CN113112267A

CN113112267A - Block chain-based service cost deduction replacing method and device

Info

Publication number: CN113112267A
Application number: CN202110272421.XA
Authority: CN
Inventors: 沈健刚; 王凯; 杨志雄
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-03-12
Filing date: 2021-03-12
Publication date: 2021-07-13

Abstract

The present specification provides a service charge deduction method and device based on a block chain, wherein the block chain is connected with a multi-level deduction node having a charge deduction authority for target charge; the multi-level deduction-replacing nodes are configured with a fee deduction-replacing sequence; the method is applied to any target deduction node, and a first deduction result of a previous deduction node in the expense deduction sequence to the target expense is obtained from the block chain; when the first deduction result indicates that the target expense is not successfully deducted, continuing to execute expense deduction on for the target expense, and storing a second deduction result corresponding to the continued deduction for the target expense to the block chain, so that a next-level deduction node acquires the second deduction result from the block chain, and when the second deduction result indicates that the target expense is not successfully deducted yet, continuing to execute expense deduction for the target expense, and so on until the target expense is successfully deducted.

Description

Block chain-based service cost deduction replacing method and device

Technical Field

One or more embodiments of the present disclosure relate to the field of network payment, and in particular, to a service fee deduction method and apparatus based on a block chain.

Background

Blockchains provide data storage in a decentralized manner by storing data in a series of data blocks that have a precedence relationship to each other. The chain of blocks is maintained and updated by a network of block chain nodes, which are also responsible for validating data under a consensus scheme. Blockchains may be maintained and updated by adding blocks for blockchain transactions. To store data to the blockchain, the data may be included in a blockchain transaction to add to a new block of the blockchain. Further, many blockchains (e.g., etherhouse blockchains) have blockchain contracts (also referred to as smart contracts) enabled, which may be executed through blockchain transactions. For example, a blockchain transaction may include a signed message issued by an externally owned account (e.g., blockchain account), sent by the blockchain network, and recorded in the blockchain. A block chain contract may be executed to implement the programmed functionality.

In the internet-based business application, a user can set a deduction account and authorize a merchant to execute fee deduction instead of fee from the deduction account. The specific deduction execution process can comprise the step that a payment company corresponding to the deduction account opens an deduction substitute interface, and on the basis of sufficient authorization of the user, a merchant or a merchant agency initiates a deduction action on the deduction account through accurate allocation. However, if the merchant or merchant agency does not initiate a withholding or a withholding configuration is problematic, not only additional time and resources are required for problem location and repair, but also a withholding failure may cause a credit loss for the user.

Disclosure of Invention

In view of the above, one or more embodiments of the present specification provide a block chain based service fee deduction method, apparatus and computer device.

In order to achieve the above purpose, one or more embodiments of the present specification provide the following technical solutions:

according to a first aspect of one or more embodiments of the present specification, a service charge deduction method based on a block chain is provided, the block chain being connected to a plurality of stages of deduction nodes having authority to perform charge deduction on for a target charge; the multi-level deduction nodes are configured with a fee deduction replacing sequence; the method is applied to any target deduction node in the multi-level deduction nodes, and comprises the following steps:

acquiring a first deduction result of a previous deduction node in the expense deduction sequence to the target expense from the block chain;

when the first deduction result indicates that the target expense is not successfully deducted, continuing to execute expense deduction on for the target expense, saving a second deduction result corresponding to the continued deduction for the target expense to the block chain, so that the target deduction node acquires the second deduction result from the block chain at a next-level deduction node in the expense deduction sequence, and when the second deduction result indicates that the target expense is not successfully deducted yet, continuing to execute expense deduction for the target expense, and so on until the target expense is successfully deducted by the multi-level deduction nodes maintaining the expense deduction sequence.

According to a second aspect of one or more embodiments of the present specification, there is provided a service charge deduction device based on a block chain connected to a multi-level deduction node having an authority to perform charge deduction for a target charge; the multi-level deduction nodes are configured with a fee deduction replacing sequence; the device is applied to any target deduction node in the multi-stage deduction nodes, and comprises:

an obtaining unit configured to obtain, from the block chain, a first deduction result of a previous deduction node in the expense deduction order with respect to the target expense;

the deduction replacing unit is used for continuously executing expense deduction replacement of the target expense when the first deduction result indicates that the target expense is not successfully deducted;

and the storage unit is used for storing a second generation deduction result corresponding to the continued deduction of the target expense into the block chain so as to enable the target deduction node to obtain the second generation deduction result from the block chain at a next generation deduction node in the expense deduction sequence, and when the second generation deduction result indicates that the target expense is not successfully deducted, continuing to execute expense deduction of the target expense, and so on until the target expense is successfully deducted by the multi-stage deduction nodes maintaining the expense deduction sequence.

According to a third aspect of one or more embodiments of the present specification, there is provided a computer apparatus comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing a block chain-based service charge deduction method executed by the target deduction node.

Based on the block chain-based service cost deduction method, device and computer equipment provided in the embodiments of the present specification, a first deduction result of a previous deduction node of a target deduction node included in a multi-level deduction node having a multi-level deduction order with respect to a target cost may be stored in the block chain, and when the first deduction result indicates that the target cost is not successfully deducted, the target deduction node may continue to carry out deduction of the target cost, and store a result of continuing deduction, that is, a second deduction result, in the block chain. By sharing the withholding result of the multi-level withholding node on the block chain, the continuous withholding of the target cost can be quickly realized, and the problem of user credit loss caused by the withholding failure of a certain level of withholding node is effectively reduced.

