CN115271696A - Alliance chain-based account splitting method and device and electronic equipment - Google Patents
Alliance chain-based account splitting method and device and electronic equipment Download PDFInfo
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Abstract
The invention provides a method and a device for splitting accounts based on a alliance chain and electronic equipment, and relates to the technical field of payment transaction, wherein a block chain settlement system receives a payment request initiated by a user through a B2B platform of the block chain payment system and records the payment request; a bank end of the block chain payment system sends a bank electronic account verification request to a user based on the payment request; recording the verification result of the bank electronic account through a block link computing system; and the bank end of the block chain payment system completes the accounting based on the bank electronic verification result returned by the user and records the accounting result through the block chain calculation system. The method and the system provide a compliant, safe, convenient and efficient payment settlement system for the B2B platform enterprise of the block chain payment system, so that the problems of online large-amount payment, fund flow and ticket tax consistency among the B2B platform enterprises of the block chain payment system are solved, and the payment settlement service requirement of the B2B platform of the block chain payment system is met.
Description
Technical Field
The invention relates to the technical field of payment transactions, in particular to a method and a device for splitting accounts based on a federation chain and electronic equipment.
Background
According to the regulations, the B2B e-commerce platform without a payment license plate cannot be used for 'second-clearing' settlement, and in order to meet the regulation of a supervision department, most B2B e-commerce platforms mostly adopt the following three ways to carry out inter-enterprise online payment and settlement: 1. directly connecting the bank and the enterprise, performing system integration on a B2B platform with a payment license plate and a bank, and directly performing the revolution and revolution account of the B2B enterprises through a bank account; 2. docking a third party B2B payment platform with a payment license plate; 3. and adopting an offline payment scene.
In the practical use process, the above mode has some problems: 1. through direct connection of bank and enterprise, the B2B platform with the payment license plate and a bank are subjected to system integration, a special account-separating and payment system needs to be developed, and the cost is high and the operation is complex for a common B2B platform; 2. the enterprise pays and settles accounts through a third party payment platform butted with the B2B platform, so that the commission is high, and the T +1 settlement problem also exists; 3. through the third party payment platform, the fund flow and the invoice flow paid on the B2B platform between enterprises are often inconsistent, and the trade authenticity proof is difficult to form.
Therefore, an account splitting method and device based on a federation chain and an electronic device are provided.
Disclosure of Invention
The specification provides an account splitting method, an account splitting device and electronic equipment based on a alliance chain, and provides a compliant, safe, convenient and efficient payment and settlement system for an enterprise of a B2B platform of a block chain computing system, so that the problems of large online payment, fund flow and ticket tax consistency among enterprises of the B2B platform of the block chain settlement system are solved, and the payment and settlement service requirements of the B2B platform of the block chain computing system are met.
The present specification provides an accounting method based on a federation chain, where the federation chain includes a block-chain computing system, a B2B platform of the block-chain computing system, and a bank end of the block-chain computing system, which are associated with each other, and the method includes:
the block chain settlement system receives a payment request initiated by a user through a B2B platform of the block chain settlement system, and encrypts and chains the payment request;
the block chain settlement system sends the payment request to a bank end of the block chain settlement system;
the bank end of the block chain settlement system sends a bank electronic account verification request to the user based on the payment request, and records the bank electronic account verification request through the block chain settlement system;
the bank end of the block chain settlement system receives the bank electronic account verification result returned by the user, and records the bank electronic account verification result through the block chain settlement system;
the bank end of the block chain settlement system judges whether the bank electronic account verification result returned by the user is consistent with the payment request;
when the bank end of the block chain settlement system judges that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain settlement system completes the accounting based on the bank electronic account verification result returned by the user, and records the accounting result through the block chain settlement system.
Optionally, the sending, by the bank end of the blockchain settlement system, a bank electronic account verification request to the user based on the payment request, and recording, by the blockchain settlement system, the bank electronic account verification request includes:
a bank end of the blockchain settlement system receives the payment request, wherein the payment request comprises a blockchain digital identity of the user;
the bank end of the block chain settlement system determines whether a target account exists through the block chain calculation system, wherein the target account comprises an enterprise electronic account which is in mapping relation with the block chain digital identity of the user;
when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, the bank end of the block chain settlement system sends an electronic account verification request to the target account based on the payment request, and records the electronic account verification request through the block chain settlement system.
