CN113643014A

CN113643014A - Block chain-based transaction management method, apparatus, device, medium, and program

Info

Publication number: CN113643014A
Application number: CN202110924728.3A
Authority: CN
Inventors: 马丽忠; 王舒榕; 杨毅; 肖凯
Original assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Current assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Priority date: 2021-08-12
Filing date: 2021-08-12
Publication date: 2021-11-12
Anticipated expiration: 2041-08-12
Also published as: CN113643014B

Abstract

The disclosure provides a transaction management method based on a block chain, which can be applied to the technical field of the block chain. The transaction management method comprises the following steps: obtaining a plurality of transactions, each transaction comprising a first commercial bank for performing a first transaction operation; a first commercial bank that draws each transaction; for each first commercial bank, counting the transactions of the first transaction operation executed by the first commercial bank to obtain a first transaction set corresponding to the first commercial bank; for each first transaction set, sending a first transaction instruction to a corresponding first commercial bank; the first transaction instruction is configured to enable the first commercial bank to execute a first transaction operation and feed back an operation result of the first transaction operation; and updating the state of the transaction corresponding to the operation result and stored in the account book according to the operation result. The present disclosure also provides a blockchain-based transaction management apparatus, device, medium, and program product.

Description

Block chain-based transaction management method, apparatus, device, medium, and program

Technical Field

The present disclosure relates to the field of blockchains, and in particular, to a method and an apparatus for transaction management based on blockchains, an electronic device, a readable storage medium, and a program product.

Background

At present, fund flow among enterprises is realized through a payment clearing system among banks, information flow for recording the fund flow is dispersed in the hands of each enterprise, the consistency between the actual condition (fund flow) of the fund flow and the information flow is difficult to ensure, and the information flow has the risk of being tampered in the fund flow process.

At present, how to ensure the consistency of the fund flow and the information flow is a technical problem to be solved urgently.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a blockchain-based transaction management method, apparatus, electronic device, readable storage medium, and program product capable of ensuring consistency between a fund flow and an information flow.

According to a first aspect of the present disclosure, there is provided a blockchain-based transaction management method, including:

obtaining a plurality of transactions, each transaction comprising a first commercial bank for performing a first transaction operation;

storing the multiple transactions into an account book of a blockchain, and extracting the first commercial bank of each transaction;

for each extracted first commercial bank, counting the transactions which are executed by the first commercial bank from the multiple transactions, and extracting the transactions in a to-be-executed state from the transactions to obtain a first transaction set corresponding to the first commercial bank;

for each of the first transaction sets, sending a first transaction instruction to the first commercial bank to which the first transaction set corresponds; the first transaction instruction is configured to enable the first commercial bank to execute the first transaction operation according to the transactions in the first transaction set and the first transaction instruction, and feed back an operation result of the first transaction operation;

and updating the state of the transaction corresponding to the operation result and stored in the account book according to the operation result.

According to an embodiment of the present disclosure, the transaction management method further includes a step of generating the multiple transactions, the step of generating the multiple transactions including:

acquiring a fund transfer requirement, wherein the fund transfer requirement comprises a plurality of accounts involved in the fund transfer process;

determining a fund flow sequence among the accounts according to preset configuration information;

generating the plurality of transactions according to the fund flow sequence and the plurality of accounts, wherein each transaction comprises a plurality of accounts, and the plurality of accounts in each transaction comprise a payment account and a collection account.

According to the embodiment of the disclosure, for N transactions generated according to the same fund flow requirement in the multiple transactions, the nth transaction further comprises a preamble transaction;

for each extracted first commercial bank, counting the transactions of the first transaction operation executed by the first commercial bank from the multiple transactions, and extracting the transactions in a state to be executed from the transactions to obtain a first transaction set corresponding to the first commercial bank, wherein the steps comprise:

and for the nth transaction, when the preorder transaction of the nth transaction is in a transaction completion state, determining that the nth transaction is in a to-be-executed state, wherein N is more than 1 and less than or equal to N, and both N and N are positive integers.

According to an embodiment of the present disclosure, the first transaction instruction comprises a payment instruction, the first transaction operation comprises a payment operation, each transaction further comprises a transaction amount;

said step of sending, for each of said first set of transactions, a first transaction instruction to said first commercial bank to which that first set of transactions corresponds comprises:

sending the payment instruction to the first commercial bank, the payment instruction configured to:

the first commercial bank is enabled to obtain the payment account, the collection account and the transaction amount of each transaction in the first transaction set, the payment operation is executed according to the payment account, the collection account and the transaction amount of each transaction in the first transaction set, and the result of the payment operation is used as the operation result of the first transaction operation.

