CN115860735A

CN115860735A - Transaction processing method and device based on block chain

Info

Publication number: CN115860735A
Application number: CN202211647369.2A
Authority: CN
Inventors: 蒋星程; 张子文
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-12-21
Filing date: 2022-12-21
Publication date: 2023-03-28

Abstract

The invention provides a transaction processing method and device based on a block chain, and relates to the technical field of block chains. The method comprises the following steps: receiving first transaction information; inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information; obtaining service fee detail to be collected according to the transaction amount, the preferential amount and the bill collecting service fee collecting rule; confirming the broadcast bill-collecting service fee confirmation request according to the detail of the service fee to be collected; if the transaction payment confirmation information and the service charge receivable confirmation information corresponding to the first transaction information are received, verifying the service charge receivable confirmation information; if the service charge confirmation information is verified, returning a transaction success prompt message and linking and storing the related information. The device is used for executing the method. The transaction processing method and device based on the block chain provided by the embodiment of the invention improve the transaction processing efficiency.

Description

Transaction processing method and device based on block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a transaction processing method and device based on a block chain.

Background

The order receiving service means that the order receiving mechanism signs an order receiving agreement with the special merchant, the special merchant accepts the bank card and bar code payment transaction according to the agreement content, and the order receiving mechanism provides the transaction fund settlement service for the merchant. The order-receiving modes comprise offline order-receiving modes such as a POS machine, a static code plate, a code scanning box and a code scanning gun, and online order-receiving modes such as a payment link website and a WeChat public number payment.

In the prior art, the bill receiving business and the marketing activities of a bank belong to different platforms, and the bill receiving platform of the bank is independent from the marketing platform. If the order receiving business relates to the discount of marketing activities such as an online red packet, an electronic coupon and the like, the processing of transaction information in the order receiving business is carried out on a bank order receiving platform, and the discount amount is processed on the marketing platform, so that the problem of cross-platform account checking is caused, and the processing efficiency of the order receiving business is reduced.

Disclosure of Invention

To solve the problems in the prior art, embodiments of the present invention provide a transaction processing method and apparatus based on a blockchain, which can at least partially solve the problems in the prior art.

In a first aspect, the present invention provides a transaction processing method based on a blockchain, including:

receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third party payment platform identifier, a card issuer identifier and transaction amount;

inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance;

calculating and obtaining the detail of the service charge to be received corresponding to the first transaction information according to the transaction amount, the preferential amount and a charging rule of the service charge to be received; wherein the billing service fee charging rule is preset;

broadcasting a bill collecting service fee confirmation request in a blockchain network so that a bill collecting service party confirms the bill collecting service fee detail, wherein the bill collecting service fee confirmation request comprises the bill collecting service fee detail and the bill collecting service party identification corresponding to the first transaction information;

if transaction payment confirmation information and receivable service charge confirmation information corresponding to the first transaction information are received, verifying the receivable service charge confirmation information corresponding to the first transaction information;

and if the acknowledgement information of the receivable service fee corresponding to the first transaction information is verified, returning a transaction success prompt message to the transaction terminal and performing uplink storage on the transaction payment acknowledgement information and the acknowledgement information of the receivable service fee corresponding to the first transaction information.

In a second aspect, the present invention provides a blockchain-based transaction processing apparatus, comprising:

the system comprises a receiving module, a transaction terminal and a processing module, wherein the receiving module is used for receiving first transaction information sent by the transaction terminal, and the first transaction information comprises a merchant identifier, a third-party payment platform identifier, a card issuer identifier and transaction amount;

the inquiry module is used for inquiring a corresponding preferential intelligent contract according to the merchant identifier, the third-party payment platform identifier and the card issuer identifier so as to obtain a preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance;

the calculation module is used for calculating and obtaining the detail of the receivable service fee corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collecting rule; wherein the bill collecting service fee collecting rule is preset;

a broadcasting module, configured to broadcast a bill collecting service charge confirmation request in a blockchain network, so that a bill collecting service party confirms a detail of a service charge to be collected, where the bill collecting service charge confirmation request includes the detail of the service charge to be collected and an identifier of the bill collecting service party corresponding to the first transaction information;

the verification module is used for verifying the receivable service charge confirmation information corresponding to the first transaction information if transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information are received;

and the uplink module is used for returning transaction success prompt information to the transaction terminal and uplink storing the transaction payment confirmation information and the receivable service fee confirmation information corresponding to the first transaction information if the fact that the receivable service fee confirmation information corresponding to the first transaction information passes verification is obtained.

In a third aspect, the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the transaction processing method based on blockchain according to any of the above embodiments.

In a fourth aspect, the present invention provides a computer-readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, implementing the method for processing transactions based on blockchains according to any of the embodiments described above.

In a fifth aspect, the present invention provides a computer program product comprising a computer program which, when executed by a processor, implements the blockchain-based transaction processing method according to any of the above embodiments.