Drawings

Fig. 1 is a schematic application environment diagram of a block chain-based cost deduction method according to an exemplary embodiment.

FIG. 2 is a schematic diagram of creating intelligent contracts and invoking intelligent contracts in a blockchain as provided by an exemplary embodiment.

Fig. 3 is a flowchart of a block chain-based fare deduction method according to an exemplary embodiment.

Fig. 4 is a schematic diagram of a block chain-based cost deduction device applied to a first deduction node side according to an exemplary embodiment.

Figure 5 illustrates a hardware block diagram for an embodiment of a block chain based cost buckle device as provided herein.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the methods may include more or less steps than those described herein. Moreover, a single step described in this specification may be divided into multiple steps for description in other embodiments; however, in other embodiments, multiple steps described in this specification may be combined into a single step for description.

In the internet-based business application, a user can set a deduction account and authorize a merchant of an e-commerce website or a credit repayment deduction mechanism to execute fee deduction from the deduction account so as to complete commodity and service ordering or credit repayment. The specific deduction execution process may include opening an interface of deduction for a payment company corresponding to the deduction account, and based on sufficient authorization of the user, the merchant or the deduction agency invokes the interface to initiate a deduction action for the deduction account by configuring an accurate entry, and in some embodiments, all or part of the deducted money is transferred to an account such as the merchant or a credit issuer. However, if the merchant or the withholding mechanism does not initiate the withholding or the withholding configuration has a problem, the execution of the withholding action fails, which not only requires additional time and resources for problem location and repair, but also the user payment failure may cause the credit loss of the user.

In view of the above, one or more embodiments of the present disclosure provide a block chain-based service charge deduction method, which can be applied to the application environment diagram shown in fig. 1.

In a network environment as shown in fig. 1, may include a client-side computing device 101, a server-side 102, and at least one blockchain system; such as blockchain system 103, blockchain system 104, and blockchain system 105. Client-side computing devices 101, which may include a variety of different types of client-side computing devices; for example, the client side terminal device may include devices such as a PC terminal device, a mobile terminal device, an internet of things device, and other forms of smart devices with certain computing capabilities, and so on. At least some of the computing devices in the client-side terminal device 101 may be coupled to the server-side 102 through various communication networks; for example, the devices 3 and 5 shown in fig. 1 are coupled to the server side 102.

It is understood that some of the client-side terminal devices 101 may not be coupled to the server-side terminal device 102, but may be directly coupled to the blockchain system through various communication networks. In the block chain based service charge deduction method provided in one or more embodiments of the present specification, the device 3 or 5 shown in fig. 1 may be a deduction node described in the present specification, and coupled to the block chain network through the server side 102 of the block chain network, or the device 4 shown in fig. 1 may also be a deduction node described in the present specification, and not coupled to the server side 102, but coupled to a node of the block chain to connect to the block chain system; alternatively, the blockchain node (e.g., any blockchain node included in the blockchain system 103) described in fig. 1 may also be directly coupled to the blockchain system as a certain generation of link node described herein.

Wherein, the communication network may comprise a wired and/or wireless communication network; for example, the Network may be a Local Area Network (LAN), a Wide Area Network (WAN), the internet, or a combination thereof, implemented based on a wired access Network or a wireless access Network provided by an operator, such as a mobile cellular Network.

In one embodiment, the client-side computing device 101, may also include one or more user-side servers; for example, device 5 shown in fig. 1, to which two user-side client devices 1, and device 2 are coupled. The user side server can be realized by a service entity which builds a user account system; the service entity may include an operation entity providing various service bearers for online and/or offline services to a user; the service carrier may include a service carrier in a software form, and may also include a service carrier in a hardware form.

In one embodiment, the service carrier may include various client software providing online internet services; such as a website, web page, APP, etc. In an embodiment of the block chain-based service charge withholding method provided in this specification, the service entity provides a service for a user, so that a user account generates a corresponding target charge to be withheld. The business services include but are not limited to e-commerce, credit loan and life payment.

In one embodiment, the server side 102 may also be coupled to one or more blockchain systems through various communication networks; for example, the server side 102 shown in fig. 1 may be coupled to the blockchain system 103, the blockchain system 104, and the blockchain system 105, respectively, and so on.

In one embodiment, each blockchain system may maintain one or more blockchains (e.g., public blockchains, private blockchains, federation blockchains, etc.) and include a plurality of blockchain nodes for carrying the one or more blockchains; for example, a block chain node 1, a block link point 2, a block link point 3, a block link point 4, a block link point i, etc., as shown in fig. 1, may collectively carry one or more block chains. And cross-chain data access can be performed among the blockchains contained in each blockchain system and among the blockchain systems.

In one embodiment, the block link points may include full nodes and light nodes. The whole node can download the blockchain transaction contained in each block in the blockchain in a whole amount, and can perform consensus verification on the blockchain transaction contained in each blockchain according to the carried blockchain consensus algorithm.

And the light node may not download the complete blockchain, but may only download the data of the block header of each block in the blockchain, and use the data contained in the block header as a verification root for verifying the authenticity of the blockchain transaction. Light nodes may attach to full nodes to access more functions of the blockchain.