Optionally, the determining, by the bank side of the blockchain settlement system, whether the verification result of the bank electronic account returned by the user is consistent with the payment request includes:
the bank electronic account verification result returned by the user comprises the enterprise electronic account and user confirmation information returned;
the payment request further includes transaction information;
the bank end of the block chain settlement system determines whether the returned enterprise electronic account is consistent with the target account through the block chain calculation system;
when the bank end of the block chain settlement system determines that the returned enterprise electronic account is consistent with the target account through the block chain calculation system, the bank end of the block chain calculation system judges whether the user confirmation information is consistent with the transaction information.
Optionally, when the bank end of the block chain settlement system determines that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain settlement system completes the branch account based on the bank electronic account verification result returned by the user, and records the branch account result through the block chain settlement system, further including:
and when the bank terminal of the block chain settlement system judges that the bank electronic account verification result returned by the user is inconsistent with the payment request, the payment request is terminated.
Optionally, when the bank end of the block chain settlement system determines that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain settlement system completes the branch account based on the bank electronic account verification result returned by the user, and records the branch account result through the block chain settlement system, the method includes:
the block chain settlement system automatically initiates account checking request information based on the account separating result and records the account checking request information;
and the bank end of the block chain settlement system sends a payment receipt to the block chain settlement system in real time based on the account checking request information, and records the payment receipt through the block chain calculation system.
Optionally, after the bank end of the block chain settlement system sends a payment receipt to the block chain settlement system in real time based on the reconciliation request information, and records the payment receipt through the block chain calculation system, the method includes:
the alliance chain further comprises an invoice platform which is mutually related to the block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain settlement system;
the block link computing system receives an invoice verification request initiated by a user and records the invoice verification request;
the block chain settlement system judges whether the invoice verification request is consistent with the recorded payment receipt;
when the block chain settlement system judges that the invoice verification request is consistent with the recorded payment receipt, the invoice platform generates an invoice based on the invoice verification request and records the invoice;
and the invoice platform sends the invoice to the user through the block link calculation system.
The present specification provides an account splitting apparatus based on a federation chain, where the federation chain includes a block chain computing system, a B2B platform of the block chain computing system, and a bank end of the block chain computing system, which are associated with each other, and the apparatus includes:
the payment request module is used for receiving a payment request initiated by a user through a B2B platform of the block-linked computing system by the block-linked computing system and encrypting and linking the payment request;
the sending request module is used for sending the payment request to a bank end of the block chain settlement system by the block chain settlement system;
the verification request module is used for sending a bank electronic account verification request to a user by a bank end of the block chain settlement system based on the payment request and recording the bank electronic account verification request through the block chain settlement system;
the return result module is used for receiving a bank electronic account verification result returned by a user by a bank end of the block chain settlement system and recording the bank electronic account verification result through the block chain settlement system;
the first judgment module is used for judging whether the bank electronic account verification result returned by the user is consistent with the payment request or not by the bank end of the block chain settlement system;
and the account completion and accounting module is used for completing account division by the bank end of the block chain accounting system based on the bank electronic verification result returned by the user when the bank end of the block chain accounting system judges that the bank electronic account verification result returned by the user is consistent with the payment request, and recording the account division result through the block chain accounting system.
Optionally, the verification request module includes:
a receiving unit, configured to receive the payment request by a bank of the blockchain settlement system, where the payment request includes a blockchain digital identity of a user;
the determining unit is used for determining whether a target account exists or not by a bank end of the block chain computing system through the block chain computing system, wherein the target account comprises an enterprise electronic account in a block chain digital identity mapping relation with the user;
and the verification unit is used for sending an electronic account verification request to the target account by the bank end of the block chain settlement system based on the payment request when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, and recording the bank electronic account verification request through the block chain settlement system.