The block chain-based transaction processing method and device provided by the embodiment of the invention can receive first transaction information sent by a transaction terminal, inquire a corresponding preferential intelligent contract according to a merchant identifier, a third-party payment platform identifier and a card-issuing party identifier to obtain preferential amount, return second transaction information to the transaction terminal, calculate and obtain receivable service fee details corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collecting rule, broadcast a receipt service fee confirmation request in a block chain network to ensure that a receipt service party confirms the receivable service fee details, verify the receivable service fee confirmation information corresponding to the first transaction information if the transaction payment confirmation information and the receivable service fee confirmation information corresponding to the first transaction information are received, verify the receivable service fee confirmation information corresponding to the first transaction information if the receivable service fee confirmation information corresponding to the first transaction information and the receivable service fee confirmation information corresponding to the first transaction information are received, and uniformly store the receivable service fee confirmation information and the receivable service fee confirmation information corresponding to the first transaction terminal in subsequent transaction processes, and improve the efficiency of subsequent transactions.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a schematic structural diagram of a transaction processing system based on a blockchain according to a first embodiment of the present invention.

Fig. 2 is a flowchart illustrating a transaction processing method based on a blockchain according to a second embodiment of the present invention.

Fig. 3 is a flowchart illustrating a transaction processing method based on a blockchain according to a third embodiment of the present invention.

Fig. 4 is a schematic structural diagram of a transaction processing device based on a blockchain according to a fourth embodiment of the present invention.

Fig. 5 is a schematic structural diagram of a transaction processing device based on a blockchain according to a fifth embodiment of the present invention.

Fig. 6 is a schematic physical structure diagram of an electronic device according to a sixth embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict. In the technical scheme of the application, the data acquisition, storage, use, processing and the like all accord with relevant regulations of national laws and regulations. The user information in the embodiment of the application is obtained through legal compliance, and the user information is obtained, stored, used, processed and the like through authorization approval of a client.

Fig. 1 is a schematic structural diagram of a blockchain-based transaction processing system according to a first embodiment of the present invention, and as shown in fig. 1, the blockchain-based transaction processing system according to the embodiment of the present invention includes at least one acquirer node 1, at least one issuer node 2, at least one third-party payment platform node 3, and a third-party clearing node 4, where:

each acquiring node 1 is respectively in communication connection with each card sender node 2, each third party payment platform node 3 and each third party clearing node 4; each card sender node 2 is respectively in communication connection with each third-party payment platform node 3 and each third-party clearing node 4, and each third-party payment platform node 3 is respectively in communication connection with each third-party clearing node 4; each acquirer node 1 is configured to execute the transaction processing method based on the blockchain provided in the embodiment of the present invention. The issuer is the issuer corresponding to the bank card used by the payer in the transaction.

Each acquiring node 1, each card issuing party node 2, each third party payment platform node 3 and each third party clearing node 4 form a block chain network. The acquiring node 1, the card issuing party node 2, the third party payment platform node 3 and the third party clearing node 4 may be implemented by a server or a server cluster, and are set according to actual needs, which is not limited in the embodiment of the present invention.

The following describes a specific implementation process of the transaction processing method based on the blockchain, which is provided by the embodiment of the present invention, by taking an acquirer node as an execution subject.

Fig. 2 is a schematic flow chart of a transaction processing method based on a blockchain according to a second embodiment of the present invention, and as shown in fig. 2, the transaction processing method based on a blockchain according to the embodiment of the present invention includes:

s201, receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third party payment platform identifier, a card issuer identifier and a transaction amount;

specifically, when transaction payment is performed, the transaction terminal sends first transaction information to the acquirer node, where the first transaction information includes transaction information such as a merchant identifier, a third-party payment platform identifier, an issuer identifier, and a transaction amount, and is set according to actual needs, and embodiments of the present invention are not limited. The acquirer node receives the first transaction information. The merchant identification corresponds to the merchant one by one, the third party payment platform identification corresponds to the third party payment platform one by one, and the card issuing party identification corresponds to the payee one by one. The merchant identification may be a unique code for the merchant. The third party payment platform identification and the card issuer identification include but are not limited to bank codes and the like. The transaction terminal may be a cash register or a server of a shopping website, and the embodiments of the present invention are not limited thereto.

For example, when customer a purchases clothes in a certain mall and pays at a checkout counter of the mall, the checkout counter sends first transaction information to the acquiring node, where the first transaction information includes a product number, a product name, a transaction amount, a merchant identifier of the clothes, a third-party payment platform identifier, and a card issuer identifier.

S202, inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein, the preferential intelligent contract is obtained in advance;

specifically, the acquiring node inquires a preferential intelligent contract corresponding to the merchant identifier according to the merchant identifier, inquires a preferential intelligent contract corresponding to a third-party payment platform according to the third-party payment platform identifier, inquires a preferential intelligent contract corresponding to the card issuer identifier according to the card issuer identifier, and calculates preferential amount according to the inquired preferential intelligent contract. And the acquiring node carries the preferential amount in second transaction information and returns the preferential amount to the transaction terminal, and the transaction terminal deducts the preferential amount from the transaction amount to obtain actual payment amount for the customer to confirm. And after the customer confirms, carrying the actual payment amount in a transaction payment request and sending the transaction payment request to the third party payment platform node so as to pay the actual payment amount. And after the third-party payment platform node completes the transaction payment, sending transaction payment confirmation information to the acquiring node. And each preferential intelligent contract is preset and uploaded to the block chain network. The actual payment amount is equal to the transaction amount minus the offer amount.