For example, each blockchain node in the blockchain system 103 shown in fig. 1 may be a full node; the device 4 shown in fig. 1, which is directly coupled to the blockchain system, may be attached as a light node to each full node in the blockchain system 103.

In one embodiment, a block link point may be a physical device, or may be a virtual device implemented in a server or a server cluster; for example, the block-node device may be a physical host in a server cluster, or may be a virtual machine created after a virtualization technology is performed on a server or a hardware resource carried by the server cluster. Each blockchain node may be coupled together by various types of communication methods (e.g., TCP/IP) to form a network to carry one or more blockchains.

In one embodiment, the server 102 may include a BaaS platform (also referred to as a BaaS cloud) for providing a Blockchain as a Service (BaaS). The BaaS platform can provide a pre-programmed software mode for activities (such as subscription and notification, user verification, database management and remote update) occurring on the blockchain, and provides a simple and easy-to-use, one-key deployment, quick verification and flexible and customizable blockchain service for client-side computing equipment coupled with the BaaS platform, so that the application development, test and online of blockchain services can be accelerated, and landing of blockchain business application scenes of various industries can be facilitated.

For example, in one example, a BaaS platform may provide software such as MQ (Message Queue) services; the client-side computing equipment coupled with the BaaS platform can subscribe an intelligent contract deployed on a certain block chain in a block chain system coupled with the BaaS platform and trigger a contract event generated on the block chain after execution; and the BaaS platform can monitor the event generated on the block chain after the intelligent contract is triggered to execute, and then add the contract event into the message queue in the form of notification message based on the software related to MQ service, so that the client-side computing device subscribing the message queue can obtain the notification related to the contract event.

The computing device may construct the data into a standard transaction (transaction) format supported by the blockchain, then issue the transaction to the blockchain, perform consensus processing on the received transaction by the node devices in the blockchain, and package the transaction into a block by the node devices serving as accounting nodes in the blockchain after the consensus is achieved, and perform persistent evidence storage in the blockchain.

Regardless of which consensus algorithm is adopted by the block chain, the accounting node can pack the received transaction to generate a latest block and send the latest block to other node devices for consensus verification. If the latest block is received by other node equipment and no problem is proved, the latest block can be added to the tail of the original block chain, so that the accounting process of the block chain is completed. The transactions contained in the block may also be performed during the process of the other nodes verifying the new block sent by the accounting node.

It should be noted that, each time a latest block is generated in the blockchain, the corresponding status of the executed transactions in the blockchain changes after the transaction in the latest block is executed. For example, in a block chain constructed by an account model, the account status of an external account or a smart contract account usually changes correspondingly with the execution of a transaction.

For example, when a "transfer transaction" is completed in a block, the balances of the transferring party account and the transferring party account associated with the "transfer transaction" (i.e., the field values of the Balance fields of these accounts) are usually changed.

For another example, the "intelligent contract invocation transaction" in the block is used to invoke an intelligent contract deployed on the blockchain, invoke the intelligent contract in the EVM corresponding to the node device to execute the "intelligent contract invocation transaction", and update the account status of the intelligent contract account in the account of the intelligent contract after the execution of the intelligent contract invocation transaction.

In practical applications, whether public, private, or alliance, it is possible to provide the functionality of a Smart contract (Smart contract). An intelligent contract on a blockchain is a contract on a blockchain that can be executed triggered by a transaction. An intelligent contract may be defined in the form of code.

Taking an Etherhouse as an example, a user is supported to create and call some complex logic in the Etherhouse network. The ethernet workshop is used as a programmable block chain, and the core of the ethernet workshop is an ethernet workshop virtual machine (EVM), and each ethernet workshop node can run the EVM. The EVM is a well-behaved virtual machine through which various complex logic can be implemented. The user issuing and invoking smart contracts in the etherhouse is running on the EVM. In fact, the EVM directly runs virtual machine code (virtual machine bytecode, hereinafter referred to as "bytecode"), so the intelligent contract deployed on the blockchain may be bytecode.

A schematic diagram of creating an intelligent contract and invoking the intelligent contract is shown in fig. 2. An intelligent contract is created in an Ethernet workshop and needs to be subjected to the processes of compiling the intelligent contract, changing the intelligent contract into byte codes, deploying the intelligent contract to a block chain and the like. The intelligent contract is called in the Ethernet workshop, a transaction pointing to the intelligent contract address is initiated, the EVM of each node can respectively execute the transaction, and the intelligent contract code is distributed and operated in the virtual machine of each node in the Ethernet workshop network.

After the user sends a transaction containing the information of calling the intelligent contract to the Ethernet shop network, each node can execute the transaction in the EVM. The From field of the transaction is used for recording the address of the account initiating the calling of the intelligent contract, the To field is used for recording the address of the called intelligent contract, and the Data field of the transaction is used for recording the method and the parameter for calling the intelligent contract. After invoking the smart contract, the account status of the contract account may change. Subsequently, a client may check the account status of the contract account through the accessed block link points, for example, the account status may be stored in the Storage tree of the intelligent contract in the form of a Key-Value pair. The results of the execution of the transaction that invokes the smart contract, which may be in the form of a transaction receipt (receipt), are stored in the MPT receipt tree.

