WO2020108105A1 - 一种账单分期事件的记录和查询方法、装置及电子设备 - Google Patents
一种账单分期事件的记录和查询方法、装置及电子设备 Download PDFInfo
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- WO2020108105A1 WO2020108105A1 PCT/CN2019/110458 CN2019110458W WO2020108105A1 WO 2020108105 A1 WO2020108105 A1 WO 2020108105A1 CN 2019110458 W CN2019110458 W CN 2019110458W WO 2020108105 A1 WO2020108105 A1 WO 2020108105A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
Definitions
- the present application relates to the field of computer technology, and in particular to a method and device for recording and querying bill instalment events and electronic equipment.
- the existing instalment payment method often requires credit information based on the user's history to enjoy this function, that is, the existing instalment payment has a certain credit threshold.
- Embodiments of the present application provide a method and apparatus for recording and querying 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.
- a method for recording bill instalment events is proposed.
- the method is applied to a payment platform.
- the method includes:
- the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the blockchain notary node
- the instalment record of the target bill corresponding to the first hash value can be queried;
- the second hash value is obtained by the blockchain based on the repayment record of the target bill, so as to notarize the blockchain
- the node can query the deduction record corresponding to the second hash value.
- a method for querying instalment records of bills is proposed.
- the method is applied to a notary node in a blockchain.
- the method includes:
- a bill record corresponding to the hash value carried by the query request is read from the blockchain.
- a recording device for bill staging events including:
- the first uploading unit uploads the installment record of the target bill to the blockchain through a 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 blockchain based on the instalment record processing of 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 uploads the target through the preset interface of the blockchain based on the merchant's deduction event in the user's agreed repayment account after the installment bill of the target bill expires The repayment of the 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 The notary node of the blockchain can query the deduction record corresponding to the second hash value.
- a query device for bill instalment records including:
- the obtaining unit obtains the query request of the user and/or the merchant for the bill record of the target bill through the preset interface of the blockchain;
- the downloading unit downloads and reads the bill record corresponding to the hash value carried in the query request from the blockchain based on the query request.
- an electronic device includes:
- a memory arranged to store computer-executable instructions, which when executed, causes the processor to perform the following operations:
- the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the blockchain notary node
- the instalment record of the target bill corresponding to the first hash value can be queried;
- the second hash value is obtained by the blockchain based on the repayment record of the target bill, so as to notarize the blockchain
- the node can query the deduction record corresponding to the second hash value.
- a computer-readable storage medium storing one or more programs, which when executed by an electronic device including multiple application programs, causes all The electronic device performs the following operations:
- the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the blockchain notary node
- the instalment record of the target bill corresponding to the first hash value can be queried;
- the second hash value is obtained by the blockchain based on the repayment record of the target bill, so as to notarize the blockchain
- the node can query the deduction record corresponding to the second hash value.
- an electronic device includes:
- a memory arranged to store computer-executable instructions, which when executed, causes the processor to perform the following operations:
- a bill record corresponding to the hash value carried by the query request is read from the blockchain.
- a computer-readable storage medium storing one or more programs, which when executed by an electronic device including multiple application programs, causes all The electronic device performs the following operations:
- a bill record corresponding to the hash value carried by the query request is read from the blockchain.
- the user and the merchant can upload the installment record of the target bill to the blockchain through the preset interface of the blockchain based on the bill installment event agreed on the target bill, and can obtain And record the first hash value returned by the blockchain based on the target bill staging record processing, so that the notary node of the blockchain can query the staging record of the target bill corresponding to the first hash value;
- the target bill's instalment 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 preset interface of the blockchain, and it can be obtained and recorded
- the second hash value obtained by processing the repayment record based on the target bill returned by the blockchain, so that the notary node of the blockchain can query the money 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
- FIG. 1 is a schematic diagram of an implementation process of a method for recording a bill instalment event provided by an embodiment of the present specification
- FIG. 2 is a schematic diagram of the application of a method for recording a bill instalment event provided by an embodiment of the present specification in an actual scenario;
- FIG. 3 is a schematic diagram of an implementation process of a query method for instalment records provided by an embodiment of the present specification
- FIG. 4 is a schematic structural diagram of a bill staging event recording device provided by an embodiment of the present specification.
- FIG. 5 is a schematic structural diagram of a device for inquiring a bill installment record according to an embodiment of the present specification
- FIG. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present specification.
