CN113506106A

CN113506106A - Transaction method, settlement method and device and storage medium thereof

Info

Publication number: CN113506106A
Application number: CN202110660592.XA
Authority: CN
Inventors: 林祥兴; 艾本仁; 杜聚龙
Original assignee: Shujie Shenzhen Technology Co ltd
Current assignee: Shujie Shenzhen Technology Co ltd
Priority date: 2021-06-15
Filing date: 2021-06-15
Publication date: 2021-10-15

Abstract

The disclosed embodiment provides a transaction method, a settlement method, a device thereof and a storage medium; the transaction method comprises the following steps: carrying out multiple micro-transactions included in the transaction in sequence; in each micro-transaction, the payer generates a micro-transaction payment voucher serving as a payment acceptance and sends the payment voucher to the payer; wherein the microtransaction payment credential is a payer-signed microtransaction credit, the microtransaction credit being a credit of an amount of all microtransactions confirmed or expected to be completed by at least a payer in the transaction; when a preset settlement condition is met, submitting a settlement request for a plurality of completed but uncommitted microtransactions by a submitting party, wherein the settlement request at least carries microtransaction information; wherein the microtransaction information includes the microtransaction payment credentials and microtransaction data; the microtransaction data includes an identification of the payer, the microtransaction, and a transaction to which the microtransaction belongs; the submitter is the payer or the payer.

Description

Transaction method, settlement method and device and storage medium thereof

Technical Field

The present disclosure relates to, but not limited to, the field of blockchains, and more particularly, to a transaction method, a settlement method, apparatuses thereof, and a storage medium.

Background

The blockchain technology provides an effective method for transactions between two parties with zero trust base, but the flexible transaction mode in the real society makes the delivery mode based on the blockchain face more complicated and troublesome problems. Although blockchains provide non-repudiatable evidence-keeping methods for zero-trust parties to transact in the virtual world, evidence-keeping on blockchains does not necessarily ensure true delivery in the real world. Common problems are: under the condition of prior payment and later payment, the payable party does not confirm after receiving the goods; alternatively, in the case of a first payment, a second delivery, the delivery party should lie that the goods have been delivered. Specific examples are: the block chain records the transaction records of 100 jin apples, and the real world may receive several stones. In the blockchain world, only virtual payment or virtual goods delivery can be enforced, while neither real payment nor delivery of real goods or services can be enforced. Obviously, the method of recording delivery receipts on the blockchain, which is usually adopted, is difficult to effectively restrict the real delivery or payment.

For example, a person (payer) purchases a service or purchases a quota discounted purchase card at a monthly price: this person typically requires multiple acquisitions of services or goods (acquisition process) to complete the composite transaction. A party selling a service or goods (a delivery party) may also need to provide the service or goods through a number of different individuals or entities (a delivery process) to complete a composite delivery. As described above, in the case of zero trust, one payment and one delivery are difficult to guarantee in the real world, and one payment and multiple deliveries are not practical. Although such a composite trading contract may be divided into a combination of trades, each trade generates a trading cost (transfer cost), and when the number of divided trades is large, a problem arises in economic feasibility. How to use the blockchain technology to economically support multiple deliveries/payments in a composite transaction is a problem to be overcome when the blockchain technology is further popularized and applied.

Disclosure of Invention

The following is a summary of the subject matter described in detail herein. This summary is not intended to limit the scope of the claims.

The embodiment of the disclosure provides a transaction method, a settlement method, a device thereof and a storage medium, which ensure the safety of the delivery of transaction targets and the settlement of fees by splitting transactions into micro-transactions; the asynchronous settlement request is submitted and the micro-transaction points are combined to reduce the unnecessary block chain transaction quantity on the settlement chain, so that the reliability and efficiency of delivery and payment are integrally improved, and the settlement cost after the micro-transaction is split is reduced.

The embodiment of the disclosure provides a transaction method, which comprises the following steps:

carrying out multiple micro-transactions included in the transaction in sequence; in each micro-transaction, the payer generates a micro-transaction payment voucher serving as a payment acceptance and sends the payment voucher to the payer; wherein the microtransaction payment credential is a payer-signed microtransaction credit, the microtransaction credit being a credit of an amount of all microtransactions confirmed or expected to be completed by at least a payer in the transaction;

when a preset settlement condition is met, submitting a settlement request for a plurality of completed but uncommitted microtransactions by a submitting party, wherein the settlement request at least carries microtransaction information;

wherein the microtransaction information includes the microtransaction payment credentials and microtransaction data; the microtransaction data includes an identification of the payer, the microtransaction, and a transaction to which the microtransaction belongs; the submitter is the payer or the payer.

Optionally, the microtransaction product is:

wherein: k is the serial number of the micro-transaction in the ith transaction, k is greater than 0, p is the consensus price of the ith transaction, dt is the delivery amount of one micro-transaction, p (i) dt is the amount of one micro-transaction in the ith transaction, and f (k, i) is the amount integral of the ith micro-transaction from the beginning to the kth micro-transaction and represents the accumulated amount of the ith transaction.

Optionally, the generating, by the payer, a micro-transaction payment credential for use as a payment acceptance, and sending the micro-transaction payment credential to the payer includes:

the payer generates a micro-transaction payment voucher for use as a payment acceptance after confirming receipt of the goods/services delivered by the payer or when the goods/services delivered by the payer are expected to be received;

after the payer generates the micro-transaction payment voucher, if the settlement condition is not met, the payer directly sends the micro-transaction payment voucher to the payer; and if the settlement condition is met, signing the information at least comprising the micro-transaction payment voucher and the block chain deposit certificate information of the payer together, generating a micro-transaction payment receipt and sending the micro-transaction payment receipt to the payer.

Optionally, the settlement request further includes respective blockchain credit information of the payer and the block chain credit information of the payer.

Optionally, before the submitting party submits the settlement request for the plurality of completed but uncommitted microtransactions, the method further includes:

the non-submitting party signs the micro-transaction payment certificate together with the block chain certificate storage information of the non-submitting party and then sends the micro-transaction payment certificate to the submitting party;

the micro-transaction information and blockchain credit information of the payer and the payer included in the settlement request include: the microtransaction data;

the payer signs the micro-transaction payment credential together with the blockchain credit information of the payer;

and the payer adds the micro-transaction payment credential to the blockchain credit card information of the payer and signs the result.

Optionally, the signing the microtransaction payment credential together with the own blockchain credential information by the non-submitting party and sending the microtransaction payment credential to the submitting party includes:

the payer acts as a non-submitting party and sends the micro-transaction payment receipt to the payer;

or the delivery party is used as a non-delivery party, and after receiving the micro-transaction payment receipt sent by the payment party, the micro-transaction payment receipt is signed together with the block chain certificate information of the delivery party and then sent to the payment party.

Optionally, the block chain evidence storing information includes: the certificate storing information of the newly added block of the micro transaction chain and the certificate storing information of the newly added block of the macro transaction chain;

the micro-transaction chain newly added block is used for recording micro-transaction information of the micro-transaction, and the macro-transaction chain newly added block is used for recording macro-transaction information when the settlement condition is met;

the macro transaction information at least comprises the micro transaction information and micro transaction chain added block information.

Optionally, the micro transaction information and/or the macro transaction information further include: additional information, and/or characteristic information of the additional information.

Optionally, the transaction method further includes:

after the payer receives and confirms the micro-transaction bill of the payer, or after an expected micro-transaction payment certificate is sent to the payer and the receipt of the goods/services delivered by the payer is confirmed, adding blocks in a micro-transaction block chain of the payer, and recording micro-transaction information;

and the payer sends a micro-transaction bill to the payer after delivery, and receives a micro-transaction payment certificate returned by the payer, or adds a block in a micro-transaction block chain of the payer after receiving and delivering an expected micro-transaction payment certificate sent by the payer, and records the micro-transaction information.

The embodiment of the disclosure also provides a settlement method applied to a settlement chain or an intelligent contract, including,

receiving the settlement request submitted in the transaction method;

and carrying out fund settlement according to the corresponding micro-transaction information in the settlement request.

Optionally, the settlement request includes the micro-transaction data and a result of the payer signing the micro-transaction payment credential together with the blockchain credit information of the payer; the payer adds the micro-transaction payment credential to the blockchain credit card information of the payer to carry out signature; before the submitting party submits the settlement request, the non-submitting party signs the micro-transaction payment certificate and the block chain deposit certificate information of the non-submitting party and then sends the micro-transaction payment certificate and the block chain deposit certificate information to the submitting party;

the performing fund settlement according to the corresponding micro-transaction information in the settlement request comprises:

when the submitter is the payer, verifying the microtransaction payment credential signed by the payer and the blockchain credit information of the payer, comprising: verifying whether the signature is complete, whether the signature is really the signature of the payer or not, and whether the blockchain credit information of the payer is matched with the account number of the payer or not;

verifying that the microtransaction payment credential signed by the payer is plus blockchain credit information of the payer, and that the microtransaction payment credential signed by the payer is plus blockchain credit information of the payer, when the submitter is the payer, including: verifying whether the signature is complete, whether the signature is indeed the signature of the payer/payer, and whether the blockchain credit information of the payer/payer matches the account number of the payer/payer;

and after the verification is successful, carrying out fund transfer according to the micro-transaction payment voucher.

An embodiment of the present disclosure further provides an electronic device, including a memory and a processor, where the memory stores a computer program, and the processor is configured to execute the computer program to perform any one of the above transaction or settlement methods.

