CN112927083A - Block chain-based batch settlement method, system and medium - Google Patents

Block chain-based batch settlement method, system and medium Download PDF

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Publication number
CN112927083A
CN112927083A CN202110342560.5A CN202110342560A CN112927083A CN 112927083 A CN112927083 A CN 112927083A CN 202110342560 A CN202110342560 A CN 202110342560A CN 112927083 A CN112927083 A CN 112927083A
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China
Prior art keywords
bill
intelligent contract
clearing
block chain
transaction
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CN202110342560.5A
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Chinese (zh)
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郭长永
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Shanghai Wanxiang Blockchain Inc
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Shanghai Wanxiang Blockchain Inc
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The invention provides a block chain-based batch settlement method, a system and a medium, comprising the following steps: step 1: deploying intelligent contracts in a blockchain; step 2: when the batch clearing business occurs, a temporary network channel is established outside the block chain, and after an initiator signs a transaction to be linked, a transaction bill is sent to a payee through the temporary network channel; and step 3: the payee confirms and signs the bill after receiving the bill and then sends the bill to the initiator; and 4, step 4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling; and 5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed. The invention adopts the temporary network channel, so that the transaction transmission is changed from one transaction confirmed each time to one transaction confirmed, the problem of insufficient efficiency caused by the original block chain is solved, and the clearing efficiency is improved.