- FIG. 7 is a schematic structural diagram of yet another electronic device provided by an embodiment of the present specification.
- the embodiments of the present specification provide a method for recording a bill installment event.
- the execution body of the method provided in 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 in the embodiments of the present application.
- 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.
- FIG. 1 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 and includes:
- 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.
- the instalment record of the target bill at least includes at least one of the following information:
- the user's agreed repayment account The user's agreed repayment account.
- the target bill staging record in order to improve the security of the target bill staging record, based on the bill staging event agreed between the user and the merchant for the target bill, upload the target bill staging record to the blockchain through the preset interface of the blockchain, including:
- the instalment record of the target bill is encrypted, specifically, the instalment 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 instalment record of the target bill corresponding to the hope value.
- the transaction server may record the correspondence between the first hash value and the instalment record of the target bill, for example, the repayment status of the target bill Set a staging record field in the data table for storing the first hash value, or you can store the first hash value in other ways, as long as it can reflect the staging record of the first hash value and the target bill Correspondence is sufficient.
- the first hash value may be obtained by processing the hashing algorithm of the blockchain based on the target bill staging record.
- Step 130 After the instalment bill of the target bill expires, upload the repayment record of the target bill to the blockchain based on the merchant's deduction event in the user's agreed repayment account through the preset interface of the blockchain.
- the repayment record of the above target bill at least includes at least one of the following information:
- the merchant deducts money from the user's agreed repayment account.
- the merchant's deduction from the user's agreed repayment account may include two cases: namely, the successful deduction and the failed deduction.
- 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 by the blockchain based on the repayment record of the target bill, so that the notary node of the blockchain can query the second hash value. Deduction records corresponding to the hash value.
- the transaction server may record the correspondence between the first hash value and the repayment record of the target bill, for example, the repayment of the target bill
- a repayment record field is set in the data table of the payment status to store the first hash value, or the first hash value can also be stored in other ways, as long as the first hash value and the target bill can be reflected The corresponding relationship of the repayment record is sufficient.
- the first hash value may be obtained by processing the hashing algorithm of the blockchain based on the repayment record of the target bill.
- FIG. 2 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 number of installments of the target bill, the due time of each installment of the target bill after installment, the target bill after installment The repayment amount of each period of the bill and the user's agreed repayment account;
- 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 number of instalments 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, and the agreed repayment account of the user;
- the identification information of the merchant and the identification information of the user can be specifically obtained when the merchant and the user register an account on the transaction server.
- the identification message of the merchant may be the real-name identity information of the merchant, for example, it may be an identity identifier corresponding to a unique identifier such as an ID card number.
- 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 ID number.
- Step 23 The blockchain returns the first hash value to the transaction server, and the first hash value is obtained by hashing the blockchain based on the instalment record of the target bill, so that the notary node in the blockchain can A hash value, obtaining a bill staging 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 based on the merchant's deduction event in the user's agreed repayment account through the preset interface of the blockchain;
- Step 25 The blockchain returns a second hash value to the transaction server.
- the second hash value is obtained by hashing the repayment record of the blockchain based on the target bill, so that the notary nodes in the blockchain can The second hash value obtains the bill payment record corresponding to the second hash value.
- the user and the merchant can upload the installment record of the target bill to the blockchain through the preset interface of the blockchain based on the bill installment event agreed on the target bill and can obtain And record the first hash value returned by the blockchain based on the target bill staging record processing, so that the notary node of the blockchain can query the staging record of the target bill corresponding to the first hash value;
- the target bill's instalment 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 preset interface of the blockchain, and it can be obtained and recorded
- the second hash value obtained by processing the repayment record based on the target bill returned by the blockchain, so that the notary node of the blockchain can query the money 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
- FIG. 3 is a schematic diagram of an implementation process of a bill staging record query method 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 preset interface of the blockchain;
- the query request may carry a hash value, which may be obtained by the blockchain based on the hash processing of the bill record.
- the query request can also carry the target The original data of the bill record of the bill, that is, the data before the encryption of the bill record of the target bill.
- Step 320 based on the query request, read the bill record corresponding to the hash value carried in the query request from the blockchain.
