investigation information of the debit user.
In some alternative implementations, the third party participating in the signing of the second intelligent contract is selected among users of the blockchain system according to a preset algorithm.
Referring also to fig. 3, in some alternative implementations, the step S204 includes:
step S2041, inputting the loan condition information into a pre-training machine learning model corresponding to the payment channel user to evaluate the payment success rate of the payment channel user.
In this embodiment, the pre-trained machine learning model may be a BP neural network model or the like.
Step S2042, obtaining evaluation data made by the debit user to the payment channel user in the block chain system.
In this embodiment, the rating data may be a rating of the debit user for the payment channel users participating in the historical transaction that is maintained in the blockchain system. The evaluation rule may be, for example, 100 points of full score and 0 points of lowest score.
And step S2043, calculating the grading data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user.
In this embodiment, each third party may perform weighted summation on the payment success rate and the evaluation data according to a preset weight value in a weighted summation manner, and calculate the rating data of each payment channel user.
And step S2044, the third party identifies the payment channel users according to the rating data of the payment channel users.
In this embodiment, specifically, the consensus process may include that the third parties share the scoring data Aij of each payment channel user, that is, the scoring data of the ith third party on the jth payment channel user; votes are then cast by the third party based on the scoring data Aij.
Step S2045, the payment channel users generated by consensus are used as target payment channel users.
In this embodiment, specifically, the payment channel user that has obtained the largest number of votes in the consensus process is used as the target payment channel user.
And the third party recognizes that the target payment channel user is generated according to the payment success rate and the evaluation data, so that the fairness of the process of the target payment channel user can be selected, and cheating is prevented.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
With further reference to fig. 4, as an implementation of the method shown in fig. 2, the present application provides an embodiment of a device for selecting a payment channel, where the embodiment of the device corresponds to the embodiment of the method shown in fig. 2, and the device may be applied to various electronic devices.
As shown in fig. 4, the device 400 for selecting a payment channel according to this embodiment includes: a loan request receiving module 401, a first intelligent contract 402, a loan condition receiving module 403, a second intelligent contract 404 and a matching module 405, wherein:
the loan request receiving module 401 is configured to receive loan request information sent by a borrower user, where the loan request information includes borrower user information, loan amount, loan term constraint conditions, repayment amount, or loan interest constraint conditions.
The first intelligent contract 402 is triggered by the loan request information to run, is signed by the borrower user and the plurality of payment channel users, is used for acquiring credit investigation information of the borrower user according to the information of the borrower user, and sends the credit investigation information of the borrower user and the loan request information to the payment channel users participating in signing the first intelligent contract.
The borrowing condition receiving module 403 is configured to receive borrowing condition information sent by a payment channel user, where the borrowing condition information includes payment success rate information, response speed information, remaining amount information, and flow information of a current payment channel user.
The second intelligent contract 404 is triggered to run by the loan condition information and is signed by the payment channel user with a plurality of third parties for selecting one of the plurality of payment channel users as a target payment channel user according to the loan condition information.
The matching module 405 is used for matching the target payment channel user and the debit user to sign a third intelligent contract to complete the payment transaction.
In this embodiment, the first intelligent contract is signed based on the real-name authentication information at the time of registration of the borrower user.
In some embodiments, the first smart contract comprises an authorization issued by the borrower user to the payment channel user to obtain credit investigation information of the borrower user.
In some embodiments, the third party participating in the second intelligent contract is selected among the users of the blockchain system according to a preset algorithm.
According to the embodiment of the application, the credit assessment of the borrower user is automatically completed by using the first intelligent contract and is sent to the related payment channel user, the assessment of the payment channel user is automatically completed by the second intelligent contract according to the payment condition information fed back by the payment channel, and the payment transaction of the target payment channel and the borrower user is completed by the third intelligent contract, so that the intelligent payment channel selection is realized, the payment efficiency is improved, and the transaction management cost is reduced.
Referring to fig. 5, in some alternative implementations of the present embodiment, the second smart contract 404 further includes:
the evaluation module 4041 is configured to input the loan condition information into the pre-trained machine learning model corresponding to the payment channel user to evaluate the payment success rate.
The evaluation module 4042 is used for acquiring evaluation data of the debit user on the payment channel user in the block chain system;
the scoring module 4043 is used for calculating scoring data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user;
the consensus module 4044 is used for realizing consensus by the third party according to the respective grading data of the payment channel users;
the selecting module 4045 takes the payment channel user generated by the consensus as the target payment channel user. In order to solve the technical problem, an embodiment of the present application further provides a computer device. Referring to fig. 6, fig. 6 is a block diagram of a basic structure of a computer device according to the present embodiment.
The computer device 6 comprises a memory 61, a processor 62, a network interface 63 communicatively connected to each other via a system bus. It is noted that only a computer device 6 having components 61-63 is shown, but it is understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead. As will be understood by those skilled in the art, the computer device is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.
The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing devices. The computer equipment can carry out man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch panel or voice control equipment and the like.
The memory 61 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the memory 61 may be an internal storage unit of the computer device 6, such as a hard disk or a memory of the computer device 6. In other embodiments, the memory 61 may also be an external storage device of the computer device 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the computer device 6. Of course, the memory 61 may also comprise both an internal storage unit of the computer device 6 and an external storage device thereof. In this embodiment, the memory 61 is generally used for storing an operating system installed in the computer device 6 and various types of application software, such as program codes of a selection method of a payment channel. Further, the memory 61 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 62 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 62 is typically used to control the overall operation of the computer device 6. In this embodiment, the processor 62 is configured to run a program code stored in the memory 61 or process data, for example, a program code for running a selection method of the payment channel.
