本發明實施例提供了一種帳單分期事件的記錄和查詢方法、裝置及電子設備，以解決現有技術中分期付款的支付方式對於用戶而言需要一定的信用門檻的問題。
為解決上述技術問題，本發明實施例是這樣實現的：
第一方面，提出了一種帳單分期事件的記錄方法，所述方法應用於支付平臺，所述方法包括：
基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
第二方面，提出了一種帳單分期記錄的查詢方法，所述方法應用於區塊鏈中的公證節點，所述方法包括：
透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
基於所述查詢請求，從所述區塊鏈中讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
第三方面，提出了一種帳單分期事件的記錄裝置，包括：
第一上傳單元，基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
第一獲取單元，獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
第二上傳單元，在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
第二獲取單元，獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
第四方面，提出了一種帳單分期記錄的查詢裝置，包括：
獲取單元，透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
下載單元，基於所述查詢請求，從所述區塊鏈中下載並讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
第五方面，提出了一種電子設備，該電子設備包括：
處理器；以及
被安排成儲存電腦可執行指令的記憶體，所述可執行指令在被執行時使所述處理器執行以下操作：
基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
第六方面，提出了一種電腦可讀儲存媒體，所述電腦可讀儲存媒體儲存一個或多個程式，所述一個或多個程式當被包括多個應用程式的電子設備執行時，使得所述電子設備執行以下操作：
基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
第七方面，提出了一種電子設備，該電子設備包括：
處理器；以及
被安排成儲存電腦可執行指令的記憶體，所述可執行指令在被執行時使所述處理器執行以下操作：
透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
基於所述查詢請求，從所述區塊鏈中讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
第八方面，提出了一種電腦可讀儲存媒體，所述電腦可讀儲存媒體儲存一個或多個程式，所述一個或多個程式當被包括多個應用程式的電子設備執行時，使得所述電子設備執行以下操作：
透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
基於所述查詢請求，從所述區塊鏈中讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
本發明實施例採用上述技術方案至少可以達到下述技術效果：
在用戶與商家針對目標帳單約定了分期支付之後，能夠基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳目標帳單的分期記錄到區塊鏈中，並能夠獲取並記錄區塊鏈返回的基於目標帳單的分期記錄處理得到的第一雜湊值，以便區塊鏈的公證節點能夠查詢到與該第一雜湊值相對應的目標帳單的分期記錄；再在目標帳單的分期帳單到期後，基於商家在用戶的約定還款帳戶中的款項扣除事件，透過區塊鏈的預設介面上傳目標帳單的還款記錄到區塊鏈中，並可以獲取並記錄區塊鏈返回的基於目標帳單的還款記錄處理得到的第二雜湊值，以便區塊鏈的公證節點能夠查詢到與第二雜湊值相對應的款項扣除記錄。由於用戶與商家之間可以直接約定如何進行分期支付，降低了用戶使用分期付款支付功能的門檻，也降低了出現支付糾紛時的取證難度。Embodiments of the present invention provide a method and apparatus for recording and inquiring bill instalment events, and electronic equipment to solve the problem that the payment method of instalment payments in the prior art requires a certain credit threshold for users.
To solve the above technical problems, the embodiments of the present invention are implemented as follows:
In the first aspect, a method for recording a bill instalment event is proposed. The method is applied to a payment platform. The method includes:
Based on the instalment event agreed between the user and the merchant for the target bill, upload the instalment record of the target bill to the blockchain through the default interface of the blockchain;
Obtain and record the first hash value returned by the blockchain, the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the notary node of the blockchain can Query the installment record of the target bill corresponding to the first hash value;
After the installment bill of the target bill expires, based on the merchant's deduction event in the user's agreed repayment account, upload the target bill's account through the default interface of the blockchain Repayments are recorded in the blockchain;
Obtain and record the second hash value returned by the blockchain, the second hash value is obtained by the blockchain based on the repayment record processing of the target bill, so that the blockchain notary node The amount deduction record corresponding to the second hash value can be queried.
In the second aspect, a method for querying bill instalment records is proposed. The method is applied to a notary node in a blockchain. The method includes:
Obtain query requests from users and/or merchants for billing records of target bills through the default interface of the blockchain;
Based on the query request, a billing record corresponding to the hash value carried by the query request is read from the blockchain.
In the third aspect, a device for recording bill instalment events is proposed, including:
The first uploading unit uploads the installment record of the target bill to the blockchain through the preset interface of the blockchain based on the bill installment event agreed between the user and the merchant for the target bill;
The first obtaining unit obtains and records the first hash value returned by the blockchain, and the first hash value is obtained by the installment record processing of the blockchain based on the target bill, so that the block The notary node of the chain can query the installment record of the target bill corresponding to the first hash value;
The second uploading unit uploads the website through the default interface of the blockchain based on the event of deduction of the merchant’s payment in the user’s agreed repayment account after the installment bill of the target bill expires The repayment of the target bill is recorded in the blockchain;
The second obtaining unit obtains and records the second hash value returned by the blockchain, and the second hash value is obtained by the blockchain based on the repayment record processing of the target bill, so that the area The notary node of the blockchain can query the deduction record corresponding to the second hash value.
In the fourth aspect, a query device for instalment records of bills is proposed, including:
The obtaining unit obtains the query request of the user and/or merchant's billing record for the target billing through the preset interface of the blockchain;
The downloading unit downloads and reads the billing record corresponding to the hash value carried in the query request from the blockchain based on the query request.
In a fifth aspect, an electronic device is proposed. The electronic device includes:
Processor; and
A memory arranged to store computer executable instructions that, when executed, causes the processor to perform the following operations:
Based on the instalment event agreed between the user and the merchant for the target bill, upload the instalment record of the target bill to the blockchain through the default interface of the blockchain;
Obtain and record the first hash value returned by the blockchain, the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the notary node of the blockchain can Query the installment record of the target bill corresponding to the first hash value;
After the installment bill of the target bill expires, based on the merchant's deduction event in the user's agreed repayment account, upload the target bill's account through the default interface of the blockchain Repayments are recorded in the blockchain;
Obtain and record the second hash value returned by the blockchain, the second hash value is obtained by the blockchain based on the repayment record processing of the target bill, so that the blockchain notary node The amount deduction record corresponding to the second hash value can be queried.