- the bill record corresponding to the hash value carried in the query request includes at least one of the following records:
- the bill record of the target bill uploaded to the blockchain is the bill record of the target bill after being encrypted, in order to be able to verify the bill record of the target bill uploaded to the blockchain, the notary node in the blockchain You can hash the original data of the bill record of the target bill carried in the query request to obtain the hashed string, and compare the string with the bill stored in the blockchain and the target bill Compare the corresponding character strings of the records; if the two are consistent, the original data of the bill record of the target bill carried in the query request passes the verification, and if the two are inconsistent, it indicates the After the original data has been tampered with, it cannot be verified.
- the query request of the user and/or merchant for the bill instalment record of the target bill can be obtained through the preset interface of the blockchain, and based on the query request, the hash value corresponding to the hash value carried by the query request is read from the blockchain
- the bills are recorded in installments, which can reduce the difficulty of forensics for repayment disputes.
- FIG. 4 is a schematic structural diagram of a recording device 400 for bill staging events provided in this specification. Please refer to FIG. 4.
- the bill staging 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 blockchain instalment record processing based on the target bill, so that the 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 the block via the preset 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 based on the repayment record processing of the target bill, so that all The notary node of the blockchain can query the deduction record corresponding to the second hash value.
- the first upload unit 401 is used to:
- the second upload unit 403 is configured to:
- the installment record of the target bill includes at least one of the following information:
- the identification information of the user is the identification information of the user.
- the identification information of the merchant is the identification information of the merchant.
- the user's agreed repayment account The user's agreed repayment account.
- the repayment record of the target bill includes at least one of the following information:
- the identification information of the user is the identification information of the user.
- the identification information of the merchant is the identification information of the merchant.
- 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 a query device 500 for bill installment records provided in this specification. Please refer to FIG. 5.
- 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 bill record corresponding to the hash value carried in the query request from the blockchain based on the query request.
- the billing record corresponding to the hash value carried in the query request includes at least one of the following records:
- the apparatus 500 for inquiring a bill staging record can implement the method of the method embodiment in FIG. 3. For details, refer to the method for inquiring the bill staging record in the embodiment shown in FIG.
- the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory.
- the memory may include a memory, such as a high-speed random access memory (Random-Access Memory, RAM), or may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.
- RAM Random-Access Memory
- non-volatile memory such as at least one disk memory.
- the electronic device may also include hardware required for other services.
- the processor, network interface and memory can be connected to each other through an internal bus, which can be an ISA (Industry Standard Architecture, industry standard architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry, Standard Architecture, extended industry standard structure) 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. 6, but it does not mean that there is only one bus or one type of bus.
- the program may include program code, and the program code includes a computer operation instruction.
- the memory may include 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 memory and then runs it to form a recording device of the bill staging event on a logical level.
- the processor executes the programs stored in the memory and is specifically used to perform the following operations:
- the first hash value is obtained by the blockchain based on the instalment record processing of the target bill, so that the blockchain notary node
- the instalment record of the target bill corresponding to the first hash value can be queried;
- the second hash value is obtained by the blockchain based on the repayment record of the target bill, so as to notarize the blockchain
- the node can query the deduction record corresponding to the second hash value.
- the recording method of the bill instalment event disclosed in the embodiments shown in FIGS. 1 to 2 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.
- each step of the above method may be completed by an integrated logic circuit of hardware in the processor or instructions in the form of software.
- the aforementioned processor may be a general-purpose processor, including a central processor (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; it may also be a digital signal processor (Digital Signal Processor, DSP), dedicated integration Circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.
- DSP Digital Signal Processor
- ASIC Application Specific Integrated Circuit
- FPGA Field-Programmable Gate Array
- 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 completed by a hardware decoding processor, or can be performed and completed by a combination of hardware and software modules in the decoding processor.
- the software module may be located in a mature storage medium in the art, such as random access memory, flash memory, read-only memory, programmable read-only memory, or electrically erasable programmable memory, and registers.
- the storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.
- the electronic device can also execute the method of recording the bill instalment events of FIG. 1 to FIG. 2, which will not be repeated here.
- the electronic device of this specification does not exclude other implementations, such as a logic device or a combination of software and hardware, etc., that is to say, the execution body of the following processing flow is not limited to each logical unit, It can also be a hardware or logic device.
- the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory.
- the memory may include a memory, such as a high-speed random access memory (Random-Access Memory, RAM), or may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.
- RAM Random-Access Memory
- non-volatile memory such as at least one disk memory.
- the electronic device may also include hardware required for other services.