Optionally, the first determining module includes:
the bank electronic account verification result returned by the user comprises the enterprise electronic account and user confirmation information returned;
the payment request further includes transaction information;
the first judgment unit is used for the bank end of the block chain settlement system to determine whether the returned enterprise electronic account is consistent with the target account through the block chain calculation system;
a second determining unit, configured to, when the bank end of the block chain settlement system determines, through the block chain computing system, that the returned enterprise electronic account is consistent with the target account, determine, by the bank end of the block chain computing system, whether the user confirmation information is consistent with the transaction information.
Optionally, the complete component account module further includes:
and when the bank terminal of the block chain settlement system judges that the bank electronic account verification result returned by the user is inconsistent with the payment request, the payment request is terminated.
Optionally, after the component accounting module is completed, the method includes:
the account checking request module is used for the block chain settlement system to automatically initiate account checking request information based on the account separating result and record the account checking request information;
and the payment receipt module is used for sending a payment receipt to the block chain settlement system in real time by a bank end of the block chain settlement system based on the account checking request information and recording the payment receipt through the block chain calculation system.
Optionally, after the payment receipt module, the method includes:
the alliance chain further comprises an invoice platform which is mutually related to the block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain settlement system;
the invoice verification module is used for receiving an invoice verification request initiated by a user by the block link computing system and recording the invoice verification request;
the second judgment module is used for judging whether the invoice verification request is consistent with the recorded payment receipt or not by the block link calculation system;
the invoice generation module is used for generating an invoice based on the invoice verification request and recording the invoice when the block chain settlement system judges that the invoice verification request is consistent with the recorded payment receipt;
and the invoice sending module is used for sending the invoice to the user by the invoice platform through the block link calculation system.
The present specification also provides an electronic device, wherein the electronic device includes:
a processor; and the number of the first and second groups,
a memory storing computer-executable instructions that, when executed, cause the processor to perform any of the methods described above.
The present specification also provides a computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement any of the methods described above.
In this specification, key information such as a B2B platform, a bank, an invoice and the like is subjected to on-chain butt joint by using a alliance chain technology, and a compliant, safe, convenient and efficient payment and settlement system is provided for enterprises of the B2B platform, so that the problems of on-line large-amount payment, fund flow and ticket tax consistency among the enterprises of the B2B platform are solved, and the payment and settlement service requirements of the B2B platform are met.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
FIG. 1 is a schematic diagram illustrating a federation chain-based accounting method according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a federation chain-based ledger apparatus provided in an embodiment of the present specification;
fig. 3 is a schematic structural diagram of an electronic device provided in an embodiment of the present disclosure;
fig. 4 is a schematic diagram of a computer-readable medium provided in an embodiment of the present specification.
Detailed Description
The following description is presented to disclose the invention so as to enable any person skilled in the art to practice the invention. The preferred embodiments described below are by way of example only, and other obvious variations will occur to those skilled in the art. The basic principles of the invention, as defined in the following description, may be applied to other embodiments, variations, modifications, equivalents, and other technical solutions without departing from the spirit and scope of the invention.
Exemplary embodiments of the present invention are described more fully below with reference to the accompanying figures 1-4. The exemplary embodiments, however, may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. The same reference numerals denote the same or similar elements, components, or parts in the drawings, and thus their repetitive description will be omitted.
Features, structures, characteristics or other details described in a particular embodiment do not preclude the fact that the features, structures, characteristics or other details may be combined in a suitable manner in one or more other embodiments in accordance with the technical idea of the invention.
In describing particular embodiments, the present invention has been described with reference to features, structures, characteristics or other details that are within the purview of one skilled in the art to provide a thorough understanding of the embodiments. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific features, structures, characteristics, or other details.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The term "and/or" and/or "includes all combinations of any one or more of the associated listed items.
Fig. 1 is a schematic diagram of a principle of an accounting method based on a federation chain provided in an embodiment of the present specification, where the federation chain includes a block-linked computing system, a B2B platform of the block-linked computing system, and a bank end of the block-linked computing system, which are associated with each other, and includes:
s110: the block chain settlement system receives a payment request initiated by a user through a B2B platform of the block chain settlement system, and encrypts and chains the payment request;
in the embodiments of the present specification, based on the block chain basic capability and the payment settlement service consensus, the block chain computing system, the B2B platform, the bank end, and the like respectively construct respective block chain nodes, and construct a B2B payment settlement alliance chain around the relevant parties of the block chain computing system, the B2B platform, the bank end, and the like of the payment settlement service, thereby implementing account book synchronization between the nodes, and respectively implementing an interface between the B2B platform and the block chain computing system, and an interface between the block chain computing system and the bank end.