The intelligent contract can be independently executed at each node in the blockchain in a specified mode, and all execution records and data are stored on the blockchain, so that after the transaction is executed, transaction certificates which cannot be tampered and cannot be lost are stored on the blockchain.

Fig. 3 illustrates an exemplary embodiment of a block chain-based service charge deduction method, where the block chain is connected to a plurality of deduction nodes having a multi-step deduction order for a target charge. The specific connection manner of the deduction node and the block chain includes, but is not limited to, the connection manner of the device 3, 4, or 5 and the block chain in the application environment shown in fig. 1, which is not described herein again.

The deduction replacement can be called as deduction collection in some application scenes, and specifically comprises that a deduction replacement mechanism calls a deduction replacement interface of a payment mechanism corresponding to a payment account of a user of a payer, and deduction of money is conducted from the payment account under the condition of configuring corresponding participation and user authorization information; in some embodiments, the debited money is transferred to a payee account designated by the user. The application fields of the withhold include but are not limited to e-commerce, life payment, credit payment, periodic recharging of business accounts, and the like.

The deducting executor may include a toll collector related to the above application field, such as a seller merchant in electronic commerce, a resource supply institution such as water, electricity and coal in life payment, a loan provider in credit service, a service operation institution corresponding to a service account, and the like; however, the biller may not have the level of skill to accurately perform the withholding depending on its own network computing device and personnel configuration, and thus, the biller may typically delegate the withholding to a third party organization, including but not limited to a software developer that may provide withholding technical support for the withheld biller, a financial institution that manages the withheld account of the biller, or a financial institution that manages the user account of the biller, and so forth. The deduction-replacement node according to this embodiment may include a computing device held by the toll collector and a third party institution or the like to which the toll collector entrusts.

In addition, in the present embodiment, the plurality of deduction nodes corresponding to the target fee to be deducted have a multi-level deduction order, that is, the deduction behavior for the target fee can be executed from the initial deduction node according to the multi-level deduction order, and when the deduction behavior for the previous deduction node is not successfully executed (which may include non-deduction or non-complete deduction for the target fee), the next deduction node continues to execute the action.

The block chain-based service cost deduction method according to this embodiment is applied to any target deduction node in the plurality of deduction nodes. As shown in fig. 3, the method includes:

step 302, obtaining a first deduction result of the previous deduction node in the expense deduction sequence to the target expense from the block chain.

The previous-level deduction node can store the generated first deduction result to the block chain after executing deduction on the target expense. Based on the different connection modes between the previous-level deduction node and the block chain, the specific process of storing the first deduction result into the block chain may be different. When the previous deduction node is coupled to the blockchain in the manner of the device 3 or 5 shown in fig. 1, the previous deduction node may send the first deduction result obtained from the corresponding deduction server to the server 102, and then the server 102 sends the first deduction result to the blockchain system 103 in the format accepted by the blockchain system 103; when the previous deduction node is coupled to the blockchain in the manner of the device 4 shown in fig. 1, the previous deduction node may send the first deduction result obtained from the corresponding deduction server to the blockchain node 2 connected with the previous deduction node, and then the blockchain node 2 sends the first deduction result to the blockchain system 103 in a format accepted by the blockchain system 103, and so on.

The previous deduction node can execute deduction of the target fee in the corresponding deduction server (such as the devices 3, 4 and 5 shown in fig. 1). For example, the target fee includes a fee to be paid by a payment account in the target business order; the upper-level deduction node executes deduction of the target cost, and the method comprises the following steps:

and calling a payment interface of a payment mechanism corresponding to the payment account of the target business order, executing deduction of the target fee, and transferring at least part of the target fee to a collection account of the target business order. At this point, the superior deduction node may obtain a transfer receipt generated by the financial institution for the at least part of the target fee, the transfer receipt including the first deduction result.

In yet another illustrative embodiment, when the target fee represents a virtual resource circulating on the blockchain and having an anchor relationship with value of an entity asset (e.g., currency, stocks, bonds, real estate, etc.) under the blockchain, the deduction of the target fee from the payor's blockchain account may be performed by a node device included in the blockchain in response to a first deduction transaction sent by the previous deduction node. At this time, the first withholding result can be saved in the blockchain as the execution result of the first withholding transaction.

Specifically, the first deduction transaction may be represented as a call transaction of a first intelligent contract for fee deduction, so that the node device calls deduction logic of the first intelligent contract in response to the first deduction transaction, deducts the target fee from a blockchain account of the payer, and stores an execution result of the first deduction transaction, that is, a first deduction result, in the blockchain, for example, in a transaction log corresponding to the first deduction transaction.

And step 304, when the first deduction result indicates that the target fee is not successfully deducted, continuing to carry out fee deduction for the target fee.

The enforcement policy for deducting the target fee from the balance in the payment account is different depending on the specific service setting. For example, when the user performs the deduction of the target fee amount to the payment account of the user based on the product or service purchased by the user on the e-commerce platform, if the balance in the payment account is less than the target fee, the previous deduction node may not perform fee deduction, but directly generate a first deduction result of the deduction failure; in the credit repayment business field, if the balance in the payment account designated by the user for repayment is less than the target fee limit to be repayed, the previous deduction node can deduct the fee based on the current balance in the payment account and generate a first deduction result which does not completely deduct the target fee. Therefore, the target fee according to the present embodiment is not successfully withheld, which may include that the target fee is not successfully withheld at all, or that a part of the target fee is successfully withheld, and a balance is not successfully withheld;

similarly, the target deduction node may continue to execute deduction of the target fee in its corresponding deduction server (e.g. the devices 3, 4 and 5 shown in fig. 1), for example, deduction of the target fee in full amount, or deduction of the amount of the target fee that has not been successfully deducted.

