WO2020143378A1 - 基于智能合约的收款方法、系统及可读存储介质 - Google Patents

基于智能合约的收款方法、系统及可读存储介质 Download PDF

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Publication number
WO2020143378A1
WO2020143378A1 PCT/CN2019/124203 CN2019124203W WO2020143378A1 WO 2020143378 A1 WO2020143378 A1 WO 2020143378A1 CN 2019124203 W CN2019124203 W CN 2019124203W WO 2020143378 A1 WO2020143378 A1 WO 2020143378A1
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contract
payment
sharing
fee
collection
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PCT/CN2019/124203
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English (en)
French (fr)
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张荐硕
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阿里巴巴集团控股有限公司
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the embodiments of the present specification relate to the technical field of data processing, and in particular, to a payment method, system, and readable storage medium based on a smart contract.
  • the common functions of the third payment application usually include AA payment.
  • the core content of the AA payment is that all participants will branch out after one person pays.
  • participants need to use the user terminal to actively pay themselves
  • For the amount payable when the participant actively pays the amount payable by himself, there will be problems such as insufficient payment amount and non-payment, resulting in the situation that the payer has paid but cannot receive the payment in full.
  • the embodiments of the present specification provide a payment method, system and readable storage medium based on a smart contract, which can improve the efficiency of payment collection in the case of full payment collection and make the user experience better.
  • the first aspect of the embodiments of the present specification provides a smart contract-based payment method, which is applied to a contract creation terminal among multiple user terminals, the multiple user terminals including the contract creation terminal and at least one contract participation terminal ,include:
  • the second aspect of the embodiments of the present specification provides a smart contract-based payment method, which is applied to contract participation terminals among multiple user terminals, including:
  • the third aspect of the embodiments of the present specification also provides a contract creation terminal, including:
  • the contract creation unit is used to create a contract for amortized payment in the blockchain
  • a contract address acquisition unit which is used to acquire the contract address of the amortized payment contract
  • a contract address sending unit configured to send the contract address to each terminal of at least one contract participating terminal
  • a contract downloading unit used to download the fee-sharing collection contract from the contract address
  • the contract execution unit is used to run the fee-sharing collection contract, and then automatically execute the fee-sharing collection contract locally to pay the agreed amount in the fee-sharing collection contract.
  • the fourth aspect of the embodiments of this specification also provides a contract participation terminal, including:
  • the contract address receiving unit is used to receive the contract address of the contract for amortizing the payment sent by the contract creation terminal;
  • a contract address downloading unit used for downloading the fee-sharing contract from the contract address
  • the contract execution unit is used to run the fee-sharing collection contract, and then automatically execute the fee-sharing collection contract locally to pay the agreed amount in the fee-sharing collection contract.
  • a fifth aspect of the embodiments of the present specification also provides a smart contract-based payment collection system.
  • the system includes multiple user terminals, where the multiple user terminals include a contract creation terminal and at least one contract participation terminal, including:
  • the contract creation terminal is used to create an average fee-sharing collection contract in the blockchain, and obtain the contract address of the average cost-sharing collection contract, and send the contract address to the at least one contract participating terminal Each terminal
  • Each of the plurality of user terminals is used to obtain the contract address, download the fee-sharing payment contract from the contract address, and run the fee-sharing payment contract, and then automatically execute it locally
  • the said expenses are all amortized in the payment contract, and the agreed amount in the payment of the amortized payment contract is paid.
  • a sixth aspect of the embodiments of the present specification also provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor implements the program to implement the above-mentioned smart contract-based Steps of the payment method.
  • the seventh aspect of the embodiments of the present specification further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the steps of the smart contract-based payment method described above.
  • 1 is a system architecture diagram of a payment system based on a smart contract in an embodiment of the specification
  • FIG. 2 is a flowchart of a first method of a payment method based on a smart contract in an embodiment of this specification
  • FIG. 3 is a flowchart of a second method of a payment method based on a smart contract in an embodiment of the specification
  • FIG. 4 is a schematic structural diagram of a contract creation terminal in an embodiment of this specification.
  • FIG. 5 is a schematic structural diagram of a contract participation terminal in an embodiment of the specification.
  • FIG. 6 is a schematic structural diagram of an electronic device in the embodiment of the present specification.
  • an embodiment of the present specification provides a payment system based on a smart contract
  • the system includes multiple user terminals, wherein the multiple user terminals include a contract creation terminal 100 and at least one
  • the contract participation terminal 200 includes: a contract creation terminal 100, which is used to create a contract for the average cost-sharing collection in the blockchain 300, obtain the contract address of the contract for the average cost-sharing collection, and send the contract address to the At least one contract participates in each of the terminals 200; each of the plurality of user terminals is used to obtain the contract address, and download the fee-sharing contract from the contract address, and run the Said fee-sharing collection contract, and then automatically execute the fee-sharing collection contract locally and pay the agreed amount in the cost-sharing collection contract.
  • the contract creation terminal 100 may be any one of the plurality of user terminals; further, the fee-sharing collection contract is the AA collection contract.