B2B platform registers in block link computing system, including but not limited to digital identity information, basic information, user system information, etc. of B2B platform; the B2B platform opens a bank electronic account (a general sub account) through a bank terminal, and information such as the general account information, the transaction payment rule, the reconciliation rule and the like of the B2B platform is encrypted and linked.
A user registers on a B2B platform, and a block link calculation system registers on a user information link, wherein the user information link comprises user basic information, digital identity information of a B2B platform user and the like; and the user applies for opening the information of the electronic account of the user bank, and the user account is designated as a user sub-account under the general sub-account of the B2B platform, and the electronic account of the user bank is encrypted to be linked.
The block chain settlement system is used for receiving electronic account information of a user bank, making a hardware digital wallet for transaction, encrypting and chaining the hardware digital wallet information, making an intelligent contract of an on-chain account mapping relation of the block chain calculation system, automatically binding and associating the hardware digital wallet information (for payment confirmation), the electronic account information (for payment) of the user bank and a digital identity (for transaction) of the user block chain in the B2B platform, and encrypting and chaining the mapping information.
The user initiates a transaction on the B2B platform, a payment request is initiated through the block link computing system, the block link computing system encrypts the uplink payment request, and the payment request comprises a transaction serial number, a block link digital identity of a transaction payment user on the B2B platform, a block link digital identity of a transaction income user and the like.
S120: the block chain settlement system sends the payment request to a bank end of the block chain settlement system;
s130: the bank end of the block chain settlement system sends a bank electronic account verification request to a user based on the payment request, and records the bank electronic account verification request through the block chain settlement system;
in a specific embodiment of the present specification, the step S130 includes:
a bank end of the blockchain settlement system receives the payment request, wherein the payment request comprises a blockchain digital identity of the user;
the bank end of the block chain settlement system determines whether a target account exists through the block chain calculation system, wherein the target account comprises a user electronic account in a block chain digital identity mapping relation with the user;
when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, the bank end of the block chain settlement system sends an electronic account verification request to the target account based on the payment request, and records the electronic account verification request through the block chain settlement system.
In a specific embodiment of the present specification, the block link computing system sends a payment request to a bank end, the bank end receives the payment request, the payment request includes a transaction serial number, a block link digital identity of a transaction payment user of the B2B platform, a block link digital identity of a transaction income user, and the like, and the block link computing system verifies a mapping consistency relationship between hardware digital wallet information, transaction payment user bank electronic account information, transaction income user bank electronic account information, and a user block link digital identity in the B2B platform transaction serial number through an intelligent contract on a link.
S140: the bank end of the block chain settlement system receives the bank electronic account verification result returned by the user, and records the bank electronic account verification result through the block chain settlement system;
in the specific implementation manner of this specification, the user receives the bank electronic account verification request, and confirms through the hardware digital wallet, and the bank receives the bank electronic account verification result returned by the user, and records the bank electronic account verification result through the block link calculation system.
S150: the bank end of the block chain settlement system judges whether the bank electronic account verification result returned by the user is consistent with the payment request;
in a specific embodiment of the present specification, the step S150 includes:
the bank electronic account verification result returned by the user comprises the enterprise electronic account and user confirmation information returned;
the payment request further includes transaction information;
the bank end of the block chain settlement system determines whether the returned enterprise electronic account is consistent with the target account through the block chain calculation system;
when the bank end of the block chain settlement system determines that the returned enterprise electronic account is consistent with the target account through the block chain calculation system, the bank end of the block chain calculation system judges whether the user confirmation information is consistent with the transaction information.
In a specific embodiment of the present specification, the bank end checks consistency of whether the digital identity of the user block chain corresponding to the hardware digital wallet is digital identity information of a payment user in a transaction flow, confirmation information of the hardware digital wallet, payment request information that the transaction payment user bank electronic account needs to pay N ten thousand yuan for the transaction income user bank electronic account, and the like.
