WO2020192272A1 - 基于区块链的转账方法、系统、计算设备及存储介质 - Google Patents

基于区块链的转账方法、系统、计算设备及存储介质 Download PDF

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WO2020192272A1
WO2020192272A1 PCT/CN2020/073857 CN2020073857W WO2020192272A1 WO 2020192272 A1 WO2020192272 A1 WO 2020192272A1 CN 2020073857 W CN2020073857 W CN 2020073857W WO 2020192272 A1 WO2020192272 A1 WO 2020192272A1
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smart contract
user
account
business
module
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French (fr)
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胡多峰
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Definitions

  • This specification relates to the field of blockchain technology, in particular to a blockchain-based transfer method, system, computing device, and storage medium.
  • mutual insurance belongs to the post-payment model. After the case is out of risk, funds are collected in a fixed-time cycle and batch withholding. After the collection is completed, the funds need to be transferred between the accounts of relevant institutions and can be transferred to the insurer’s account after a period of time. The process lasts for a long period of time and cannot bring a good user experience to users.
  • the embodiments of this specification provide a blockchain-based transfer method, system, computing device, and storage medium to solve the technical defects in the prior art.
  • a blockchain-based transfer method including:
  • the transfer task is automatically executed to complete the transfer process to the user.
  • creating a smart contract corresponding to the business request according to the business request includes:
  • the smart contract is created according to the flow sequence of funds between the fund transfer account and the user's receiving account.
  • writing the smart contract into the blockchain network includes:
  • the smart contract When the validity of the smart contract is successfully verified, the smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the smart contract after the smart contract is written into the blockchain network, it further includes:
  • monitoring whether the smart contract meets the conditions for automatic execution includes:
  • fund collection is performed.
  • the fund collection before the fund collection, it also includes:
  • the amount value is used as the amount to be deducted from the account of each project member.
  • a prompt message indicating that the service processing fails is displayed.
  • a blockchain-based transfer system including:
  • the receiving module is configured to receive a service processing request, where the service processing request carries the user's identity and service information;
  • a creation module configured to create a smart contract corresponding to the business request according to the business request and write the smart contract into the blockchain network;
  • the execution module is configured to automatically execute the transfer task and complete the transfer process to the user when the automatic execution condition of the smart contract is met.
  • the creation module includes:
  • the obtaining sub-module is configured to obtain the identity of the user, and determine the corresponding collection account information according to the identity;
  • the extraction sub-module is configured to extract business information and fund transfer account information from the business request;
  • the verification sub-module is configured to verify the legality and accuracy of the fund transfer account information and the user's receiving account information
  • the creation sub-module is configured to create according to the sequence of the transfer of funds between the fund transfer account and the user's receiving account in the case of successful verification of the fund transfer account information and the user's receiving account information The smart contract.
  • the creation module further includes:
  • the transmission sub-module is configured to transfer the smart contract signed with the private key to the blockchain network
  • the processing sub-module is configured to verify the validity of the smart contract passed into the blockchain network
  • the diffusion sub-module is configured to integrate the smart contract into a hash block ID when the validity of the smart contract is successfully verified, and spread the hash block ID to the entire network.
  • a blockchain-based transfer system further includes:
  • the monitoring module is configured to monitor whether the smart contract meets the conditions for automatic execution.
  • the monitoring module is specifically used for:
  • a blockchain-based transfer system further includes:
  • the extraction module is configured to extract the user's identity and business information from the business processing request
  • the judgment module is configured to judge whether the user meets preset service processing conditions according to the user's identity and service information
  • the aggregation module is configured to perform fund aggregation when the user meets the preset service processing conditions.
  • the aggregation module is specifically configured to:
  • the amount value is used as the amount to be deducted from the account of each project member.
  • a computing device including a memory, a processor, and computer instructions stored in the memory and executable on the processor.
  • the processor implements the Steps of blockchain-based transfer method.
  • a computer-readable storage medium which stores computer instructions that, when executed by a processor, implement the steps of the blockchain-based transfer method.
  • a blockchain-based transfer method through a blockchain-based transfer method, system computing equipment and storage medium, first obtain the user’s business information, receiving account information, and fund transfer account information, and then obtain the funds in the fund transfer account and
  • the flow sequence between the user's receiving accounts creates a self-powered contract, and uploads the smart contract to the blockchain, so that the blockchain nodes reach a consensus on the smart contract, ensuring that the smart contract cannot be tampered with, and during business processing , If the automatic execution conditions of the smart contract are met, the transfer task can be automatically executed according to the capital flow sequence declared in the contract, realizing fast transfer to users, and the transfer process and transfer results are open and transparent, which increases credibility and can also give The user brings a better experience.
  • Figure 1 is a structural block diagram of a computing device provided by an embodiment of the present application.