Embodiments of the present disclosure also provide a computer storage medium having a computer program stored therein, wherein the computer program is configured to perform any one of the above-described transaction or settlement methods when executed.

In this embodiment, the transaction is divided into a plurality of micro transactions, the micro transactions are settled once, and the amount of money is accumulated by the micro transaction point in each micro transaction, so that the efficiency, the safety and the reliability of the transaction can be improved, and the interaction cost after the transaction is divided into the micro transactions is reduced.

Other aspects will be apparent upon reading and understanding the attached drawings and detailed description.

Drawings

Fig. 1a is a flowchart of a payer in a transaction method according to an embodiment of the disclosure;

FIG. 1b is a flow chart of a payer in a transaction method according to an embodiment of the disclosure;

fig. 1c is a flowchart of a payer in a transaction method according to a second embodiment of the disclosure;

fig. 1d is a flowchart of a payer in a transaction method according to a second embodiment of the disclosure;

fig. 2 is a flowchart of a settlement method according to an embodiment of the disclosure;

fig. 3 is a flowchart of a transaction method according to a third embodiment of the disclosure;

FIGS. 4a and 4b are schematic diagrams of a block chain of micro transaction provided in the third embodiment;

fig. 5 is a flowchart of a settlement method provided in the fourth embodiment of the present disclosure;

fig. 6 is a flowchart of a transaction method according to a seventh embodiment of the disclosure;

fig. 7 is a flowchart of a settlement method according to a ninth embodiment of the disclosure;

fig. 8 is a flowchart of a transaction method provided by an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings and specific embodiments. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

Hereinafter, the terms "transaction", "microtransaction", "macrocransaction" are used to denote:

a transaction, or basic transaction, refers to a closed loop of one exchange between two parties to a transaction, including at least payment (clearing/settlement/promises of payment are also referred to herein as payment) and delivery of goods/services.

A micro transaction is a single transaction that is a result of human segmentation of a real-world (basic) transaction, and includes at least one closed exchange loop including delivery and delivery confirmation/commitment between two parties of the micro transaction (i.e., between the two parties of the transaction). A delivery corresponding to a microtransaction is also referred to as a microtransaction. The difference between the micro-transaction and the transaction is that the exchange closed loop of the transaction comprises currency/blockchain token settlement, and the micro-transaction is only the consensus of both transaction parties, and is the commitment of delivery confirmation and corresponding payment obligation corresponding to the micro-transaction instead of the completion of currency/token payment.

Macro transaction or compound transaction, which refers to the set of all micro transactions for submitting settlement from the same provider (payer) and different payers under the same macro transaction contract; alternatively, the same payer, a different provider (the payer) is used to submit a set of all microtransactions for settlement. For example, in the contracts described below, a's macro-deals are the set of micro-deals that a is associated with, and that a's first, second, third, fourth, etc. will submit a settlement every 10 times. Similarly, a macro transaction for a nail is a collection of micro transactions that A, B, C, etc. associated with the nail are submitted to settle every 10 times.

The macro transaction contract refers to a transaction contract for a delivery party participating in the macro transaction and a corresponding payment party according to the same contract processing method for the same commodity or service. For example, a contract is made between the service and the customer to make one micro-transaction per minute, with a settlement submitted every 10 micro-transactions. There may be a plurality of service providers such as A, B, C, and there may be a plurality of clients such as A, B, C, D, etc. Just as there may be one-to-many situations from the perspective of a single server or a single client participating in a transaction, it is referred to as a "macro" transaction contract.

Because not all microtransactions need to be submitted, but rather are submitted in stages according to rules negotiated by the contract, overall the microtransactions submitted are orders of magnitude less than all of the microtransactions generated.

The payer is a party who provides goods/services in a transaction, and the payer is a party who purchases goods/services and pays for them. Virtual currency, electronic currency, or other tender may be paid.

Hereinafter, when a transaction is split into at least one microtransaction, a 4-tuple (x, y, z, s) may be used to represent one microtransaction data in the (basic) transaction process. Wherein X (X ∈ X, payer id); y (Y ∈ Y, payer id); z (Z ∈ Z, transaction id); s (S ∈ S, microtransaction id).

In the embodiment of the invention, the micro-transaction information is recorded on an independent block chain, the micro-transaction information not only carries micro-transaction data and a micro-transaction payment certificate, but also can carry other supplementary information (such as additional information actively associated to the micro-transaction by a user or characteristic information of the additional information) to be recorded and stored on the chain, and the block chain is called a micro-transaction block chain and is also called a micro-transaction chain; macro transaction information formed by associating the micro transaction information is recorded on an independent block chain, and the macro transaction information can also carry supplementary information; this blockchain is referred to as a "macro transaction blockchain," also referred to as a "macro transaction chain. Each transaction participant has its own independent macro transaction block chain and micro transaction block chain. The supplementary information and the micro/macro transaction do not necessarily have natural relevance, the event corresponding to the supplementary information can be generated in the same time period as the micro/macro transaction, or the action or the feeling of a transaction party (a payer or a delivery party), or the like, or the supplementary information and the micro/macro transaction do not have a relevant factor at all, but the supplementary information can be relevant to the micro/macro transaction through active relevance of a user and is recorded in a corresponding micro/macro transaction block. The supplementary information recorded in the macro transaction block and the micro transaction block may be completely different, or partially the same, or all the same for the same transaction.

In the execution of settlement, if settlement is performed in the virtual currency in the related art, the virtual currency block chain is referred to as a "settlement block chain" or "settlement chain". In order to improve the system throughput or other considerations, settlement is performed using a side chain or a branch chain in the virtual currency, which is called a main chain, and a side chain or a branch chain is called a "settlement side chain", and in the case where no distinction is required, such a settlement side chain or branch chain is hereinafter also called a "settlement chain". The related art settlement chain (virtual currency block chain and side chain/branch chain) scheme referred to herein is not an object or content of the present invention, and the present application is not limited thereto but is only an alternative settlement/clearing manner. The settlement chain related in the embodiment of the present invention is different from the micro transaction block chain and the macro transaction block chain defined in the embodiment of the present invention.

The following intelligent contracts, unless otherwise specified, refer to intelligent contracts on a chain of settlement. The intelligent contracts enforce transaction terms that may or may not include macro transaction contracts. For convenience of description, reference will be made hereinafter to smart contracts, which refer to micro-delivery/payment contracts that are common to both parties of a transaction, i.e., contracts that automatically execute micro-transactions. The specific content and form of the intelligent contract are not limited in this application, and various feasible implementations are possible.

The point of the amount of all microtransactions confirmed by at least the payer to be completed or expected to be completed in a transaction is calculated according to the following,

wherein: k is the serial number of the micro-transaction in the ith transaction, k is greater than 0, p is the consensus price of the ith transaction, dt is the delivery amount of one micro-transaction, namely: p (i) dt is the amount of one microtransaction in the ith transaction, f (k, i) is the amount integral (cumulative amount) from the start to the kth microtransaction for the ith microtransaction, called the microtransaction point, the microtransaction point of the amount of all microtransactions that have completed the consensus with the payer signature, called the microtransaction point certificate, also called the microtransaction payment certificate, i.e. the promise to pay.

For example, the following steps are carried out: for example, one transaction is divided into 50 micro transactions, each micro transaction is a single money corresponding to 10M flow, and the settlement is performed once every ten micro transactions; assuming that the point of the microtransaction is 1 at the first microtransaction and 16 at the 16 th microtransaction; and so on.

Because the microtransaction points contain the sum of the pre-preamble microtransaction in the transaction, the microtransaction points can have certain fault-tolerant capability, for example, part of submission is omitted, but the accumulated sum is not wrong; as long as the two parties agree to 'signature for promise of payment' before settlement, the two parties can ensure the approval of the accumulated amount during settlement; by adopting the micro-transaction points, the micro-transaction is not required to be submitted to a settlement chain every time, so that the workload of the part is saved, the overall efficiency is improved, and the reliability and the correctness of the micro-transaction can be improved.

In addition, even in the case of exception handling, only the last payment voucher related information needs to be submitted, and the micro-transaction payment acceptance related information which is not submitted does not need to be submitted one by one. For example, after the non-submitting party passes the limited turn, the other party leaves abnormally without subsequent interaction; or other abnormal situation, which results in a failure to see the correct submission on the chain, one of the parties may submit the resulting accumulated credit voucher to the settlement process (i.e., the contents of the exception process corresponding to the settlement process) in a pre-agreed format.

The macro transaction point is the accumulated point of all micro transactions contained in the macro transaction, and is calculated according to the following mode:

wherein m refers to the mth transaction included in the macro transaction, and m is greater than 0; kmax (i) is the serial number of the last microtransaction in the ith transaction, and f (kmax (i), i) is the microtransaction credit for settling the ith transaction; s (m) is the sum of all micro transactions to be settled from the start of the macro transaction to the mth transaction, and is the macro transaction point; the completed agreed upon macro transaction points with the payer signature are referred to as a macro transaction point voucher, also referred to as a macro transaction payment voucher.

Each microtransaction message (including microtransaction data, microtransaction payment vouchers or microtransaction payment receipts, and even additional information related to the microtransaction) can be recorded in the form of a block chain, and the chain for recording the microtransaction is called the microtransaction block chain. Although the specific form of the block chain varies widely, the essence of the embodiment of the present disclosure is not affected. For example: hash writing the block content information in a block header; the information of the block head is subjected to miner hash signature to obtain block head hash; where the chunk header contains a hash pointing to the previous chunk. Both parties participating in the microtransaction can record own microtransaction chains, and the microtransaction chains are naturally different due to the difference of the additional information, and the same is microtransaction data, microtransaction payment vouchers or microtransaction payment receipts in the microtransaction information of the same microtransaction; the additional information may be different.