According to an embodiment of the present disclosure, the step of updating, according to the operation result, the state of the transaction stored in the ledger and corresponding to the operation result includes:

when the payment operation is successful, updating the state of the transaction corresponding to the payment operation into a payment completion state;

and generating a display signal, wherein the display signal is configured to enable a display device to display the current state of each transaction in the plurality of transactions according to the display signal.

According to an embodiment of the disclosure, each of the plurality of transactions further comprises a second commercial bank for performing a second transaction operation, the transaction management method further comprising:

(ii) the second commercial bank that extracted each transaction;

acquiring the transaction in a payment completion state in the multiple transactions to obtain a second transaction set;

for each extracted second commercial bank, counting out the transactions of the second transaction operation executed by the second commercial bank from the second transaction set to obtain a third transaction set corresponding to the second commercial bank;

for each of the third transaction sets, sending a second transaction instruction to the second commercial bank to which the third transaction set corresponds; the second transaction instructions are configured to cause the second commercial bank to perform the second transaction operations according to each transaction in the third transaction set and the second transaction instructions.

According to an embodiment of the present disclosure, each transaction of the plurality of transactions includes a collection account and a transaction amount, the second transaction instruction includes a collection confirmation instruction, and the second transaction operation includes a collection confirmation operation;

for each of the third transaction sets, sending a second transaction instruction to the second commercial bank to which the third transaction set corresponds comprises:

sending the collection confirmation instruction to the second commercial bank, the collection confirmation instruction configured to: enabling the second commercial bank to execute the collection confirmation operation so as to acquire and feed back collection information of the collection account of each transaction in the third transaction set;

determining the transaction corresponding to the collection information according to the collection information, and judging whether the collection information is matched with the transaction amount in the transaction;

and when the collection information is matched with the transaction amount in the transaction, updating the state of the transaction into a transaction completion state.

A second aspect of the present disclosure provides a blockchain-based transaction management apparatus, including:

an acquisition module for acquiring a plurality of transactions, each transaction including a first commercial bank for performing a first transaction operation;

the extraction module is used for storing the multiple transactions into an account book of a block chain and extracting a first commercial bank of each transaction;

the transaction set establishing module is used for counting the transactions which are executed by the first commercial bank from the multiple transactions for each first commercial bank, and extracting the transactions in a to-be-executed state from the transactions to obtain a first transaction set corresponding to the first commercial bank;

the sending module is used for sending a first transaction instruction to a first commercial bank corresponding to each first transaction set; the first transaction instruction is configured to enable the first commercial bank to execute the first transaction operation according to the transactions in the first transaction set and the first transaction instruction, and feed back an operation result of the first transaction operation;

and the updating module is used for updating the transaction state corresponding to the operation result and stored in the account book according to the operation result.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the transaction management method described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the transaction management method described above.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the transaction management method described above.

One or more of the above-described embodiments may provide the following advantages or benefits:

the state and the change of the state of each transaction in the ledger are recorded, and the states comprise payment, payment completion, collection completion and the like, so that the ledger stores the complete information flow of funds in the circulation process. And the state of each transaction in the account book is updated according to the execution result of the first commercial bank, and meanwhile, the data in the account book is ensured not to be falsified through the characteristics of the block chain, so that the information flow recorded in the account book is consistent with the actual condition of the fund in the circulation process, and the fund circulation safety is improved.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario diagram of a blockchain based transaction management method, apparatus, electronic device, readable storage medium and program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a blockchain based transaction management method according to an embodiment of the present disclosure;

fig. 3 schematically shows a schematic diagram of an interaction process of a blockchain based transaction management method according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow diagram for generating a plurality of transactions, according to an embodiment of the disclosure;

FIG. 5a schematically illustrates a flow diagram for extracting a transaction in a pending execution state according to an embodiment of the present disclosure;

FIG. 5b schematically shows a flow chart for sending a first transaction instruction according to an embodiment of the present disclosure;

FIG. 5c schematically shows a flow chart of updating the status of a transaction according to an embodiment of the present disclosure;

FIG. 6 schematically shows a flow chart for sending a second transaction instruction according to an embodiment of the disclosure;

FIG. 7 schematically illustrates a flow chart for sending a second transaction instruction according to an embodiment of the disclosure;

fig. 8 schematically shows a block diagram of a block chain based transaction management device according to an embodiment of the present disclosure;

fig. 9 schematically illustrates a block diagram of an electronic device adapted to implement a blockchain based transaction management method according to an embodiment of the present disclosure.

Detailed Description

To facilitate understanding of the aspects of the embodiments of the present application, a brief introduction of related concepts is first given as follows:

first, the blockchain technique.