Description

Block chain-based batch settlement method, system and medium
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based batch clearing method, a block chain-based batch clearing system and a block chain-based batch clearing medium.
Background
The blockchain is widely applied to a financial system as a bottom layer technology at present as a distributed account book technology. In the financial business system, clearing business based on block chain is a big problem at present. Most systems built from the blockchain bottom are performance limited and far from meeting production-level clearing business requirements.
Patent document CN108520412A (application number: CN201810347357.5) discloses a method for designing a clearing and settlement transaction account splitting algorithm for block chains, which comprises the following steps: s1, resolving the three-party transaction into a plurality of atomic transactions according to the user account number and the account, and packaging the original three-party transaction and the atomic transaction into a composite transaction; s2, packaging the multiple compound transactions, performing consensus to form blocks, grouping the atomic transactions in the blocks according to the user account, and sequencing according to the time sequence; s3, acquiring the last related transaction by the non-quantitative information, and updating the last related transaction into a final state value; s4, merging the transactions grouped according to the user account number according to the fund and asset account of the quantitative information, and calculating the intermediate value of account change; and S5, inquiring the balance of the user account, and calculating the balance with the account change intermediate value to obtain the final account balance.
Disclosure of Invention
In view of the defects in the prior art, the present invention aims to provide a block chain-based batch liquidation method, system and medium.
The block chain-based batch settlement method provided by the invention comprises the following steps:
step 1: deploying intelligent contracts in the block chain for checking clearing;
step 2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel;
and step 3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill;
and 4, step 4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling;
and 5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed.
Preferably, the initiating party submits a batch of transactions to the intelligent contract, and submits corresponding funds for clearing settlement, the intelligent contract verifies whether each transaction has signature information of both the initiating party and the receiving party, if so, the confirmation is passed, and the fund distribution and confirmation are completed; otherwise, no execution is passed.
Preferably, a complaint period is set aside after the signatures of the two parties are verified, and the intelligent contract automatically transfers funds after the complaint period.
Preferably, during the complaint period, if the payee submits to the intelligent contract different billing data than the sponsor and having the signatures of both parties, then the clearing is not performed.
The block chain-based batch settlement system provided by the invention comprises:
module M1: deploying intelligent contracts in the block chain for checking clearing;
module M2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel;
module M3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill;
module M4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling;
module M5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed.
Preferably, the initiating party submits a batch of transactions to the intelligent contract, and submits corresponding funds for clearing settlement, the intelligent contract verifies whether each transaction has signature information of both the initiating party and the receiving party, if so, the confirmation is passed, and the fund distribution and confirmation are completed; otherwise, no execution is passed.
Preferably, a complaint period is set aside after the signatures of the two parties are verified, and the intelligent contract automatically transfers funds after the complaint period.
Preferably, during the complaint period, if the payee submits to the intelligent contract different billing data than the sponsor and having the signatures of both parties, then the clearing is not performed.
According to the present invention, a computer-readable storage medium is provided, in which a computer program is stored, which, when being executed by a processor, carries out the steps of the method as described above.
Compared with the prior art, the invention has the following beneficial effects:
(1) by adopting a temporary network channel, the invention changes the transaction sending from each time of confirming one transaction into confirming one transaction, solves the problem of insufficient efficiency caused by the original block chain and improves the clearing efficiency;
(2) the invention ensures that the rights and interests of both the paying party and the collecting party can be confirmed when the bill is submitted to the intelligent contract by the data storage mode that both parties sign each transaction, thereby solving the problem of possible submission of illegal transactions;
(3) the invention ensures the transparency and fairness of the clearing business rule by setting a limited complaint period in the intelligent contract, ensures that the transaction is a result of the consensus of both parties, and solves the cheating problem possibly caused by transaction packaging.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
fig. 1 is a schematic diagram of the clearing and settlement intelligent contract structure of the invention.
Detailed Description
The present invention will be described in detail with reference to specific examples. The following examples will assist those skilled in the art in further understanding the invention, but are not intended to limit the invention in any way. It should be noted that it would be obvious to those skilled in the art that various changes and modifications can be made without departing from the spirit of the invention. All falling within the scope of the present invention.
Example 1:
the block chain-based batch settlement method provided by the invention comprises the following steps: step 1: deploying intelligent contracts in the block chain for checking clearing; step 2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel; and step 3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill; and 4, step 4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling; and 5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed. The initiating party submits a batch of transactions to the intelligent contract and submits corresponding funds for clearing the settlement, the intelligent contract verifies whether each transaction has signature information of both the initiating party and the receiving party, if so, the confirmation is passed, and the fund distribution and confirmation are completed; otherwise, no execution is passed. And (4) reserving a complaint period after the signatures of the two parties are verified, and automatically transferring the fund by the intelligent contract after the complaint period. During the complaint period, if the payee submits a different intelligent contract than the initiator submits and has the bill data signed by both parties, the clearing is not performed.
The block chain-based batch settlement system provided by the invention comprises: module M1: deploying intelligent contracts in the block chain for checking clearing; module M2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel; module M3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill; module M4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling; module M5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed. The initiating party submits a batch of transactions to the intelligent contract and submits corresponding funds for clearing the settlement, the intelligent contract verifies whether each transaction has signature information of both the initiating party and the receiving party, if so, the confirmation is passed, and the fund distribution and confirmation are completed; otherwise, no execution is passed. And (4) reserving a complaint period after the signatures of the two parties are verified, and automatically transferring the fund by the intelligent contract after the complaint period. During the complaint period, if the payee submits a different intelligent contract than the initiator submits and has the bill data signed by both parties, the clearing is not performed.
According to the present invention, a computer-readable storage medium is provided, in which a computer program is stored, which, when being executed by a processor, carries out the steps of the method as described above.
Example 2:
example 2 is a preferred example of example 1.
When a share right transaction user account is generated, a user private key is encrypted by using a symmetric key generated according to user related information and then uploaded to a server, and registration and permission binding of the user account are carried out.
The block chain-based batch settlement method provided by the invention comprises the following steps:
the method comprises the following steps: an intelligent contract for checking clearing is pre-deployed in a block chain, and the set rule is as follows: the clearing initiator submits a batch of transactions to the intelligent contract and submits corresponding funds for clearing. The intelligent contract needs to verify that each transaction has signature information of both the bank and the payee, and if the rule is confirmed to pass, the fund distribution and confirmation are completed.
Step two: when the batch clearing service occurs, a temporary network channel is created outside the block chain. After the liquidation originator a signs a batch of transactions to be linked, the bill for these transactions is sent to the payee B, C, D for confirmation via a temporary network channel, as shown in fig. 1.
Step three: after receiving the bill, the payee B, C, D confirms the bill and signs the transaction, at this time B, C, D stores a bill b, c, d with the signature of both parties, and sends it to a through the network channel.
Step four: after receiving the batch of bills b, c and d with the signatures of both parties, the A sends the bills and the funds to the intelligent contract for clearing.
Step five: after receiving the bills b, c and d, the intelligent contract starts an examination stage, verifies whether the bills are signed by both parties, and reserves a complaint period of 6 blocks. During the complaint period, if B, C, D submitted a different intelligent contract than that submitted by A and possessed the bill data signed by both parties, then the liquidation is not performed.
Step six: after the complaint period, the intelligent contract will automatically transfer funds.
Those skilled in the art will appreciate that, in addition to implementing the systems, apparatus, and various modules thereof provided by the present invention in purely computer readable program code, the same procedures can be implemented entirely by logically programming method steps such that the systems, apparatus, and various modules thereof are provided in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Therefore, the system, the device and the modules thereof provided by the present invention can be considered as a hardware component, and the modules included in the system, the device and the modules thereof for implementing various programs can also be considered as structures in the hardware component; modules for performing various functions may also be considered to be both software programs for performing the methods and structures within hardware components.
The foregoing description of specific embodiments of the present invention has been presented. It is to be understood that the present invention is not limited to the specific embodiments described above, and that various changes or modifications may be made by one skilled in the art within the scope of the appended claims without departing from the spirit of the invention. The embodiments and features of the embodiments of the present application may be combined with each other arbitrarily without conflict.