According to a sixth aspect, a computer-readable storage medium is proposed. The computer-readable storage medium stores one or more programs that, when executed by an electronic device including multiple application programs, cause the The electronic device performs the following operations:
Based on the instalment event agreed between the user and the merchant for the target bill, upload the instalment record of the target bill to the blockchain through the default interface of the blockchain;
Obtain and record the first hash value returned by the blockchain, the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the notary node of the blockchain can Query the installment record of the target bill corresponding to the first hash value;
After the installment bill of the target bill expires, based on the merchant's deduction event in the user's agreed repayment account, upload the target bill's account through the default interface of the blockchain Repayments are recorded in the blockchain;
Obtain and record the second hash value returned by the blockchain, the second hash value is obtained by the blockchain based on the repayment record processing of the target bill, so that the blockchain notary node The amount deduction record corresponding to the second hash value can be queried.
According to a seventh aspect, an electronic device is proposed. The electronic device includes:
Processor; and
A memory arranged to store computer executable instructions that, when executed, causes the processor to perform the following operations:
Obtain query requests from users and/or merchants for billing records of target bills through the default interface of the blockchain;
Based on the query request, a billing record corresponding to the hash value carried by the query request is read from the blockchain.
According to an eighth aspect, a computer-readable storage medium is proposed. The computer-readable storage medium stores one or more programs, which when executed by an electronic device including a plurality of application programs, cause the The electronic device performs the following operations:
Obtain query requests from users and/or merchants for billing records of target bills through the default interface of the blockchain;
Based on the query request, a billing record corresponding to the hash value carried by the query request is read from the blockchain.
The embodiments of the present invention adopt the above technical solution to at least achieve the following technical effects:
After the user and the merchant have agreed on the installment payment for the target bill, the installment record of the target bill can be uploaded to the blockchain through the preset interface of the blockchain based on the bill installment event agreed by the user and the merchant for the target bill , And can obtain and record the first hash value returned by the blockchain based on the target bill instalment record processing, so that the notary node of the blockchain can query the instalment of the target bill corresponding to the first hash value Record; then after the instalment of the target bill expires, based on the merchant’s deduction event in the user’s agreed repayment account, upload the repayment record of the target bill to the blockchain through the default interface of the blockchain , And can obtain and record the second hash value returned by the blockchain based on the target bill repayment record processing, so that the notary node of the blockchain can query the deduction record corresponding to the second hash value. Since the user and the merchant can directly agree on how to pay in installments, the threshold for users to use the installment payment function is reduced, and the difficulty of obtaining evidence in the event of payment disputes is also reduced.