- the processor, network interface and memory can be connected to each other through an internal bus, which can be an ISA (Industry Standard Architecture, industry standard architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry Standard Architecture, extended industry standard structure) 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 or one type of bus.
- the program may include program code, and the program code includes a computer operation instruction.
- the memory may include 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 memory and then runs it to form a query device for billing instalment records at a logical level.
- the processor executes the programs stored in the memory and is specifically used to perform the following operations:
- a bill 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 records 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.
- each step of the above method may be completed by an integrated logic circuit of hardware in the processor or instructions in the form of software.
- the aforementioned processor may be a general-purpose processor, including a central processor (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; it may also be a digital signal processor (Digital Signal Processor, DSP), dedicated integration Circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.
- DSP Digital Signal Processor
- ASIC Application Specific Integrated Circuit
- FPGA Field-Programmable Gate Array
- 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 completed by a hardware decoding processor, or can be performed and completed by a combination of hardware and software modules in the decoding processor.
- the software module may be located in a mature storage medium in the art, such as random access memory, flash memory, read-only memory, programmable read-only memory, or electrically erasable programmable memory, and registers.
- the storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.
- the electronic device can also execute the query method of the bill instalment record in FIG. 3, which will not be repeated here.
- the electronic device of this specification does not exclude other implementations, such as a logic device or a combination of software and hardware, etc., that is to say, the execution body of the following processing flow is not limited to each logical unit, It can also be a hardware or logic device.
- the system, device, module or unit explained in the above embodiments may be specifically implemented by a computer chip or entity, or implemented by a product with a certain function.
- a typical implementation device is a computer.
- the computer may be, for example, a personal computer, a laptop computer, a cellular 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, a wearable device A combination of any of these devices.