Likewise, each participant may record its own macro transaction chain.

At least one of the parties in the microtransaction process is responsible for submitting a settlement request to link the settlement information after the microtransaction process is executed according to rules agreed by a transaction contract or any other type of out-of-band negotiation. Of course, both parties may submit settlement requests. Since the two parties to the transaction are not usually a main body, the manner of submitting by one party is relatively simple, and the following description takes the example of submitting a settlement request by one party as an example. The settlement information carried in the submitted settlement request includes but is not limited to the following information: the system comprises micro-transaction information, payer micro-transaction block chain adding block information, payer macro-transaction block chain adding block information, payer micro-transaction block chain adding block information and payer macro-transaction block chain adding block information. The new block information may be, but is not limited to, a new block certificate.

Wherein: 4-tuple microtransaction data in the microtransaction information is used for distinguishing different microtransactions; the microtransaction credit voucher (hereinafter also referred to as a microtransaction payment voucher) carries the latest microtransaction credit result, i.e. f (kmax, i), the 4-tuple information and the payment commitment (payer signature) of the payer. The normally expected normal microtransaction point result can be obtained by combining submitted historical information with a macrotransaction submission rule to carry out arithmetic operation; the micro-transaction block chain added block information, which can carry key information of the micro-transaction block chain (such as but not limited to the added micro-transaction block certificate) to ensure that the transaction amount cannot be tampered; the macro transaction block chain adds block information that may carry key information of the macro transaction block chain (such as, but not limited to, the new macro transaction block certificate) to ensure that the transaction amount is not tampered with.

The intelligent contract on the settlement chain can design the checking range and method as required to achieve different processing logics, different checking methods can be developed as long as submitted information exists, various design possibilities of the intelligent contract are not described and exhausted, and only part of design targets of the intelligent contract are emphasized. For example, an arithmetic, logical checksum calculation may be performed on the various information above.

For example, to determine whether the promise to pay is from a payer, a signature of the total number of microtransaction credits that the payer has committed to pay to the service (the payer) is carried in a "microtransaction credits voucher," where the payer employs the payer blockchain account number on the clearing chain, and the service (the payer) also employs the account number on the same clearing chain. Thus, the intelligent contract on the chain of settlement can easily determine whether the information of the promise for payment is from the correct payer.

For example, in order to determine whether the payment acceptance can be effectively reimbursed, the intelligent contract may determine, in addition to determining that the signature of the payment acceptance is correct, by comparing the balance of the account of the payer with the amount of the payment acceptance of the payer, or by comparing the credit line corresponding to the account of the payer with the amount of the payment acceptance; or the amount of money prepaid to the intelligent contract by the payer is compared and judged; the specific determination method is not limited to the above-described method, and may be set by itself.

The information a signed by X, or the result of X signing the information a, as referred to herein, includes the information a itself, as well as the digital signature of X on the information a. For example, the microtransaction points signed by the delivery party, or the result of the signature of the microtransaction points by the payment party, include the microtransaction points themselves, as well as the digital signature of the microtransaction points by the payment party.

Example one

The present embodiment takes the delivery side as a preset settlement submitting side as an example.

The present embodiment provides a transaction method, the flow of which is shown in fig. 1a and fig. 1b, wherein fig. 1a is the processing flow of the payer, fig. 1b is the processing flow of the payer, the transaction method includes,

step 101, after a micro delivery is completed, the delivery party issues a micro transaction bill to the payer.

After the micro-transaction bill is sent out, if no payer return message is received after overtime, executing preset exception processing; if the payment party receives the micro-transaction bill (see step 102 and step 107), the payment party proceeds to step 108;

step 102, the payer receives the microtransaction bill, verifies the goods/services actually received, checks the microtransaction bill, confirms whether the correct or not, and if the correct, executes step 103; if the fault exists, the flow is terminated, preset exception handling is executed, some fault tolerance methods can be designed to tolerate a certain number of faults without changing the essence of the invention, the specific mode of whether the fault tolerance method is adopted or not and the fault tolerance method is not limited, and the fault tolerance method can be selected not to be adopted or any fault tolerance method can be adopted according to the requirement.

Step 103, the payer generates a payer-signed micro-transaction payment certificate, and the payer records the micro-transaction information on the own micro-transaction block chain, including but not limited to: 4-tuple-represented microtransaction data and microtransaction payment credentials; optionally, additional information actively associated with the microtransaction by the user, or characteristic information of the additional information, such as: hash values of the additional information, and tree root information when the information is stored in a merkel tree structure, even a certain URL, an address of data outside the settlement chain, and the like; the additional information can be increased or decreased according to the needs; the additional information associated with the microtransaction may also be information unrelated to the transaction itself, such as weather, mood, event information around, and the like.

104, judging whether a settlement submitting condition is met by a payer; if not, executing step 105, and if so, executing step 106;

step 105, sending the micro-transaction payment voucher signed by the payer to the payer; the payer returns to step 102 to wait for entering the next microtransaction cycle, or to wait for the microtransaction bill sent by the delivery party in the next microtransaction; the process may also end here if all microtransactions in a transaction have been completed.

Step 106, the payer generates a macro transaction block; wherein the macro transaction block at least comprises the following contents: the hash value of the micro-transaction information or the micro-transaction data represented by the complete 4-tuple and the newly generated hash value of the micro-transaction block containing the micro-transaction information; optionally, the macro transaction block further includes: the microtransaction payment credentials and/or microtransaction credits; optionally, the macro transaction block further includes: supplementary information such as the status of progress of the macro transaction, the dynamic total number of parties participating in the micro transaction, even weather conditions, etc.

Step 107, the payer generates a micro-transaction payment receipt and sends the micro-transaction payment receipt to the payer; the payer returns to step 102 to wait for entering the next microtransaction cycle, or to wait for the microtransaction bill sent by the delivery party in the next microtransaction; if all the microtransactions in one transaction are completed, the process can also be ended here;

step 108, the delivery party judges whether the micro-transaction payment voucher or the micro-transaction payment receipt is correct, if so, step 109 is executed, and if not, the flow is terminated, and preset exception handling is executed.

Step 109, the payer records the micro-transaction information of the current time on the micro-transaction block chain of the payer;

step 110, the delivery party judges whether the settlement submitting conditions are met, if so, the step 111 is executed, and if not, the step 101 is returned to, namely, the next microtransaction cycle is waited to enter or the follow-up microtransaction is waited to be performed; the process may also end here if all microtransactions in a transaction have been completed.

Step 111, the delivery party generates a macro transaction block;

step 112, the delivery party submits a settlement request; returning to step 101, namely waiting to enter the next microtransaction cycle or waiting for the subsequent microtransaction; the process may also end here if all microtransactions in a transaction have been completed.

In step 107, the micro-transaction payer generates a micro-transaction payment receipt (at least including the accumulated amount of points, the information of the newly added blocks of the micro-transaction and the information of the newly added blocks of the macro-transaction) signed by the payer, and returns the micro-transaction payment receipt to the payer. Optionally, wherein the microtransaction payment receipt includes: signed information { Tx (A- > B: x), Ext, TB, MB } and its digital signature-sign { Tx (A- > B: x), Ext, TB, MB }, the digital signature representing the payer's signature on these several pieces of signed information, Tx being the current microtransaction payment credential, A representing payer account information, B representing payer account information, x representing an amount of money, Ext being any additional information or its characteristic value such as a hash value, TB being the payer microtransaction blockchain latest blockchain credential (e.g., but not limited to a blockhash value, such as may be a URL, such as may be directly blocky content, etc.), MB being the payer macrotransaction blockchain latest blockchain credential (e.g., but not limited to a blocky hash value, such as may be a URL, such as may be directly blocky content, etc.). It can be seen that the micro-transaction payment approval also includes the micro-transaction payment credentials.

The micro-transaction payment receipt can be effectively identified by the settlement intelligent contract to perform consensus calculations such as block chain accounting and the like, and the consensus calculations exceeding the accounting range can be designed through the intelligent contract. Details of the service/goods may also be included in some embodiments.

In step 109, the delivery party (after checking transaction information, such as accumulated payment, without error) stores the current microtransaction information into its microtransaction block chain, where the microtransaction information includes but is not limited to the following information: the micro-transaction data represented by the 4-tuple of the micro-transaction, the micro-transaction payment receipt or the micro-transaction payment certificate and other additional information are stored in a micro-transaction block chain of the delivery party;

in step 111, the method by which the delivery party generates its own macro transaction block is consistent with the method by which the payer generates the macro transaction block in step 106. Because there may be a 1-to-many relationship between the payment and delivery parties, a macro block may contain multiple microtransaction messages to be submitted.

The settlement request is submitted by the delivery party in step 112. The submitted settlement request may include, but is not limited to: the method comprises the following steps of obtaining micro-transaction information of the current time, micro-transaction block chain adding block information of a payer, macro-transaction block chain adding block information of the payer, micro-transaction block chain adding block information of a consignor and macro-transaction block chain adding block information of the consignor. The micro-transaction information comprises the following information: the 4-tuple represents the current microtransaction data and the current microtransaction payment voucher. The new block information may be, but is not limited to, a new block storage certificate.

After being submitted to the clearing chain, either the submitting party (in this embodiment, the payment party) or the payment party may obtain from the clearing chain via blockchain techniques the transaction information that is agreed/confirmed by the intelligent contract/clearing chain.