為使本發明的目的、技術方案和優點更加清楚，下面將結合本發明具體實施例及相應的圖式對本發明技術方案進行清楚、完整地描述。顯然，所描述的實施例僅是本發明一部分實施例，而不是全部的實施例。基於本發明中的實施例，本領域普通技術人員在沒有做出創造性勞動前提下所獲得的所有其他實施例，都屬於本發明保護的範圍。
以下結合圖式，詳細說明本發明各實施例提供的技術方案。
為解決現有技術中分期付款的支付方式對於用戶而言需要一定的信用門檻的問題，本說明書實施例提供一種帳單分期事件的記錄方法。本說明書實施例提供的方法的執行主體可以但不限於交易伺服器等能夠被配置為執行本發明實施例提供的該方法裝置中的至少一種。
為便於描述，下文以該方法的執行主體為能夠執行該方法的交易伺服器為例，對該方法的實施方式進行介紹。可以理解，該方法的執行主體為交易伺服器只是一種示例性的說明，並不應理解為對該方法的限定。
具體地，本說明書一個或多個實施例提供的一種帳單分期事件的記錄方法的實現流程示意圖如圖1所示，包括：
步驟110，基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳目標帳單的分期記錄到區塊鏈中。
應理解，為了便於後期出現目標帳單的分期糾紛時，核實目標帳單，上述目標帳單的分期記錄至少包括下述至少一種資訊：
用戶的標識資訊；
商家的標識資訊；
目標帳單的標識資訊；
目標帳單的分期數量；
分期後的目標帳單的每期帳單的到期時間；
分期後的目標帳單的每期帳單的還款數額；
用戶的約定還款帳戶。
可選地，為了提高目標帳單的分期記錄的安全性，基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳目標帳單的分期記錄到區塊鏈中，包括：
基於用戶與商家針對目標帳單約定的帳單分期事件，獲取目標帳單的分期記錄；
對目標帳單的分期記錄進行加密處理，以獲取加密處理後的目標帳單的分期記錄；
透過區塊鏈的預設介面上傳加密處理後的目標帳單的分期記錄到區塊鏈中。
其中，對目標帳單的分期記錄進行加密處理，具體可以將目標帳單的分期記錄透過MD5等雜湊演算法來加密。
步驟120，獲取並記錄區塊鏈返回的第一雜湊值，第一雜湊值為區塊鏈基於目標帳單的分期記錄處理得到的，以便區塊鏈的公證節點能夠查詢到與第一雜湊值相對應的目標帳單的分期記錄。
應理解，為便於查詢區塊鏈中記錄的目標帳單的分期記錄，交易伺服器中可以記錄第一雜湊值與目標帳單的分期記錄之間的對應關係，比如可以在有關目標帳單的還款狀態的資料表中設置一個分期記錄欄位用於儲存該第一雜湊值，或者還可以透過其他方式來儲存該第一雜湊值，只要能夠體現該第一雜湊值與目標帳單的分期記錄的對應關係即可。
其中，該第一雜湊值可以是區塊鏈基於目標帳單的分期記錄透過雜湊演算法處理得到的。
步驟130，在目標帳單的分期帳單到期後，基於商家在用戶的約定還款帳戶中的款項扣除事件，透過區塊鏈的預設介面上傳目標帳單的還款記錄到區塊鏈中。
應理解，為了便於後期出現還款糾紛時，核實目標帳單的還款情況，上述目標帳單的還款記錄至少包括下述至少一種資訊：
用戶的標識資訊；
商家的標識資訊；
目標帳單的標識資訊；
目標帳單的分期還款期數；
目標帳單的分期還款數額；
商家從用戶的約定還款帳戶中的款項扣除情況。
其中，商家從用戶的約定還款帳戶中的款項扣除情況可以包括兩種情況：即款項扣除成功和款項扣除失敗。
可選地，為了提高目標帳單的還款記錄的安全性，基於商家在用戶的約定還款帳戶中的款項扣除事件，透過區塊鏈的預設介面上傳目標帳單的還款記錄到區塊鏈中，具體可以包括下述步驟：
基於商家在用戶的約定還款帳戶中的款項扣除事件，獲取目標帳單的還款記錄；
對目標帳單的還款記錄進行加密處理，以獲取加密處理後的所述目標帳單的還款記錄。
其中，對目標帳單的還款記錄進行加密處理，具體可以將目標帳單的還款記錄透過MD5等雜湊演算法來加密。
步驟140，獲取並記錄區塊鏈返回的第二雜湊值，第二雜湊值為區塊鏈基於目標帳單的還款記錄處理得到的，以便區塊鏈的公證節點能夠查詢到與第二雜湊值相對應的款項扣除記錄。
應理解，為便於查詢區塊鏈中記錄的目標帳單的還款記錄，交易伺服器中可以記錄第一雜湊值與目標帳單的還款記錄之間的對應關係，比如可以在有關目標帳單的還款狀態的資料表中設置一個還款記錄欄位用於儲存該第一雜湊值，或者還可以透過其他方式來儲存該第一雜湊值，只要能夠體現該第一雜湊值與目標帳單的還款記錄的對應關係即可。
其中，該第一雜湊值可以是區塊鏈基於目標帳單的還款記錄透過雜湊演算法處理得到的。
下面以圖2所示的應用場景為例，對本說明書提供的帳單分期事件的記錄方法進行詳細說明，如圖2所示，包括下述主要步驟：
步驟21，商家與用戶針對目標帳單約定分期付款，其中，所約定的目標帳單的分期付款資訊包括目標帳單的分期數量、分期後的目標帳單的每期帳單的到期時間、分期後的目標帳單的每期帳單的還款數額以及用戶的約定還款帳戶；
步驟22，交易伺服器將目標帳單的分期記錄向區塊鏈提交上鏈，所提交的目標帳單的分期記錄中包括商家的標識資訊、用戶的標識資訊、目標帳單的標識資訊、目標帳單的分期數量、分期後的目標帳單的每期帳單的到期時間、分期後的目標帳單的每期帳單的還款數額以及用戶的約定還款帳戶；
其中，商家的標識資訊和用戶的標識資訊，具體可以在該商家和該用戶在該交易伺服器上註冊帳號時獲取。為便於後期出現還款糾紛時進行取證，該商家的標識消息可以是該商家的實名身分資訊，比如可以是與身分證號等唯一的標識相對應的身分標識，同樣地，該用戶的標識資訊可以是該用戶的實名身分資訊，比如也可以是與身分證號等唯一的標識相對應的身分標識。
步驟23，區塊鏈向交易伺服器返回第一雜湊值，該第一雜湊值為區塊鏈基於目標帳單的分期記錄雜湊處理得到的，以便區塊鏈中的公證節點能夠基於該第一雜湊值，獲取與該第一雜湊值對應的帳單分期記錄；
步驟24，在目標帳單的分期帳單到期後，基於商家在用戶的約定還款帳戶中的款項扣除事件，透過區塊鏈的預設介面上傳目標帳單的還款記錄到區塊鏈中；
步驟25，區塊鏈向交易伺服器返回第二雜湊值，該第二雜湊值為區塊鏈基於目標帳單的還款記錄雜湊處理得到的，以便區塊鏈中的公證節點能夠基於該第二雜湊值，獲取與該第二雜湊值對應的帳單還款記錄。
在用戶與商家針對目標帳單約定了分期支付之後，能夠基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳目標帳單的分期記錄到區塊鏈中，並能夠獲取並記錄區塊鏈返回的基於目標帳單的分期記錄處理得到的第一雜湊值，以便區塊鏈的公證節點能夠查詢到與該第一雜湊值相對應的目標帳單的分期記錄；再在目標帳單的分期帳單到期後，基於商家在用戶的約定還款帳戶中的款項扣除事件，透過區塊鏈的預設介面上傳目標帳單的還款記錄到區塊鏈中，並可以獲取並記錄區塊鏈返回的基於目標帳單的還款記錄處理得到的第二雜湊值，以便區塊鏈的公證節點能夠查詢到與第二雜湊值相對應的款項扣除記錄。由於用戶與商家之間可以直接約定如何進行分期支付，降低了用戶使用分期付款支付功能的門檻，也降低了出現支付糾紛時的取證難度。
圖3是本說明書提供的帳單分期記錄的查詢方法應用於區塊鏈中的公證節點的實現流程示意圖。請參考圖3，包括：
步驟310，透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單分期記錄的查詢請求；