- Computer-readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
- the information may 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), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk 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.
- computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
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Abstract
一种账单分期事件的记录和查询方法、装置及电子设备，该方法包括：基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中（110）；获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的（120）；在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，上传所述目标账单的还款记录到所述区块链中（130）；获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的（140）。
Description
本申请涉及计算机技术领域，尤其涉及一种账单分期事件的记录和查询方法、装置及电子设备。
随着电商平台的快速发展以及人们消费观念的逐渐转变，越来越多的用户选择在电商平台上购买各种类型的商品，比如家用电器、服饰、日用百货、生鲜等商品都能够在电商平台上购买。
对于某些家用电器、奢侈品等金额较大的商品，为了促进用户的消费，提高这些商品的销量，很多商家为用户提供先使用后付款的优惠政策，即用户可以先下单购买商品，并在约定时间段后进行支付。而为了缓解用户的账单压力，很多商家还针对某些商品提供分期付款的支付方式，即用户可以针对一种商品分多次支付来完成购买。
然而，现有的分期付款的支付方式，往往需要基于用户历史的信用信息才能享用这种功能，即现有的分期付款使用是有一定的信用门槛的。
发明内容
本申请实施例提供了一种账单分期事件的记录和查询方法、装置及电子设备，以解决现有技术中分期付款的支付方式对于用户而言需要一定的信用门槛的问题。
为解决上述技术问题，本申请实施例是这样实现的：
第一方面，提出了一种账单分期事件的记录方法，所述方法应用于支付平台，所述方法包括：
基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
第二方面，提出了一种账单分期记录的查询方法，所述方法应用于区块链中的公证节点，所述方法包括：
通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
基于所述查询请求，从所述区块链中读取与所述查询请求携带的哈希值相对应的账单记录。
第三方面，提出了一种账单分期事件的记录装置，包括：
第一上传单元，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
第一获取单元，获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
第二上传单元，在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
第二获取单元，获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
第四方面，提出了一种账单分期记录的查询装置，包括：
获取单元，通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
下载单元，基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
第五方面，提出了一种电子设备，该电子设备包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
第六方面，提出了一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二 哈希值相对应的款项扣除记录。
第七方面，提出了一种电子设备，该电子设备包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
基于所述查询请求，从所述区块链中读取与所述查询请求携带的哈希值相对应的账单记录。
第八方面，提出了一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
基于所述查询请求，从所述区块链中读取与所述查询请求携带的哈希值相对应的账单记录。
本申请实施例采用上述技术方案至少可以达到下述技术效果：
在用户与商家针对目标账单约定了分期支付之后，能够基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传目标账单的分期记录到区块链中，并能够获取并记录区块链返回的基于目标账单的分期记录处理得到的第一哈希值，以便区块链的公证节点能够查询到与该第一哈希值相对应的目标账单的分期记录；再在目标账单的分期账单到期后，基于商家在用户的约定还款账户中的款项扣除事件，通过区块链的预设接口上传目标账单的还款记录到区块链中，并可以获取并记录区块链返回的基于目标账单的还款记录处理得到的第二哈希值，以便区块链的公证节点能够查询到与第二哈希值相对应的款项扣除记录。由于用户与商家之间可以直接约定如何进行分期支付，降低了用户使用分期付款支付功能的门槛，也降低了出现支付纠纷时的取证难度。
此处所说明的附图用来提供对本申请的进一步理解，构成本申请的一部分，本申请的示意性实施例及其说明用于解释本申请，并不构成对本申请的不当限定。在附图中：
图1为本说明书一个实施例提供的一种账单分期事件的记录方法的实现流程示意图；
图2为本说明书一个实施例提供的账单分期事件的记录方法应用在实际场景中的示意图；
图3为本说明书一个实施例提供的账单分期记录的查询方法的实现流程示意图；
图4为本说明书一个实施例提供的账单分期事件的记录装置的结构示意图；
图5为本说明书一个实施例提供的账单分期记录的查询装置的结构示意图；
图6为本说明书一个实施例提供的一种电子设备的结构示意图；
图7为本说明书一个实施例提供的又一种电子设备的结构示意图。