S203, calculating and obtaining the detail of the service charge to be collected corresponding to the first transaction information according to the transaction amount, the preferential amount and a bill collection service charge collection rule; wherein the bill collecting service fee collecting rule is preset;

specifically, the order receiving node calculates the service charge receivable by each service party involved in the transaction according to the transaction amount, the preferential amount and an order receiving service charge receiving rule, and obtains details of the service charge receivable corresponding to the first transaction information. Wherein the billing service fee charging rule is preset.

For example, the billing service fee charging rules include: the bill collection service charge Q is Q percent of the bill collection amount P, the card issuer bill collection service charge A is a percent of the bill collection service charge Q, the acquirer bill collection service charge B is B percent of the bill collection service charge Q, the clearing party bill collection service charge C is C percent of the bill collection service charge Q, the third party payment platform bill collection service charge B is d percent of the bill collection service charge Q, and the bill collection service charge B is a percent + B percent + C percent + d percent =1. The order receiving amount P is equal to the transaction amount minus the preferential amount corresponding to the merchant identification.

S204, broadcasting a bill collecting service fee confirmation request in the blockchain network so that a bill collecting service party confirms the detail of the service fee to be collected, wherein the bill collecting service fee confirmation request comprises the detail of the service fee to be collected and the identification of the bill collecting service party corresponding to the first transaction information;

specifically, the order collection node broadcasts an order collection service charge confirmation request in a blockchain network, where the order collection service charge confirmation request includes details of an account receivable service charge corresponding to the first transaction information and an order collection service party identifier. After receiving the receipt service charge confirmation request, other nodes in the blockchain network judge whether the receipt service party identifier corresponding to the first transaction information is the same as the local identifier, if so, confirm the detail of the receivable service charge corresponding to the first transaction information, and after determining that no error exists, broadcast the receivable service charge confirmation information in the blockchain network, wherein the receivable service charge confirmation information carries the signature information of the receipt service party. The order receiving service side comprises an issuer, an acquirer, a clearing party, a third-party payment platform and the like, and the setting is carried out according to actual needs, and the embodiment of the invention is not limited.

S205, if transaction payment confirmation information and receivable service charge confirmation information corresponding to the first transaction information are received, verifying the receivable service charge confirmation information corresponding to the first transaction information;

specifically, after receiving the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information, the acquirer node verifies the receivable service charge confirmation information corresponding to the first transaction information. The signature information of the order receiving service party carried by the service charge confirmation information can be verified, so that the verification of the service charge confirmation information is realized. The generation and verification process of the signature information is not described in detail here.

And S206, if the fact that the service charge receivable confirmation information corresponding to the first transaction information passes the verification is obtained, returning a transaction success prompt message to the transaction terminal and performing uplink storage on the transaction payment confirmation information and the service charge receivable confirmation information corresponding to the first transaction information.

Specifically, the acquiring node obtains a verification result of the receivable service charge confirmation information corresponding to the first transaction information, if the verification result is that the verification is passed, the receivable service charge confirmation information corresponding to the first transaction information passes the verification, and the acquiring node returns a transaction success prompt message to the transaction terminal. And the acquiring node also stores the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information in an uplink mode.

For example, the order receiving service party involved in the transaction includes a card issuing party, an acquirer, a clearing party and a third party payment platform, the receivable service charge confirmation information corresponding to the first transaction information received by the order receiving node includes receivable service charge confirmation information corresponding to the card issuing party, receivable service charge confirmation information corresponding to the clearing party and receivable service charge confirmation information corresponding to the third party payment platform, the order receiving node respectively verifies the receivable service charge confirmation information corresponding to the card issuing party, the receivable service charge confirmation information corresponding to the clearing party and the receivable service charge confirmation information corresponding to the third party payment platform, and after the receivable service charge confirmation information corresponding to the three parties passes the verification, it is determined that the receivable service charge confirmation information corresponding to the first transaction information passes the verification. Since the acquirer node corresponds to the acquirer, in order to improve transaction efficiency, the acquirer node can choose not to generate the receivable service charge confirmation information corresponding to the acquirer and not to confirm the receivable service charge confirmation information corresponding to the acquirer.

The block chain-based transaction processing method provided by the embodiment of the invention can receive first transaction information sent by a transaction terminal, inquire a corresponding preferential intelligent contract according to a merchant identifier, a third-party payment platform identifier and a card-issuing party identifier to obtain preferential amount, return second transaction information to the transaction terminal, calculate and obtain details of receivable service fees corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collection rule, broadcast a receipt service fee confirmation request in a block chain network to ensure that a receipt service party confirms the details of the receivable service fees, verify the receivable service fee confirmation information corresponding to the first transaction information if the transaction payment confirmation information and the receivable service fee confirmation information corresponding to the first transaction information are received, verify the receivable service fee confirmation information corresponding to the first transaction information if the receivable service fee confirmation information corresponding to the first transaction information and the receivable service fee confirmation information corresponding to the first transaction information are received, and uniformly store the receivable service fee confirmation information and the receivable service fee corresponding to the first transaction information in a subsequent transaction process, and improve the efficiency of chain transaction. As the confirmation of the service charge to be received is carried out through the blockchain network and the transaction data is stored in the blockchain network, the security of the transaction is improved and the reliability of the transaction is improved.