應理解，為便於基於該查詢請求從區塊鏈中獲取到對應的資訊，該查詢請求中可以攜帶雜湊值，該雜湊值可以是區塊鏈基於帳單記錄雜湊處理得到的。
若上傳到區塊鏈中的目標帳單的帳單記錄是經過加密處理後的資源轉移記錄，為了能夠對上傳到區塊鏈中的目標帳單的帳單記錄進行驗證，該查詢請求中還可以攜帶該目標帳單的帳單記錄的原始資料，即該目標帳單的帳單記錄加密之前的資料。
步驟320，基於查詢請求，從區塊鏈中讀取與查詢請求攜帶的雜湊值相對應的帳單記錄。
可選地，與查詢請求攜帶的雜湊值相對應的帳單記錄包括下述至少一種記錄：
目標帳單的分期記錄；
目標帳單的還款記錄。
若上傳到區塊鏈中的目標帳單的帳單記錄是經過加密處理後的目標帳單的帳單記錄，為了能夠對上傳到區塊鏈中的目標帳單的帳單記錄進行驗證，區塊鏈中的公證節點可以透過對查詢請求中攜帶的目標帳單的帳單記錄的原始資料進行雜湊處理，以獲取經過雜湊處理後的字串，並將該字串與區塊鏈中儲存的與該目標帳單的帳單記錄相對應的字串進行對比；若兩者一致，則查詢請求中攜帶的目標帳單的帳單記錄的原始資料通過驗證，而若兩者不一致，則表明查詢請求中攜帶的目標帳單的帳單記錄的原始資料經過後期篡改，即不能通過驗證。
由於能夠透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單分期記錄的查詢請求，並基於查詢請求，從區塊鏈中讀取與查詢請求攜帶的雜湊值相對應的帳單分期記錄，從而能夠減小了還款發生糾紛的取證難度。
圖4是本說明書提供的帳單分期事件的記錄裝置400的結構示意圖。請參考圖4，在一種軟體實施方式中，帳單分期事件的記錄裝置400可包括第一上傳單元401、第一獲取單元402、第二上傳單元403和第二獲取單元404，其中：
第一上傳單元401，基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
第一獲取單元402，獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
第二上傳單元403，在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
第二獲取單元404，獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
可選地，在一種實施方式中，所述第一上傳單元401，用於：
基於用戶與商家針對目標帳單約定的帳單分期事件，獲取所述目標帳單的分期記錄；
對所述目標帳單的分期記錄進行加密處理，以獲取所述加密處理後的所述目標帳單的分期記錄；
透過區塊鏈的預設介面上傳所述加密處理後的所述目標帳單的分期記錄到區塊鏈中。
可選地，在一種實施方式中，所述第二上傳單元403，用於：
基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，獲取所述目標帳單的還款記錄；
對所述目標帳單的還款記錄進行加密處理，以獲取所述加密處理後的所述目標帳單的還款記錄。
可選地，在一種實施方式中，所述目標帳單的分期記錄至少包括下述至少一種資訊：
所述用戶的標識資訊；
所述商家的標識資訊；
所述目標帳單的標識資訊；
所述目標帳單的分期數量；
分期後的所述目標帳單的每期帳單的到期時間；
分期後的所述目標帳單的每期帳單的還款數額；
所述用戶的約定還款帳戶。
可選地，在一種實施方式中，所述目標帳單的還款記錄至少包括下述至少一種資訊：
所述用戶的標識資訊；
所述商家的標識資訊；
所述目標帳單的標識資訊；
所述目標帳單的分期還款期數；
所述目標帳單的分期還款數額；
所述商家從所述用戶的約定還款帳戶中的款項扣除情況。
帳單分期事件的記錄裝置400能夠實現圖1~圖2的方法實施例的方法，具體可參考圖1~圖2所示實施例的帳單分期事件的記錄方法，不再贅述。
圖5是本說明書提供的帳單分期記錄的查詢裝置500的結構示意圖。請參考圖5，在一種軟體實施方式中，帳單分期記錄的查詢裝置500可包括獲取單元501和下載單元502，其中：
獲取單元501，透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
下載單元502，基於所述查詢請求，從所述區塊鏈中下載並讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
可選地，在一種實施方式中，與所述查詢請求攜帶的雜湊值相對應的帳單記錄包括下述至少一種記錄：
所述目標帳單的分期記錄；
所述目標帳單的還款記錄。
帳單分期記錄的查詢裝置500能夠實現圖3的方法實施例的方法，具體可參考圖3所示實施例的帳單分期記錄的查詢方法，不再贅述。
圖6是本說明書的一個實施例提供的電子設備的結構示意圖。請參考圖6，在硬體層面，該電子設備包括處理器，可選地還包括內部匯流排、網路介面、記憶體。其中，記憶體可能包含內部記憶體，例如高速隨機存取記憶體(Random-Access Memory，RAM)，也可能還包括非易失性記憶體(non-volatile memory)，例如至少1個磁碟記憶體等。當然，該電子設備還可能包括其他業務所需要的硬體。
處理器、網路介面和記憶體可以透過內部匯流排相互連接，該內部匯流排可以是ISA(Industry Standard Architecture，工業標準架構)匯流排、PCI(Peripheral Component Interconnect，週邊組件互連)匯流排或EISA(Extended Industry Standard Architecture，延伸工業標準架構)匯流排等。所述匯流排可以分為位址匯流排、資料匯流排、控制匯流排等。為便於表示，圖6中僅用一個雙向箭頭表示，但並不表示僅有一根匯流排或一種類型的匯流排。
記憶體，用於存放程式。具體地，程式可以包括程式碼，所述程式碼包括電腦操作指令。記憶體可以包括內部記憶體和非易失性記憶體，並向處理器提供指令和資料。
處理器從非易失性記憶體中讀取對應的電腦程式到內部記憶體中然後運行，在邏輯層面上形成帳單分期事件的記錄裝置。處理器，執行記憶體所存放的程式，並具體用於執行以下操作：
基於用戶與商家針對目標帳單約定的帳單分期事件，透過區塊鏈的預設介面上傳所述目標帳單的分期記錄到區塊鏈中；
獲取並記錄所述區塊鏈返回的第一雜湊值，所述第一雜湊值為所述區塊鏈基於所述目標帳單的分期記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第一雜湊值相對應的所述目標帳單的分期記錄；
在所述目標帳單的分期帳單到期後，基於所述商家在所述用戶的約定還款帳戶中的款項扣除事件，透過所述區塊鏈的預設介面上傳所述目標帳單的還款記錄到所述區塊鏈中；
獲取並記錄所述區塊鏈返回的第二雜湊值，所述第二雜湊值為所述區塊鏈基於所述目標帳單的還款記錄處理得到的，以便所述區塊鏈的公證節點能夠查詢到與所述第二雜湊值相對應的款項扣除記錄。
上述如本說明書圖1~圖2所示實施例揭示的帳單分期事件的記錄方法可以應用於處理器中，或者由處理器實現。處理器可能是一種積體電路晶片，具有信號的處理能力。在實現過程中，上述方法的各步驟可以透過處理器中的硬體的積體邏輯電路或者軟體形式的指令完成。上述的處理器可以是通用處理器，包括中央處理器(Central Processing Unit，CPU)、網路處理器(Network Processor，NP)等；還可以是數位訊號處理器(Digital Signal Processor，DSP)、專用積體電路(Application Specific Integrated Circuit，ASIC)、現場可程式設計閘陣列(Field－Programmable Gate Array，FPGA)或者其他可程式設計邏輯裝置、分散式閘極或者電晶體邏輯裝置、分離的硬體元件。可以實現或者執行本說明書一個或多個實施例中的公開的各方法、步驟及邏輯方塊圖。通用處理器可以是微處理器或者該處理器也可以是任何常規的處理器等。結合本說明書一個或多個實施例所公開的方法的步驟可以直接體現為硬體解碼處理器執行完成，或者用解碼處理器中的硬體及軟體模組組合執行完成。軟體模組可以位於隨機記憶體，快閃記憶體、唯讀記憶體，可程式設計唯讀記憶體或者電可讀寫可程式設計記憶體、暫存器等本領域成熟的儲存媒體中。該儲存媒體位於記憶體，處理器讀取記憶體中的資訊，結合其硬體完成上述方法的步驟。