In this embodiment, a strong consensus is achieved, that is, before settlement, the submitting party and the non-submitting party (in this embodiment, the paying party) have agreed, and the non-submitting party sends a micro-transaction payment receipt to the submitting party, that is, the non-submitting party has signed and approved the information related to the micro-transaction to be submitted for settlement, that is, the non-submitting party confirms whether the information of this round is correct. In other embodiments, a weak consensus implementation may also be employed, where a weak consensus, i.e., non-submitting party, may only issue microtransaction payment credentials, i.e., only make a payment commitment; the non-submitting party can confirm whether the micro-transaction settlement information is correct after the chain, namely, a delayed consensus achievement mode is adopted, namely whether the previous round of settlement information is correct is confirmed in the next round; or, both parties are not required to fully confirm the transaction goods and the promise of payment in one transaction cycle/micro transaction cycle, and can implicitly confirm the transaction by continuing the transaction in the subsequent transaction cycle.

For example, the weak consensus example: and the ith round A provides a piece of goods for B, B pays the acceptance for 1 block for A, A continues to provide a piece of goods for B in the next round, and the acceptance for payment is implicitly confirmed. Strongly consensus examples: the payment acceptance of the B is received by the a, for example, the payment acceptance is signed and then sent to the B.

The above process only exemplifies one process of a micro-transaction payment certificate, a micro-transaction block chain and a macro-transaction block chain and a method for storing the certificate on a settlement chain, and the present invention is not limited to these processes, and any scheme capable of performing the consensus payment on the settlement chain and storing additional information historically generated by both parties while maintaining the association between the authenticity of the historical certificate and the historical payment of the micro-transaction is within the protection scope of the present invention.

It can be seen that after the transaction is divided into a plurality of micro-transactions, the two transaction parties only achieve the consensus on each micro-transaction and the accumulated micro-transaction, and respectively keep the micro-transaction point vouchers (representing payment commitments) achieving the consensus on the own micro-transaction block chain, and do not perform actual settlement or payment operation for each micro-transaction. When the transaction settlement condition is met, submitting the micro-transaction point voucher in the latest state which is commonly recognized by both parties to a settlement chain or an intelligent contract so as to realize real settlement or payment; after the settlement is submitted, the latest microtransaction point voucher is further subjected to multi-party consensus by related technical schemes such as a settlement chain or an intelligent contract, and how to realize the multi-party consensus is not difficult to realize according to the specific adoption of the existing chain technology.

It will be appreciated by those skilled in the art that the transaction is split into multiple micro-transactions, and not a simple refinement of the transaction granularity, according to the above scheme, each micro-transaction record is not directly submitted to the intelligent contract or settlement chain, but is submitted to the intelligent contract or settlement chain to complete the actual settlement or payment when the settlement conditions are met. This does not significantly increase the actual transaction settlement or payment overhead. The settlement or payment costs are greatly reduced compared to mere simple transaction miniaturization.

In addition, it can be seen that the transaction voucher commonly recognized by both parties, i.e. the above-mentioned micro-transaction point voucher/micro-transaction payment voucher, is stored in the micro-transaction block chain of the delivering party and the paying party, so that when the settlement is submitted, it is not necessary to perform one-by-one verification or calculation on the previously accumulated multiple micro-transaction bills, and only the settlement is performed according to the transaction voucher (i.e. the micro-transaction point voucher/micro-transaction payment voucher) of the last micro-transaction when the settlement is submitted, and the increase of the settlement or payment cost possibly caused by the split transaction is also reduced to a certain extent.

In some exemplary embodiments, the transaction settlement submission conditions described in

steps

104 and 110 include: normal submission and abnormal submission, wherein the normal submission specifies a submitter and a submission condition by an intelligent contract; the submission when an exception occurs may be submitted by any party considering the occurrence of the exception, depending on the principle of which the submission of the exception event is beneficial to, and is not difficult to identify in actual implementation. Such as but not limited to the following:

and (4) normal submission: after all micro-transactions of the transaction are executed;

or, after the execution of every N micro-transactions is preset to be finished, submitting the settlement once (N is a preset positive integer);

or when a certain settlement amount is reached.

And (4) exception submission: the payer considers that the payer does not normally send a micro-transaction payment voucher or a micro-transaction payment receipt; or the payer considers that the payer does not normally make the delivery;

or the micro-transaction information has errors, abnormal logic specified by the intelligent contract and the like.

In some exemplary embodiments, other transaction settlement submission conditions may be preset by those skilled in the art based on the above description, and are not limited to the above-mentioned examples.

It can be seen that, in this embodiment, after completing a micro-transaction, the payer and the payer confirm the relevant aspects of the micro-transaction, confirm the delivery of the service or the goods and the corresponding promise of payment, and finally agree on the information of the micro-transaction; wherein the microtransaction information comprises: the micro-transaction quadruplex data and the micro-transaction payment voucher; the microtransaction quadruplet data comprises: payer identification, delivery party identification, micro-transaction identification, transaction identification (i.e., identification of the transaction to which the micro-transaction belongs); the microtransaction payment credential may serve as a microtransaction payment commitment for the payer.

In some exemplary embodiments, for example, the intelligent contract executes the settlement request, and the settlement processing procedure is as shown in fig. 2:

it should be understood that the blockchain is a general technical means, and the settlement request is a transaction sent to the intelligent contract by a submitter for the settlement chain, so the general verification of the transaction by the blockchain is not described in detail below.

Step 201, receiving a settlement request;

step 202, according to the micro-transaction data in the settlement request and the payment (credit) certificate of the payer, after confirming that the signature of the payer is verified to be correct, the corresponding fee is allocated to the payer from the payer; or transfer to a forwarder escrow account in the intelligent contract.

In some exemplary embodiments, step 202 further comprises: step 2011, verifying the associated information certificate in the settlement request: for example: verifying signature validity of a payer micro-transaction block certificate, a payer macro-transaction block certificate, a delivery side micro-transaction block certificate and a delivery side macro-transaction block certificate which are related to micro-transaction payment in the micro-transaction payment certificate. Further, some exemplary embodiments also include a signature correctness check of the microtransaction payment receipt contained in the settlement request, and a correctness check of a re-signature of the microtransaction payment receipt that may be contained.

In some exemplary embodiments, step 202 further comprises: the intelligent contract account clearing process is performed on the closing transaction to perform the timeliness, conditional processing of the contract.

Step 203, judging whether the settlement request contains an identifier of 'ending transaction'; if so, go to step 204; if not, entering the next loop to execute step 201;

and step 204, ending the transaction, and marking the transaction process corresponding to the submission in the intelligent contract to be ended. Once the transaction process, for example, a and a, is finished, the corresponding subsequent submission of this transaction process only deals with the exception.

It can be seen that the creation block and the information on the link of the micro transaction block chain both contain transaction data which are commonly known by both parties and are recorded on the settlement link, so that the data on the micro transaction block chain cannot be tampered. And once the settlement information in the settlement request carries the newly added block information of the macro transaction and the micro transaction point voucher, the micro transaction and the point information which are identified by both parties cannot be colluded and tampered, and the macro transaction information cannot be tampered.

Example two

The present embodiment takes the payer as a preset settlement submitting party as an example.

The present embodiment provides a transaction method, as shown in fig. 1c and 1d, wherein fig. 1c is a processing flow of a payer, fig. 1d is a processing flow of a payer, the transaction method includes,

step 1011, the payer sends the prospective completed microtransaction payment voucher to the delivery party; wherein the expected completed micro-transaction payment credentials are consistent with the micro-transaction payment credentials of step 103 in the first embodiment;

step 1012, after the delivery party checks that the expected finished micro-transaction payment voucher is correct, the delivery party carries out the delivery of the commodity or service of the micro-transaction; the processing by the payer upon receipt of the good or service is described below in step 1016.

Step 1013, the delivery party records the microtransaction information on its own microtransaction block chain, including but not limited to: the 4-tuple represents the micro-transaction data, the micro-transaction payment certificate and other additional information related to the transaction or characteristic information of the additional information.

Step 1014, the delivery party judges whether the settlement submitting condition is satisfied, if not, the step 1012 is returned, namely, the next microtransaction cycle is waited to enter, or the subsequent microtransaction is waited for; if all the microtransactions in one transaction are completed, the process can also be ended here; if so, perform step 1014-2;

at step 1014-2, the delivery party waits for the payer to send a microtransaction payment receipt, the details of which the payer sends the microtransaction payment receipt are described in

steps

1016 and 1017 below. And executing preset exception processing if the waiting time is out.

Step 1015, after receiving the micro-transaction payment receipt, the delivery party generates a new macro-transaction block for recording, signs the micro-transaction payment receipt, the payment party micro-transaction and the macro-transaction new block certificate and sends the signed result to the delivery party, which specifically comprises the following steps:

and after receiving the micro-transaction payment receipt, recording the micro-transaction information and newly generated micro-transaction block information on a macro-transaction chain of the user and generating a new block. That is, recording the current micro-transaction information and the hash value of the new block of the delivery side micro-transaction chain on the macro-transaction chain; or optionally further including other transaction related characteristic values, and a supplementary information field, which may record supplementary information; the payer adds the received micro-transaction payment receipt with the micro-transaction information, the latest block certificate of the micro-transaction block chain and the latest block certificate of the macro-transaction block chain and signs the information and sends the information to the payer, wherein the information is called 'certificate information of the payer and signature information block of the payment receipt', which is called 'signature information block of the payer' for short; that is, the delivery party digitally signs the certificate information and the micro-transaction payment receipt together, and then sends the original information (namely the certificate information and the micro-transaction payment receipt) and the corresponding digital signature (note: the original information and the signature are together called a "delivery party signature information block", not only a string of signature information, but also only a signature string without the original information is not verifiable) to the payment party, wherein the certificate information of the delivery party comprises: the micro-transaction information, the latest block deposit certificate of the self micro-transaction block chain and the latest block deposit certificate of the self macro-transaction block chain. When a payer submits a settlement request, a signature block of information is submitted which is the payer's receipt for payment of the microtransaction and the receipt information, and the settlement process is one-level open verification, which is described in detail in the settlement process. This is a means to ensure that the submitting party cannot alter the other party's submitted information at will.