In a specific embodiment of the present specification, the step S150 further includes:
and when the bank terminal of the block chain settlement system judges that the bank electronic account verification result returned by the user is inconsistent with the payment request, the payment request is terminated.
S160: when the bank end of the block chain settlement system judges that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain settlement system completes the accounting based on the bank electronic account verification result returned by the user, and records the accounting result through the block chain settlement system.
In the specific implementation mode of the specification, after the verification is completed, N ten thousand yuan are divided from the electronic account of the transaction payment user bank to the electronic account of the transaction income user bank, and after the payment is completed, the payment bill and the payment state are linked.
In a specific embodiment of the present specification, after step S160, the method includes:
the block chain settlement system automatically initiates account checking request information based on the account separating result and records the account checking request information;
and the bank end of the block chain settlement system sends a payment receipt to the block chain settlement system in real time based on the account checking request information, and records the payment receipt through the block chain calculation system.
In the specific embodiment of the present specification, the B2B platform initiates real-time reconciliation request information through the blockchain settlement system, and encrypts and chains the reconciliation request information. And the bank end receives the account checking request information through the block link computing system, and sends a payment receipt, the payment receipt and the payment state encrypted uplink in real time.
In an embodiment of the present disclosure, after the bank end of the block chain computing system sends a payment receipt to the block chain computing system in real time based on the reconciliation request information, and records the payment receipt by the block chain computing system, the method includes:
the alliance chain further comprises an invoice platform which is mutually associated with the block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain settlement system;
the block link computing system receives an invoice verification request initiated by a user and records the invoice verification request;
the block chain settlement system judges whether the invoice verification request is consistent with the recorded payment receipt;
when the block chain settlement system judges that the invoice verification request is consistent with the recorded payment receipt, an invoice platform of the block chain calculation system generates an invoice based on the invoice verification request and records the invoice;
and the invoice platform of the block link calculation system sends the invoice to the user through the block link calculation system.
In the specific implementation manner of the present specification, the user submits the invoice verification request for the transaction whose payment status is completed according to the payment receipt, and the invoice verification request encrypts the uplink. The invoice platform receives the invoice checking request through the block chain settlement system, conducts consistency checking on both transaction payment parties and the invoice through the intelligent contract and sends a checking result, and the invoice is encrypted and linked.
In the specification, the block chain computing system, the B2B platform and the alliance chain of the bank end which are mutually associated meet the requirements of financial supervision compliance, and one platform and one channel are in butt joint with the on-chain direct connection mode of the premium financial institution, so that the data security and privacy are effectively guaranteed; the payment recording process and the invoice information chain are stored, and the fact that the block chain cannot be tampered can guarantee that the transaction flow is real and the invoice tax is consistent and can be verified; the enterprise level "hardware digital wallet + unique digital identity" ensures that payment is confirmed by the true authorization of the transaction enterprise; the full-chain consensus rule is automatically completed by an intelligent contract, no human intervention exists on the chain, smooth service is ensured, the operation cost is extremely low, and the real-time payment settlement of T +0 can be realized; the accumulation of the enterprise credit can be realized by recording the deposit evidence and leaving marks through the real transaction payment on the block chain and witnessing the credit endorsement on the bank end chain, and the enterprise is helped to financing more easily.
Fig. 2 is a schematic diagram of an accounting apparatus based on a federation chain according to an embodiment of the present disclosure, where the federation chain includes a block-chain computing system, a B2B platform of the block-chain computing system, and a bank end of the block-chain computing system, which are associated with each other, and includes:
a payment request module 10, configured to receive, by the blockchain settlement system, a payment request initiated by a user through a B2B platform of the blockchain computing system, and encrypt and chain the payment request;
a sending request module 20, configured to send the payment request to a bank end of the blockchain settlement system by the blockchain settlement system;
the verification request module 30 is configured to send a bank electronic account verification request to a user by a bank end of the block chain settlement system based on the payment request, and record the bank electronic account verification request through the block chain settlement system;
a return result module 40, configured to receive, by a bank end of the blockchain settlement system, a bank electronic account verification result returned by a user, and record the bank electronic account verification result through the blockchain settlement system;
the first judging module 50 is configured to judge, by the bank side of the blockchain settlement system, whether the bank electronic account verification result returned by the user is consistent with the payment request;
and a complete accounting module 60, configured to, when the bank end of the block-linked computing system determines that the bank electronic account verification result returned by the user is consistent with the payment request, complete accounting by the bank end of the block-linked computing system based on the bank electronic account verification result returned by the user, and record an accounting result through the block-linked computing system.