該電子設備還可執行圖1~圖2的帳單分期事件的記錄方法，本說明書在此不再贅述。
當然，除了軟體實現方式之外，本說明書的電子設備並不排除其他實現方式，比如邏輯裝置抑或軟硬體結合的方式等等，也就是說以下處理流程的執行主體並不限定於各個邏輯單元，也可以是硬體或邏輯裝置。
圖7是本說明書的一個實施例提供的電子設備的結構示意圖。請參考圖7，在硬體層面，該電子設備包括處理器，可選地還包括內部匯流排、網路介面、記憶體。其中，記憶體可能包含內部記憶體，例如高速隨機存取記憶體(Random-Access Memory，RAM)，也可能還包括非易失性記憶體(non-volatile memory)，例如至少1個磁碟記憶體等。當然，該電子設備還可能包括其他業務所需要的硬體。
處理器、網路介面和記憶體可以透過內部匯流排相互連接，該內部匯流排可以是ISA(Industry Standard Architecture，工業標準架構)匯流排、PCI(Peripheral Component Interconnect，週邊組件互連)匯流排或EISA(Extended Industry Standard Architecture，延伸工業標準架構)匯流排等。所述匯流排可以分為位址匯流排、資料匯流排、控制匯流排等。為便於表示，圖7中僅用一個雙向箭頭表示，但並不表示僅有一根匯流排或一種類型的匯流排。
記憶體，用於存放程式。具體地，程式可以包括程式碼，所述程式碼包括電腦操作指令。記憶體可以包括內部記憶體和非易失性記憶體，並向處理器提供指令和資料。
處理器從非易失性記憶體中讀取對應的電腦程式到內部記憶體中然後運行，在邏輯層面上形成帳單分期記錄的查詢裝置。處理器，執行內部記憶體所存放的程式，並具體用於執行以下操作：
透過區塊鏈的預設介面獲取用戶和/或商家針對目標帳單的帳單記錄的查詢請求；
基於所述查詢請求，從所述區塊鏈中下載並讀取與所述查詢請求攜帶的雜湊值相對應的帳單記錄。
上述如本說明書圖3所示實施例揭示的帳單分期記錄的查詢方法可以應用於處理器中，或者由處理器實現。處理器可能是一種積體電路晶片，具有信號的處理能力。在實現過程中，上述方法的各步驟可以透過處理器中的硬體的積體邏輯電路或者軟體形式的指令完成。上述的處理器可以是通用處理器，包括中央處理器(Central Processing Unit，CPU)、網路處理器(Network Processor，NP)等；還可以是數位訊號處理器(Digital Signal Processor，DSP)、專用積體電路(Application Specific Integrated Circuit，ASIC)、現場可程式設計閘陣列(Field－Programmable Gate Array，FPGA)或者其他可程式設計邏輯裝置、分散式閘極或者電晶體邏輯裝置、分離的硬體元件。可以實現或者執行本說明書一個或多個實施例中的公開的各方法、步驟及邏輯方塊圖。通用處理器可以是微處理器或者該處理器也可以是任何常規的處理器等。結合本說明書一個或多個實施例所公開的方法的步驟可以直接體現為硬體解碼處理器執行完成，或者用解碼處理器中的硬體及軟體模組組合執行完成。軟體模組可以位於隨機記憶體，快閃記憶體、唯讀記憶體，可程式設計唯讀記憶體或者電可讀寫可程式設計記憶體、暫存器等本領域成熟的儲存媒體中。該儲存媒體位於記憶體，處理器讀取記憶體中的資訊，結合其硬體完成上述方法的步驟。
該電子設備還可執行圖3的帳單分期記錄的查詢方法，本說明書在此不再贅述。
當然，除了軟體實現方式之外，本說明書的電子設備並不排除其他實現方式，比如邏輯裝置抑或軟硬體結合的方式等等，也就是說以下處理流程的執行主體並不限定於各個邏輯單元，也可以是硬體或邏輯裝置。
總之，以上所述僅為本說明書的較佳實施例而已，並非用於限定本說明書的保護範圍。凡在本說明書一個或多個實施例的精神和原則之內，所作的任何修改、等同替換、改進等，均應包含在本說明書一個或多個實施例的保護範圍之內。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦。具體的，電腦例如可以為個人電腦、膝上型電腦、行動電話、相機電話、智慧型電話、個人數位助理、媒體播放機、導航設備、電子郵件設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任何設備的組合。
電腦可讀媒體包括永久性和非永久性、抽取式和非抽取式媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存媒體的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式設計唯讀記憶體(EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁片儲存或其他磁性存放裝置或任何其他非傳輸媒體，可用於儲存可以被計算設備存取的資訊。按照本文中的界定，電腦可讀媒體不包括暫存電腦可讀媒體(transitory media)，如調變的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本說明書中的各個實施例均採用遞進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。To make the objectives, technical solutions, and advantages of the present invention clearer, the technical solutions of the present invention will be described clearly and completely in conjunction with specific embodiments of the present invention and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without making creative efforts fall within the protection scope of the present invention.
The technical solutions provided by the embodiments of the present invention are described in detail below with reference to the drawings.
In order to solve the problem that the payment method of installment payment in the prior art requires a certain credit threshold for the user, the embodiment of the present specification provides a method for recording a bill installment event. The execution body of the method provided by the embodiments of the present specification may be, but not limited to, a transaction server or the like, which can be configured to execute at least one of the method devices provided by the embodiments of the present invention.