The blockchain technique, also called distributed ledger technique, is an emerging technique for a plurality of computing devices to jointly participate in "accounting" (i.e. recording transaction data), and to jointly maintain a complete distributed database. The blockchain technology has been widely used in many fields due to its characteristics of decentralization (i.e., no central node), transparency of disclosure, participation of each computing device in database recording, and rapid data synchronization among computing devices.

Currently, the blockchain can be divided into: public and federation chains. Public chain refers to a blockchain that can be read by any device worldwide or a blockchain that can be used by any device to participate in a consensus verification process of a transaction. A federation chain, also called a community block chain (consortium block chains), refers to a federation formed by participating members of a specified block chain, and information about business transactions between the members is recorded in the block chain, which defines the size and right of use. The deployment mode of the block chain of the embodiment of the disclosure may adopt a federation chain.

Second, blockchain nodes.

The blockchain in the embodiments of the present disclosure may also be referred to as a blockchain system. The blockchain system in the embodiments of the present disclosure includes a plurality of blockchain nodes (hereinafter, may be simply referred to as nodes). The node is a device having a communication function and a storage function, such as a device storing block chain data. Each node may receive information and may generate information. Communication and data synchronization is maintained between different nodes by maintaining a common blockchain. Specifically, in the blockchain system, any node may generate new blockchain data according to data related to a transaction sent by a client, and distribute the new blockchain data to other nodes in a broadcast manner, and the other nodes may verify the blockchain data. When all nodes in the blockchain system agree, new blockchain data can be added to the blockchain.

Alternatively, the node in the embodiments of the present disclosure may be understood as a processing unit. In one implementation, a node may be a physical device, such as a server or a computer. In another implementation, the node may be a virtual computer; the virtual machine is a general term for a running environment virtualized by software in all types of virtualization devices, and the concept includes a virtual machine and a container. In other implementations, a node in embodiments of the present disclosure may be a process or a thread; the thread is the minimum unit which can be operated and scheduled by the operating system, is contained in the process and is the actual operation unit in the process; a process is a running activity of a program in a computer on a certain data set, and is a basic unit for resource allocation and scheduling of a system.

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.

The embodiment of the disclosure provides a transaction management method based on a block chain, which includes: a plurality of transactions are obtained, each transaction including a first commercial bank for performing a first transaction operation. Multiple transactions are stored into the ledger of the blockchain and the first commercial bank for each transaction is extracted. And for each extracted first commercial bank, counting the transactions of the first transaction operation executed by the first commercial bank from the plurality of transactions, and extracting the transactions in a to-be-executed state from the transactions to obtain a first transaction set corresponding to the first commercial bank. For each first transaction set, first transaction instructions are sent to a first commercial bank corresponding to the first transaction set. The first transaction instruction is configured to enable the first commercial bank to execute a first transaction operation according to the transactions in the first transaction set and the first transaction instruction, and feed back an operation result of the first transaction operation. And updating the state of the transaction corresponding to the operation result and stored in the account book according to the operation result.

By adopting the block chain-based transaction management method of the embodiment of the disclosure, the state and the change of the state of each transaction in the account book are recorded, and the states include, for example, in payment completion, in collection completion and the like, so that the complete information flow of funds in the circulation process is stored in the account book. And the state of each transaction in the account book is updated according to the execution result of the first commercial bank, and meanwhile, the data in the account book is ensured not to be falsified through the characteristics of the block chain, so that the information flow recorded in the account book is consistent with the actual condition of the fund in the circulation process, and the fund circulation safety is improved.

Fig. 1 schematically illustrates an application scenario diagram of a blockchain-based transaction management method, apparatus, electronic device, readable storage medium, and program product according to an embodiment of the present disclosure.

As shown in fig. 1, an application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the transaction management method based on blockchain provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the blockchain-based transaction management apparatus provided by the embodiments of the present disclosure may be generally disposed in the server 105. The blockchain-based transaction management method provided by the embodiments of the present disclosure may also be performed by a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the transaction management device based on the blockchain provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The block chain based transaction management method of the disclosed embodiment will be described in detail by fig. 2 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flow chart of a blockchain based transaction management method according to an embodiment of the present disclosure. As shown in fig. 2, the transaction management method of this embodiment includes steps S210 to S250.

In step S210, the blockchain obtains a plurality of transactions, each transaction including a first commercial bank for performing a first transaction operation.