Optionally, the verification request module 30 includes:
a receiving unit, configured to receive the payment request by a bank of the blockchain settlement system, where the payment request includes a blockchain digital identity of a user;
the determining unit is used for determining whether a target account exists or not by a bank end of the block chain computing system through the block chain computing system, wherein the target account comprises an enterprise electronic account in a block chain digital identity mapping relation with the user;
and the verification unit is used for sending an electronic account verification request to the target account by the bank end of the block chain settlement system based on the payment request when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, and recording the bank electronic account verification request through the block chain settlement system.
Optionally, the first determining module 50 includes:
the bank electronic account verification result returned by the user comprises the enterprise electronic account and user confirmation information returned;
the payment request further includes transaction information;
the first judgment unit is used for the bank end of the block chain settlement system to determine whether the returned enterprise electronic account is consistent with the target account through the block chain calculation system;
a second determining unit, configured to, when the bank end of the block chain settlement system determines, through the block chain computing system, that the returned enterprise electronic account is consistent with the target account, determine, by the bank end of the block chain computing system, whether the user confirmation information is consistent with the transaction information.
Optionally, the complete component account module 60 further includes:
and when the bank end of the block chain settlement system judges that the bank electronic account verification result returned by the user is inconsistent with the payment request, the payment request is terminated.
Optionally, after the component accounting module 60 is completed, the method includes:
the account checking request module is used for the block chain settlement system to automatically initiate account checking request information based on the account separating result and record the account checking request information;
and the payment receipt module is used for sending a payment receipt to the block chain settlement system in real time by a bank end of the block chain settlement system based on the account checking request information and recording the payment receipt through the block chain calculation system.
Optionally, after the payment receipt module, the method includes:
the alliance chain further comprises an invoice platform of the block chain computing system, wherein the invoice platform is mutually associated with the block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain settlement system;
the invoice verification module is used for receiving an invoice verification request initiated by a user by the block link computing system and recording the invoice verification request;
the second judgment module is used for judging whether the invoice verification request is consistent with the recorded payment receipt or not by the block link calculation system;
the invoice generation module is used for generating an invoice based on the invoice verification request and recording the invoice by an invoice platform of the block link calculation system when the block link settlement system judges that the invoice verification request is consistent with the recorded payment receipt;
and the invoice sending module is used for sending the invoice to the user through the block link calculation system by the invoice platform of the block link calculation system.
The functions of the apparatus in the embodiment of the present invention have been described in the above method embodiments, so that reference may be made to the related descriptions in the foregoing embodiments for details that are not described in the present embodiment, and further details are not described herein.
Based on the same inventive concept, the embodiment of the specification further provides the electronic equipment.
In the following, embodiments of the electronic device of the present invention are described, which may be regarded as specific physical implementations for the above-described embodiments of the method and apparatus of the present invention. Details described in the embodiments of the electronic device of the invention should be considered supplementary to the embodiments of the method or apparatus described above; for details which are not disclosed in embodiments of the electronic device of the invention, reference may be made to the above-described embodiments of the method or the apparatus.
Fig. 3 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. An electronic device 300 according to this embodiment of the invention is described below with reference to fig. 3. The electronic device 300 shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 3, electronic device 300 is in the form of a general purpose computing device. The components of electronic device 300 may include, but are not limited to: at least one processing unit 310, at least one memory unit 320, a bus 330 connecting the various system components (including the memory unit 320 and the processing unit 310), a display unit 340, and the like.
Wherein the storage unit stores program code that can be executed by the processing unit 310 to cause the processing unit 310 to perform the steps according to various exemplary embodiments of the present invention described in the above-mentioned processing method section of the present specification. For example, the processing unit 310 may perform the steps as shown in fig. 1.
The storage unit 320 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM) 3201 and/or a cache memory unit 3202, and may further include a read-only memory unit (ROM) 3203.