Step 1016, the payer receives the goods or service corresponding to the micro-transaction, and after confirming that the goods or service is correct, records the micro-transaction information on the micro-transaction chain of the payer to generate a new block and signature micro-transaction completion confirmation document; the payer judges whether a submitting settlement condition is met; if not, the signed micro-transaction completion confirmation certificate (including the confirmation certificate original text and the digital signature of the confirmation certificate) is sent to the payer, and the step 1011 is returned, namely, the next micro-transaction cycle is waited to enter, or the subsequent micro-transaction is waited to be waited for; if all the microtransactions in one transaction are completed, the process can also be ended here; if the submission settlement condition is satisfied, executing step 1017;

it is noted that before step 1015, the payer may perform a predetermined exception handling if the payer does not receive any confirmation of the microtransaction completion due to timeout. If the transaction is a weak consensus (i.e. both parties are not required to completely confirm the transaction goods and the payment acceptance in one round of transaction period/micro-transaction period, and the confirmation can be implicitly confirmed through the continuous transaction of the subsequent transaction period), the payer does not send a micro-transaction completion confirmation evidence to the payer, and the payer can judge through the payment acceptance in the next round of micro-transaction.

Step 1017, the payer records the micro-transaction information and the newly generated micro-transaction block information on the own macro-transaction chain and generates a new block; namely, recording the current micro-transaction information and the hash value of a new block of the delivery side micro-transaction chain on the macro-transaction chain; or optionally further including other transaction related characteristic values, and a supplementary information field, which may record supplementary information; the payer generates the receipt for payment of this micro transaction, and sends it to the payer to wait for the payer to sign again (signature in step 1015), and then enters step 1018.

One optimization scheme is as follows: the following interlocking method is adopted: the payer does not send a payment receipt, but directly sends a payment acceptance in step 1011, and when the payer judges that the submission condition is met in step 1014, a new macro transaction block is generated, and the payment acceptance, the micro transaction newly added block evidence information and the macro transaction newly added block evidence information are signed together and then sent to the payer. The payer generates a new block of the macro transaction of the payer after receiving the new block and submits the new block. The optimization scheme can accelerate the interaction process, and the final submitter is the payer, so that the payer can add the micro transaction chain information and the macro transaction chain information when submitting.

If the delivery party signature information block returned by the delivery party is not received after overtime, executing preset exception processing; if so, step 1018 is performed.

At step 1018, the payer submits a settlement request after receiving the re-signed "payer signature block" (containing the payment receipt, the certificate information and the digital signature) returned by the payer (signature at step 1015).

It can be seen that the embodiment reflects that the payer first issues a promise for payment, then the goods or services corresponding to the payment amount are delivered by the delivery party, and then the delivery party confirms the delivery of the goods or services. That is, the payer and the delivery party confirm the related aspects of the micro transaction in the execution process of the micro transaction, confirm the delivery of the service or the commodity and the corresponding payment acceptance, and finally agree on the information of the micro transaction; wherein the microtransaction information comprises: the micro-transaction quadruplex data and the micro-transaction payment voucher; the microtransaction quadruplet data comprises: a payer identification, a delivery party identification, a micro-transaction identification and an attribution transaction identification; the microtransaction payment credential is a microtransaction payment commitment for the payer.

According to the embodiments, it can be seen that the scheme provided by the embodiments of the present disclosure supports both first delivery and then confirmation of a commitment for payment; it also supports the commitment of payment to be submitted first, then delivered. The preset settlement submitting party may be a payment party or a payment party.

EXAMPLE III

For convenience of explanation, the first payment and the second payment are described by taking the broadband service delivery of P2P as an example (the first payment and the second payment are usually only for the consideration of user experience, and are also only for the sake of simplifying the presentation, respectively, and the present invention is not restricted to this).

P2P broadband service

In a real environment, due to the wireless signal quality and other reasons, a shared Wi-Fi broadband service may not ensure that a consumer obtains an expected result after a service provider charges a fee; in addition, the existence of malicious nodes and malicious users causes the service quality to be the subject of the defects of the users and service providers. The P2P, zero trust case makes the fraud problem more difficult to deal with, whether pay-before-pay or pay-after-pay. By adopting the method of the embodiment of the invention, the delivery process of broadband flow is cut into a large number of micro deliveries, and on the basis that each micro delivery is agreed, the two parties can not lose more than the value of one micro delivery even if the signal quality is poor or the other party is intentionally cheated. When the delivery is cut into microtransactions of very low value, e.g., 1 cent money, a successful fraud is only paid for 1 cent money, and as long as the fraud cost is higher than 1 cent money, the traffic transaction is in fact secured.

The divided (split) micro-transactions increase the transaction amount if direct transfer (settlement submission) is carried out each time, and the delivery cost is high. Moreover, as the number of times of micro-trading consensus increases, the delivery cost will eventually exceed the cost of refusal of delivery, and the differentiation reaches the limit. By adopting the embodiment of the invention, the transaction differentiation degree is theoretically not limited on the premise of not obviously increasing the delivery cost. In this embodiment, the actual settlement is completed by submitting a settlement request to a settlement chain.

The embodiment provides a method for guaranteeing transactions by adopting micro-transactions, a settlement chain is processed in an intelligent contract mode, and practitioners can easily understand that other technologies of a block chain are adopted to achieve the transaction control target of the process.

The mobile phone (consumer, payer) sends a service request to the Wi-Fi AP (server, delivery side), and the request information may include at least one of the following information: the method includes the following steps that (1) payment information of a party (for example, an account number of a consumer on a settlement chain) and signature and service description are macro transaction contract description (for example, when a macro transaction contract is defined by using a smart contract, a smart contract ID and additional information can be provided, the information can be independently found and verified by the consumer, and is not described herein any more), and optionally, terminal information of a mobile phone (for example, a signature key of a terminal and a certificate of the key) and the like are also included;

the service party authenticates the identity of the consumer, such as checking the correctness of a payment account number and a signature on a settlement chain, the payment capability and the credit record of the account number, and the like. Even if necessary, it can be verified that the terminal (for example, hardware identification code, SIM card serial number, MAC address, etc. are identified) is authorized by the user by checking the signing key certificate, etc.;

after passing the authentication, the service party can send out own service information (such as a receipt and payment account number, a credit record, an equipment signature key, an equipment key certificate and the like), and then the AP is connected with the Internet route of the payment party;

the transaction process is as shown in fig. 3, and after the service party starts to provide the broadband service to the mobile phone, the service party includes:

step 301, a service side measures the usage amount (for example, time, traffic, classified traffic, etc.) of a broadband;

step 302, after reaching the usage amount specified by a micro-transaction, sending out a micro-transaction bill to inform the other party to sign and pay the provided micro-service; waiting for a micro-transaction payment voucher of the other party;

step 311, the mobile phone starts to measure the broadband usage amount obtained by the mobile phone after receiving the internet traffic (the same method as the service party);

step 312, after receiving the micro-transaction bill of the service party (or after reaching the usage amount specified in the micro-transaction), confirming the bill of the micro-transaction, generating a micro-transaction payment voucher according to the method of the first embodiment, and generating a new micro-transaction block on the micro-transaction block chain of the service party to store the information of the micro-transaction; or, a new macro transaction block is generated on the macro transaction block chain of the user, and a payment receipt of the micro transaction is generated; wherein, the micro-transaction payment receipt comprises the micro-transaction payment voucher;

step 313, the mobile phone sends a micro-transaction payment voucher or a micro-transaction payment receipt to the service party;

in some exemplary embodiments, the micro-transaction payment credential may be issued in its own metering, or may be denied if the bill exceeds its own calculation.

Step 303, after receiving the micro-transaction payment voucher or the micro-transaction payment receipt and confirming the correctness, the service party generates a new micro-transaction block and a new macro-transaction block according to the embodiment method;

it can be seen that through the above steps, the mobile phone and the service party agree on the micro transaction and the accumulated micro transaction, that is, mutually approve the delivery and the accumulated promise of payment.

Step 320, the service side continuously provides the broadband service, and the mobile phone continuously uses the broadband service;

step 314, the mobile phone finishes the broadband use, informs the service party of the end of the transaction, and sends a micro-transaction payment certificate of the last micro-transaction;

step 325, the service side stops providing the broadband service, and after the service side determines that the micro-transaction payment voucher is correct, the service side generates a new micro-transaction block and a new macro-transaction block of the service side and generates a settlement request;

in step 326, the service side submits the settlement request to a predetermined settlement chain (which sends the settlement request to the predetermined intelligent contract), and the settlement is completed.

In some exemplary embodiments, when the pre-agreed settlement submitting party is the mobile phone, the transaction is ended, and the mobile phone replaces the service party as the executing subject to execute the above steps 325 and 326. In this case, before submitting the settlement request, the mobile phone first receives the micro-transaction payment receipt signed by the server, and the server micro-transaction chain and macro-transaction chain newly added block certificate signed by the server, as shown in embodiment two.