In embodiments of the present disclosure, a "transaction" may refer to a transaction activity in the business domain, such as payment, collection, and the like. Multiple businesses and multiple commercial banks may participate in a blockchain as nodes of the blockchain. After one of the enterprises requests for fund transfer, a plurality of transactions can be generated through the enterprise platform, for example, the first company is a general packet company, the second company is a sub-packet company, the third company is a material supplier, and the fund transfer request can include the request of the first company for purchasing materials. The enterprise platform may upload multiple transactions to the blockchain by invoking a preconfigured smart contract. Besides uploading multiple transactions to the blockchain, the enterprise platform may also update and query the content in the ledger by calling the intelligent contract.

The first transaction operation may be a payment operation, a transfer operation, or other transaction operations as will occur to those of skill in the art. Optionally, in an embodiment of the present disclosure, the first transaction operation is embodied as a payment operation. The first commercial bank is also a bank for making a payment, for example, the company a makes a payment to the company b through the bank a, which is the first commercial bank of the embodiment of the present disclosure.

In step S220, the blockchain stores multiple transactions into the ledger of the blockchain, and extracts the first commercial bank of each transaction.

In step S230, for each extracted first commercial bank, the blockchain counts, from the multiple transactions, transactions for which the first commercial bank executes the first transaction operation, and extracts the transactions in the to-be-executed state from the transactions, so as to obtain a first transaction set corresponding to the first commercial bank.

In the embodiment of the present disclosure, the plurality of transactions may be first transaction operations respectively performed by different first commercial banks, for example, the plurality of transactions includes transaction X, transaction Y, and transaction Z, the transaction X and transaction Z perform a payment operation by bank a, and the transaction Y performs a payment operation by bank B. The first transaction set counted for bank a includes transaction X and transaction Z, and the first transaction set counted for bank B includes transaction Y. After the first transaction set corresponding to each bank is counted by each bank, the multiple transactions of the bank may be processed in batch in step S240, and specific contents will be described in detail later, which is not described herein again. Each transaction in the multiple transactions may include various states of waiting, waiting to be executed, and completing execution, which may be determined according to actual needs, and is not limited herein. Optionally, in this embodiment of the present disclosure, the states of at least two transactions in the multiple transactions may be associated with each other, for example, the multiple transactions include two transactions, a previous transaction is default to be executed before the previous transaction is executed, when the state of a subsequent transaction is determined, the state of the previous transaction may be obtained, and when the previous transaction is not executed yet, it is determined that the subsequent transaction is in a waiting state; when the execution of the previous transaction is completed, the next transaction is determined to be in a state to be executed.

Optionally, in the embodiment of the present disclosure, for each first commercial bank, in addition to extracting the first transaction set, the total number of transactions, the total amount of transactions, and the like may be counted, which may be determined according to actual needs, and is not limited herein.

At step S240, for each first transaction set, the blockchain sends a first transaction instruction to the first commercial bank corresponding to the first transaction set. The first transaction instruction is configured to enable the first commercial bank to execute a first transaction operation according to the transactions in the first transaction set and the first transaction instruction, and feed back an operation result of the first transaction operation.

In the embodiment of the disclosure, the address information of the first commercial bank corresponding to the first transaction instruction may be included in the first transaction instruction, so that the blockchain may send the first transaction instruction to the first commercial bank corresponding to the first transaction instruction according to the address information. In the embodiment of the disclosure, the first transaction instruction may correspond to each transaction in the first transaction set one by one, and the first commercial bank may obtain, in response to the first transaction instruction, transaction content of one transaction corresponding to the first transaction instruction from the first transaction set, where the transaction content may include a payment account, a collection account, a transaction amount, and the like. The first merchant bank may perform a first transaction operation, such as a payment operation, based on the transaction content. The first merchant bank returns the operation results to the blockchain after performing the first transaction operation, for example, the operation results may include a payment success or a payment failure.

In step S250, the blockchain updates the state of the transaction stored in the ledger and corresponding to the operation result according to the operation result.

In the embodiment of the present disclosure, the status and the change of the status of each transaction in the ledger are recorded, and the status includes, for example, during payment completion, during collection, and after collection completion, so that the ledger stores the complete information flow of funds in the circulation process. And the state of each transaction in the account book is updated according to the operation result of the first commercial bank, and meanwhile, the data in the account book is ensured not to be falsified through the characteristics of the block chain, so that the information flow recorded in the account book is consistent with the actual condition of the fund in the circulation process, and the fund circulation safety is improved. Moreover, the state change of each transaction is recorded through the block chain, and each enterprise participating in fund transfer can check the state of each transaction, so that each transaction in the fund transfer process is public and transparent, data sharing is realized, and fund supervision is facilitated.

The method for block chain based transaction management provided by the embodiment of the present disclosure is further described below with reference to fig. 1 to 7.