  • the contract creation terminal 100 when the contract creation terminal 100 creates the fee-sharing collection contract, it first needs to obtain the project data corresponding to the fee-sharing collection contract, wherein the project data includes at least the projects and expenditures jointly participated in Amount; and then according to the project data, create the contract in the blockchain 300 to share the expenses.
  • the amount of payment required by each terminal can also be limited in creating the fee-sharing collection contract, so that the maximum amount of payment required by each terminal can be set.
  • the project data may also include data such as the source of the jointly participated project and the time of the jointly participated project.
  • the private key of the contract creation terminal 100 needs to be used to sign the fee-sharing payment contract.
  • the contract creation terminal 100 creates the fee-sharing contract, which specifically includes:
  • the contract body is the payment account of each of the plurality of user terminals
  • the contract terms include response conditions and response rules, where
  • the response condition includes a credited cross-chain payment behavior, and the response rule includes that payment is initiated to each of the plurality of user terminals after the transaction amount is evenly shared.
  • the contract creation terminal 100 also needs to set the collection account of the cost-sharing collection contract, and the collection account is the multiple user terminals. Payment account of any terminal in.
  • the payment account may be represented by a secret key and a unique address, where the unique address may be a hash value of an elliptic curve cryptographic public key used by the blockchain 300.
  • the response condition includes the cross-chain payment behavior of the credit, and the cross-chain payment behavior of the credit is used to credit the payment behavior in the fee-sharing collection contract, so that the cost-sharing collection contract is established Afterwards, through the response conditions and the response rules, the user terminal can be automatically deducted from the account corresponding to the user terminal without re-crediting, thereby prompting the execution of the contract for amortized payment.
  • the blockchain 300 in the process that each terminal of the plurality of user terminals pays the fee and amortizes the agreed amount in the payment contract, the blockchain 300 can be chained through a third-party connector using relay technology
  • the value exchange between the outside and the chain realizes the payment of the agreed amount in the payment contract, and the relay technology may be Polkadot's relay technology.
  • the first token (token) circulating in the blockchain 300 is usually used for transactions in the blockchain 300, that is, within the chain, and the actual transaction process, that is, outside the chain, usually needs to use the transaction currency for transactions.
  • the transaction currency includes legal currency and other tokens, so that the first token is used in the fee-sharing collection contract, and the deduction is the transaction currency when the fee-sharing collection contract is executed, thereby
  • the value exchange between the off-chain and the in-chain of the blockchain 300 needs to be performed through the third-party connector, so as to realize the payment of the fee and amortize the agreed amount in the collection contract.
  • the total amount written in the fee-sharing collection contract is 20 tokens, and 20 tokens corresponds to 200 fiat currency.
  • the third-party connector is a connector provided by a third-party payment institution.
  • the third-party connector is used to provide payment credentials for each of the plurality of user terminals.
  • the overall process includes the following steps: First, each terminal uses the payment function provided by the third payment institution to make a payment, and uses the terminal's private key to sign the payment document; second, the third-party payment institution collects the payment document and generates a payment Voucher; and after detecting the existence of the payment voucher, automatically trigger the fee-sharing collection contract, and then control the cost-sharing collection contract to run locally, and automatically complete the deduction.
  • each terminal of the plurality of user terminals needs to use each in the process of running the fee-sharing payment contract.
  • the private key corresponding to the terminal signs the fee-sharing contract. It can be seen that each terminal has signed the private key of the fee-sharing collection contract, and on the basis of the private key signature, makes the fee-sharing collection contract mandatory, and the cost-sharing collection contract.
  • the response conditions of the contract terms include the credited cross-chain payment behavior, so that the payment behavior in the fee-sharing collection contract has been credited. In this way, the contract rules in the fee-sharing collection contract can be used for automatic collection.
  • the fee-sharing contract is a smart contract
  • the smart contract is a computer transaction agreement that executes the contract terms and is an important part of the blockchain 2.0.
  • AA payment based on smart contracts is a formula for participants' joint payment behavior. Once signed, it cannot be tampered with and is publicized on the entire network. Participants should jointly pay for the automatic execution of the collection after the expenditure occurs, without the need for participants to repeatedly confirm, so as to ensure full collection; and during the execution of the collection contract, it can automatically Deduction, compared with active deduction in the prior art, can effectively improve the collection efficiency and make the user experience better.
  • each terminal of the plurality of user terminals will automatically execute the fee-sharing payment contract locally after running the fee-sharing payment contract.
  • the contract creation terminal 100 initiates the AA payment contract, and discloses the content of the AA payment contract, to B1, B2, and B3 sends the contract address; after B1 receives the contract address, B1 downloads the AA collection contract from the contract address and runs the AA collection contract.
  • the payment account of B1 is written into the AA payment contract, and then the private key of B1 is used to sign the AA payment contract written into the payment account of B1, so that B1 becomes the contract of the AA payment contract Participants; after the contract creation terminals 100, B2, and B2 obtain the contract address, they perform the same operations as B1, and they all become contract participants of the AA collection contract; Participants create 4 terminals, 100, B1, B2, and B3 for the contract.