Fig. 3 is a schematic flow chart of a transaction processing method based on a blockchain according to a third embodiment of the present invention, and as shown in fig. 3, on the basis of the foregoing embodiments, further, the transaction processing method based on a blockchain according to the embodiment of the present invention further includes:

s301, broadcasting merchant file pre-uplink information in a block chain network, wherein the merchant file pre-uplink information comprises file-building signature information and at least one third-party payment platform identifier;

specifically, before the merchant collects money through the transaction processing system based on the blockchain provided by the embodiment of the invention, the merchant needs to open an account in a bank, and a merchant profile is established in the transaction processing system based on the blockchain. When a merchant establishes a merchant file in a bank, the acquiring node can acquire relevant information of the merchant file and then broadcasts the pre-uplink information of the merchant file in a block chain network. The merchant file pre-uplink information includes the document-making signature information, at least one third-party payment platform identifier, merchant file related information, and the like, and is set according to actual needs, which is not limited in the embodiment of the present invention. The profiling signature information may be obtained by the acquirer node signing the relevant information of the merchant archive. The at least one third party payment platform identification is determined according to the third party payment platform required by the merchant in the transaction process. The relevant information of the merchant file includes, but is not limited to, a merchant name, a business license, a legal name, a payment account, registered funds, etc., and is set according to actual needs, which is not limited in the embodiments of the present invention.

S302, receiving merchant file confirmation information broadcast by a third party payment platform node corresponding to the at least one third party payment platform identifier, wherein the merchant file confirmation information comprises third party payment platform signature information; the merchant archive confirmation information is broadcasted after the third party payment platform node corresponding to the third party payment platform identification passes the verification of the filing signature information;

specifically, nodes in the block chain network except the acquiring node can receive the merchant file pre-uplink information, after the third-party payment platform node receives the merchant file pre-uplink information, it can be determined whether a third-party payment platform identifier corresponding to a local third-party payment platform node exists in at least one third-party payment platform identifier included in the merchant file pre-uplink information, if yes, the establishment signature information can be verified, after the establishment signature information is verified, merchant file confirmation information can be broadcasted in the block chain network, the acquiring node can receive the merchant file confirmation information broadcasted by the third-party payment platform node, and the merchant file confirmation information includes the third-party payment platform signature information. The generation and verification process of the profiling signature information may adopt a signature and verification process in the prior art, which is not described herein again.

It can be understood that the verification of the profiling signature information is not passed, and the third-party payment platform node may broadcast merchant profile reject information in the blockchain network, which indicates that the merchant profile cannot be profiled on the third-party payment platform corresponding to the third-party payment platform node.

And S303, if the verification of the signature information of at least one third-party payment platform is judged to be passed, uplink storage is performed on the merchant file pre-uplink information and merchant file confirmation information corresponding to the payment platform signature information which is passed through verification.

Specifically, after receiving the merchant file confirmation information, the acquirer node verifies the third-party payment platform signature information carried by the merchant file confirmation information, and if the third-party payment platform signature information passes verification, the acquirer node stores the merchant file pre-chaining information and the merchant file confirmation information corresponding to the verified payment platform signature information in a chaining manner. The generation and verification process of the third party payment platform signature information can be realized by the signature and verification process in the prior art, and is not described herein again.

According to the block chain-based transaction processing method provided by the embodiment of the invention, the pre-chaining information of the merchant file is broadcasted by the acquiring node for the third-party payment platform nodes to confirm, and the individual filing of each third-party payment platform is not required, so that the process of filing of the merchant is simplified, and the filing efficiency of the merchant is improved.

On the basis of the foregoing embodiments, further querying a corresponding offer intelligent contract according to the merchant identifier, the third-party payment platform identifier, and the card issuer identifier to obtain an offer amount includes:

and if at least one preferential intelligent contract is inquired according to the merchant identification, the third-party payment platform identification and the card issuer identification, calculating to obtain preferential amount according to the acquired preferential intelligent contract.

Specifically, the acquiring node queries a preferential intelligent contract corresponding to the merchant identifier according to the merchant identifier, queries a preferential intelligent contract corresponding to a third-party payment platform according to the third-party payment platform identifier, queries a preferential intelligent contract corresponding to the card issuer identifier according to the card issuer identifier, and calculates and obtains a preferential amount according to the preferential intelligent contract obtained by the query if at least one preferential intelligent contract is queried. The preferential intelligent contract is used for determining the preferential amount of the transaction, and the preferential intelligent contract is set according to actual needs.

For example, the intelligent offer corresponding to the merchant identification is about a 1000-dollar payment exemption of 100 dollars. And the acquiring node compares the transaction amount with 1000 yuan, and if the transaction amount is greater than 1000 yuan, the preferential amount corresponding to the merchant identification is obtained to be 100 yuan.

For example, the intelligent offer contract corresponding to the card issuer identification is approximately 100 dollars for a full 1000 dollar payment exemption. And the acquiring node compares the transaction amount with 1000 yuan, and if the transaction amount is greater than 1000 yuan, the acquiring unit acquires that the preferential amount corresponding to the merchant identification is 100 yuan.