When the target fee includes a fee to be paid by a payment account in a target service order, the continuing to perform deduction of the target fee includes: and calling a payment interface of a payment mechanism corresponding to the payment account of the target business order, and executing deduction of the target fee so as to transfer at least part of the target fee to a collection account of the target business order. At this time, the target deduction node obtains a second deduction result corresponding to the deduction of the target fee, and the second deduction result comprises: obtaining a transfer receipt generated by the payment institution for at least a portion of the target fee, the transfer receipt including the second surrender result.

In a further illustrated embodiment, when the target fee represents a virtual resource circulating on the blockchain and having a value anchor relationship with an entity asset (such as currency, stocks, bonds, real estate) under the blockchain, after the target deduction node obtains a first deduction result of the upper deduction node of the blockchain to the target fee, when the first deduction result indicates that the target fee is not successfully deducted, the deduction can be continuously executed based on the first deduction result: and sending a second deduction transaction to the blockchain, so that the node equipment of the blockchain responds to the second deduction transaction, continuously executes fee deduction for the target fee from the blockchain account of the payer corresponding to the target fee, and saving a second deduction result of the fee deduction for the target fee to the blockchain.

Specifically, the second deduction transaction may be represented as a call transaction of a first intelligent contract for deduction, so that the node device calls deduction logic of the first intelligent contract in response to the second deduction transaction, continues to execute deduction of the target fee from a blockchain account of a payer, and saves a second deduction result of fee deduction of the target fee to the blockchain, for example, in a transaction log corresponding to the second deduction transaction.

It should be noted that, in order to ensure the accurate execution of the deduction, a deduction-replacing check logic may be further deployed in the first intelligent contract to verify whether the target deduction-replacing node has the right to continue executing the deduction replacement of the cost of the target cost.

The above embodiment, where the target deduction node sends a call transaction of the first intelligent contract to the blockchain, so that the node device of the blockchain invokes, in response to the call transaction, deduction logic of the first intelligent contract, continues to execute fee deduction of the target fee from a blockchain account of a payer corresponding to the target fee, and saves, to the blockchain, a second deduction result of fee deduction of the target fee, includes:

the target deduction node sends a calling transaction of the first intelligent contract to the block chain, so that the node equipment of the block chain responds to the calling transaction, calls deduction pre-check logic of the first intelligent contract, and verifies whether the target deduction node has the authority of continuously executing expense deduction of the target expense; if yes, the node equipment of the block chain continuously calls the deduction logic of the first intelligent contract, the charge deduction of the target charge is continuously executed from the block chain account of the payer corresponding to the target charge, and a second deduction result of the charge deduction of the target charge is stored in the block chain.

The specific contents of the deduction-prior logic in the above embodiments are not limited. In an illustrated embodiment, the first intelligent contract may set a payment method for the service fee, where the payment method includes user payment or merchant deduction. When the payment mode is merchant deduction, indicating that the payer user authorizes the merchant or a deduction replacement mechanism to carry out deduction replacement on the target fee; at this time, the multi-level deduction node, which is the deduction-replacing execution mechanism corresponding to the merchant, can have the authority of continuously executing deduction-replacing of the target fee.

The verifying, by the node device of the block chain, whether the target deduction node has the right to continue to execute deduction of the cost of the target cost may include: and the node equipment of the block chain verifies whether the payment mode corresponding to the service order comprises a deduction mode, if so, the target deduction node has the authority of continuously executing the deduction of the target fee.

In yet another illustrated embodiment, the service comprises a payment service for a service order; the fee withholding comprises a fee withholding corresponding to the payment fee in the service order; the business system for conducting business order management can be in butt joint with the block chain, and the flow state of the business order is updated by calling the first intelligent contract. The verifying, by the node device, whether the target deduction node has the right to continue to perform deduction of the cost of the target cost may include: and verifying whether the current state corresponding to the service order is in a preset withholding prohibition state, if not, the target withholding node has the authority of continuously executing fee withholding for the target fee. The preset withholding prohibition state may include a finished state, a closed state, and the like, and those skilled in the art may also set or expand the withholding prohibition state based on the specific flow of the service.

In another embodiment, the node apparatus may verify whether the target deduction node has the right to continue to execute deduction of the fee for the target fee, and may further include: and verifying whether the sum of the deduction amount of the multi-level deduction node to the target expense exceeds the target expense, if not, the target deduction node has the authority of continuously executing expense deduction to the target expense.

Step 306, storing the second deduction result corresponding to the continued deduction of the target fee to the block chain, so that the target deduction node obtains the second deduction result from the block chain at the next-level deduction node in the fee deduction order, and when the second deduction result indicates that the target fee is not successfully deducted yet, continuing to execute fee deduction of the target fee, and so on until the target fee is successfully deducted by the multi-level deduction nodes maintaining the fee deduction order.

Similarly, the second deduction result indicating that the target fee has not been successfully deducted may include that the target fee has not been successfully deducted at all, or that a part of the target fee has been successfully deducted and the rest has not been successfully deducted.