For ease of description, the following will take the execution body of the method as a transaction server capable of executing the method as an example to introduce the implementation of the method. It can be understood that the execution subject of the method is a transaction server is only an exemplary description, and should not be understood as a limitation of the method.
Specifically, a schematic diagram of an implementation process of a method for recording a bill instalment event provided by one or more embodiments of this specification is shown in FIG. 1, including:
Step 110, based on the bill staging event agreed between the user and the merchant for the target bill, upload the staging record of the target bill to the blockchain through the preset interface of the blockchain.
It should be understood that, in order to facilitate later instalment disputes on the target bill, the target bill is verified, and the target bill's installment record includes at least one of the following information:
User's identification information;
Business identification information;
Identification information of the target bill;
The number of installments for the target bill;
The due time of each bill of the target bill after the installment;
The repayment amount of each bill of the target bill after the installment;
The user's agreed repayment account.
Optionally, in order to improve the security of the instalment record of the target bill, based on the instalment event agreed between the user and the merchant for the target bill, upload the instalment record of the target bill to the blockchain through the default interface of the blockchain Including:
Obtain the instalment record of the target bill based on the bill instalment event agreed between the user and the merchant for the target bill;
Encrypt the installment record of the target bill to obtain the installment record of the encrypted target bill;
Upload the instalment record of the encrypted target bill to the blockchain through the default interface of the blockchain.
Among them, the installment record of the target bill is encrypted, specifically, the installment record of the target bill can be encrypted by a hash algorithm such as MD5.
Step 120: Obtain and record the first hash value returned by the blockchain. The first hash value is obtained by the blockchain's instalment record processing based on the target bill, so that the notary node of the blockchain can query the first hash value. The installment record of the corresponding target bill.
It should be understood that, in order to facilitate querying the instalment record of the target bill recorded in the blockchain, the correspondence between the first hash value and the instalment record of the target bill can be recorded in the transaction server. An installment record field is set in the data table of the repayment status to store the first hash value, or the first hash value can also be stored in other ways, as long as it can reflect the installment of the first hash value and the target bill The corresponding relationship of the record is sufficient.
Wherein, the first hash value may be obtained by the hash algorithm based on the instalment records of the target bill of the blockchain.
Step 130: After the instalment bill of the target bill expires, upload the repayment record of the target bill to the blockchain through the default interface of the blockchain based on the merchant's deduction event in the user's agreed repayment account in.
It should be understood that, in order to facilitate later repayment disputes and verify the repayment of the target bill, the repayment record of the above target bill at least includes at least one of the following information:
User's identification information;
Business identification information;
Identification information of the target bill;
The number of installment repayment periods of the target bill;
Amortization amount of target bill;
The merchant deducts money from the user's agreed repayment account.
Among them, the merchant's deduction from the user's agreed repayment account may include two cases: namely, the successful deduction and the failed deduction.
Optionally, in order to improve the security of the repayment record of the target bill, based on the merchant’s deduction event in the user’s agreed repayment account, upload the repayment record of the target bill to the zone through the default interface of the blockchain The block chain can specifically include the following steps:
Obtain the repayment record of the target bill based on the merchant’s deduction event in the user’s agreed repayment account;
Encrypt the repayment record of the target bill to obtain the repayment record of the target bill after the encryption process.
Among them, the repayment record of the target bill is encrypted, specifically, the repayment record of the target bill can be encrypted by a hash algorithm such as MD5.
Step 140: Obtain and record the second hash value returned by the blockchain. The second hash value is obtained from the blockchain's repayment record processing based on the target bill, so that the notary node of the blockchain can query the second hash Deduction records corresponding to the value.
It should be understood that, in order to facilitate querying the repayment record of the target bill recorded in the blockchain, the correspondence between the first hash value and the repayment record of the target bill can be recorded in the transaction server. A repayment record field is set in the data table of the repayment status of the bill to store the first hash value, or the first hash value can be stored in other ways as long as it can reflect the first hash value and the target account The corresponding relationship of the single repayment record is sufficient.
Wherein, the first hash value may be obtained by the hash algorithm of the repayment record of the blockchain based on the target bill.
The following uses the application scenario shown in FIG. 2 as an example to describe in detail the recording method of the bill instalment event provided in this specification. As shown in FIG. 2, it includes the following main steps:
Step 21, the merchant and the user agree on installment payment for the target bill, where the agreed installment payment information of the target bill includes the installment quantity of the target bill, the due time of each installment of the target bill after the installment, The repayment amount of each invoice of the target bill after the installment and the agreed repayment account of the user;
Step 22, the transaction server submits the instalment record of the target bill to the blockchain, and the submitted instalment record includes the identification information of the merchant, the identification information of the user, the identification information of the target bill, and the target The number of instalments of the bill, the due time of each instalment of the target bill after the instalment, the repayment amount of each instalment of the target bill after the instalment, and the agreed repayment account of the user;
Among them, the identification information of the merchant and the identification information of the user can be obtained specifically when the merchant and the user register an account on the transaction server. In order to facilitate forensics in later repayment disputes, the merchant’s identification message may be the real-name identity information of the merchant, for example, it may be an identity identification corresponding to a unique identification such as an identity card number, and similarly, the user’s identification information It may be the real-name identity information of the user, for example, it may also be an identity identifier corresponding to a unique identifier such as an identity card number.
Step 23: The blockchain returns the first hash value to the transaction server. The first hash value is obtained by hashing the blockchain based on the instalment record of the target bill, so that the notary nodes in the blockchain can use the first hash value Hash value, to obtain the bill instalment record corresponding to the first hash value;
Step 24: After the instalment bill of the target bill expires, upload the repayment record of the target bill to the blockchain through the default interface of the blockchain based on the merchant's deduction event in the user's agreed repayment account in;
Step 25: The blockchain returns a second hash value to the transaction server. The second hash value is obtained by hashing the blockchain's repayment record based on the target bill, so that the notary node in the blockchain can Second hash value, to obtain the bill repayment record corresponding to the second hash value.