  • Figure 2 is a flowchart of a blockchain-based transfer method provided by an embodiment of the present application
  • FIG. 3 is a flowchart of a method for creating a smart contract in a blockchain-based transfer method provided by an embodiment of the present application
  • FIG. 4 is a flowchart of a method for writing a smart contract into a blockchain in a blockchain-based transfer method provided by an embodiment of the application;
  • FIG. 5 is a flowchart of a fund collection method in a blockchain-based transfer method provided by an embodiment of the application
  • Fig. 6 is a flowchart of a blockchain-based transfer method provided by an embodiment of the present application.
  • Fig. 7 is a schematic structural diagram of a blockchain-based transfer system provided by an embodiment of the present application.
  • first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • the first may also be referred to as the second, and similarly, the second may also be referred to as the first.
  • word “if” as used herein can be interpreted as "when” or “when” or "in response to determination”.
  • Fig. 1 shows a structural block diagram of a computing device 100 according to an embodiment of the present specification.
  • the components of the computing device 100 include, but are not limited to, a memory 110 and a processor 120.
  • the processor 120 and the memory 110 are connected through a bus 130, and the database 150 is used to store data.
  • the computing device 100 also includes an access device 140 that enables the computing device 100 to communicate via one or more networks 160.
  • networks include public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), personal area network (PAN), or a combination of communication networks such as the Internet.
  • the access device 140 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global interconnection for microwave access ( Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.
  • NIC network interface card
  • the aforementioned components of the computing device 100 and other components not shown in FIG. 1 may also be connected to each other, for example, via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 1 is for illustrative purposes only, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.
  • the computing device 100 can be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (for example, a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a netbook, etc.), a mobile phone (for example, a smart phone). ), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs.
  • the computing device 100 may also be a mobile or stationary server.
  • Fig. 2 shows a flowchart of a blockchain-based transfer method according to an embodiment of the present specification, including steps 202 to 206.
  • Step 202 Receive a service processing request, where the service processing request carries the user's identity and service information.
  • the user is a project member who is out of danger and needs to settle claims.
  • the user’s identity includes basic information such as the user’s name, age, gender, and address.
  • the user’s business information includes the insurance policy Number, insurance category, insurance name, insurance amount, insurance period and other information.
  • Step 204 Create a smart contract corresponding to the service request according to the service request and write the smart contract into the blockchain network.
  • the process of creating a smart contract corresponding to the business request according to the business request in step 204 can be implemented through the steps shown in FIG. 3, including steps 302 to 308.
  • Step 302 Obtain the identity of the user, and determine the corresponding collection account information according to the identity.
  • the insurance item is still taken as an example.
  • the receiving account is the account of the user to be claimed.
  • the user’s identity includes basic information such as the user’s name, age, gender, and address, as well as the user’s account information.
  • the business server can directly obtain the payment account information from the user’s identity.
  • Step 304 Extract business information and fund transfer account information from the business request.
  • the fund transfer account includes an insurance company account, a bank account, and a financial service platform account.
  • Step 306 Verify the legality and accuracy of the fund transfer account information and the user's receiving account information.
  • a smart contract before generating the smart contract, it is necessary to perform pre-checking of user information and fund transfer account information, including checking the legality and accuracy of each account information. If the legality and accuracy of each account is If the verification is successful, a smart contract can be created. If the verification of the legitimacy or accuracy of at least one account fails, a prompt message indicating that the business processing has failed is displayed.
  • Step 308 In the case where the verification of the fund transfer account information and the user's receiving account information is successful, create the smart contract according to the sequence of the transfer of funds between the fund transfer account and the user's receiving account .
  • a smart contract is a set of promises defined in digital form, including an agreement on which contract participants can execute these promises.
  • a more popular description is that a smart contract is a contract that can be automatically executed on a computer system when certain conditions are met.
  • a smart contract is created.
  • the smart contract sets the flow sequence of funds between the fund transfer account and the receiving account, and the automatic smart contract The execution conditions and the identity of the user corresponding to the smart contract.
  • the sequence of the capital flow in the smart contract is the financial service platform, the bank, the insurance company, and the user's collection account.
  • the account information of the fund transfer account and the receiving account is pre-checked, which can effectively reduce the error rate during the payment process and ensure the efficiency of the payment process Sex, accuracy and safety.
  • Step 206 When the automatic execution condition of the smart contract is met, the transfer task is automatically executed to complete the transfer process to the user.
  • the monitoring node in the blockchain network, will periodically traverse the automatic execution status, transaction, and trigger conditions of each smart contract to determine whether the monitoring smart contract meets the automatic execution conditions. If the contract meets the conditions for automatic execution, the business information corresponding to the smart contract is read from the blockchain, and the consistency verification is performed in the blockchain network, that is, another consensus of the smart contract is carried out to prove that the information in the smart contract is not Has been tampered with.