And submitting a settlement request after all micro transactions are finished, wherein a micro transaction block chain of a mobile phone end is shown in fig. 4a, the transaction with the transaction ID of 1 is divided into 1010 micro transactions, the settlement request is submitted only after the last micro transaction is finished, and the micro transaction block chain is shown in fig. 4a, and the settlement request is submitted according to a micro transaction payment voucher of the last micro transaction 1010. Correspondingly, the service party establishes a micro-transaction block chain of the service party and sequentially stores micro-transaction payment certificates corresponding to the micro-transactions, namely the finished point certificates of the micro-transactions achieving consensus.

Optional submission methods are as follows: submitting a settlement request every 1000 micro-transactions, wherein a transaction settlement chain at a mobile phone end is shown in figure 4b, the transaction with the transaction ID of 2 is divided into 9500 micro-transactions, the settlement request is submitted once after every 1000 micro-transactions are finished, a micro-transaction block chain is shown in figure 4b, and the transaction settlement request is submitted according to micro-transaction payment certificates corresponding to the

micro-transactions

1000, 2000, 3000 and … … after the

micro-transactions

1000, 2000, 3000 and … … are finished. Correspondingly, the service party establishes a micro-transaction block chain of the service party and sequentially stores micro-transaction payment certificates corresponding to the micro-transactions, namely the finished point certificates of the micro-transactions achieving consensus.

Example four

The present embodiment provides a settlement method, a flow of which is shown in fig. 5, and the method includes:

the preconditions are as follows: the paying party and the delivering party respectively submit a certain amount of deposit on the transaction chain to the intelligent contract;

step 1201, the payer submits a settlement request to an intelligent contract corresponding to a pre-agreed transaction;

step 1202, the intelligent contract receives a settlement request and judges whether the settlement request contains an identifier of 'transaction ending'; if so, go to step 1203; if not, go to step 1210;

step 1203, checking accounts according to the micro-transaction payment voucher contained in the settlement request, completing settlement in the micro-transaction process, returning the pre-stored deposit to the payer, terminating (ending) the submitted transaction, and waiting for receiving the next settlement request of other transactions;

step 1210, determining the difference value between the amount of money and the amount of money settled at the last time according to the micro-transaction payment voucher in the settlement request; determining a time difference value between the micro-transaction payment voucher signature time and the micro-transaction payment voucher signature time of the last settlement according to the micro-transaction payment voucher signature time in the settlement request;

and judging whether the amount difference is larger than a preset settlement granularity P1 or whether the time difference is larger than a preset settlement time interval threshold T1. If neither is greater (i.e., the amount difference is not greater than the settlement granularity P1 and the time difference is not greater than T1), go to step 1211; if either of the two is greater than (i.e., the amount difference is greater than the settlement granularity P1 or the time difference is greater than T1), go to step 1212;

the granularity P1 in this example is the maximum difference between the amount of the settlement request submitted this time and the amount of the settlement request submitted last time, considering redundancy; for example, the amount of money in the settlement request submitted this time is 8 yuan, and the amount of money in the settlement request submitted last time is 5 yuan; if P1 is 2-dollars, the amount difference is greater than P1; if P1 is a 3-tuple, the amount difference is not greater than P1.

T1 is the maximum allowable uncommitted settlement time with redundancy taken into account;

a step 1211 of performing a settlement according to the settlement request, including debiting according to the microtransaction payment credentials contained in the settlement request; not terminating (not ending) the submitted transaction, waiting for receipt of the next settlement request;

step 1212, calculating a difference between the settlement request initiation time and the microtransaction payment voucher signing time of the settlement request, and determining whether the difference is greater than a preset second time interval threshold T2, where T2 is the maximum tolerance time of the payer not sending the payment acceptance; if yes, go to step 1220; if not, go to step 1211; optionally, before performing step 1211, a certain penalty may be imposed, such as but not limited to deducting a predetermined first amount of penalty from the deposit into the intelligent contract agreement account, and refunding the remaining deposit to the payer;

step 1220, executing settlement according to the settlement request, including making a balance according to the micro-transaction payment voucher contained in the settlement request, and completing the settlement; optionally, some possible penalties may be made in this step, such as but not limited to deducting a predetermined second amount of penalty from the deposit into the intelligent contract agreement account, and refunding the remaining deposit to the payer; the submitted transaction is terminated and the next settlement request for the other transaction is awaited.

The method and the device have the advantages that whether punishment is carried out or not and the specific mode of punishment are not limited, the method and the device can be designed in practical application, and punishment can be carried out in modes of reducing credit degree or credit limit besides deduction of deposit.

In some exemplary embodiments, before step 1202, the method further comprises:

step 1200, the promissory payer is a settlement submitting party, and the payer pays a deposit with a predetermined amount to the intelligent contract before the transaction begins;

step 1201, the delivery party provides the service/goods after confirming the payment of the deposit.

In some exemplary embodiments, if the payer is agreed to be the settlement submitter in step 1200, the payer in the above method is changed to the payer, i.e., the relevant deposit is paid by the payer. The corresponding implementation steps are known to the person skilled in the art.

In other embodiments, it is feasible to divide the deposit in real time each time without paying the deposit, or advance the deposit with credit as a guarantee without paying the deposit, and the specific implementation manner is not limited in the present application.

In some exemplary embodiments, the settlement method may be used to penalize malicious evasive settlement operations.

In some exemplary embodiments, the settlement request is from a payer or a delivery party.

EXAMPLE five

The invention also provides a method of settling a transaction, comprising:

step 1101, the payment party purchases the macro transaction service from the macro transaction intelligent contract;

step 1102, the intelligent contract of the macro transaction allocates a service Token for the payer at a settlement side chain, and sets the validity period of the service Token; the service Token is a Token type on the settlement side chain, and corresponds to a "voucher". The service Token is used to pay for goods/services of the delivery party.

Step 1103. the payer pays for the basic transaction within the macro transaction using the service token.

In some exemplary embodiments, all of the primary transaction payees of the payer are not the payer, but are third parties trusted by the payer;

the payer initiates secondary settlement, the third party verifies the validity of the secondary settlement request and returns the secondary settlement reward to the payer;

the payer extracts the basic transaction fee from the third party according to the rules agreed by the payer and the third party in advance.

EXAMPLE six

Embodiments of the present disclosure also provide a transaction method, including,

splitting the transaction into at least two microtransactions, and executing each microtransaction in sequence;

for each microtransaction, respectively performing the following steps;

during the micro-transaction execution process or after the micro-transaction is completed, the payer and the delivery party carry out the interaction of the information of the micro-transaction so as to achieve consensus on the information of the micro-transaction;

after or during the period of reaching the consensus on the micro-transaction information, the payer and the delivery party respectively generate new blocks on the micro-transaction block chain of the payer and store the micro-transaction information;

when a preset settlement submitting condition is met, a preset submitting party submits a settlement request to settle the completed micro-transaction, wherein the preset submitting party is the payer or the payer;

wherein the microtransaction information comprises: the micro-transaction quadruplet data also comprises a micro-transaction payment voucher or a micro-transaction payment receipt; the microtransaction quadruplet data comprises: a payer identification, a delivery party identification, a micro-transaction identification and an attribution transaction identification; the micro-transaction payment credential is a micro-transaction payment commitment of the payer; the micro-transaction payment credential and the micro-transaction payment callback contain four-tuple data.

In some exemplary embodiments, the interacting of the information of the micro transaction of this time by the payer and the delivery party during the execution of the micro transaction or after the completion of the micro transaction to reach a consensus on the information of the micro transaction of this time includes:

after the delivery party finishes the delivery of the commodity or the service corresponding to the micro-transaction, the delivery party sends a bill of the micro-transaction to the payment party;

after the payer confirms that the micro-transaction bill is correct, generating the micro-transaction payment voucher, and returning the micro-transaction payment voucher or the micro-transaction payment receipt to the payer;

after the payer verifies that the micro-transaction payment voucher or the receipt is correct, the information of the micro-transaction reaches consensus;

or the payer sends a micro-transaction payment certificate expected by the micro-transaction;

after the delivery party confirms that the expected micro-transaction payment voucher is correct, delivering the service or commodity corresponding to the micro-transaction;

and after the payer confirms the service or commodity delivery, the micro-transaction information reaches consensus.

In some exemplary embodiments, the microtransaction payment credentials include:

the cumulative amount of all completed or expected completed microtransactions with payer signatures.

In some exemplary embodiments, the preset settlement submitting condition includes:

when all micro transactions included in the transaction are executed completely, or when a preset number of micro transactions are completed, or when micro transactions with a preset proportion in the transaction are completed, or when a preset settlement amount threshold value is reached, or when the transaction is abnormal.

The settlement submitting conditions can be designed according to requirements and actual conditions, and the settlement submitting conditions are not limited by the application.

In some exemplary embodiments, after the micro-transaction information is agreed, the payer and the deliverer each save the supplementary information added by the payer or the deliverer in the new block generated by the block chain of the micro-transaction.