Fig. 3 schematically shows a schematic diagram of an interaction process of a blockchain-based transaction management method according to an embodiment of the present disclosure. As shown in fig. 3, the interacting party of the embodiment of the present disclosure includes an enterprise platform, a blockchain and each commercial bank, where the enterprise platform and the blockchain are used to execute the blockchain-based transaction management method of the embodiment of the present disclosure, and both the enterprise platform and the blockchain may be deployed in the server 105.

In embodiments of the present disclosure, various enterprises may participate in a blockchain through an enterprise platform. The enterprise platform can generate a plurality of corresponding transactions according to the fund flow requirement provided by the enterprise, and the transactions are uploaded to the block chain by calling an intelligent contract. The enterprise platform may also perform approval management and management of relevant information for the transactions before uploading the plurality of transactions to the blockchain. In addition, the enterprise platform can manage the enterprises, such as registration, login, logout and the like.

FIG. 4 schematically shows a flow diagram for generating a plurality of transactions according to an embodiment of the disclosure.

As shown in fig. 4, in some embodiments, the transaction management method further includes a step of generating a plurality of transactions, and the step of generating a plurality of transactions includes steps S310 to S330.

At step S310, the enterprise platform obtains a funds transfer requirement, which includes a plurality of accounts involved in the transfer of funds.

In the embodiment of the present disclosure, the multiple accounts involved in the fund transfer process may refer to multiple enterprise accounts involved in the fund transfer process, or may refer to multiple individual accounts involved in the fund transfer process, which may be determined according to actual needs, and is not limited herein. For example, company A is a general packet company, company B is a subcontractor, company C is a material supplier, the fund flow requirement comprises the requirement (hereinafter referred to as fund flow requirement D) made by company A for purchasing materials, and the fund flow requirement relates to an account of company A, an account of company B and an account of public and private C in the process of circulation. For another example, the dispatcher party is dispatched to the company for work by the dispatcher company, the fund flow requirement comprises the requirement (hereinafter referred to as fund flow requirement E) made by the company A for issuing wages to the dispatcher party, and the fund relates to the account of the company, the account of the company E and the account of the dispatcher party in the process of the fund flow.

In step S320, the enterprise platform determines a fund transfer sequence between the accounts according to the preset configuration information.

At step S330, the enterprise platform generates a plurality of transactions according to the fund flow order and the plurality of accounts, wherein each transaction includes a plurality of accounts, and the plurality of accounts in each transaction includes a payment account and a collection account.

In the embodiment of the present disclosure, the preset configuration information may be determined according to actual needs, for example, for the fund transfer demand D, the transfer sequence of the fund is an account of company a, an account of company b, and an account of company c. At this time, two transactions can be generated, wherein the first transaction comprises an account of the company A and an account of the company B, the account of the company A is a payment account, and the account of the company B is a collection account; the second transaction includes an account of company b and an account of company c, wherein the account of company b is a payment account and the account of company c is a collection account.

It should be noted that, in the embodiment of the present disclosure, the payment account refers to an account opened in a first commercial bank by a business or an individual who wants to pay, and the collection account may be an account opened in the first commercial bank by the business or the individual who wants to collect, or an account opened in another commercial bank by the business or the individual, which is determined according to actual needs, and is not limited herein.

Fig. 5a schematically shows a flow chart for extracting a transaction in a pending execution state according to an embodiment of the present disclosure. As shown in fig. 5a, in some embodiments, for N transactions generated according to the same fund flow requirement in multiple transactions, the nth transaction further includes a preceding transaction. Step S230 includes step S231.

In step S231, for the nth transaction, when the preamble transaction of the nth transaction is in the transaction complete state, the blockchain determines that the nth transaction is in the to-be-executed state, where N is greater than 1 and less than or equal to N, and N are positive integers.

As described above, for the funds transfer requirement D, the first transaction is the payment from company A to company B, and the second transaction (i.e., the nth transaction) is the payment from company B to company C. The first transaction is a preorder transaction of a second transaction, the second transaction comprises identification information of the first transaction, when the block chain judges the state of the second transaction, the first transaction can be found from the book according to the identification information of the first transaction, whether the first transaction is in a transaction completion state or not is judged, if yes, the second transaction is determined to be in a to-be-executed state, and if not, the second transaction is determined to be in a waiting state.

In the embodiment of the present disclosure, the ledger stores a plurality of transactions, which may be generated according to different fund flow requirements, for example, a part of the transactions is generated according to the fund flow requirement D, and another part is generated according to the fund flow requirement E.