  • the payment account set in the AA payment contract is the payment account of B1
  • the deduction can be automatically completed through the cost-sharing collection contract, so that in the case of ensuring full payment, It can improve the efficiency of collection and make the user experience better.
  • the embodiments of the present specification provide a smart contract-based payment collection method, which is applied to a contract creation terminal among multiple user terminals, the multiple user terminals including all
  • the contract creation terminal and at least one contract participation terminal include:
  • the creation of a contract for amortized collection of fees in the blockchain specifically includes:
  • the creation of a contract for amortized collection of fees in the blockchain specifically includes:
  • the contract clauses include response conditions and response rules, wherein the response conditions include credited cross-chain payment behavior, and the response rules include the transaction amount is shared
  • the contract clauses include response conditions and response rules, wherein the response conditions include credited cross-chain payment behavior, and the response rules include the transaction amount is shared
  • the response condition includes a credited cross-chain payment behavior
  • the credited cross-chain payment behavior is used to credit the payment behavior in the fee-sharing payment contract, so that the fee-sharing payment is evenly distributed.
  • the method when creating the fee-sharing collection contract, the method further includes:
  • the method further includes:
  • the relay technology is used to exchange the value of the blockchain outside and inside the chain through a third-party connector to realize the payment of the fee and amortize the agreed amount in the collection contract, where the third-party connector is A connector provided by a third-party payment institution.
  • the embodiments of the present specification provide a smart contract-based payment method, which is applied to contract participation terminals among multiple user terminals, as shown in FIG. 3, including:
  • the method further includes:
  • the relay technology is used to exchange the value of the blockchain outside and inside the chain through a third-party connector to realize the payment of the fee and amortize the agreed amount in the collection contract, where the third-party connector is A connector provided by a third-party payment institution.
  • the operation of the fee-sharing collection contract specifically includes:
  • a contract creation terminal as shown in FIG. 4, including:
  • the contract creation unit 401 is used to create a contract for amortized payment in the blockchain
  • the contract address obtaining unit 402 is used to obtain the contract address of the contract for amortized payment
  • a contract address sending unit 403, configured to send the contract address to each terminal of at least one contract participating terminal;
  • a contract downloading unit 404 used to download the contract for amortized payment from the contract address
  • the contract execution unit 405 is configured to run the fee-sharing collection contract, and then automatically execute the fee-sharing collection contract locally to pay the agreed amount in the fee-sharing collection contract.
  • the contract creation unit 401 is specifically configured to obtain project data corresponding to the contract for amortized payments, wherein the project data includes the projects and expenditure amounts that are jointly participated in; according to the project data, Create the fee-sharing collection contract in the blockchain.
  • the contract creation unit 401 is specifically configured to set the contract terms of the fee-sharing contract, and the contract terms include response conditions and response rules, wherein the response conditions include For chain payment behavior, the response rule includes that after the transaction amount is evenly distributed, payment is initiated to each of the plurality of user terminals.
  • the response condition includes a credited cross-chain payment behavior
  • the credited cross-chain payment behavior is used to credit the payment behavior in the fee-sharing payment contract, so that the fee-sharing payment is shared
  • the signature unit is used for signing the fee-sharing collection contract by using the private key of the contract creation terminal when creating the fee-sharing collection contract.
  • the contract execution unit 405 is used to write the payment account of the contract creation terminal into the fee-sharing contract, and then use the private key of the contract creation terminal to write the payment All the fees mentioned in the account are amortized and signed by the contract.
  • the value exchange unit is used to perform the off-chain of the blockchain 300 through the third-party connector by using a relay technology in the process that each terminal of the plurality of user terminals pays the fee and distributes the agreed amount in the payment contract Exchange with the value in the chain to realize the payment of the fee and amortize the agreed amount in the payment contract, wherein the third-party connector is a connector provided by a third-party payment institution.
  • an embodiment of this specification provides a contract participation terminal, as shown in FIG. 5, including:
  • the contract address receiving unit 501 is used to receive the contract address of the fee-sharing contract sent by the contract creation terminal;
  • the contract execution unit 503 is configured to run the fee-sharing collection contract, and then automatically execute the fee-sharing collection contract locally to pay the agreed amount in the fee-sharing collection contract.
  • the method further includes:
  • the value exchange unit is used to exchange the value of the off-chain and in-chain value of the blockchain through a third-party connector during the process of paying the agreed amount in the average payment contract, using relay technology.
  • the third-party connector is a connector provided by a third-party payment institution.
  • the contract execution unit 503 is specifically configured to write the payment account of the contract participating terminal into the fee-sharing payment contract, and then use the private key of the contract participating terminal to write In order to sign the payment account, all the fees are shared in the payment contract.
  • an embodiment of this specification also provides an electronic device, as shown in FIG. 6, including a memory 604, a processor 602, and a storage in the memory
  • a computer program that can run on processor 602 on 604, and when the processor 602 executes the program, implements the steps of any method of the smart contract-based payment method described above.
  • the bus architecture (represented by the bus 600 ), the bus 600 may include any number of interconnected buses and bridges, and the bus 600 will include one or more processors and memory 604 represented by the processor 602.