After the user and the merchant agree on the installment payment for the target bill, the installment record of the target bill can be uploaded to the blockchain through the default interface of the blockchain based on the bill installment event agreed by the user and the merchant on the target bill , And can obtain and record the first hash value returned by the blockchain based on the target bill instalment record processing, so that the notary node of the blockchain can query the instalment of the target bill corresponding to the first hash value Record; then after the instalment of the target bill expires, based on the merchant’s deduction event in the user’s agreed repayment account, upload the repayment record of the target bill to the blockchain through the default interface of the blockchain , And can obtain and record the second hash value returned by the blockchain based on the target bill repayment record processing, so that the notary node of the blockchain can query the deduction record corresponding to the second hash value. Since the user and the merchant can directly agree on how to pay in installments, the threshold for users to use the installment payment function is reduced, and the difficulty of obtaining evidence in the event of payment disputes is also reduced.
FIG. 3 is a schematic diagram of an implementation process of a method for inquiring a bill installment record provided in this specification applied to a notary node in a blockchain. Please refer to Figure 3, including:
Step 310: Obtain a query request of the user and/or merchant for the bill instalment record of the target bill through the default interface of the blockchain;
It should be understood that, in order to facilitate obtaining corresponding information from the blockchain based on the query request, the query request may carry a hash value, and the hash value may be obtained by the blockchain based on the hash processing of the bill record.
If the bill record uploaded to the target bill in the blockchain is an encrypted resource transfer record, in order to be able to verify the bill record uploaded to the target bill in the blockchain, the query request also The original data of the target billing record can be carried, that is, the data before the encryption of the target billing record.
Step 320, based on the query request, read the billing record corresponding to the hash value carried in the query request from the blockchain.
Optionally, the billing record corresponding to the hash value carried in the query request includes at least one of the following records:
Instalment records of target bills;
The repayment record of the target bill.
If the bill record of the target bill uploaded to the blockchain is the bill record of the target bill after encryption processing, in order to be able to verify the bill record of the target bill uploaded to the blockchain, the area The notary node in the blockchain can hash the original data of the bill records of the target bill carried in the query request to obtain the hashed string, and compare the string with the stored in the blockchain Compare the string corresponding to the billing record of the target bill; if the two are consistent, the original data of the billing record of the target bill carried in the query request is verified, and if the two are inconsistent, it indicates the query The original data of the billing record of the target billing carried in the request cannot be verified after tampering later.
Because the query request of the user and/or merchant for the bill instalment record of the target bill can be obtained through the default interface of the blockchain, and based on the query request, the hash value corresponding to the query request is read from the blockchain The instalment of bills can reduce the difficulty of obtaining evidence for disputes over repayment.
FIG. 4 is a schematic structural diagram of a recording device 400 of a bill instalment event provided in this specification. Please refer to FIG. 4. In a software implementation manner, the bill installment event recording device 400 may include a first upload unit 401, a first acquisition unit 402, a second upload unit 403 and a second acquisition unit 404, where:
The first uploading unit 401 uploads the installment record of the target bill to the blockchain through the preset interface of the blockchain based on the bill installment event agreed between the user and the merchant for the target bill;
The first obtaining unit 402 obtains and records the first hash value returned by the blockchain, and the first hash value is obtained by the installment record processing of the blockchain based on the target bill to facilitate the area The notary node of the blockchain can query the installment record of the target bill corresponding to the first hash value;
The second uploading unit 403, after the installment bill of the target bill expires, uploads through the default interface of the blockchain based on the merchant’s deduction event in the user’s agreed repayment account The repayment of the target bill is recorded in the blockchain;
The second obtaining unit 404 obtains and records the second hash value returned by the blockchain, and the second hash value is obtained by the blockchain's repayment record processing based on the target bill, so that the The notary node of the blockchain can query the deduction record corresponding to the second hash value.
Optionally, in an embodiment, the first upload unit 401 is used to:
Obtaining the installment record of the target bill based on the bill installment event agreed between the user and the merchant for the target bill;
Encrypting the installment record of the target bill to obtain the installment record of the target bill after the encryption process;
Upload the installment record of the target bill after the encryption process to the blockchain through the default interface of the blockchain.
Optionally, in an embodiment, the second upload unit 403 is used to:
Obtain a repayment record of the target bill based on the merchant's deduction event in the user's agreed repayment account;
Encrypting the repayment record of the target bill to obtain the repayment record of the target bill after the encryption process.
Optionally, in one embodiment, the installment record of the target bill includes at least one of the following information:
The identification information of the user;
The identification information of the said merchant;
The identification information of the target bill;
The number of installments of the target bill;
The due time of each bill of the target bill after the installment;
The repayment amount of each bill of the target bill after the installment;
The user's agreed repayment account.
Optionally, in one embodiment, the repayment record of the target bill includes at least one of the following information:
The identification information of the user;
The identification information of the said merchant;
The identification information of the target bill;
The number of installment repayment periods of the target bill;
The amortization amount of the target bill;
The merchant deducts money from the user's agreed repayment account.
The bill staging event recording device 400 can implement the method of the method embodiment of FIG. 1 to FIG. 2. For details, reference may be made to the bill staging event recording method of the embodiment shown in FIG. 1 to FIG. 2, and details are not described again.
FIG. 5 is a schematic structural diagram of an inquiry device 500 for bill installment records provided in this specification. Please refer to FIG. 5. In a software implementation manner, the query device 500 for billing instalment records may include an acquiring unit 501 and a downloading unit 502, where:
The obtaining unit 501 obtains the query request of the user and/or merchant for the bill record of the target bill through the preset interface of the blockchain;
The downloading unit 502 downloads and reads the billing record corresponding to the hash value carried in the query request from the blockchain based on the query request.
Optionally, in an embodiment, the billing record corresponding to the hash value carried in the query request includes at least one of the following records:
Installment record of the target bill;
The repayment record of the target bill.
The apparatus 500 for inquiring bill instalment records can implement the method in the method embodiment of FIG. 3. For details, refer to the inquiring method for invoice instalment records in the embodiment shown in FIG. 3, and details are not described herein.
6 is a schematic structural diagram of an electronic device provided by an embodiment of the present specification. Please refer to FIG. 6, at the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include internal memory, such as high-speed random access memory (Random-Access Memory, RAM), or may also include non-volatile memory (non-volatile memory), such as at least one disk memory Body etc. Of course, the electronic device may also include hardware required by other businesses.