为使本申请的目的、技术方案和优点更加清楚，下面将结合本申请具体实施例及相应的附图对本申请技术方案进行清楚、完整地描述。显然，所描述的实施例仅是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
以下结合附图，详细说明本申请各实施例提供的技术方案。
为解决现有技术中分期付款的支付方式对于用户而言需要一定的信用门槛的问题，本说明书实施例提供一种账单分期事件的记录方法。本说明书实施例提供的方法的执行主体可以但不限于交易服务器等能够被配置为执行本申请实施例提供的该方法装置中的至少一种。
为便于描述，下文以该方法的执行主体为能够执行该方法的交易服务器为例，对该方法的实施方式进行介绍。可以理解，该方法的执行主体为交易服务器只是一种示例性的说明，并不应理解为对该方法的限定。
具体地，本说明书一个或多个实施例提供的一种账单分期事件的记录方法的实现流程示意图如图1所示，包括：
步骤110，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传目标账单的分期记录到区块链中。
应理解，为了便于后期出现目标账单的分期纠纷时，核实目标账单，上述目标账 单的分期记录至少包括下述至少一种信息：
用户的标识信息；
商家的标识信息；
目标账单的标识信息；
目标账单的分期数量；
分期后的目标账单的每期账单的到期时间；
分期后的目标账单的每期账单的还款数额；
用户的约定还款账户。
可选地，为了提高目标账单的分期记录的安全性，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传目标账单的分期记录到区块链中，包括：
基于用户与商家针对目标账单约定的账单分期事件，获取目标账单的分期记录；
对目标账单的分期记录进行加密处理，以获取加密处理后的目标账单的分期记录；
通过区块链的预设接口上传加密处理后的目标账单的分期记录到区块链中。
其中，对目标账单的分期记录进行加密处理，具体可以将目标账单的分期记录通过MD5等哈希算法来加密。
步骤120，获取并记录区块链返回的第一哈希值，第一哈希值为区块链基于目标账单的分期记录处理得到的，以便区块链的公证节点能够查询到与第一哈希值相对应的目标账单的分期记录。
应理解，为便于查询区块链中记录的目标账单的分期记录，交易服务器中可以记录第一哈希值与目标账单的分期记录之间的对应关系，比如可以在有关目标账单的还款状态的数据表中设置一个分期记录字段用于存储该第一哈希值，或者还可以通过其他方式来存储该第一哈希值，只要能够体现该第一哈希值与目标账单的分期记录的对应关系即可。
其中，该第一哈希值可以是区块链基于目标账单的分期记录通过哈希算法处理得到的。
步骤130，在目标账单的分期账单到期后，基于商家在用户的约定还款账户中的款 项扣除事件，通过区块链的预设接口上传目标账单的还款记录到区块链中。
应理解，为了便于后期出现还款纠纷时，核实目标账单的还款情况，上述目标账单的还款记录至少包括下述至少一种信息：
用户的标识信息；
商家的标识信息；
目标账单的标识信息；
目标账单的分期还款期数；
目标账单的分期还款数额；
商家从用户的约定还款账户中的款项扣除情况。
其中，商家从用户的约定还款账户中的款项扣除情况可以包括两种情况：即款项扣除成功和款项扣除失败。
可选地，为了提高目标账单的还款记录的安全性，基于商家在用户的约定还款账户中的款项扣除事件，通过区块链的预设接口上传目标账单的还款记录到区块链中，具体可以包括下述步骤：
基于商家在用户的约定还款账户中的款项扣除事件，获取目标账单的还款记录；
对目标账单的还款记录进行加密处理，以获取加密处理后的所述目标账单的还款记录。
其中，对目标账单的还款记录进行加密处理，具体可以将目标账单的还款记录通过MD5等哈希算法来加密。
步骤140，获取并记录区块链返回的第二哈希值，第二哈希值为区块链基于目标账单的还款记录处理得到的，以便区块链的公证节点能够查询到与第二哈希值相对应的款项扣除记录。
应理解，为便于查询区块链中记录的目标账单的还款记录，交易服务器中可以记录第一哈希值与目标账单的还款记录之间的对应关系，比如可以在有关目标账单的还款状态的数据表中设置一个还款记录字段用于存储该第一哈希值，或者还可以通过其他方式来存储该第一哈希值，只要能够体现该第一哈希值与目标账单的还款记录的对应关系即可。
其中，该第一哈希值可以是区块链基于目标账单的还款记录通过哈希算法处理得到的。
下面以图2所示的应用场景为例，对本说明书提供的账单分期事件的记录方法进行详细说明，如图2所示，包括下述主要步骤：
步骤21，商家与用户针对目标账单约定分期付款，其中，所约定的目标账单的分期付款信息包括目标账单的分期数量、分期后的目标账单的每期账单的到期时间、分期后的目标账单的每期账单的还款数额以及用户的约定还款账户；
步骤22，交易服务器将目标账单的分期记录向区块链提交上链，所提交的目标账单的分期记录中包括商家的标识信息、用户的标识信息、目标账单的标识信息、目标账单的分期数量、分期后的目标账单的每期账单的到期时间、分期后的目标账单的每期账单的还款数额以及用户的约定还款账户；
其中，商家的标识信息和用户的标识信息，具体可以在该商家和该用户在该交易服务器上注册账号时获取。为便于后期出现还款纠纷时进行取证，该商家的标识消息可以是该商家的实名身份信息，比如可以是与身份证号等唯一的标识相对应的身份标识，同样地，该用户的标识信息可以是该用户的实名身份信息，比如也可以是与身份证号等唯一的标识相对应的身份标识。
步骤23，区块链向交易服务器返回第一哈希值，该第一哈希值为区块链基于目标账单的分期记录哈希处理得到的，以便区块链中的公证节点能够基于该第一哈希值，获取与该第一哈希值对应的账单分期记录；
步骤24，在目标账单的分期账单到期后，基于商家在用户的约定还款账户中的款项扣除事件，通过区块链的预设接口上传目标账单的还款记录到区块链中；
步骤25，区块链向交易服务器返回第二哈希值，该第二哈希值为区块链基于目标账单的还款记录哈希处理得到的，以便区块链中的公证节点能够基于该第二哈希值，获取与该第二哈希值对应的账单还款记录。
在用户与商家针对目标账单约定了分期支付之后，能够基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传目标账单的分期记录到区块链中，并能够获取并记录区块链返回的基于目标账单的分期记录处理得到的第一哈希值，以便区块链的公证节点能够查询到与该第一哈希值相对应的目标账单的分期记录；再在目标账单的分期账单到期后，基于商家在用户的约定还款账户中的款项扣除事件，通过区块 链的预设接口上传目标账单的还款记录到区块链中，并可以获取并记录区块链返回的基于目标账单的还款记录处理得到的第二哈希值，以便区块链的公证节点能够查询到与第二哈希值相对应的款项扣除记录。由于用户与商家之间可以直接约定如何进行分期支付，降低了用户使用分期付款支付功能的门槛，也降低了出现支付纠纷时的取证难度。