  • the various circuits of the memory are linked together.
  • the bus 600 may also link various other circuits such as peripheral devices, voltage regulators, and power management circuits, etc., which are well known in the art, and therefore, they will not be further described herein.
  • the bus interface 605 provides an interface between the bus 600 and the receiver 601 and the transmitter 603.
  • the receiver 601 and the transmitter 603 may be the same element, that is, a transceiver, providing a unit for communicating with various other devices on a transmission medium.
  • the processor 602 is responsible for managing the bus 600 and general processing, and the memory 604 may be used to store data used by the processor 602 in performing operations.
  • embodiments of this specification also provide a computer-readable storage medium on which a computer program is stored, which is implemented when executed by a processor The steps of any method of the smart contract-based payment method described above.
  • These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device, the instructions
  • the device implements the functions specified in one block or multiple blocks in the flowchart one flow or multiple flows and/or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to generate computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and/or block diagrams.

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Abstract

一种基于智能合约的收款方法，在区块链中创建费用均摊收款合约(S202)，并将获取所述费用均摊收款合约的合约地址的发送给至少一个合约参与终端中的每个终端(S204)，使得多个用户终端的每个终端在从所述合约地址下载所述费用均摊收款合约之后(S206)，运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额(S208)，如此，在所述多个用户终端中每个终端均运行所述费用均摊收款合约之后，能够通过所述费用均摊收款合约自动完成扣款，从而在确保足额收款的情况下，还能够提高收款的效率，使得用户的体验更好。

Description

基于智能合约的收款方法、系统及可读存储介质 技术领域
本说明书实施例涉及数据处理技术领域，尤其涉及一种基于智能合约的收款方法、系统及可读存储介质。
背景技术
随着互联网技术的飞速发展，使得越来越多的应用安装到用户终端，而其中的第三支付应用在用户终端的使用率越来越高，在确保支付安全的情况下能够极大的提高支付效率。
第三支付应用的常见功能中通常包括AA收款，所述AA收款的核心内容是一人支付后由所有参与者平分支出，在AA收款场景下，需要参与者使用用户终端进行主动支付自身应付的金额，参与者主动支付自身应付的金额时会存在支付金额不足和不支付等问题，导致付款方已经付款但是不能足额收款的情况。
发明内容
本说明书实施例提供了一种基于智能合约的收款方法、系统及可读存储介质，能够在足额收款的情况下提高收款的效率，使得用户的体验更好。
本说明书实施例第一方面提供了一种基于智能合约的收款方法，应用于多个用户终端中的合约创建终端中，所述多个用户终端包括所述合约创建终端和至少一个合约参与终端，包括：
在区块链中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址；
将所述合约地址发送给所述至少一个合约参与终端中的每个终端；
从所述合约地址下载所述费用均摊收款合约；
运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例第二方面提供了一种基于智能合约的收款方法，应用于多个用户终端中的合约参与终端中，包括：
接收所述多个用户终端中的合约创建终端发送的费用均摊收款合约的合约地址；
从所述合约地址下载所述费用均摊收款合约；
运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例第三方面还提供了一种合约创建终端，包括：
合约创建单元，用于在区块链中创建费用均摊收款合约；
合约地址获取单元，用于获取所述费用均摊收款合约的合约地址；
合约地址发送单元，用于将所述合约地址发送给至少一个合约参与终端中的每个终端；
合约下载单元，用于从所述合约地址下载所述费用均摊收款合约；
合约执行单元，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例第四方面还提供了一种合约参与终端，包括：
合约地址接收单元，用于接收合约创建终端发送的费用均摊收款合约的合约地址；