Claims (9)

1. A block chain-based batch settlement method is characterized by comprising the following steps:
step 1: deploying intelligent contracts in the block chain for checking clearing;
step 2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel;
and step 3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill;
and 4, step 4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling;
and 5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed.
2. The block chain-based batch settlement method according to claim 1, wherein the initiator submits a batch of transactions to an intelligent contract and submits corresponding funds for settlement, the intelligent contract verifies whether each transaction has signature information of both the initiator and the payee, and if both the signature information exist, the verification is passed, and the fund distribution and the verification are completed; otherwise, no execution is passed.
3. The block chain based batch settlement method of claim 1, wherein a complaint period is set aside after the signature verification of both parties, and the intelligent contract automatically transfers funds after the complaint period.
4. The block chain based batch settlement method of claim 3, wherein in the complaint period, if the payee smart contract submits bill data which is different from that submitted by the initiator and has both-side signatures, the settlement is not executed.
5. A block chain based batch clearing system, comprising:
module M1: deploying intelligent contracts in the block chain for checking clearing;
module M2: when the batch clearing and settlement service occurs, a temporary network channel is established outside a block chain, and after an initiator signs a transaction to be linked, a bill of the transaction is sent to a payee for confirmation through the temporary network channel;
module M3: after receiving the bill through the temporary network channel, the payee confirms the bill and signs the transaction, and sends the bill to the initiator through the temporary network channel after storing the bill;
module M4: after receiving the bills signed by both parties, the initiator sends the bills and funds to an intelligent contract for clearing and settling;
module M5: and the intelligent contract enters an examination stage after receiving the bill, verifies whether the bill has the signatures of both parties, and if so, clears and settles the bill, otherwise, the intelligent contract is not executed.
6. The block chain-based batch clearing and settling system of claim 5, wherein the initiator submits a batch of transactions to the intelligent contract and submits corresponding funds for clearing and settling, the intelligent contract verifies whether each transaction has signature information of both the initiator and the payee, if both, the confirmation is passed, and the fund distribution and confirmation are completed; otherwise, no execution is passed.
7. The block chain based batch clearing and settling system of claim 5, wherein a complaint period is set aside after the signature verification of both parties, and the intelligent contract will automatically transfer funds after the complaint period.
8. The blockchain-based batch clearing system of claim 7, wherein during the complaint period, if the payee submits a different intelligent contract with the bill data signed by both parties than the sponsor, the clearing is not performed.
9. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 4.
CN202110342560.5A 2021-03-30 2021-03-30 Block chain-based batch settlement method, system and medium Pending CN112927083A (en)

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Publication number Priority date Publication date Assignee Title
CN113506106A (en) * 2021-06-15 2021-10-15 数界(深圳)科技有限公司 Transaction method, settlement method and device and storage medium thereof

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CN106934715A (en) * 2017-01-23 2017-07-07 天津米游科技有限公司 A kind of high frequency method of commerce and system based on block chain
CN108520412A (en) * 2018-04-18 2018-09-11 北京天德科技有限公司 A kind of settle accounts calculation transaction towards block chain divides the design method of account algorithm
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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113506106A (en) * 2021-06-15 2021-10-15 数界(深圳)科技有限公司 Transaction method, settlement method and device and storage medium thereof

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Application publication date: 20210608