The next-level deduction node obtains a second deduction result of the target deduction node for the target cost from the blockchain, and when the second deduction result indicates that the target cost is not yet successfully deducted, the execution process of deduction for the target cost is continuously executed, which is similar to the above-mentioned steps 302 to 304 in which the target deduction node obtains a first deduction result of the previous-level deduction node for the target cost from the blockchain, and when the first deduction result indicates that the target cost is not yet successfully deducted, the execution process of deduction for the target cost is continuously executed, and thus, details are not repeated here.

When the target fee comprises the fee to be paid by a payment account in a target service order, a final deduction node included in the plurality of deduction nodes with the multi-level deduction order is a payment mechanism node corresponding to the payment account of the target service order, and the payment mechanism is used for carrying out bottom holding on deduction of the target fee: when the payee merchant itself or the deduction replacement mechanism entrusted by the payee merchant cannot complete deduction replacement of the target fee, the payment mechanism corresponding to the payment account may be used.

Through the block chain-based service cost deduction method in steps 302 to 304, a deduction result of a previous deduction node of a target deduction node in a plurality of deduction nodes having a multi-level deduction sequence for deduction of the target cost can be stored in the block chain, so that the target deduction node obtains a deduction result of the previous deduction node of the target cost and continues to carry out deduction of the target cost; and checking the withholding result of the superior node of the plurality of withholding nodes step by step, and continuously executing withholding until the withholding of the target cost is completed. Compared with the mode of executing the replacement of the buttons by the appointed replacement mechanism and checking the reason positioning problem after the replacement of the buttons fails, the replacement of the target cost can be quickly realized by sharing the replacement result of the multi-level replacement button nodes on the block chain, and the problem of user credit loss caused by the replacement failure of a certain level of replacement button nodes is effectively reduced.

In still another illustrative embodiment, when the deduction of the target fee or the remaining deduction waiting margin of the target fee is performed in a chain deduction server managed by the target deduction node, the next deduction node can be accurately and quickly notified by using an event mechanism of the intelligent contract. A second intelligent contract for deduction management is deployed on the block chain, wherein a contract code of the second intelligent contract declares a multi-level deduction sequence of the multi-level deduction nodes corresponding to the target cost; the first withholding result is included in a withholding result event for the target withholding node generated by a node device of the blockchain invoking the second intelligent contract.

In this embodiment, the step 304 to 306 of continuing to perform fee deduction for the target fee by the target deduction node, and saving a second deduction result corresponding to the continued fee deduction for the target fee to the block chain includes: the target deduction node continues to execute expense deduction of the target expense from an off-chain payment account of the payer corresponding to the target expense; and responding to the first generation deduction result event, sending a second deduction result corresponding to the continued deduction of the target cost to the block chain, so that the node equipment of the block chain generates a second generation deduction result event aiming at the next generation deduction node based on the second generation deduction result, and storing the second generation deduction result event aiming at the next generation deduction node to the block chain.

Therefore, the next-level deduction node is accurately and quickly informed by using an event mechanism of the intelligent contract, so that after the next-level deduction node acquires the second-level deduction result event, whether the second-level deduction result indicates that the target cost is successfully deducted or not is checked, when the second-level deduction result does not successfully deduct, the next-level deduction node continues to execute the cost deduction of the target cost in an off-chain payment account of a payer, and the result of the continuous deduction is sent to a block chain to generate a deduction result event of the next-level deduction node, and so on.

It is to be noted that, in order to ensure accurate execution of deduction, a deduction-prior-check logic may be further deployed in the second intelligent contract to verify whether a next-level deduction node of the target deduction node has an authority to continue execution of deduction of the target fee.

The above embodiment, where the node device of the blockchain invokes the event generation logic of the second intelligent contract, generates a second deduction result event for the next deduction node based on the second deduction result, and saves the second deduction result event for the next deduction node to the blockchain, includes:

the node equipment of the block chain responds to the obtained second deduction result, calls a deduction pre-check logic of the second intelligent contract, and verifies whether a next-level deduction node of the target deduction node has the authority of continuously executing deduction of the target cost; if so, the node equipment of the block chain continues to call the event generation logic of the second intelligent contract, generates a second deduction result event aiming at the next-level deduction node based on the second deduction result, and stores the second deduction result event aiming at the next-level deduction node into the block chain.

In an illustrated embodiment, the second intelligent contract may set a payment method for the service fee, where the payment method includes user payment or merchant deduction. When the payment mode is merchant deduction, indicating that the payer user authorizes the merchant or a deduction replacement mechanism to carry out deduction replacement on the target fee; at this time, the multi-level deduction node, which is the deduction-replacing execution mechanism corresponding to the merchant, can have the authority of continuously executing deduction-replacing of the target fee.

The verifying, by the node device of the block chain, whether a next-level deduction node of the target deduction node has an authority to continue to perform deduction of the cost of the target cost may include: and the node equipment of the block chain verifies whether the payment mode corresponding to the service order comprises a withholding mode, if so, the next-level withholding node of the target withholding node has the authority of continuously executing fee withholding for the target fee.