合约地址下载单元，用于从所述合约地址下载所述费用均摊收款合约；
合约执行单元，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例第五方面还提供了一种基于智能合约的收款系统，所述系统包括多个用户终端，其中，所述多个用户终端包括合约创建终端和至少一个合约参与终端，包括：
所述合约创建终端，用于在区块链中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址，并将所述合约地址发送给所述至少一个合约参与终端中的每个终端；
所述多个用户终端中的每个终端，用于获取所述合约地址，并从所述合约地址下载所述费用均摊收款合约，并运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例第六方面还提供了一种电子设备，包括存储器、处理器及存储在 存储器上并可在处理器上运行的计算机程序，所述处理器执行所述程序时实现上述基于智能合约的收款方法的步骤。
本说明书实施例第七方面还提供了一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时上述基于智能合约的收款方法的步骤。
本说明书实施例的有益效果如下：
基于上述技术方案，在区块链中创建费用均摊收款合约，并将获取所述费用均摊收款合约的合约地址的发送给至少一个合约参与终端中的每个终端，使得多个用户终端的每个终端在从所述合约地址下载所述费用均摊收款合约之后，运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额，如此，在所述多个用户终端中每个终端均运行所述费用均摊收款合约之后，能够通过所述费用均摊收款合约自动完成扣款，从而在确保足额收款的情况下，还能够提高收款的效率，使得用户的体验更好。
附图说明
图1为本说明书实施例中基于智能合约的收款系统的系统架构图；
图2为本说明书实施例中基于智能合约的收款方法的第一种方法流程图；
图3为本说明书实施例中基于智能合约的收款方法的第二种方法流程图；
图4为本说明书实施例中合约创建终端的结构示意图；
图5为本说明书实施例中合约参与终端的结构示意图；
图6为本说明书上实施例中电子设备的结构示意图。
具体实施方式
为了更好的理解上述技术方案，下面通过附图以及具体实施例对本说明书实施例的技术方案做详细的说明，应当理解本说明书实施例以及实施例中的具体特征是对本说明书实施例技术方案的详细的说明，而不是对本说明书技术方案的限定，在不冲突的情况下，本说明书实施例以及实施例中的技术特征可以相互组合。
第一方面，如图1所示，本说明书实施例提供一种基于智能合约的收款系统，所述系统包括多个用户终端，其中，所述多个用户终端包括合约创建终端100和至少一个 合约参与终端200，包括：合约创建终端100，用于在区块链300中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址，并将所述合约地址发送给所述至少一个合约参与终端200中的每个终端；所述多个用户终端中的每个终端，用于获取所述合约地址，并从所述合约地址下载所述费用均摊收款合约，并运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
本说明书实施例中，合约创建终端100可以为所述多个用户终端中的任意一个用户终端；进一步地，所述费用均摊收款合约即AA收款合约。
本说明书实施例中，合约创建终端100在创建所述费用均摊收款合约时，首先需获取所述费用均摊收款合约对应的项目数据，其中，所述项目数据至少包括共同参与的项目和支出金额；然后根据所述项目数据，在区块链300中创建所述费用均摊收款合约。
当然，在创建所述费用均摊收款合约中还可以对每个终端所需支付的金额进行限制，如此，可以设定每个终端所需支付的最大金额。其中，所述项目数据还可以包括共同参与的项目的来源和共同参与的项目的时间等数据。
本说明书实施例中，合约创建终端100在创建所述费用均摊收款合约时，还需利用合约创建终端100的私钥对所述费用均摊收款合约进行签名。
本说明书实施例中，合约创建终端100创建所述费用均摊收款合约，具体包括：
设定所述费用均摊收款合约的合约主体和合约条款，所述合约主体为所述多个用户终端中的每个终端的支付账户，所述合约条款包括响应条件和响应规则，其中，所述响应条件包括授信的跨链支付行为，所述响应规则包括交易额均摊之后向所述多个用户终端中的各个终端发起收款。
本说明书实施例中，合约创建终端100在创建所述费用均摊收款合约过程中，还需设定所述费用均摊收款合约的收款账号，所述收款账号为所述多个用户终端中的任意一个终端的支付账户。
本说明书实施例中，所述支付账户可以用秘钥和唯一地址进行表示，其中，所述唯一地址可以是区块链300使用的椭圆曲线密码公钥的哈希值。
具体来讲，所述响应条件包括授信的跨链支付行为，所述授信的跨链支付行为用于对所述费用均摊收款合约中的支付行为进行授信，使得所述费用均摊收款合约成立之后，通过所述响应条件和所述响应规则，可以无需用户终端再次授信即可从该用户终端对应的账户中自动扣款，从而促使所述费用均摊收款合约自动完成执行。
本说明书实施例中，所述多个用户终端中的每个终端在运行所述费用均摊收款合约时，需要将该终端的支付账户写入所述费用均摊收款合约中，然后使用该终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
本说明书实施例中，在所述多个用户终端中的每个终端支付所述费用均摊收款合约中的约定金额过程中，可以使用中继技术通过第三方连接器进行区块链300的链外和链内的价值交换，实现所述支付所述费用均摊收款合约中的约定金额，其中，所述中继技术可以为Polkadot的中继技术。
具体地，由于区块链300中即链内通常使用在区块链300中流通的第一代币(token)进行交易，而实际交易过程中即链外通常需要使用交易币进行交易，其中，所述交易币包括法币和其他代币，如此，使得在所述费用均摊收款合约中使用的是第一代币，而在使用所述费用均摊收款合约执行时扣款是交易币，从而需要通过所述第三方连接器进行区块链300的链外和链内的价值交换，以实现所述支付所述费用均摊收款合约中的约定金额。
例如，所述费用均摊收款合约中写入的总额为20token，20token对应200法币，如此，在所述费用均摊收款合约中进行收款时，若对第一终端对应5token，根据token与法币的转换关系，则所述费用均摊收款合约在第一终端对应的账户中扣款5×(200/20)＝50法币。