图3是本说明书提供的账单分期记录的查询方法应用于区块链中的公证节点的实现流程示意图。请参考图3，包括：
步骤310，通过区块链的预设接口获取用户和/或商家针对目标账单的账单分期记录的查询请求；
应理解，为便于基于该查询请求从区块链中获取到对应的信息，该查询请求中可以携带哈希值，该哈希值可以是区块链基于账单记录哈希处理得到的。
若上传到区块链中的目标账单的账单记录是经过加密处理后的资源转移记录，为了能够对上传到区块链中的目标账单的账单记录进行验证，该查询请求中还可以携带该目标账单的账单记录的原始数据，即该目标账单的账单记录加密之前的数据。
步骤320，基于查询请求，从区块链中读取与查询请求携带的哈希值相对应的账单记录。
可选地，与查询请求携带的哈希值相对应的账单记录包括下述至少一种记录：
目标账单的分期记录；
目标账单的还款记录。
若上传到区块链中的目标账单的账单记录是经过加密处理后的目标账单的账单记录，为了能够对上传到区块链中的目标账单的账单记录进行验证，区块链中的公证节点可以通过对查询请求中携带的目标账单的账单记录的原始数据进行哈希处理，以获取经过哈希处理后的字符串，并将该字符串与区块链中存储的与该目标账单的账单记录相对应的字符串进行对比；若两者一致，则查询请求中携带的目标账单的账单记录的原始数据通过验证，而若两者不一致，则表明查询请求中携带的目标账单的账单记录的原始数据经过后期篡改，即不能通过验证。
由于能够通过区块链的预设接口获取用户和/或商家针对目标账单的账单分期记录的查询请求，并基于查询请求，从区块链中读取与查询请求携带的哈希值相对应的账单分期记录，从而能够减小了还款发生纠纷的取证难度。
图4是本说明书提供的账单分期事件的记录装置400的结构示意图。请参考图4，在一种软件实施方式中，账单分期事件的记录装置400可包括第一上传单元401、第一获取单元402、第二上传单元403和第二获取单元404，其中：
第一上传单元401，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
第一获取单元402，获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
第二上传单元403，在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
第二获取单元404，获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
可选地，在一种实施方式中，所述第一上传单元401，用于：
基于用户与商家针对目标账单约定的账单分期事件，获取所述目标账单的分期记录；
对所述目标账单的分期记录进行加密处理，以获取所述加密处理后的所述目标账单的分期记录；
通过区块链的预设接口上传所述加密处理后的所述目标账单的分期记录到区块链中。
可选地，在一种实施方式中，所述第二上传单元403，用于：
基于所述商家在所述用户的约定还款账户中的款项扣除事件，获取所述目标账单的还款记录；
对所述目标账单的还款记录进行加密处理，以获取所述加密处理后的所述目标账单的还款记录。
可选地，在一种实施方式中，所述目标账单的分期记录至少包括下述至少一种信息：
所述用户的标识信息；
所述商家的标识信息；
所述目标账单的标识信息；
所述目标账单的分期数量；
分期后的所述目标账单的每期账单的到期时间；
分期后的所述目标账单的每期账单的还款数额；
所述用户的约定还款账户。
可选地，在一种实施方式中，所述目标账单的还款记录至少包括下述至少一种信息：
所述用户的标识信息；
所述商家的标识信息；
所述目标账单的标识信息；
所述目标账单的分期还款期数；
所述目标账单的分期还款数额；
所述商家从所述用户的约定还款账户中的款项扣除情况。
账单分期事件的记录装置400能够实现图1～图2的方法实施例的方法，具体可参考图1～图2所示实施例的账单分期事件的记录方法，不再赘述。
图5是本说明书提供的账单分期记录的查询装置500的结构示意图。请参考图5，在一种软件实施方式中，账单分期记录的查询装置500可包括获取单元501和下载单元502，其中：
获取单元501，通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
下载单元502，基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
可选地，在一种实施方式中，与所述查询请求携带的哈希值相对应的账单记录包 括下述至少一种记录：
所述目标账单的分期记录；
所述目标账单的还款记录。
账单分期记录的查询装置500能够实现图3的方法实施例的方法，具体可参考图3所示实施例的账单分期记录的查询方法，不再赘述。
图6是本说明书的一个实施例提供的电子设备的结构示意图。请参考图6，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture，扩展工业标准结构)总线等。所述总线可以分为地址总线、数据总线、控制总线等。为便于表示，图6中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，所述程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成账单分期事件的记录装置。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；
获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；
在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；
获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
上述如本说明书图1～图2所示实施例揭示的账单分期事件的记录方法可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本说明书一个或多个实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本说明书一个或多个实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
该电子设备还可执行图1～图2的账单分期事件的记录方法，本说明书在此不再赘述。
当然，除了软件实现方式之外，本说明书的电子设备并不排除其他实现方式，比如逻辑器件抑或软硬件结合的方式等等，也就是说以下处理流程的执行主体并不限定于各个逻辑单元，也可以是硬件或逻辑器件。