It can be understood that if the transaction can enjoy a plurality of preferential intelligent contracts at the same time, the preferential amounts calculated and obtained through the plurality of preferential intelligent contracts can be added to obtain the final preferential amount.

On the basis of the foregoing embodiments, further querying a corresponding discount intelligent contract according to the merchant identifier, the third party payment platform identifier, and the issuer identifier to obtain a discount amount includes:

and if the corresponding preferential intelligent contract is not inquired according to the merchant identification, the third-party payment platform identification and the card issuer identification, the preferential amount is 0.

Specifically, the acquiring node queries a preferential intelligent contract corresponding to the merchant identifier according to the merchant identifier, queries a preferential intelligent contract corresponding to a third-party payment platform according to the third-party payment platform identifier, and queries a preferential intelligent contract corresponding to the card issuer identifier according to the card issuer identifier, wherein if any preferential intelligent contract is not queried, which indicates that preferential exemption cannot be performed on the transaction, the preferential amount is 0.

On the basis of the foregoing embodiments, further, the transaction processing method based on the blockchain according to the embodiment of the present invention further includes:

and if the transaction payment confirmation information or the service charge receivable confirmation information corresponding to the first transaction information is not received, returning transaction failure prompt information to the transaction terminal.

Specifically, if the acquirer node does not receive transaction payment confirmation information sent by the third-party payment platform node, transaction failure prompt information is returned to the transaction terminal.

And if the acquiring node does not receive the transaction payment confirmation information sent by the third-party payment platform node, the third-party payment platform node does not confirm the details of the service charge to be received, and then transaction failure prompt information is returned to the transaction terminal.

and if the verification of the receivable service charge confirmation information corresponding to the first transaction information is judged to be failed, returning a transaction failure prompt message to the transaction terminal.

Specifically, the acquiring node acquires a verification result of the receivable service charge confirmation information corresponding to the first transaction information, and if the verification result is verification failure, which indicates that the receivable service charge confirmation information has a safety problem, the receivable service charge confirmation information corresponding to the first transaction information is verified failure, and a transaction failure prompt message is returned to the transaction terminal.

and sending the transaction record corresponding to the first transaction information and the detail of the receivable service fee to the third-party clearing node.

Specifically, after the acquiring node returns the transaction success prompt information to the transaction terminal and the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information are uplink-stored, the transaction record and the receivable service charge detail corresponding to the first transaction information may be sent to the third-party clearing node, so that the third-party clearing node periodically performs fund clearing for each party involved in the transaction according to the transaction record and the receivable service charge detail corresponding to the first transaction information. The transaction record corresponding to the first transaction information includes, but is not limited to, a payment bill including an actual payment amount, a bill receivable by a merchant, and the like, and is set as required, which is not limited in the embodiment of the present invention.

The following describes an implementation process of the transaction processing method based on blockchain according to an embodiment of the present invention.

The consumer X purchases a product at the merchant Y, and the original price of the product is 1200 Yuan. Merchant Y is conducting the offer, full 1000 Yuan minus 100 Yuan. And the consumer X uses the credit card of the card issuer I to pay through the third party payment platform H, and the credit card of the card issuer I carries out preferential treatment, wherein the preferential treatment is carried out between 1000 yuan and 100 yuan. The bill collecting service fee charging rule is that the bill collecting service fee Q is 1 percent of the bill collecting amount P, the service fee A which the card sender should collect is 73 percent of the bill collecting service fee Q, the service fee B which the acquirer should collect is 9 percent of the bill collecting service fee Q, the service fee C which the clearing party should collect is 9 percent of the bill collecting service fee Q, and the service fee B which the third party payment platform should collect is 9 percent of the bill collecting service fee Q.

And the payment two-dimensional code on the smart phone scanned by the cashier desk of the merchant Y sends first transaction information to the acquiring node, wherein the first transaction information comprises the merchant identification of the merchant Y, the third party payment platform identification of the third party payment platform H, the card issuer identification of the card issuer I and the transaction amount of 1200 yuan.

After receiving the first transaction information, the acquiring node queries the preferential intelligent contract of 1000 yuan minus 100 yuan according to the merchant identifier of the merchant Y, and queries the preferential intelligent contract of 1000 yuan minus 100 yuan according to the issuer identifier of the issuer I. The acquiring node calculates the benefit amount to be 100+100=200 yuan, and calculates the actual payment amount to be 1200-200=1000 yuan. The acquiring node carries the discount amount of 200 yuan on the second transaction information and returns the second transaction information to the cashier desk of the merchant Y, the cashier desk of the merchant Y displays the actual payment amount of 1000 yuan and the discount amount of 200 yuan, the cashier desk of the merchant Y sends a transaction payment request to the third-party payment platform node H corresponding to the third-party payment platform H, and the transaction payment request comprises the actual payment amount of 1000 yuan. And the third party payment platform node h sends a payment confirmation request to the smart phone of the consumer X, and the consumer X inputs a payment password on the smart phone to confirm the payment. And after receiving the payment confirmation information sent by the smart phone, the third-party payment platform node h sends transaction payment confirmation information to the acquiring node.