The supplementary information may include information related to the transaction, such as a transaction location, transaction evaluation, goods/services experience, and the like; information unrelated to the transaction but actively linked by the user to the microtransaction may also be included, such as weather, mood, event information around, and the like. And is not limited to a particular information content. These additional information appended to the microtransaction process via the checkout chain endorsements cannot be altered once written to the microtransaction blockchain. This information, which reflects seemingly unrelated disorder in the transaction history process, would provide information that is not subsequently counterfeitable in related big data applications. For example, the weather condition of a certain place at a certain time can be analyzed through the information, the historical credibility of the transaction subject of each microtransaction, the related records and credibility of other transaction subjects around the microtransaction are analyzed, and the current situation can be confirmed with a high probability.

In some exemplary embodiments, when the preset settlement submitting condition is satisfied, before the preset settlement submitting party submits a settlement request to settle the completed microtransaction, the method further comprises,

the paying party and the delivering party respectively generate own macro transaction blocks and add the macro transaction blocks into respective macro transaction block chains;

the macro transaction block comprises the following information: micro-transaction information of the micro-transaction and the latest evidence storage information of the micro-transaction block, such as a hash value; or, the macro transaction block comprises the following information: the hash value of the micro-transaction information of the micro-transaction and the evidence-storing information, such as the hash value, of the latest micro-transaction block.

In some exemplary embodiments, the macro transaction block further includes supplementary information added by the payer or the delivery party. It can be seen that this additional information appended to the microtransaction process via the chain of settlement endorsements cannot be altered once written to the macrocransaction blockchain. This information, which reflects seemingly unrelated disorder in the transaction history process, would provide information that is not subsequently counterfeitable in related big data applications. For example, the weather condition of a certain place at a certain time can be analyzed through the information, the historical credibility of the transaction subject of the macro transaction chain of each micro transaction, and the related records and credibility of other transaction subjects around the macro transaction chain can be analyzed, and the current situation can be confirmed with a high probability. The macro transaction block also contains other transaction entities that are strongly related to the subject micro transaction, and therefore, this information provides important relevance information in big data based information systems.

In some exemplary embodiments, the pre-set settlement submitter submitting a settlement request to settle the completed microtransaction, comprising:

the preset settlement submitting direction submits the settlement request to settle the completed micro-transaction by a predetermined intelligent contract;

wherein, the settlement request comprises the following data:

the micro-transaction information, the payer's micro-transaction blockchain added block information, the payer's macro-transaction blockchain added block information, the payer's micro-transaction blockchain added block information and the payer's macro-transaction blockchain added block information.

In the embodiment of the present disclosure, the process of the two parties of the transaction agreeing on the micro transaction refers to the related records of the first or second embodiment, which are not repeated herein.

EXAMPLE seven

The embodiment of the present disclosure further provides a transaction method, applied to a payer, as shown in fig. 6, including:

executing each microtransaction in turn;

for each microtransaction, the following steps are performed:

601, during the execution process of the micro transaction or after the micro transaction is completed, interacting the information of the micro transaction with another party (a payment party) of the transaction so as to achieve consensus on the information of the micro transaction;

step 602, after the micro transaction information is agreed (or during the agreement), generating a new block on the micro transaction block chain of the user (payer) to store the micro transaction information;

step 603, when the preset settlement submitting condition is met, judging whether the user is a preset settlement submitting party, if so, executing step 604, submitting a settlement request to settle the completed micro-transaction, and then waiting for the next micro-transaction cycle; if not, it directly waits for the next microtransaction cycle to be entered.

Wherein each microtransaction belongs to the same transaction; the transaction splitting obtains at least two micro transactions;

the microtransaction information includes: microtransaction quad data and microtransaction payment credentials (or microtransaction payment receipt); the microtransaction quadruplet data comprises: a payer identification, a delivery party identification, a micro-transaction identification and an attribution transaction identification; the micro-transaction payment credential is a micro-transaction payment commitment of a payer.

In some exemplary embodiments, when the preset settlement submitting condition is met, the method further includes generating a macro transaction block chain in which the macro transaction block joins itself (payer);

the macro transaction block comprises the following information: the micro-transaction information (or the hash value thereof) of the micro-transaction and the block evidence information of the micro-transaction block chain of the micro-transaction, such as the block hash value or various URLs (uniform resource locators) recording the block and even the block information itself.

In some exemplary embodiments, the macro transaction block further includes: supplementary information.

The supplementary information may include information related to the transaction, such as a transaction location, transaction evaluation, goods/services experience, and the like; information unrelated to the transaction but actively linked by the user to the macro transaction may also be included, such as weather, mood, event information around, and the like.

Example eight

The embodiment of the present disclosure further provides a transaction method, applied to a payer, including:

executing each microtransaction in turn;

for each microtransaction, the following steps are performed:

601, during the execution process of the micro transaction or after the micro transaction is completed, interacting the information of the micro transaction with another party (paying party) of the transaction so as to achieve consensus on the information of the micro transaction;

step 602, after the micro-transaction information is agreed (or during the agreement), generating a new block on the micro-transaction block chain of the user (the payer) to store the micro-transaction information;

the macro transaction block comprises the following information: micro-transaction information of the micro-transaction and a block hash value of a self micro-transaction block chain; or, the macro transaction block comprises the following information: the hash value of the micro-transaction information of the micro-transaction and the block hash value of the block chain of the micro-transaction.

Example nine

The embodiment provides a strongly-consensus settlement method, namely, the information to be submitted by the non-submitter is determined before the submission of the current round, and the submission is unsuccessful when the information is changed.

In other embodiments, a weakly consensus settlement approach may also be employed, without cross-signing by the submitter and non-submitter, i.e.: the certificate storage information in the settlement request submitted by the submitting party does not need to be signed by the non-submitting party, so that the wrong certificate storage information is not necessarily rejected after being submitted in the current round, and can be found by the non-submitting party after being recorded in the settlement chain; this settlement method is also possible.

The settlement method provided by this embodiment is shown in fig. 7, and includes:

step 701, receiving a settlement request;

step 702, settling funds according to the micro-transaction information included in the settlement request.

In some exemplary embodiments, step 702 comprises: according to the micro-transaction quadruple data in the micro-transaction information and a micro-transaction payment (point) certificate (or a micro-transaction payment receipt), after the signature in the micro-transaction payment (point) certificate of the payer is verified to be correct, the corresponding fee is allocated to the payer from the payer; or transfer to a forwarder escrow account in the intelligent contract.

In some exemplary embodiments, the settlement request further includes: an "end transaction" identification; accordingly, after step 702, the settlement method further comprises,

step 703, determining whether the settlement request includes the "end transaction" identifier, if so, executing step 704, and if not, continuing to wait for next receiving of the settlement request.

Step 704, transaction state processing.

In some exemplary embodiments, step 704 includes marking the end of the transaction process in a smart contract or settlement chain. Once the transaction process, for example, a and a, is finished, the corresponding subsequent submission of this transaction process only deals with the exception.

In some exemplary embodiments, after step 703, and before step 704, other clearing processes are included. Other clearing processes may include making related deposits, offers, fines or rewards, etc. The specific processing steps or procedures may be determined according to business requirements or rules, and are not limited to specific aspects.

In some exemplary embodiments, the settlement request further includes: the certificate-holding information of the non-settlement submitting party and the digital signature of the certificate-holding information by the non-settlement submitting party.

Wherein, the certificate storing information comprises: the micro-transaction payment credential, the latest blockchain credit (such as but not limited to a blockhash value) of the micro-transaction blockchain of the non-settlement submitter, and the latest blockchain credit (such as but not limited to a blockhash value) of the macro-transaction blockchain of the non-settlement submitter;

accordingly, before step 702, the settlement method further comprises:

step 7011, verifying the certificate information in the settlement request; if the verification is passed, the step 702 is continued; and if the verification fails, exception handling is carried out.

In some exemplary embodiments, step 7011 comprises:

and verifying the deposit certificate information signed by the non-settlement submitting party in the settlement request according to the micro-transaction payment voucher included in the settlement request, the micro-transaction block chain added block information of the non-settlement submitting party and the macro-transaction block chain added block information of the non-settlement submitting party included in the settlement request.

In some exemplary embodiments, the acquisition process of the information involved in the verification is as follows: and if the preset settlement submitting party is the paying party, the non-settlement submitting party is the paying party. Referring to example one, step 107 the payer generates a payer signed microtransaction payment receipt back to the payer.

Wherein the microtransaction payment receipt includes: signed information { Tx (A- > B: x), Ext, TB, MB } and digital signature-sign { Tx (A- > B: x), Ext, TB, MB }, representing signatures of payers for these information, Tx being a current micro-transaction payment certificate, A representing payor account information, B representing payor account information, x representing an amount of money, Ext being any additional information or its characteristic value such as a hash value, TB being a micro-transaction blockchain latest blockchain deposit certificate (e.g., a block hash value), and MB being a macro-transaction blockchain latest blockchain deposit certificate. Namely, the payer signs the verification information needing verification and verification of the settlement chain or the intelligent contract and returns the verification information to the payer through the micro-transaction payment receipt.

Wherein, deposit the evidence information and include: the payment certificate of the micro transaction, the latest block certificate of the payment party micro transaction block chain and the latest block certificate of the payment party macro transaction block chain.

I.e., step 107 in one embodiment, the payer sends the credentialing information and a digital signature of the credentialing information to the payer via a microtransaction payment receipt.

The settlement request submitted by the payer includes: the micro-transaction payment receipt, the micro-transaction block chain added block certificate information (such as a block hash value) of the self side and the macro-transaction block chain added block certificate information (such as a block hash value) of the delivery side. The micro-transaction information (a) comprises a payment recovery authority, the micro-transaction block chain adding block information (b) of the payer comprises a payment recovery authority, the macro-transaction block chain adding block information (c) of the payer comprises a signature(s) of the payer to the information (a, b, c, payment certificate) in the payment recovery authority, the micro-transaction block chain adding block information (d) of the delivery party and the macro-transaction block chain adding block information (e) of the delivery party.