图7是本说明书的一个实施例提供的电子设备的结构示意图。请参考图7，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture， 扩展工业标准结构)总线等。所述总线可以分为地址总线、数据总线、控制总线等。为便于表示，图7中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，所述程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成账单分期记录的查询装置。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；
基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
上述如本说明书图3所示实施例揭示的账单分期记录的查询方法可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本说明书一个或多个实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本说明书一个或多个实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
该电子设备还可执行图3的账单分期记录的查询方法，本说明书在此不再赘述。
当然，除了软件实现方式之外，本说明书的电子设备并不排除其他实现方式，比如逻辑器件抑或软硬件结合的方式等等，也就是说以下处理流程的执行主体并不限定于各个逻辑单元，也可以是硬件或逻辑器件。
总之，以上所述仅为本说明书的较佳实施例而已，并非用于限定本说明书的保护 范围。凡在本说明书一个或多个实施例的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本说明书一个或多个实施例的保护范围之内。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
Claims (13)
- 一种账单分期事件的记录方法，所述方法应用于交易服务器，所述方法包括：基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
- 如权利要求1所述的方法，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中，包括：基于用户与商家针对目标账单约定的账单分期事件，获取所述目标账单的分期记录；对所述目标账单的分期记录进行加密处理，以获取所述加密处理后的所述目标账单的分期记录；通过区块链的预设接口上传所述加密处理后的所述目标账单的分期记录到区块链中。
- 如权利要求1所述的方法，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中，包括：基于所述商家在所述用户的约定还款账户中的款项扣除事件，获取所述目标账单的还款记录；对所述目标账单的还款记录进行加密处理，以获取所述加密处理后的所述目标账单的还款记录。
- 如权利要求1所述的方法，所述目标账单的分期记录至少包括下述至少一种信息：所述用户的标识信息；所述商家的标识信息；所述目标账单的标识信息；所述目标账单的分期数量；分期后的所述目标账单的每期账单的到期时间；分期后的所述目标账单的每期账单的还款数额；所述用户的约定还款账户。
- 如权利要求1所述的方法，所述目标账单的还款记录至少包括下述至少一种信息：所述用户的标识信息；所述商家的标识信息；所述目标账单的标识信息；所述目标账单的分期还款期数；所述目标账单的分期还款数额；所述商家从所述用户的约定还款账户中的款项扣除情况。
- 一种账单分期记录的查询方法，所述方法应用于区块链中的公证节点，所述方法包括：通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
- 如权利要求6所述的方法，与所述查询请求携带的哈希值相对应的账单记录包括下述至少一种记录：所述目标账单的分期记录；所述目标账单的还款记录。
- 一种账单分期事件的记录装置，包括：第一上传单元，基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；第一获取单元，获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；第二上传单元，在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；第二获取单元，获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
- 一种账单分期记录的查询装置，包括：获取单元，通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；下载单元，基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
- 一种电子设备，包括：处理器；以及被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
- 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：基于用户与商家针对目标账单约定的账单分期事件，通过区块链的预设接口上传所述目标账单的分期记录到区块链中；获取并记录所述区块链返回的第一哈希值，所述第一哈希值为所述区块链基于所述目标账单的分期记录处理得到的，以便所述区块链的公证节点能够查询到与所述第一哈希值相对应的所述目标账单的分期记录；在所述目标账单的分期账单到期后，基于所述商家在所述用户的约定还款账户中的款项扣除事件，通过所述区块链的预设接口上传所述目标账单的还款记录到所述区块链中；获取并记录所述区块链返回的第二哈希值，所述第二哈希值为所述区块链基于所述目标账单的还款记录处理得到的，以便所述区块链的公证节点能够查询到与所述第二哈希值相对应的款项扣除记录。
- 一种电子设备，包括：处理器；以及被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
- 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：通过区块链的预设接口获取用户和/或商家针对目标账单的账单记录的查询请求；基于所述查询请求，从所述区块链中下载并读取与所述查询请求携带的哈希值相对应的账单记录。
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