具体来讲，所述第三方连接器为第三方支付机构提供的连接器，所述第三方连接器用于为所述多个用户终端中的每个终端提供支付凭证，其整体流程包括以下步骤：其一、每个终端使用所述第三支付机构提供的支付功能进行付款，并使用该终端的私钥对支付单据进行签名；其二、所述第三方支付机构收取所述支付单据，生成支付凭证；以及在检测到存在所述支付凭证之后，自动触发所述费用均摊收款合约，然后控制所述费用均摊收款合约在本地运行，自动完成扣款。
本说明书实施例中，所述多个用户终端中的每个终端在从所述合约地址下载所述费用均摊收款合约之后，在运行所述费用均摊收款合约过程中，还需使用每个终端对应的私钥对所述费用均摊收款合约进行签名。如此可知，每个终端均对所述费用均摊收款合约进行了私钥签名，在私钥签名的基础上使得所述费用均摊收款合约具有强制性，而所述费用均摊收款合约中的合约条款的响应条件包括授信的跨链支付行为，使得所述费用均摊收款合约中的支付行为已经授信，如此，可以利用所述费用均摊收款合约中的合约规则进行自动收款。
本说明书实施例中，所述费用均摊收款合约属于智能合约，而智能合约是执行合约条款的计算机交易协议，是区块链2.0的重要组成部分。基于智能合约的AA收款是参与者对于共同支付行为的公式，一经签订不可篡改，同时在全网公示。参与者应当共同负担的支出发生之后触发收款的自动执行，无需参与者重复确认，从而确保足额收款；而且在所述收款合约执行过程中，可在无需参与者再次确认的情况自动扣款，与现有技术中主动扣款相比，能够有效提高收款效率，使得用户的体验更好。
本说明书实施例中，所述多个用户终端中的每个终端在运行所述费用均摊收款合约之后，才会在本地自动执行所述费用均摊收款合约。
例如，若所述至少一个参与终端200包括智能手机B1、智能手机B2和智能手机B3，合约创建终端100发起所述AA收款合约，公开所述AA收款合约的内容，向B1、B2和B3发送合约地址；B1接收到所述合约地址之后，B1从所述合约地址下载所述AA收款合约，并运行所述AA收款合约，在运行所述AA收款合约过程中，会将B1的支付账户写入所述AA收款合约中，然后使用B1的私钥对写入了B1的支付账户的所述AA收款合约进行签名，从而使得B1成为所述AA收款合约的合约参与者；合约创建终端100、B2和B2在获取到所述合约地址之后，执行与B1相同的操作，均成为所述AA收款合约的合约参与者；如此，使得所述AA收款合约的参与者为合约创建终端100、B1、B2和B3这4个终端。
其中，若所述AA收款合约的内容为聚餐且总金额为50token，且一个token对应10法币，则根据所述AA收款合约中的响应规则，将总金额50token由上述4个终端均摊，从而确定出每个终端对应的法币为50×10/4＝125，然后根据所述AA收款合约向每个终端进行收款，其收款金额为法币125，即从合约创建终端100、B1、B2和B3这4个终端中的每个终端的支付账户中扣款法币125。
进一步的，若所述AA收款合约中设定的收款账号为B1的支付账户，则将上述4个终端中每个终端的支付账户中扣款均放入B1的支付账户中，从而将125×4＝500法币放入B1的支付账户中。如此，在所述多个用户终端中每个终端均运行所述费用均摊收款合约之后，能够通过所述费用均摊收款合约自动完成扣款，从而在确保足额收款的情况下，还能够提高收款的效率，使得用户的体验更好。
第二方面，基于与第一方面的同一发明构思，本说明书实施例提供一种基于智能合约的收款方法，应用于多个用户终端中的合约创建终端中，所述多个用户终端包括所述合约创建终端和至少一个合约参与终端，如图2所示，包括：
S202、在区块链中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址；
S204、将所述合约地址发送给所述至少一个合约参与终端中的每个终端；
S206、从所述合约地址下载所述费用均摊收款合约；
S208、运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
在一种可选方式中，所述在区块链中创建费用均摊收款合约，具体包括：
获取所述费用均摊收款合约对应的项目数据，其中，所述项目数据包括共同参与的项目和支出金额；
根据所述项目数据，在所述区块链中创建所述费用均摊收款合约。
在一种可选方式中，所述在区块链中创建费用均摊收款合约，具体包括：
设定所述费用均摊收款合约的合约条款，所述合约条款包括响应条件和响应规则，其中，所述响应条件包括授信的跨链支付行为，所述响应规则包括交易额均摊之后向所述多个用户终端中的各个终端发起收款。
本说明书实施例中，所述响应条件包括授信的跨链支付行为，所述授信的跨链支付行为用于对所述费用均摊收款合约中的支付行为进行授信，使得所述费用均摊收款合约成立之后，通过所述响应条件和所述响应规则，可以无需终端再次授信即可从该终端对应的账户中自动扣款，从而促使所述费用均摊收款合约自动完成执行，能够在确保足额收款的情况下，还能够提高收款的效率，使得用户的体验更好。
在一种可选方式中，在创建所述费用均摊收款合约时，所述方法还包括：
利用所述合约创建终端的私钥对所述费用均摊收款合约进行签名。
在一种可选方式中，在所述多个用户终端中的每个终端支付所述费用均摊收款合约中的约定金额过程中，所述方法还包括：
使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换，实现所述支付所述费用均摊收款合约中的约定金额，其中，所述第三方连接器为第三方支付机构提供的连接器。
第三方面，基于与第一方面的同一发明构思，本说明书实施例提供一种基于智能 合约的收款方法，应用于多个用户终端中的合约参与终端中，如图3所示，包括：
S302、接收所述多个用户终端中的合约创建终端发送的费用均摊收款合约的合约地址；
S304、从所述合约地址下载所述费用均摊收款合约；
S306、运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
在一种可选实施方式中，在支付所述费用均摊收款合约中的约定金额过程中，所述方法还包括：
使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换，实现所述支付所述费用均摊收款合约中的约定金额，其中，所述第三方连接器为第三方支付机构提供的连接器。
在一种可选实施方式中，所述运行所述费用均摊收款合约，具体包括：