In yet another illustrated embodiment, the service comprises a payment service for a service order; the fee withholding comprises a fee withholding corresponding to the payment fee in the service order; the business system for conducting business order management can be in butt joint with the block chain, and the process state of the business order is updated by calling the second intelligent contract. The verifying, by the node device, whether a next-level deduction node of the target deduction node has an authority to continue to perform deduction of the cost of the target cost may include: and verifying whether the current state corresponding to the service order is in a preset withholding prohibition state, if not, the next-level withholding node of the target withholding node has the authority of continuously executing the fee withholding of the target fee. The preset withholding prohibition state may include a finished state, a closed state, and the like, and those skilled in the art may also set or expand the withholding prohibition state based on the specific flow of the service.

In another illustrated embodiment, the verifying, by the node device, whether a next-level deduction node of the target deduction node has the right to continue to perform deduction of the fee for the target fee may further include: and verifying whether the sum of the deduction amount of the multi-level deduction node to the target expense exceeds the target expense, if not, the next-level deduction node of the target deduction node has the authority of continuously executing expense deduction to the target expense.

Optionally, in one or more of the above embodiments, if the payee merchant or the deduction agency entrusted by the payee merchant has a system fault, which causes the deduction agency to be initiated and succeeded by other related parties (including and not limited to the bottom-of-the-book payment agency party), the agency that successfully initiates the deduction agency may charge a small technical service fee to the payee merchant, so as to improve the participation of the plurality of deduction agency nodes in the above embodiments.

Corresponding to the above flow implementation, the embodiment of the present specification further provides a block chain based service charge deduction device 40. The apparatus 40 may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 5.

As shown in fig. 4, the present specification provides a service charge deduction device 40 based on a block chain connected to a plurality of stages of deduction nodes having authority to deduct charge for a target charge; the multi-level deduction nodes are configured with a fee deduction replacing sequence; the apparatus 40 is applied to any target deduction node in the multi-level deduction node, and the apparatus 40 comprises:

an obtaining unit 402, configured to obtain, from the block chain, a first deduction result of a previous deduction node in the expense deduction order with respect to the target expense;

a withholding unit 404, when the first withholding result indicates that the target fee is not withheld successfully, continuing to perform fee withholding on the target fee;

the saving unit 406 is configured to save a second deduction result corresponding to the continued deduction of the target cost to the block chain, so that the target deduction node obtains the second deduction result from the block chain at a next-level deduction node in the cost deduction order, and when the second deduction result indicates that the target cost is not successfully deducted yet, continue to execute cost deduction of the target cost, and so on until the target cost is successfully deducted by the multi-level deduction nodes that maintain the cost deduction order.

In yet another illustrated embodiment, a first intelligent contract for a fee rebate is deployed on the blockchain; the contract code of the first intelligent contract declares the multi-level withholding sequence of the multi-level withholding nodes corresponding to the target cost;

the buckle replacing unit 404 is further configured to:

sending a calling transaction of the first intelligent contract to the blockchain, so that the node equipment of the blockchain calls a deduction logic of the first intelligent contract in response to the calling transaction, and continuously executing fee deduction of the target fee from a blockchain account of a payer corresponding to the target fee;

the saving unit 406 is further configured to:

saving a second deduction result of the fee deduction for the target fee to the blockchain.

In a further illustrated embodiment, before invoking deduction logic of the first intelligent contract to continue to perform fee deduction for the target fee from the blockchain account of the payer corresponding to the target fee, the method further includes:

calling the withholding pre-check logic of the first intelligent contract to verify whether the target withholding node has the right of continuously executing the fee withholding of the target fee; if yes, the node equipment of the block chain continuously calls the deduction logic of the first intelligent contract, and the deduction of the target fee is continuously executed from the block chain account of the payer corresponding to the target fee.

In a further illustrated embodiment, a second intelligent contract for deduction management is deployed on the blockchain, wherein the contract code of the second intelligent contract declares a multi-level deduction order of the multi-level deduction nodes corresponding to the target cost; the first generation deduction result comprises a first generation deduction result event which is generated by calling the second intelligent contract by the node equipment of the block chain and aims at any generation deduction node;

the buckle replacing unit 404 is further configured to:

continuously executing fee deduction for the target fee from an off-chain payment account of the payer corresponding to the target fee;

the saving unit 406 is further configured to:

and responding to the first generation deduction result event, sending a second generation deduction result corresponding to the generation deduction of the target cost to the block chain, so that the node equipment of the block chain calls the event generation logic of the second intelligent contract, generating a second generation deduction result event aiming at the next generation deduction node based on the second generation deduction result, and saving the second generation deduction result event aiming at the next generation deduction node to the block chain.

In yet another illustrative embodiment, before invoking the event generation logic of the second intelligent contract and generating the second deduction result event for the next level deduction node based on the second deduction result, the method further comprises:

calling the withholding pre-check logic of the second intelligent contract to verify whether the next-level withholding node of the target withholding node has the right of continuously executing the fee withholding of the target fee; if so, the node equipment of the block chain continuously calls the event generation logic of the second intelligent contract, and generates a second deduction result event aiming at the next-level deduction node based on the second deduction result.

In yet another illustrated embodiment, the service comprises a payment service for a service order; the fee withholding comprises a fee withholding corresponding to the payment fee in the service order.

In yet another illustrated embodiment, the last level deduction node in the plurality of deduction nodes with the multi-level deduction order is a payment institution node corresponding to the payment account in the service order.

In yet another illustrated embodiment, the service includes a loan service; the expense deduction includes debit and credit expense deduction corresponding to the debit and credit service.