  • a passenger after purchasing a ticket for flight A, a passenger sends a smart contract creation request to the business server.
  • the smart contract creation request carries the passenger's identity, airline account information, and passenger ticket purchase information .
  • the business server receives the smart contract creation request, creates a smart contract corresponding to the smart contract creation request according to the smart contract creation request, and writes the smart contract into the blockchain network, the specific smart contract creation process as follows:
  • the business server extracts the passenger’s identity, ticket purchase information, and airline account information from the smart contract creation request, determines the passenger’s account information based on the identity, and then checks the legitimacy and accuracy of the passenger and the airline’s account Perform a check.
  • the smart contract is created according to the sequence of funds transfer between the airline account and the passenger’s account.
  • the content of the smart contract includes: passenger A flight has been purchased. If flight A is delayed, the airline needs to compensate the passenger. The amount of compensation is M yuan.
  • the contract content also includes the account information of the passenger and the airline, as well as the identity of the passenger and the ticket purchase Information, the smart contract is created and uploaded to the blockchain.
  • the blockchain nodes agree and store the smart contract. Then the smart contract regularly checks whether the automatic execution conditions are met, that is, whether flight A is delayed. If flight A is detected to be delayed, Then, according to the content of the contract, M yuan is automatically transferred from the airline account to the user's receiving account.
  • smart contracts can also be used to urge contracting parties to comply with treaty obligations. Take automatic repayment as an example. If a user purchases a house with a loan, he needs to repay the loan institution regularly to ensure that the user can To repay the loan on time, the lending institution can send a smart contract creation request to the business server.
  • the smart contract creation request carries the user’s identity, the lending institution’s account information and the user’s house purchase information.
  • the business server receives the smart contract creation request , Create a smart contract corresponding to the smart contract creation request according to the smart contract creation request, and write the smart contract into the blockchain network.
  • the specific smart contract creation process is as follows:
  • the business server extracts the user’s identity, purchase information, and loan institution’s account information from the smart contract creation request, determines the user’s account information based on the identity, and then checks the legality and accuracy of the user’s and loan institution’s accounts Perform verification.
  • the smart contract is created according to the sequence of funds transfer between the lending institution’s account and the user’s account.
  • the content of the smart contract includes: the user To purchase a house through a loan, the loan fee is N yuan, and N yuan is repaid to the lending institution regularly on the 25th of each month. The repayment period is 3 years.
  • the contract content also includes the account information of the user and the lending institution and
  • the user’s identity and purchase information are uploaded to the blockchain after the smart contract is created, and the blockchain nodes agree on the smart contract and store it, and then the smart contract regularly checks whether the automatic execution conditions are met, that is, whether the user is before the 25th Repay N yuan to the lending institution. If it is detected that the user has not repaid the loan before the 25th, the N yuan will be automatically transferred from the user’s account to the lending institution’s account according to the content of the contract.
  • a smart contract is created and uploaded to the blockchain, so that the blockchain nodes reach a consensus on the smart contract, which ensures that the smart contract cannot be tampered with.
  • the automatic execution conditions of the contract can automatically execute the transfer task according to the capital flow sequence stated in the contract, which realizes the rapid transfer of funds to users, greatly shortens the business processing time, and the transfer process and transfer results are open and transparent, increasing credibility , Can also bring a better user experience.
  • the process of writing the smart contract into the blockchain network in step 204 can be implemented through the steps in FIG. 4, including steps 402 to 406.
  • Step 402 Transfer the smart contract signed with the private key to the blockchain network.
  • a smart contract is first created according to the information in the business processing request, and the smart contract is transferred to the blockchain.
  • smart contracts can be spread to blockchain nodes through a peer-to-peer network or consensus algorithm.
  • Peer-to-peer network refers to a peer-to-peer computer network, which is a way of distributing tasks and work between peers.
  • the distributed application architecture of the load is a networking or network form formed by the peer-to-peer computing model at the application layer. Its characteristics include decentralization, scalability, and high cost performance.
  • Step 404 Verify the validity of the smart contract passed into the blockchain network.
  • the smart contract is spread through the network and stored on each node of the blockchain.
  • Each blockchain node verifies the validity of the stored smart contract. If the validity verification is successful, a consensus is reached. It is a kind of block chain that does not need to know each other and does not need to establish a trust relationship between the participants.
  • the block chain node completes the identification and verification process of the smart contract. Only the smart contract that has passed the consensus will be Write the block and store it in the blockchain.
  • Step 406 After the validity of the smart contract is successfully verified, the smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the blockchain nodes in the blockchain include equipment nodes of related business organizations that access the blockchain, service equipment of the Internet platform, and equipment of regulatory agencies.