The processor, network interface and memory can be connected to each other through an internal bus. The internal bus can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or EISA (Extended Industry Standard Architecture) bus, etc. The bus can be divided into an address bus, a data bus, and a control bus. For ease of representation, only a two-way arrow is used in FIG. 6, but it does not mean that there is only one bus bar or one type of bus bar.
Memory for storing programs. Specifically, the program may include program code, and the program code includes computer operation instructions. The memory may include internal memory and non-volatile memory, and provide instructions and data to the processor.
The processor reads the corresponding computer program from the non-volatile memory into the internal memory and then runs it, which forms a recording device for bill instalment events at a logical level. The processor executes the programs stored in the memory and is specifically used to perform the following operations:
Based on the instalment event agreed between the user and the merchant for the target bill, upload the instalment record of the target bill to the blockchain through the default interface of the blockchain;
Obtain and record the first hash value returned by the blockchain, the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the notary node of the blockchain can Query the installment record of the target bill corresponding to the first hash value;
After the installment bill of the target bill expires, based on the merchant's deduction event in the user's agreed repayment account, upload the target bill's account through the default interface of the blockchain Repayments are recorded in the blockchain;
Obtain and record the second hash value returned by the blockchain, the second hash value is obtained by the blockchain based on the repayment record processing of the target bill, so that the blockchain notary node The amount deduction record corresponding to the second hash value can be queried.
The method for recording bill instalment events disclosed in the embodiments shown in FIGS. 1 to 2 of the present specification may be applied to a processor, or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method may be completed by instructions in the form of hardware integrated logic circuits or software in the processor. The aforementioned processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; or a digital signal processor (Digital Signal Processor, DSP), dedicated Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic devices, distributed gate or transistor logic devices, separate hardware components . The methods, steps, and logical block diagrams disclosed in one or more embodiments of this specification can be implemented or executed. The general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in conjunction with one or more embodiments of this specification can be directly embodied and executed by a hardware decoding processor, or can be executed and completed by a combination of hardware and software modules in the decoding processor. The software module can be located in random memory, flash memory, read-only memory, programmable read-only memory or electrically readable and writable programmable memory, temporary memory, and other mature storage media in the art. The storage medium is located in the memory. The processor reads the information in the memory and combines the hardware to complete the steps of the above method.
The electronic device can also execute the recording method of the bill instalment event of FIG. 1 to FIG. 2, which will not be repeated in this specification.
Of course, in addition to the software implementation, the electronic device of this specification does not exclude other implementations, such as a logic device or a combination of hardware and software, etc., that is to say, the execution body of the following processing flow is not limited to each logical unit , Can also be hardware or logic devices.
7 is a schematic structural diagram of an electronic device provided by an embodiment of the present specification. Please refer to FIG. 7, at the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include internal memory, such as high-speed random access memory (Random-Access Memory, RAM), or may also include non-volatile memory (non-volatile memory), such as at least one disk memory Body etc. Of course, the electronic device may also include hardware required by other businesses.
The processor, network interface and memory can be connected to each other through an internal bus. The internal bus can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or EISA (Extended Industry Standard Architecture) bus, etc. The bus can be divided into an address bus, a data bus, and a control bus. For ease of representation, only one bidirectional arrow is used in FIG. 7, but it does not mean that there is only one bus bar or one type of bus bar.
Memory for storing programs. Specifically, the program may include program code, and the program code includes computer operation instructions. The memory may include internal memory and non-volatile memory, and provide instructions and data to the processor.
The processor reads the corresponding computer program from the non-volatile memory into the internal memory and then runs it, forming a query device for billing instalment records at a logical level. The processor executes the programs stored in the internal memory and is specifically used to perform the following operations:
Obtain query requests from users and/or merchants for billing records of target bills through the default interface of the blockchain;
Based on the query request, a billing record corresponding to the hash value carried in the query request is downloaded and read from the blockchain.
The method for querying the bill installment record disclosed in the embodiment shown in FIG. 3 of the present specification may be applied to the processor, or implemented by the processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method may be completed by instructions in the form of hardware integrated logic circuits or software in the processor. The foregoing processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; or a digital signal processor (Digital Signal Processor, DSP), dedicated Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic devices, distributed gate or transistor logic devices, separate hardware components . The methods, steps, and logical block diagrams disclosed in one or more embodiments of this specification can be implemented or executed. The general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in conjunction with one or more embodiments of this specification can be directly embodied and executed by a hardware decoding processor, or can be executed and completed by a combination of hardware and software modules in the decoding processor. The software module can be located in random memory, flash memory, read-only memory, programmable read-only memory or electrically readable and writable programmable memory, temporary memory, and other mature storage media in the art. The storage medium is located in the memory. The processor reads the information in the memory and combines the hardware to complete the steps of the above method.
The electronic device can also execute the query method of the bill instalment record in FIG. 3, which will not be repeated in this specification.
Of course, in addition to the software implementation, the electronic device of this specification does not exclude other implementations, such as a logic device or a combination of hardware and software, etc., that is to say, the execution body of the following processing flow is not limited to each logical unit , Can also be hardware or logic devices.
In short, the above is only the preferred embodiment of this specification and is not intended to limit the protection scope of this specification. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of one or more embodiments of this specification should be included in the protection scope of one or more embodiments of this specification.
The system, device, module or unit explained in the above embodiments may be implemented by a computer chip or entity, or by a product with a certain function. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a mobile phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, and a wearable device Or any combination of these devices.
Computer-readable media, including permanent and non-permanent, removable and non-removable media, can be stored by any method or technology. The information can be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM) , Read-only memory (ROM), electrically erasable and programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only disc read-only memory (CD-ROM), digital multifunction Optical discs (DVDs) or other optical storage, magnetic cassette tapes, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
It should also be noted that the terms "include", "include" or any other variant thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device that includes a series of elements includes not only those elements, but also includes Other elements not explicitly listed, or include elements inherent to this process, method, commodity, or equipment. Without more restrictions, the element defined by the sentence "include one..." does not exclude that there are other identical elements in the process, method, commodity, or equipment that includes the element.
The embodiments in this specification are described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method embodiment.