The storage unit 320 may also include a program/utility 3204 having a set (at least one) of program modules 3205, such program modules 3205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 300 may also communicate with one or more external devices 400 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 300, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 300 to communicate with one or more other computing devices. Such communication may occur through input/output (I/O) interface 350. Also, electronic device 300 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via network adapter 360. Network adapter 360 may communicate with other modules of electronic device 300 via bus 330. It should be understood that although not shown in FIG. 3, other hardware and/or software modules may be used in conjunction with electronic device 300, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the description of the above embodiments, those skilled in the art will readily understand that the exemplary embodiments described in the present invention may be implemented by software, and may also be implemented by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, or a network device, etc.) execute the above-mentioned method according to the present invention. The computer program, when executed by a data processing apparatus, enables the computer readable medium to implement the above-described method of the invention, namely: such as the method shown in fig. 1.
Fig. 4 is a schematic diagram of a computer-readable medium provided in an embodiment of the present specification.
A computer program implementing the method shown in fig. 1 may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and 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).
In summary, the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that some or all of the functionality of some or all of the components in embodiments in accordance with the invention may be implemented in practice using a general purpose data processing device such as a microprocessor or a Digital Signal Processor (DSP). The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
While the foregoing detailed description has described in detail certain embodiments of the invention with reference to certain specific aspects, embodiments and advantages thereof, it should be understood that the invention is not limited to any particular computer, virtual machine, or electronic device, as various general purpose machines may implement the invention. The invention is not to be considered as limited to the specific embodiments thereof, but is to be understood as being modified in all respects, all changes and equivalents that come within the spirit and scope of the invention.
All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art to which the present application pertains. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. An account splitting method based on a alliance chain is characterized in that the alliance chain comprises a block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain computing system which are mutually related, and the account splitting method comprises the following steps:
the block chain settlement system receives a payment request initiated by a user through a B2B platform of the block chain settlement system, and encrypts and chains the payment request;
the block chain settlement system sends the payment request to a bank end of the block chain settlement system;
the bank end of the block chain settlement system sends a bank electronic account verification request to a user based on the payment request, and records the bank electronic account verification request through the block chain settlement system;
the bank end of the block chain settlement system receives the bank electronic account verification result returned by the user, and records the bank electronic account verification result through the block chain settlement system;
the bank end of the block chain settlement system judges whether the bank electronic account verification result returned by the user is consistent with the payment request;
when the bank end of the block chain settlement system judges that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain settlement system completes the accounting based on the bank electronic account verification result returned by the user, and records the accounting result through the block chain settlement system.
2. The federation chain-based ledger method of claim 1, wherein the bank end of the blockchain settlement system sending a bank electronic account verification request to the user based on the payment request and recording the bank electronic account verification request by the blockchain settlement system comprises:
a bank end of the blockchain settlement system receives the payment request, wherein the payment request comprises a blockchain digital identity of the user;
the bank end of the block chain settlement system determines whether a target account exists through the block chain calculation system, wherein the target account comprises an enterprise electronic account which has a mapping relation with the block chain digital identity of the user;
when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, the bank end of the block chain settlement system sends an electronic account verification request to the target account based on the payment request, and records the electronic account verification request through the block chain settlement system.
3. The federation chain-based ledger method of claim 2, wherein the determining, by the bank side of the blockchain settlement system, whether the bank electronic account verification result returned by the user is consistent with the payment request comprises:
the bank electronic account verification result returned by the user comprises the enterprise electronic account, the user confirmation information and the hardware digital wallet account;
the payment request further includes transaction information;
the bank end of the block chain settlement system determines whether the returned enterprise electronic account is consistent with the target account through the block chain calculation system;
when the bank end of the block chain settlement system determines that the returned enterprise electronic account is consistent with the target account through the block chain calculation system, the bank end of the block chain calculation system determines whether a mapping relation exists between a hardware digital wallet account returning confirmation information and a block chain digital identity of the user through the block chain calculation system;
when the bank end of the block chain settlement system determines that the mapping relationship exists between the hardware digital wallet account returning the confirmation information and the block chain digital identity of the user through the block chain calculation system, the bank end of the block chain settlement system judges whether the user confirmation information is consistent with the transaction information.