The settlement request submitted by the supplier also includes a digital signature (g) of all the above information, i.e. the supplier submits the settlement application in the form of a blockchain transaction, so that it signs the information contained in the transaction. Usually, the part of signature checking work is completed by a settlement chain.

Accordingly, in step 7011, the information a, b, and c are checked to see if they are correct according to the signature information of the payer in the payback and the information a, b, and c, and then it is determined whether they correspond to the micro-transaction submitted this time according to the information a.

It can be seen that a, b, c are the preset settlement information submitted by the submitter at last and protected by the signature of the non-settlement submitter, and can be verified through s; and g is the information of the signature of all the above information when the settlement submitting party submits the settlement request, and the blockchain transaction usually requires the submitting party to sign the transaction information, so the g in the optimization scheme can be replaced by the submitted blockchain transaction signature. Execution of step 7011 may ensure that the relevant settlement information submitted by the settlement submitter to the chain of settlement or intelligent contracts, which will be validated and credited by the chain of settlement or intelligent contracts, is consistent with the crediting information submitted by the non-settlement submitter. It can be seen that performing the verification step of step 7011 can ensure that the settlement information to be credited is not altered by the settlement submission method.

In some exemplary embodiments, the predetermined settlement submitter is the payer, and the non-settlement submitter is the payer. Referring to the second embodiment, the payer generates the certificate information and signs the certificate together with the micro-transaction payment receipt received from the payer in step 1015, and returns the result to the payer.

Wherein the certificate storage information (h) of the delivery party includes: the micro-transaction information, the latest block deposit certificate of the delivery side micro-transaction block chain and the latest block deposit certificate of the delivery side macro-transaction chain.

That is, in step 1015 of the second embodiment, the payer signs the deposit certificate information (h) together with the micro-transaction payment receipt, and sends the obtained digital signature (i) together with the information itself to the payer, and the information is verified by the third party (the party performing the settlement) in step 7011 of the settlement method, and then the settlement of the fund can be performed. This ensures that the information that the non-settlement submitting party wants to deposit can be submitted to the settlement chain or a third party for deposit by a settlement request.

The settlement request submitted by the payer includes: "delivery party signature information block". The micro-transaction information (a) is contained in the payment receipt, the micro-transaction block chain adding block information (b) of the payer is contained in the micro-transaction payment receipt, the macro-transaction block chain adding block information (c) of the payer is contained in the micro-transaction payment receipt, the micro-transaction block chain adding block information (d) of the payer is contained in the delivery party signature information block, and the macro-transaction block chain adding block information (e) of the delivery party is contained in the delivery party signature information block.

The "payer signature information block" in the settlement request submitted by the payer includes the above-mentioned certificate information (h) (h includes a, d, e) and the corresponding digital signature (i).

The check-signing work of the settlement request submitted by the payer in the form of blockchain transaction to the information submitted by the payer in the form of settlement chain transaction is usually completed by the settlement chain, and is not described herein again.

Accordingly, in step 7011, it is verified whether the h information comes from the payer according to the signature information i in the payer signature information block, and whether the payment receipt is signed by the payer is verified according to the signature information i. And verifying whether the a, b and c are correct or not according to the payer signature in the payment receipt. And judging whether the information corresponds to the micro transaction submitted at this time according to the information a.

It can be seen that a, b, c are the preset settlement information submitted by the settlement submitter, while h, i are the information submitted and signed by the non-settlement submitters. Execution of step 7011 may ensure that the relevant settlement information submitted by the settlement submitter to the chain of settlement or intelligent contracts, which will be validated and credited by the chain of settlement or intelligent contracts, is consistent with the crediting information submitted by the non-settlement submitter. It can be seen that performing the verification step of step 7011 can ensure that the settlement information to be credited is not altered by the settlement submission method.

A transaction method provided by an embodiment of the present disclosure is shown in fig. 8, and includes:

s110, carrying out multiple micro-transactions included in the transaction in sequence; in each micro-transaction, the payer generates a micro-transaction payment voucher serving as a payment acceptance and sends the payment voucher to the payer; wherein the microtransaction payment credential is a payer-signed microtransaction credit, the microtransaction credit being a credit of an amount of all microtransactions confirmed or expected to be completed by at least a payer in the transaction;

s120, when a preset settlement condition is met, submitting settlement requests for a plurality of completed but uncommitted microtransactions by a submitting party, wherein the settlement requests at least carry microtransaction information;

wherein the microtransaction information includes the microtransaction payment credentials and microtransaction data; the microtransaction data includes an identification of the payer, the microtransaction, and a transaction to which the microtransaction belongs; the submitter is the payer or the payer, namely one of the two transaction parties is the submitter, and the other is the non-submitter.

Optionally, the method further comprises generating, by the payer, a microtransaction payment credential for use as a payment commitment, the sending to the payer comprising:

Optionally, the settlement request further includes respective blockchain credit information of the payer and the payer.

Optionally, before the submitting party submits the settlement request for the plurality of completed but uncommitted microtransactions, the submitting party further comprises:

Optionally, the micro-transaction information and/or the macro-transaction information further include: additional information, and/or characteristic information of the additional information.

Optionally, the transaction method further comprises:

The disclosed implementation also provides a settlement method applied to a settlement chain or an intelligent contract, which comprises the steps of receiving the settlement request submitted in the transaction method;

An embodiment of the present disclosure further provides an electronic device, including a memory and a processor, where the memory stores a computer program, and the processor is configured to read and run the computer program to perform any one of the above transaction or settlement methods.

Embodiments of the present disclosure also provide a computer storage medium having a computer program stored therein, wherein the computer program is configured to execute any of the above-mentioned transaction or settlement methods when executed.

It can be seen that the embodiments of the present disclosure provide a transaction method, apparatus and storage medium, which guarantee delivery and settlement of transaction targets by splitting transactions into micro-transactions; reducing the number of blockchain transactions on the resulting unnecessary settlement chain by a settlement request submission method; forming macro transaction information by associating the micro transaction information; the micro-and macro-transaction information and any additional information may be recorded on the local micro-transaction blockchain and/or macro-transaction blockchain of transaction participants; by submitting the related information to a settlement chain to endorse the local micro transaction chain and macro transaction chain information, the block chain related mechanism is utilized to ensure the delivery and payment of the transaction and simultaneously to reliably deposit the information. This information, which is reliably stored, can be further utilized by other big data analysis or application systems to gain beneficial value.

The embodiment of the disclosure also provides a settlement method, a settlement device and a storage medium, which ensure that the information required by both parties of the transaction can be reliably stored by further expanding the submitted information in the settlement request.

It will be understood by those of ordinary skill in the art that all or some of the steps of the methods, systems, functional modules/units in the devices disclosed above may be implemented as software, firmware, hardware, and suitable combinations thereof. In a hardware implementation, the division between functional modules/units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component may have multiple functions, or one function or step may be performed by several physical components in cooperation. Some or all of the components may be implemented as software executed by a processor, such as a digital signal processor or microprocessor, or as hardware, or as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on computer readable media, which may include computer storage media (or non-transitory media) and communication media (or transitory media). The term computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data, as is well known to those of ordinary skill in the art. Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, Digital Versatile Disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can accessed by a computer. In addition, communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media as known to those skilled in the art.

Claims

1. A method of trading, comprising:

2. The transaction method of claim 1, wherein the microtransaction integral is:

3. The transaction method of claim 1, wherein the payer generates a microtransaction payment credential for use as a payment commitment, the sending to the payer includes:

4. The transaction method of claim 3, wherein the settlement request further includes respective blockchain credit information for the payer and the payer.

5. The transaction method of claim 4, wherein the submitting party further comprises, prior to submitting settlement requests for the completed but uncommitted plurality of microtransactions:

6. The transaction method of claim 5, wherein the non-submitting party signing the microtransaction payment credential together with its blockchain credentialing information and sending it to the submitting party comprises:

7. The transaction method of claim 4, wherein the blockchain credentialing information comprises: the certificate storing information of the newly added block of the micro transaction chain and the certificate storing information of the newly added block of the macro transaction chain;

8. The transaction method according to claim 7, wherein the micro-transaction information and/or the macro-transaction information further comprises: additional information, and/or characteristic information of the additional information.

9. The transaction method of claim 7, further comprising:

10. A settlement method, applied to a chain of settlement or an intelligent contract, comprising,

receiving the settlement request submitted in the transaction method according to any one of claims 1 to 9;

11. The settlement method according to claim 10, wherein the settlement request includes the micro-transaction data, the result of the payer signing the micro-transaction payment credential together with the payer's blockchain credit information; the payer adds the micro-transaction payment credential to the blockchain credit card information of the payer to carry out signature; before the submitting party submits the settlement request, the non-submitting party signs the micro-transaction payment certificate and the block chain deposit certificate information of the non-submitting party and then sends the micro-transaction payment certificate and the block chain deposit certificate information to the submitting party;

12. An electronic device comprising a memory and a processor, wherein the memory has stored therein a computer program, the processor being arranged to run the computer program to perform the transaction method of any of claims 1-9; alternatively, the processor is arranged to run the computer program to perform the settlement method of claim 10 or 11.

13. A computer storage medium, in which a computer program is stored, wherein the computer program is arranged to execute the transaction method according to any one of claims 1-9, or the settlement method according to claim 10 or 11 when running.