将所述合约参与终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约参与终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
第四方面，基于与第二方面的同一发明构思，本说明书实施例提供一种合约创建终端，如图4所示，包括：
合约创建单元401，用于在区块链中创建费用均摊收款合约；
合约地址获取单元402，用于获取所述费用均摊收款合约的合约地址；
合约地址发送单元403，用于将所述合约地址发送给至少一个合约参与终端中的每个终端；
合约下载单元404，用于从所述合约地址下载所述费用均摊收款合约；
合约执行单元405，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
在一种可选方式中，合约创建单元401，具体用于获取所述费用均摊收款合约对应的项目数据，其中，所述项目数据包括共同参与的项目和支出金额；根据所述项目数据，在所述区块链中创建所述费用均摊收款合约。
在一种可选方式中，合约创建单元401，具体用于设定所述费用均摊收款合约的合 约条款，所述合约条款包括响应条件和响应规则，其中，所述响应条件包括授信的跨链支付行为，所述响应规则包括交易额均摊之后向所述多个用户终端中的各个终端发起收款。
本说明书实施例中，所述响应条件包括授信的跨链支付行为，所述授信的跨链支付行为用于对所述费用均摊收款合约中的支付行为进行授信，使得所述费用均摊收款合约成立之后，通过所述响应条件和所述响应规则，可以无需终端再次授信即可从该终端对应的账户中自动扣款，从而促使所述费用均摊收款合约自动完成执行。
在一种可选方式中，还包括：
签名单元，用于在创建所述费用均摊收款合约时，利用所述合约创建终端的私钥对所述费用均摊收款合约进行签名。
在一种可选方式中，合约执行单元405，用于将所述合约创建终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约创建终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
在一种可选方式中，还包括：
价值交换单元，用于在所述多个用户终端中的每个终端支付所述费用均摊收款合约中的约定金额过程中，使用中继技术通过第三方连接器进行区块链300的链外和链内的价值交换，实现所述支付所述费用均摊收款合约中的约定金额，其中，所述第三方连接器为第三方支付机构提供的连接器。
第五方面，基于与第三方面的同一发明构思，本说明书实施例提供一种合约参与终端，如图5所示，包括：
合约地址接收单元501，用于接收合约创建终端发送的费用均摊收款合约的合约地址；
合约地址下载单元502，用于从所述合约地址下载所述费用均摊收款合约；
合约执行单元503，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
在一种可选实施方式中，还包括：
价值交换单元，用于在支付所述费用均摊收款合约中的约定金额过程中，使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换，其中，所述第三方 连接器为第三方支付机构提供的连接器。
在一种可选实施方式中，合约执行单元503，具体用于将所述合约参与终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约参与终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
第六方面，基于与前述实施例中基于智能合约的收款方法同样的发明构思，本说明书实施例还提供一种电子设备，如图6所示，包括存储器604、处理器602及存储在存储器604上并可在处理器602上运行的计算机程序，所述处理器602执行所述程序时实现前文所述基于智能合约的收款方法的任一方法的步骤。
其中，在图6中，总线架构(用总线600来代表)，总线600可以包括任意数量的互联的总线和桥，总线600将包括由处理器602代表的一个或多个处理器和存储器604代表的存储器的各种电路链接在一起。总线600还可以将诸如外围设备、稳压器和功率管理电路等之类的各种其他电路链接在一起，这些都是本领域所公知的，因此，本文不再对其进行进一步描述。总线接口605在总线600和接收器601和发送器603之间提供接口。接收器601和发送器603可以是同一个元件，即收发机，提供用于在传输介质上与各种其他装置通信的单元。处理器602负责管理总线600和通常的处理，而存储器604可以被用于存储处理器602在执行操作时所使用的数据。
第七方面，基于与前述实施例中基于智能合约的收款方法的发明构思，本说明书实施例还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现前文所述基于智能合约的收款方法的任一方法的步骤。
本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的设备。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令设备的制造品，该指令设备实现在流程图一个流程或多个流程和/或方框图一个方框 或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本说明书的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本说明书范围的所有变更和修改。
显然，本领域的技术人员可以对本说明书进行各种改动和变型而不脱离本说明书的精神和范围。这样，倘若本说明书的这些修改和变型属于本说明书权利要求及其等同技术的范围之内，则本说明书也意图包含这些改动和变型在内。

Claims (19)

  1. 一种基于智能合约的收款方法，应用于多个用户终端中的合约创建终端中，所述多个用户终端包括所述合约创建终端和至少一个合约参与终端，包括：
    在区块链中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址；
    将所述合约地址发送给所述至少一个合约参与终端中的每个终端；
    从所述合约地址下载所述费用均摊收款合约；
    运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