Optionally, in this disclosure, step S230 may be periodically executed according to a preset time interval, so that a plurality of transactions generated according to different fund flow requirements and stored in the ledger can be batch-operated. For example, in the first cycle, the first set of transactions obtained through step S230 includes transactions D1 generated according to the demand for funds flow D and transactions E1 generated according to the demand for funds flow E. At this time, the first transaction instruction may be transmitted to the first commercial bank corresponding to the transaction d1 and the transaction e1 at step S240, so that the first commercial bank can perform the first transaction operation on the two transactions.

It should be noted that, in the embodiment of the present disclosure, each transaction may further include a subsequent transaction, so that multiple transactions generated according to the same fund circulation requirement are related in a front-back manner, and a chain of the fund in the circulation process is clear and transparent.

In some embodiments, the first transaction instructions include payment instructions, the first transaction operations include payment operations, and each transaction further includes a transaction amount. Fig. 5b schematically shows a flow chart for sending a first transaction instruction according to an embodiment of the present disclosure. As shown in fig. 3 and 5b, step S240 includes step S241.

At step S241, the blockchain sends a payment instruction to the first commercial bank. The payment instructions are configured to: and enabling the first commercial bank to acquire the payment account, the collection account and the transaction amount of each transaction in the first transaction set, executing a payment operation according to the payment account, the collection account and the transaction amount of each transaction in the first transaction set, and taking the result of the payment operation as the operation result of the first transaction operation.

In the embodiment of the disclosure, after sending the payment instruction to the first commercial bank, the blockchain may determine whether the payment instruction is successfully sent, and if so, the blockchain may update the state of one transaction corresponding to the payment instruction to the notified payment. Optionally, in this embodiment of the present disclosure, when the state of any transaction stored in the ledger changes, the blockchain may send a notification of change of transaction state to the enterprise platform; if not, the reason description of the transmission failure can be acquired, and the reason description is used for generating prompt information or carrying out follow-up operation such as re-prompting.

In the embodiment of the present disclosure, a corresponding transaction adaptation module may be deployed in the first commercial bank, and the transaction adaptation module may be capable of acquiring a payment instruction, and may acquire, in response to the payment instruction, transaction content of one transaction corresponding to the payment instruction, that is, a payment account, a collection account, a transaction amount, and the like in the foregoing from the first transaction set. The transaction adaptation module can also send the acquired transaction content to a core transaction module of the first commercial bank, and the core transaction module can pay from a payment account to a collection account according to the transaction amount so as to execute payment operation. The transaction adaptation module can also acquire an operation result of the core transaction module executing the first transaction operation, and feed back the operation result to the blockchain.

Fig. 5c schematically shows a flow chart of updating the status of a transaction according to an embodiment of the present disclosure. As shown in fig. 5c, in some embodiments, step S250 includes steps S251 to S253.

In step S251, the blockchain determines whether the payment operation is successful. When the payment operation is successful, step S252 is executed, and when the payment operation fails, a description of the reason of the failure may be obtained for generating a prompt message or performing a re-submission subsequently.

In step S252, the blockchain updates the status of the transaction corresponding to the payment result to a payment completed status.

In step S253, the blockchain generates a display signal configured to enable the display device to display a current status of each transaction of the plurality of transactions according to the display signal.

In the embodiment of the present disclosure, in addition to displaying the current state of each transaction, information related to state change, such as an initiator, an execution time, and the like, may be displayed, and may be specifically determined according to actual needs, which is not limited herein.

Fig. 6 schematically shows a flow chart for sending a second transaction instruction according to an embodiment of the disclosure. As shown in fig. 6, each transaction of the plurality of transactions further includes a second commercial bank for performing a second transaction operation, and the transaction management method further includes steps S410 to S440.

In step S410, the blockchain retrieves the second commercial bank for each transaction.

In the disclosed embodiment, the second transaction operation may include a confirmation operation corresponding to the first transaction operation, for example, when the first transaction operation is a payment operation, the second transaction operation is a receipt confirmation operation; when the first transaction operation is a payment operation, the second transaction operation is a payment receipt confirmation operation and the like. Optionally, in this embodiment of the present disclosure, the second transaction operation is a collection confirmation operation, and the second commercial bank may be a commercial bank that collects the collection in the transaction, that is, a commercial bank where the collection account is located.

In step S420, the blockchain obtains the transaction in the payment completed state from the plurality of transactions to obtain a second transaction set.

In the disclosed embodiment, as described above, in step S252, after the payment of the first commercial bank is successful, the blockchain updates the status of the transaction to the payment completed status. Alternatively, in the embodiment of the present disclosure, step S420 may be periodically performed according to a preset time interval. When it is determined that one of the multiple transactions is in the payment completed state, step S430 and step S440 are executed to send a second transaction instruction to the corresponding second commercial bank, so that the second commercial bank can perform a second transaction operation on the multiple transactions in batch.