The implementation process of the function and the action of each unit in the device 40 is specifically described in the implementation process of the corresponding step in the block chain-based service deduction method executed by the target deduction-replacing node, and related points may be referred to part of the description of the method embodiment, which is not described herein again.

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

The apparatuses, units and modules described in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

Corresponding to the above method embodiments, embodiments of the present specification also provide a computer device, as shown in fig. 5, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, executes the steps of the block chain-based service deduction method executed by the target deduction-behalf node in the embodiment of the present specification. For a detailed description of each step of the block chain-based service deduction method executed by the target deduction node, please refer to the previous contents, which is not repeated.

The above description is only for the purpose of illustrating the preferred embodiments of the present disclosure and is not to be construed as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure are intended to be included within the scope of the present disclosure.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.

Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

Claims

1. A service charge withholding method based on block chain, the block chain is connected with multi-stage withholding nodes with charge withholding authority for target charge; the multi-level deduction nodes are configured with a fee deduction replacing sequence; the method is applied to any target deduction node in the multi-level deduction nodes, and comprises the following steps:

2. The method of claim 1, the blockchain having deployed thereon a first intelligent contract for a fee deduction; the contract code of the first intelligent contract declares the multi-level withholding sequence of the multi-level withholding nodes corresponding to the target cost;

the continuously executing the fee deduction for the target fee, and saving a second deduction result corresponding to the continuously deduction result for the target fee to the block chain, including:

sending a call transaction of the first intelligent contract to the blockchain, so that the node equipment of the blockchain responds to the call transaction, calls a deduction logic of the first intelligent contract, continues to execute fee deduction of the target fee from a blockchain account of a payer corresponding to the target fee, and stores a second deduction result of the fee deduction of the target fee to the blockchain.

3. The method of claim 2, further comprising, before invoking deduction logic of the first intelligent contract to continue to perform fee deduction for the target fee from the blockchain account of the payer corresponding to the target fee, further:

4. The method of claim 1, wherein a second intelligent contract for deduction management is deployed on the blockchain, wherein a contract code of the second intelligent contract declares a multi-level deduction order of the multi-level deduction nodes corresponding to a target cost; the first generation deduction result comprises a first generation deduction result event which is generated by calling the second intelligent contract by the node equipment of the block chain and aims at any generation deduction node;

the continuing to execute the fee deduction for the target fee and saving a second deduction result corresponding to the continued fee deduction for the target fee to the block chain includes:

and responding to the first generation deduction result event, sending a second generation deduction result corresponding to the continued deduction of the target cost to the block chain, so that node equipment of the block chain calls an event generation logic of the second intelligent contract, generating a second generation deduction result event aiming at the next generation deduction node based on the second generation deduction result, and saving the second generation deduction result event aiming at the next generation deduction node to the block chain.

5. The method of claim 4, further comprising, prior to invoking the event generation logic of the second intelligent contract to generate a second deduction result event for the next level of deduction nodes based on the second deduction result:

6. The method of claim 1, the transaction comprising a payment transaction for a transaction order; the fee withholding comprises a fee withholding corresponding to the payment fee in the service order.

7. The method of claim 6, wherein a last level deduction node of the plurality of deduction nodes having a multi-level deduction order is a payment authority node corresponding to a payment account in the service order.

8. The method of claim 1, said service comprising a lending service; the expense deduction includes debit and credit expense deduction corresponding to the debit and credit service.

9. A service charge withholding device based on a block chain is disclosed, wherein the block chain is connected with a multi-level withholding node with the charge withholding authority for carrying out charge withholding on target charge; the multi-level deduction nodes are configured with a fee deduction replacing sequence; the device is applied to any target deduction node in the multi-stage deduction nodes, and comprises:

10. The apparatus of claim 9, the blockchain having disposed thereon a first intelligent contract for a fee discount; the contract code of the first intelligent contract declares the multi-level withholding sequence of the multi-level withholding nodes corresponding to the target cost;

the buckle replacing unit is further used for:

the saving unit is further configured to:

11. The apparatus of claim 10, further comprising, before invoking deduction logic of the first intelligent contract to continue to perform fee deduction for the target fee from the blockchain account of the payer corresponding to the target fee, the apparatus further comprising:

12. The apparatus of claim 9, the blockchain having deployed thereon a second intelligent contract for deduction management, wherein contract code of the second intelligent contract declares a multi-level deduction order of the multi-level deduction nodes corresponding to a target fee; the first generation deduction result comprises a first generation deduction result event which is generated by calling the second intelligent contract by the node equipment of the block chain and aims at any generation deduction node;

the buckle replacing unit is further used for:

the saving unit is further configured to:

13. The apparatus of claim 12, further comprising, prior to invoking the event generation logic of the second smart contract to generate a second deduction result event for the next level of deduction nodes based on the second deduction result:

14. The apparatus of claim 9, the service comprising a payment service for a service order; the fee withholding comprises a fee withholding corresponding to the payment fee in the service order.

15. The apparatus of claim 14, a last level deduction node of the plurality of deduction nodes having a multi-level deduction order being a payment authority node corresponding to a payment account in the business order.

16. The apparatus of claim 9, said service comprising a loan service; the expense deduction includes debit and credit expense deduction corresponding to the debit and credit service.

17. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 1 to 8.