  2. 如权利要求1所述的收款方法，所述在区块链中创建费用均摊收款合约，具体包括：
    获取所述费用均摊收款合约对应的项目数据，其中，所述项目数据包括共同参与的项目和支出金额；
    根据所述项目数据，在所述区块链中创建所述费用均摊收款合约。
  3. 如权利要求1所述的收款方法，所述在区块链中创建费用均摊收款合约，具体包括：
    设定所述费用均摊收款合约的合约条款，所述合约条款包括响应条件和响应规则，其中，所述响应条件包括授信的跨链支付行为，所述响应规则包括交易额均摊之后向所述多个用户终端中的各个终端发起收款。
  4. 如权利要求1所述的收款方法，所述运行所述费用均摊收款合约，具体包括：
    将所述合约创建终端的支付账户写入所述费用均摊收款合约中；
    使用所述合约创建终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
  5. 如权利要求1所述的收款方法，所述支付所述费用均摊收款合约中的约定金额包括：
    使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换,实现所述支付所述费用均摊收款合约中的约定金额，其中，所述第三方连接器为第三方支付机构提供的连接器。
  6. 一种基于智能合约的收款方法，应用于多个用户终端中的合约参与终端中，包括：
    接收所述多个用户终端中的合约创建终端发送的费用均摊收款合约的合约地址；
    从所述合约地址下载所述费用均摊收款合约；
    运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
  7. 如权利要求6所述的收款方法，运行所述费用均摊收款合约，具体包括：
    将所述合约参与终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约创建终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
  8. 如权利要求6所述的收款方法，在支付所述费用均摊收款合约中的约定金额过程中，所述方法还包括：
    使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换，其中，所述第三方连接器为第三方支付机构提供的连接器。
  9. 一种合约创建终端，包括：
    合约创建单元，用于在区块链中创建费用均摊收款合约；
    合约地址获取单元，用于获取所述费用均摊收款合约的合约地址；
    合约地址发送单元，用于将所述合约地址发送给至少一个合约参与终端中的每个终端；
    合约下载单元，用于从所述合约地址下载所述费用均摊收款合约；
    合约执行单元，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
  10. 如权利要求9所述的终端，所述合约创建单元，具体用于获取所述费用均摊收款合约对应的项目数据，其中，所述项目数据包括共同参与的项目和支出金额；根据所述项目数据，在所述区块链中创建所述费用均摊收款合约。
  11. 如权利要求9所述的终端，所述合约创建单元，具体用于设定所述费用均摊收款合约的合约条款，所述合约条款包括响应条件和响应规则，其中，所述响应条件包括授信的跨链支付行为，所述响应规则包括交易额均摊之后向所述多个用户终端中的各个终端发起收款。
  12. 如权利要求9所述的终端，所述合约执行单元，用于将所述合约创建终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约创建终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
  13. 如权利要求9所述的终端，还包括：
    价值交换单元，用于在所述多个用户终端中的每个终端支付所述费用均摊收款合约中的约定金额过程中，使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换,其中，所述第三方连接器为第三方支付机构提供的连接器。
  14. 一种合约参与终端，包括：
    合约地址接收单元，用于接收合约创建终端发送的费用均摊收款合约的合约地址；
    合约地址下载单元，用于从所述合约地址下载所述费用均摊收款合约；
    合约执行单元，用于运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
  15. 如权利要求14的终端，所述合约执行单元，具体用于将所述合约参与终端的支付账户写入所述费用均摊收款合约中，然后使用所述合约参与终端的私钥对写入了支付账户的所述费用均摊收款合约进行签名。
  16. 如权利要求14的终端，还包括：
    价值交换单元，用于在支付所述费用均摊收款合约中的约定金额过程中，使用中继技术通过第三方连接器进行所述区块链的链外和链内的价值交换,实现所述支付所述费用均摊收款合约中的约定金额，实现所述支付所述费用均摊收款合约中的约定金额，其中，所述第三方连接器为第三方支付机构提供的连接器。
  17. 一种基于智能合约的收款系统，所述系统包括多个用户终端，其中，所述多个用户终端包括合约创建终端和至少一个合约参与终端，包括：
    所述合约创建终端，用于在区块链中创建费用均摊收款合约，并获取所述费用均摊收款合约的合约地址，并将所述合约地址发送给所述至少一个合约参与终端中的每个终端；
    所述多个用户终端中的每个终端，用于获取所述合约地址，并从所述合约地址下载所述费用均摊收款合约，并运行所述费用均摊收款合约，然后在本地自动执行所述费用均摊收款合约，支付所述费用均摊收款合约中的约定金额。
  18. 一种电子设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述程序时实现权利要求1-8任一项所述方法的步骤。
  19. 一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现权利要求1-8任一项所述方法的步骤。
PCT/CN2019/124203 2019-01-08 2019-12-10 基于智能合约的收款方法、系统及可读存储介质 WO2020143378A1 (zh)

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