The network interface 63 may comprise a wireless network interface or a wired network interface, and the network interface 63 is typically used for establishing a communication connection between the computer device 6 and other electronic devices.
The present application further provides another embodiment, which is to provide a computer-readable storage medium storing a program for selecting a payment channel, the program being executable by at least one processor to cause the at least one processor to perform the steps of the method for selecting a payment channel as described above.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.
It is to be understood that the above-described embodiments are merely illustrative of some, but not restrictive, of the broad invention, and that the appended drawings illustrate preferred embodiments of the invention and do not limit the scope of the invention. This application is capable of embodiments in many different forms and is provided for the purpose of enabling a thorough understanding of the disclosure of the application. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to one skilled in the art that the present application may be practiced without modification or with equivalents of some of the features described in the foregoing embodiments. All equivalent structures made by using the contents of the specification and the drawings of the present application are directly or indirectly applied to other related technical fields and are within the protection scope of the present application.
Claims (10)
1. The method for selecting the payment channel is applied to a block chain system, the block chain system comprises a plurality of debit users and payment channel users, and the method for selecting the payment channel comprises the following steps:
the block chain system receives loan request information sent by a borrower user, wherein the loan request information comprises borrower user information, loan amount, loan deadline constraint conditions, repayment amount or loan interest constraint conditions;
the block chain system triggers and runs first intelligent contracts signed by the borrower user and the plurality of payment channel users according to the loan request information, wherein the first intelligent contracts are used for acquiring credit investigation information of the borrower user according to the borrower user information and sending the credit investigation information of the borrower user and the loan request information to the payment channel users participating in signing the first intelligent contracts;
the block chain system receives loan condition information sent by a payment channel user, wherein the loan condition information comprises payment success rate information, response speed information, surplus amount information and flow information of the current payment channel user;
the block chain system triggers and runs second intelligent contracts signed by the payment channel users and a plurality of third parties according to the loan condition information, and the second intelligent contracts select one of the payment channel users as a target payment channel user according to the loan condition information;
and matching the target payment channel user and the debit user to sign a third intelligent contract to complete the payment transaction.
2. The method of claim 1, wherein the first intelligent contract is signed according to real-name authentication information at the time of registration of the borrower user.
3. The method of claim 1, wherein the first intelligent contract comprises an authorization issued by the borrower user to the payment channel user to obtain credit information of the borrower user.
4. The method of claim 1, wherein the third party participating in the signing of the second intelligent contract is selected among the users of the blockchain system according to a preset algorithm.
5. The method of selecting a payment channel as claimed in claim 1, wherein the step of selecting one of the plurality of payment channel users as the target payment channel user according to the loan condition information by the second intelligent contract comprises: inputting the loan condition information into a pre-training machine learning model corresponding to the payment channel user to evaluate the payment success rate of the payment channel user; obtaining evaluation data of a debit user to a payment channel user in a block chain system; calculating scoring data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user; the third party performs consensus according to the grading data of the payment channel users; and taking the payment channel users generated by the consensus as target payment channel users.
6. A payment channel selection device, wherein the payment channel selection device operates in a blockchain system, the blockchain system including a plurality of borrower users and payment channel users, the payment channel selection device comprising:
the system comprises a loan request receiving module, a loan processing module and a loan processing module, wherein the loan request receiving module is used for receiving loan request information sent by a borrower user, and the loan request information comprises borrower user information, loan amount, loan deadline constraint conditions, repayment amount or loan interest constraint conditions;
triggering a running first intelligent contract by the loan request information, wherein the first intelligent contract is signed by a borrower user and a plurality of payment channel users, and is used for acquiring credit investigation information of the borrower user according to the information of the borrower user and sending the credit investigation information of the borrower user and the loan request information to the payment channel users participating in signing the first intelligent contract;
the system comprises a loan condition receiving module, a payment channel processing module and a payment processing module, wherein the loan condition receiving module is used for receiving loan condition information sent by a payment channel user, and the loan condition information comprises payment success rate information, response speed information, surplus amount information and flow information of the current payment channel user;
triggering a running second intelligent contract by the loan condition information, wherein the second intelligent contract is signed by the payment channel users and a plurality of third parties and is used for selecting one of the plurality of payment channel users as a target payment channel user according to the loan condition information;
and the matching module is used for matching the target payment channel user and the debit user to sign a third intelligent contract so as to complete the payment transaction.
7. The payment channel selection apparatus as claimed in claim 4, wherein the third party participating in the signing of the second intelligent contract is selected among the users of the blockchain system according to a preset algorithm.
8. The payment channel selection apparatus as defined in claim 5, wherein the second smart contract comprises: the assessment module is used for inputting the loan condition information into a pre-training machine learning model corresponding to the payment channel user to assess the payment success rate; the evaluation module is used for acquiring evaluation data of the debit user on the payment channel user in the block chain system; the scoring module is used for calculating scoring data of the payment channel user according to the payment success rate and the evaluation data of the payment channel user; the consensus module is used for realizing consensus by a third party according to the grading data of the payment channel users; and the selection module takes the payment channel users generated by consensus as target payment channel users.
9. Computer device comprising a memory in which a computer program is stored and a processor which, when executing said computer program, carries out the steps of the method of selection of a payment channel according to any one of claims 1 to 5.
10. Computer-readable storage medium, characterized in that a computer program is stored thereon, which computer program, when being executed by a processor, carries out the steps of the method of selecting a payment channel according to any one of claims 1 to 5.
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