And the order receiving node calculates the order receiving amount P equal to the transaction amount minus the merchant preferential amount, namely 1200-100=1100. And (3) calculating the service charge Q =1100x1% =11 yuan, and then calculating the service charge A to be received by the card sender to be 8 yuan, the service charge B to be received by the acquirer to be 1 yuan, the service charge C to be received by the clearance to be 1 yuan, and the service charge B to be received by the third party payment platform to be 1 yuan (the numerical values are all rounded). The amount of money which the merchant should receive is 1100-11=1089 yuan, and the issuer account pays 100 yuan. The acquiring node generates the detail of the receivable service charge corresponding to the first transaction information, wherein the detail of the receivable service charge comprises the detail of the service charge receivable by the card issuing party, the detail of the service charge receivable by the acquirer, the detail of the service charge receivable by the clearing party and the detail of the service charge receivable by the third party payment platform.

And the order receiving node broadcasts an order receiving service charge confirmation request in the blockchain network, wherein the order receiving service charge confirmation request comprises the details of the service charge to be received and the identification of the order receiving service party corresponding to the first transaction information, and the identification of the order receiving service party comprises the card sender identification of the card sender I, the third party payment platform identification of the third party payment platform H and the third party clearing identification G of the clearing party G. And the card sender node of the card sender I, the third party payment platform H, the third party payment platform node and the third party clearing node of the clearing party G respectively confirm the details of the service charge to be received, and broadcast service charge confirmation information after the confirmation is passed. The card issuer node can also check the current status and available limit of the credit card. The node corresponding to each order receiving service party can also confirm the validity of the preferential intelligent contract.

And after receiving the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information, the acquiring node verifies the receivable service charge confirmation information corresponding to the first transaction information. And after the acknowledgement information of the receivable service fee corresponding to the first transaction information passes the verification, returning a transaction success prompt message to the transaction terminal and linking and storing the transaction payment acknowledgement information and the acknowledgement information of the receivable service fee corresponding to the first transaction information.

Fig. 4 is a schematic structural diagram of a transaction processing apparatus based on a blockchain according to a fourth embodiment of the present invention, as shown in fig. 4, the transaction processing apparatus based on a blockchain according to the present invention includes a receiving module 401, an inquiring module 402, a calculating module 403, a broadcasting module 404, an authenticating module 405, and a chain-up module 406, where:

the receiving module 401 is configured to receive first transaction information sent by a transaction terminal, where the first transaction information includes a merchant identifier, a third-party payment platform identifier, a card issuer identifier, and a transaction amount; the query module 402 is configured to query a corresponding discount intelligent contract according to the merchant identifier, the third-party payment platform identifier, and the card issuer identifier to obtain a discount amount, and return second transaction information to the transaction terminal, where the second transaction information includes the discount amount; wherein the preferential intelligent contract is obtained in advance; the calculating module 403 is configured to calculate to obtain details of service charge receivable corresponding to the first transaction information according to the transaction amount, the discount amount, and a charging rule of service charge for receiving orders; wherein the billing service fee charging rule is preset; the broadcasting module 404 is configured to broadcast a bill collecting service fee confirmation request in the blockchain network so that the bill collecting service party confirms the details of the receivable service fee, where the bill collecting service fee confirmation request includes the details of the receivable service fee and the bill collecting service party identifier corresponding to the first transaction information; the verification module 405 is configured to verify the receivable service charge confirmation information corresponding to the first transaction information if the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information are received; the uplink module 406 is configured to return a transaction success prompt message to the transaction terminal and uplink store the transaction payment confirmation message and the receivable service fee confirmation message corresponding to the first transaction information if it is known that the receivable service fee confirmation message corresponding to the first transaction information passes verification.

Specifically, when performing transaction payment, the transaction terminal sends first transaction information to the receiving module 401, where the first transaction information includes transaction information such as a merchant identifier, a third-party payment platform identifier, an issuer identifier, and a transaction amount, and the transaction information is set according to actual needs, which is not limited in the embodiment of the present invention. The receiving module 401 receives the first transaction information. The merchant identification corresponds to the merchant one by one, the third-party payment platform identification corresponds to the third-party payment platform one by one, and the card issuer identification corresponds to the payee one by one. The merchant identification may be a unique code for the merchant. The third party payment platform identification and the card issuer identification include but are not limited to bank codes and the like. The transaction terminal may be a cash register or a server of a shopping website, and the embodiments of the present invention are not limited thereto.

The query module 402 queries the preferential intelligent contract corresponding to the merchant identifier according to the merchant identifier, queries the preferential intelligent contract corresponding to the third-party payment platform according to the third-party payment platform identifier, queries the preferential intelligent contract corresponding to the card issuer identifier according to the card issuer identifier, and calculates the preferential amount according to the queried preferential intelligent contract. The inquiry module 402 carries the discount amount in the second transaction information and returns the second transaction information to the transaction terminal, and the transaction terminal subtracts the discount amount from the transaction amount to obtain the actual payment amount for the customer to confirm. And after the customer confirms, carrying the actual payment amount in a transaction payment request and sending the transaction payment request to the third party payment platform node so as to pay the actual payment amount. And after the third-party payment platform node completes the transaction payment, sending transaction payment confirmation information to the acquiring node. And each preferential intelligent contract is preset and uploaded to the block chain network. The actual payment amount is equal to the transaction amount minus the offer amount.