4. The federation chain-based accounting method of claim 1, wherein when the bank end of the block chain accounting system determines that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain accounting system completes accounting based on the bank electronic account verification result returned by the user and records the accounting result through the block chain accounting system, further comprising:
and when the bank terminal of the block chain settlement system judges that the bank electronic account verification result returned by the user is inconsistent with the payment request, the payment request is terminated.
5. The alliance-chain-based billing method according to claim 1, wherein when the bank end of the block chain settlement system determines that the bank electronic account verification result returned by the user is consistent with the payment request, the bank end of the block chain calculation system completes billing based on the bank electronic account verification result returned by the user, and records the billing result through the block chain calculation system, the method comprises:
the block chain settlement system automatically initiates account checking request information based on the account separating result and records the account checking request information;
and the bank end of the block chain settlement system sends a payment receipt to the block chain settlement system in real time based on the account checking request information, and records the payment receipt through the block chain calculation system.
6. The federation chain-based ledger method of claim 5, wherein after a bank end of the blockchain settlement system sends a payment receipt to the blockchain settlement system in real time based on the reconciliation request information and records the payment receipt by the blockchain settlement system, comprising:
the alliance chain further comprises an invoice platform of the block chain computing system, wherein the invoice platform is mutually associated with the block chain computing system, a B2B platform of the block chain computing system and a bank end of the block chain settlement system;
the block link computing system receives an invoice verification request initiated by a user and records the invoice verification request;
the block chain settlement system judges whether the invoice verification request is consistent with the recorded payment receipt;
when the block chain settlement system judges that the invoice verification request is consistent with the recorded payment receipt, an invoice platform of the block chain calculation system generates an invoice based on the invoice verification request and records the invoice;
and the invoice platform of the block chain computing system sends the invoice to the user through the block chain computing system.
7. An accounting device based on a federation chain, wherein the federation chain includes a block-chain computing system, a B2B platform of the block-chain computing system, and a bank end of the block-chain computing system, which are related to each other, includes:
the payment request module is used for receiving a payment request initiated by a user through a B2B platform of the block-linked computing system by the block-linked computing system and encrypting and linking the payment request;
the sending request module is used for sending the payment request to a bank end of the block chain settlement system by the block chain settlement system;
the verification request module is used for sending a bank electronic account verification request to a user by a bank end of the block chain settlement system based on the payment request and recording the bank electronic account verification request through the block chain settlement system;
the return result module is used for receiving the bank electronic account verification result returned by the user at the bank end of the block chain settlement system and recording the bank electronic account verification result through the block chain settlement system;
the first judgment module is used for judging whether the bank electronic account verification result returned by the user is consistent with the payment request or not by the bank side of the block chain settlement system;
and the account completion and accounting module is used for completing account division by the bank end of the block chain accounting system based on the bank electronic verification result returned by the user when the bank end of the block chain accounting system judges that the bank electronic account verification result returned by the user is consistent with the payment request, and recording the account division result through the block chain accounting system.
8. The federation chain-based accounting apparatus of claim 7, wherein the validation request module comprises:
a receiving unit, configured to receive, by a bank end of the blockchain settlement system, the payment request, where the payment request includes a blockchain digital identity of a user;
the determining unit is used for determining whether a target account exists or not by a bank end of the block chain computing system through the block chain computing system, wherein the target account comprises an enterprise electronic account in a block chain digital identity mapping relation with the user;
and the verification unit is used for sending an electronic account verification request to the target account by the bank end of the block chain settlement system based on the payment request when the bank end of the block chain settlement system determines that the target account exists through the block chain settlement system, and recording the bank electronic account verification request through the block chain settlement system.
9. An electronic device, wherein the electronic device comprises:
a processor; and the number of the first and second groups,
a memory storing computer-executable instructions that, when executed, cause the processor to perform the method of any of claims 1-6.
10. A computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement the method of any of claims 1-6.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115829554A (en) * | 2023-01-29 | 2023-03-21 | 中国民航信息网络股份有限公司 | Settlement method, system, storage medium and electronic equipment based on block chain |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115829554A (en) * | 2023-01-29 | 2023-03-21 | 中国民航信息网络股份有限公司 | Settlement method, system, storage medium and electronic equipment based on block chain |
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