In step S430, for each extracted second commercial bank, the transactions for performing the second transaction operation by the second commercial bank are counted from the second transaction set to obtain a third transaction set corresponding to the second commercial bank.

In the embodiment of the present disclosure, the multiple transactions may be second transaction operations performed by different second commercial banks, for example, the multiple transactions include transaction X, transaction Y, and transaction Z, where transaction X and transaction Z are paid by bank a to bank B, and for transaction X and transaction Z, bank a is the first commercial bank, bank B is the second commercial bank, and a third transaction set of bank B is formed by transaction X and transaction Z. And the transaction Y is paid from the bank B to the bank C, and for the transaction Y, the bank B is a first commercial bank, the bank C is a second commercial bank, and the transaction Y forms a third transaction set of the bank C.

Optionally, in this embodiment of the disclosure, for each second commercial bank, in addition to extracting the third transaction set, the total number of transactions, the total amount of transactions, and the like may be counted, which may be determined according to actual needs, and is not limited herein.

At step S440, for each third transaction set, the blockchain sends a second transaction instruction to a second commercial bank corresponding to the third transaction set. The second transaction instructions are configured to cause a second commercial bank to perform a second transaction operation according to each transaction in the third transaction set and the second transaction instructions.

In some embodiments, the second transaction instruction comprises a receipt confirmation instruction and the second transaction operation comprises a receipt confirmation operation. Fig. 7 schematically shows a flow chart for sending a second transaction instruction according to an embodiment of the disclosure. As shown in fig. 3 and 7, step S440 includes steps S441 to S445.

In step S441, the blockchain sends a receipt confirmation instruction to the second commercial bank, the receipt confirmation instruction configured to: and enabling the second commercial bank to execute collection confirmation operation so as to acquire and feed back collection information of collection accounts of each transaction in the third transaction set.

In the embodiment of the disclosure, after sending the collection confirmation instruction to the second commercial bank, the blockchain may determine whether the collection confirmation instruction is successfully sent, and if so, the blockchain may update the state of a transaction corresponding to the collection confirmation to be notified of the collection confirmation; if not, the reason description of the transmission failure can be acquired, and the reason description is used for generating prompt information or carrying out follow-up operation such as re-prompting.

In the embodiment of the present disclosure, the payment acceptance confirmation instruction corresponds to the transaction in the third transaction set one by one, and the transaction adaptation module disposed in the first commercial bank may further obtain the payment acceptance confirmation instruction, and can respond to the payment acceptance confirmation instruction to obtain the transaction content of one transaction, such as a payment account, corresponding to the payment acceptance confirmation instruction from the third transaction set. The transaction adaptation module can also send the acquired transaction content to a core transaction module of a second commercial bank, so that the core transaction module can inquire the recent fund flow of the collection account to execute collection confirmation operation and feed back the fund flow to the transaction adaptation module. The transaction adaptation module can also feed back fund flow as collection information to the block chain.

In step S442, the blockchain obtains the collection information fed back by the second commercial bank.

In step S443, the blockchain determines a transaction corresponding to the receipt information according to the receipt information.

In step S444, the blockchain determines whether the receipt information matches the transaction amount of the transaction, i.e., whether the receipt amount matches the payment amount. When the collection information matches the transaction amount in the transaction, step S445 is executed, and when the collection information does not match the transaction amount in the transaction, a corresponding prompt message may be generated and the collection confirmation failure is notified.

In step S445, the status of the transaction is updated to a transaction complete status.

It should be noted that, in other embodiments, the second commercial bank may determine whether the collection of the transaction data is successful through the core transaction module, so that the second commercial bank may directly feed back the collection result, and the blockchain updates the state of the corresponding transaction according to the collection result fed back by the second commercial bank.

In this disclosure, the above method steps may be repeatedly executed according to a preset period, so that each transaction stored in the ledger includes: the complete information flow of 'waiting-to-be-executed-payment completion-payment confirmation-transaction completion' is realized, and the state of each transaction is associated with the actual operation of the commercial bank, so that the consistency of the information flow and the fund flow is ensured. Moreover, the transaction management method of the embodiment of the disclosure can support the financial business fields such as total sub-package, purchasing, financial settlement of labor companies and payroll distribution of enterprises, and has a wide application scene.

Based on the transaction management method based on the block chain, the disclosure also provides a transaction management device based on the block chain. The apparatus will be described in detail below with reference to fig. 8.

Fig. 8 schematically shows a block diagram of a block chain based transaction management device according to an embodiment of the present disclosure.

As shown in fig. 8, the blockchain-based transaction management apparatus 800 of this embodiment includes: an obtaining module 810, an extracting module 820, a transaction set establishing module 830, a sending module 840, and an updating module 850.