The calculating module 403 calculates the service fees receivable by each service party involved in the transaction according to the transaction amount, the preferential amount and the receipt service fee collecting rule, and obtains details of the service fees receivable corresponding to the first transaction information. Wherein the billing service fee charging rule is preset.

The broadcasting module 404 broadcasts an order-receiving service charge confirmation request in the blockchain network, where the order-receiving service charge confirmation request includes the details of the service charge to be received and the identification of the order-receiving service party corresponding to the first transaction information. After receiving the receipt service charge confirmation request, other nodes in the blockchain network judge whether the receipt service party identifier corresponding to the first transaction information is the same as the local identifier, if so, confirm the detail of the receivable service charge corresponding to the first transaction information, and after determining that no error exists, broadcast the receivable service charge confirmation information in the blockchain network, wherein the receivable service charge confirmation information carries the signature information of the receipt service party. The order receiving service side comprises an issuer, an acquirer, a clearing party, a third-party payment platform and the like, and the setting is carried out according to actual needs, and the embodiment of the invention is not limited.

After receiving the transaction payment confirmation information and the receivable service fee confirmation information corresponding to the first transaction information, the verification module 405 verifies the receivable service fee confirmation information corresponding to the first transaction information. The signature information of the order receiving service party carried by the service charge confirmation information can be verified, so that the verification of the service charge confirmation information is realized. The generation and verification process of the signature information is not described in detail here.

The uplink module 406 obtains a verification result of the receivable service charge confirmation information corresponding to the first transaction information, if the verification result is that the verification is passed, the receivable service charge confirmation information corresponding to the first transaction information is verified, and the uplink module 406 returns a transaction success prompt message to the transaction terminal. The uplink module 406 further uplink-stores the transaction payment confirmation information and the receivable service charge confirmation information corresponding to the first transaction information.

Fig. 5 is a schematic structural diagram of a transaction processing apparatus based on a blockchain according to a fifth embodiment of the present invention, as shown in fig. 5, on the basis of the foregoing embodiments, further, the transaction processing apparatus based on a blockchain according to the embodiment of the present invention further includes a merchant profile broadcasting module 407, a confirmation information receiving module 408, and a determining module 409, where:

the merchant file broadcasting module 407 is configured to broadcast merchant file pre-uplink information in a blockchain network, where the merchant file pre-uplink information includes document creation signature information and at least one third-party payment platform identifier; the confirmation information receiving module 408 is configured to receive merchant archive confirmation information broadcasted by a third party payment platform node corresponding to the at least one third party payment platform identifier, where the merchant archive confirmation information includes third party payment platform signature information; the merchant archive confirmation information is broadcasted after the third party payment platform node corresponding to the third party payment platform identification passes the verification of the filing signature information; the determining module 409 is configured to chain store the merchant file pre-chaining information and the merchant file confirmation information corresponding to the verified payment platform signature information after determining that the at least one third-party payment platform signature information passes verification.

On the basis of the foregoing embodiments, further, the query module 402 is specifically configured to:

On the basis of the foregoing embodiments, further, the transaction processing apparatus based on a blockchain provided in an embodiment of the present invention further includes a return module, where:

and the first returning module is used for returning transaction failure prompt information to the transaction terminal if transaction payment confirmation information or receivable service charge confirmation information corresponding to the first transaction information is not received.

On the basis of the foregoing embodiments, further, the block chain-based transaction processing apparatus provided in the embodiment of the present invention further includes a second returning module, where:

and the second returning module is used for returning transaction failure prompt information to the transaction terminal after judging that the verification of the receivable service charge confirmation information corresponding to the first transaction information fails.

On the basis of the foregoing embodiments, further, the transaction processing apparatus based on a blockchain according to an embodiment of the present invention further includes a sending module, where:

and the sending module is used for sending the transaction record corresponding to the first transaction information and the detail of the receivable service fee to the third-party clearing node.

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments.

It should be noted that the method and the device for transaction processing based on the blockchain provided by the embodiment of the present invention can be used in the financial field, and can also be used in any technical field except the financial field.

Fig. 6 is a schematic physical structure diagram of an electronic device according to a sixth embodiment of the present invention, and as shown in fig. 6, the electronic device may include: a processor (processor) 601, a communication Interface (Communications Interface) 602, a memory (memory) 603 and a communication bus 604, wherein the processor 601, the communication Interface 602 and the memory 603 complete communication with each other through the communication bus 604. The processor 601 may call logic instructions in the memory 603 to perform the following method: receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third-party payment platform identifier, a card issuer identifier and a transaction amount; inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance; calculating and obtaining the detail of the receivable service fee corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collecting rule; wherein the bill collecting service fee collecting rule is preset; broadcasting a bill collecting service fee confirmation request in a blockchain network so that a bill collecting service party confirms the bill collecting service fee detail, wherein the bill collecting service fee confirmation request comprises the bill collecting service fee detail and the bill collecting service party identification corresponding to the first transaction information; if transaction payment confirmation information and receivable service charge confirmation information corresponding to the first transaction information are received, verifying the receivable service charge confirmation information corresponding to the first transaction information; and if the acknowledgement information of the receivable service fee corresponding to the first transaction information is verified, returning a transaction success prompt message to the transaction terminal and performing uplink storage on the transaction payment acknowledgement information and the acknowledgement information of the receivable service fee corresponding to the first transaction information.

In addition, the logic instructions in the memory 603 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiment discloses a computer program product comprising a computer program stored on a computer-readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, including: receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third-party payment platform identifier, a card issuer identifier and a transaction amount; inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance; calculating and obtaining the detail of the service charge to be received corresponding to the first transaction information according to the transaction amount, the preferential amount and a charging rule of the service charge to be received; wherein the bill collecting service fee collecting rule is preset; broadcasting a bill collecting service fee confirmation request in a blockchain network so that a bill collecting service party confirms the bill collecting service fee detail, wherein the bill collecting service fee confirmation request comprises the bill collecting service fee detail and the bill collecting service party identification corresponding to the first transaction information; if transaction payment confirmation information and receivable service charge confirmation information corresponding to the first transaction information are received, verifying the receivable service charge confirmation information corresponding to the first transaction information; and if the acknowledgement information of the receivable service fee corresponding to the first transaction information is verified, returning a transaction success prompt message to the transaction terminal and performing uplink storage on the transaction payment acknowledgement information and the acknowledgement information of the receivable service fee corresponding to the first transaction information.

The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the foregoing method embodiments, for example, the method includes: receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third-party payment platform identifier, a card issuer identifier and a transaction amount; inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance; calculating and obtaining the detail of the receivable service fee corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collecting rule; wherein the billing service fee charging rule is preset; broadcasting a bill collecting service fee confirmation request in a blockchain network so that a bill collecting service party confirms the bill collecting service fee detail, wherein the bill collecting service fee confirmation request comprises the bill collecting service fee detail and the bill collecting service party identification corresponding to the first transaction information; if transaction payment confirmation information and receivable service charge confirmation information corresponding to the first transaction information are received, verifying the receivable service charge confirmation information corresponding to the first transaction information; and if the acknowledgement information of the receivable service fee corresponding to the first transaction information is verified, returning a transaction success prompt message to the transaction terminal and performing uplink storage on the transaction payment acknowledgement information and the acknowledgement information of the receivable service fee corresponding to the first transaction information.

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

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

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

receiving first transaction information sent by a transaction terminal, wherein the first transaction information comprises a merchant identifier, a third-party payment platform identifier, a card issuer identifier and a transaction amount;

5, inquiring a corresponding preferential intelligent contract according to the merchant identification, the third-party payment platform identification and the card issuer identification to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance;

calculating and obtaining the detail of the receivable service fee corresponding to the first transaction information according to the transaction amount, the preferential amount and a receipt service fee collecting rule; wherein the bill collecting service fee collecting rule is preset;

broadcasting a bill collecting service fee confirmation request in a blockchain network so that a bill collecting service party confirms a bill collecting service fee detail, wherein the bill collecting service fee confirmation request comprises the bill collecting service fee detail and a bill collecting service party identifier corresponding to the first transaction information;

and 15, if the acknowledgement information of the service charge receivable corresponding to the first transaction information is verified, returning a transaction success prompt message to the transaction terminal and uplink-storing the transaction payment acknowledgement information and the acknowledgement information of the service charge receivable corresponding to the first transaction information.

2. The method of claim 1, further comprising:

broadcasting merchant file pre-uplink information in a block chain network, wherein the merchant file pre-uplink information comprises 20 pieces of information of a file building label and at least one third-party payment platform identifier;

receiving merchant file confirmation information broadcast by a third party payment platform node corresponding to the at least one third party payment platform identifier, wherein the merchant file confirmation information comprises third party payment platform signature information; the merchant archive confirmation information is broadcasted after the third party payment platform node corresponding to the third party payment platform identification passes the verification of the filing signature information;

and 25, if the verification of the signature information of at least one third-party payment platform is judged to pass, uplink storage is carried out on the merchant file pre-uplink information and the merchant file confirmation information corresponding to the payment platform signature information passing the verification.

3. The method of claim 1, wherein querying a corresponding offer intelligent contract according to the merchant identifier, the third party payment platform identifier, and the card issuer identifier to obtain an offer amount comprises:

4. The method of claim 1, wherein querying a corresponding offer intelligent contract according to the merchant identifier, the third party payment platform identifier, and the card issuer identifier to obtain an offer amount comprises:

5. The method of claim 1, further comprising:

6. The method of claim 1, further comprising:

7. The method of any of claims 1 to 4, further comprising:

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

the inquiry module is used for inquiring the corresponding preferential intelligent contract according to the merchant identification, the third party payment platform identification and the card issuer identification so as to obtain preferential amount, and returning second transaction information to the transaction terminal, wherein the second transaction information comprises the preferential amount; wherein the preferential intelligent contract is obtained in advance;

the calculation module is used for calculating and obtaining the detail of the service charge to be received corresponding to the first transaction information according to the transaction amount, the discount amount and the charging rule of the service charge to be received; wherein the bill collecting service fee collecting rule is preset;

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 7.

11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.