An acquisition module 810 is configured to acquire a plurality of transactions, each transaction including a first commercial bank configured to perform a first transaction operation. In an embodiment, the obtaining module 810 may be configured to perform the step S210 described above, which is not described herein again.

The extraction module 820 is used for storing a plurality of transactions into the ledger of the blockchain and extracting the first commercial bank of each transaction. In an embodiment, the extracting module 820 may be configured to perform the step S220 described above, which is not described herein again.

The transaction set establishing module 830 is configured to count, for each first commercial bank, transactions that are executed by the first commercial bank from among the multiple transactions, and extract a transaction in a to-be-executed state from the transactions, so as to obtain a first transaction set corresponding to the first commercial bank. In an embodiment, the transaction set establishing module 830 may be configured to perform the step S230 described above, which is not described herein again.

A sending module 840, configured to send, for each first transaction set, a first transaction instruction to a first commercial bank corresponding to the first transaction set. The first transaction instruction is configured to enable the first commercial bank to execute a first transaction operation according to the transactions in the first transaction set and the first transaction instruction, and to feed back an operation result of the first transaction operation. In an embodiment, the sending module 840 may be configured to perform the step S240 described above, which is not described herein again.

And an updating module 850, configured to update, according to the operation result, a state of the transaction stored in the ledger, where the state corresponds to the operation result. In an embodiment, the updating module 850 may be configured to perform the step S250 described above, which is not described herein again.

By adopting the transaction management device based on the blockchain, the state change of each transaction is recorded through the blockchain, for example, during payment, payment completion, collection and collection completion. Each enterprise participating in fund transfer can check the state of each transaction, so that each transaction in the fund transfer process is public and transparent, and data can be prevented from being tampered through a consensus mechanism of a block chain, so that the consistency of information flow and fund flow is ensured, and the safety of fund transfer is improved.

According to an embodiment of the present disclosure, any multiple of the obtaining module 810, the extracting module 820, the transaction set establishing module 830, the sending module 840, and the updating module 850 may be combined and implemented in one module, or any one of the modules may be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the obtaining module 810, the extracting module 820, the transaction set establishing module 830, the sending module 840 and the updating module 850 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware and firmware, or implemented by a suitable combination of any of them. Alternatively, at least one of the obtaining module 810, the extracting module 820, the transaction set establishing module 830, the sending module 840 and the updating module 850 may be at least partially implemented as a computer program module, which when executed may perform a corresponding function.

As shown in fig. 9, an electronic apparatus 900 according to an embodiment of the present disclosure includes a processor 901 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. Processor 901 can comprise, for example, a general purpose microprocessor (e.g., a CPU), a first instruction set processor and/or related chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic apparatus 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the program may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input section 906 including a keyboard, mouse, and the like. Including an output portion 907 such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker and the like. A storage section 908 including a hard disk and the like. And a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be embodied in the devices/apparatuses/systems described in the above embodiments. Or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the blockchain-based transaction management method provided by the embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 902 and/or the RAM 903 described above and/or one or more memories other than the ROM 902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the transaction management method based on the blockchain provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A transaction management method based on a blockchain is characterized by comprising the following steps:

2. The transaction management method of claim 1, further comprising the step of generating the plurality of transactions, the step of generating the plurality of transactions comprising:

3. The transaction management method according to claim 2, wherein for N transactions among the plurality of transactions generated according to the same fund flow requirement, the nth transaction further comprises a preceding transaction;

4. The transaction management method of claim 2, wherein the first transaction instruction comprises a payment instruction, the first transaction operation comprises a payment operation, each transaction further comprises a transaction amount;

5. The transaction management method according to claim 4, wherein the step of updating, in accordance with the operation result, the state of the transaction stored in the ledger in accordance with the operation result includes:

6. The transaction management method of claim 1, wherein each of the plurality of transactions further comprises a second commercial bank for performing a second transaction operation, the transaction management method further comprising:

(ii) the second commercial bank that extracted each transaction;

7. The transaction management method of claim 6, wherein each of the plurality of transactions comprises a collection account and a transaction amount, the second transaction instructions comprise collection confirmation instructions, and the second transaction operations comprise collection confirmation operations;

8. A blockchain-based transaction management apparatus, comprising:

9. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the transaction management method of any of claims 1 to 7.

10. A computer readable storage medium having stored thereon executable instructions, wherein the instructions, when executed by a processor, cause the processor to perform a transaction management method according to any one of claims 1 to 7.

11. A computer program product comprising a computer program, wherein the computer program, when executed by a processor, implements a transaction management method according to any of claims 1 to 7.