  • consensus is the process of establishing trust and obtaining rights between different nodes. Through consensus and verification of smart contracts, the authenticity of smart contracts is guaranteed. After consensus and verification are passed, smart contracts are stored in Blockchain nodes ensure that smart contracts cannot be tampered with.
  • the blockchain-based transfer method shown in FIG. 2 further includes a process of collecting transfer funds before performing step 202. Specifically, referring to FIG. 5, it includes steps 502 to 508.
  • Step 502 Receive a service processing request, where the service processing request carries the user's identity and service information.
  • Step 504 Extract the user's identity and service information from the service processing request.
  • Step 506 Determine whether the user meets the preset service processing conditions according to the user's identity and service information.
  • the insurance project is still taken as an example.
  • a claim request is sent to the business server.
  • the claim request carries the user’s identity and claim information, and the identity includes the user’s Basic information such as name, age, gender, and address.
  • the claim information includes information such as policy number, insurance type, insurance name, insurance amount, insurance period, etc.
  • the business server will determine whether the user meets the preset requirements based on the information carried in the claim request Claim conditions.
  • Step 508 When the user meets the preset service processing conditions, perform fund collection.
  • a post-paid mutual insurance project is taken as an example.
  • the mechanism of post-paid mutual insurance is that when a project member who joins a post-paid mutual assistance project is out of danger, other project members who join the project shall jointly bear the premium.
  • each project The member’s insurance premium M is 300,000. Assuming that the total number of project members is N, the default share of each project member is Q. If X members are in danger, the cost P that each member of the other project members has to bear is X *The value of M/N, after calculating the value of P, it is necessary to judge whether P is greater than the preset average allocation Q.
  • the cost to be borne by each project member is P
  • P is greater than Q
  • the cost to be borne by each project member is Q.
  • the corresponding cost is deducted from the account of the project member, and the deducted cost is collected into a fund transfer Out of the account.
  • FIG. 6 shows a flowchart of a blockchain-based transfer method according to an embodiment of this specification, including steps 602 to 608.
  • A is the fund collection process
  • B is the payment process based on smart contracts on the blockchain.
  • Step 602 Initiate a deduction request regularly.
  • a future-paid mutual insurance project is taken as an example. If a project member is out of danger and initiates a claim request, first verify the identity and medical information carried in the claim request of the project member. If the verification result is this If project members meet the preset claim conditions, the financial service platform will periodically initiate deduction requests to other project members for deduction.
  • Step 604 Perform batch deductions from the account of the project member according to the deduction amount.
  • the deduction amount of each project member’s account needs to be calculated before timing a deduction request to other project members for deduction.
  • the detailed calculation steps are described in step 508 in Figure 5, and will not be repeated here.
  • the financial service platform will perform batch deductions from the accounts of project members.
  • Step 606 Collect the funds withheld in batches.
  • the fund collection is to collect the funds deducted in batches to the financial service platform, and complete the claims for the members of the present project based on the collected funds.
  • Step 608 Execute the smart contract.
  • the nodes that access the blockchain include: equipment nodes of banks, equipment nodes of insurance companies, equipment nodes of financial service platforms, and equipment nodes of regulatory agencies.
  • a smart contract is created based on the information in the claim settlement request, and the smart contract is written to the blockchain node.
  • the first business server stores The smart contract regularly monitors the state of the automaton, and when it detects that the automatic execution conditions of the smart contract are met, the smart contract is automatically executed, and the funds declared in the smart contract of each node of the block chain in B are sequentially transferred to the financial service platform , Banks, insurance companies, and the sequence of transfers between the receiving accounts of the members of the insurance projects complete the transfer tasks to the members of the insurance projects.
  • the process of creating a smart contract and the process of collecting funds can be synchronized, and the smart contract is created and uploaded to the blockchain, so that the blockchain nodes reach a consensus on the smart contract .
  • the transfer task can be automatically executed according to the capital flow sequence declared in the contract, which realizes the rapid transfer of users and greatly shortens the time of claim settlement , And the transfer process and transfer results are open and transparent, which increases credibility and can also bring a better user experience.
  • FIG. 7 shows a schematic structural diagram of a blockchain-based transfer system according to an embodiment of this specification. As shown in FIG. 7, it includes: a receiving module 702, a creating module 704, and an executing module 706.
  • the receiving module 702 is configured to receive a service processing request, where the service processing request carries the user's identity and service information;
  • the creation module 704 is configured to create a smart contract corresponding to the business request according to the business request and write the smart contract into the blockchain network;
  • the execution module 706 is configured to automatically execute the transfer task to complete the transfer process to the user when the automatic execution condition of the smart contract is met.
  • the execution module is also configured to periodically traverse the automatic execution status, transactions, and trigger conditions of each smart contract to determine whether the monitoring smart contract meets the automatic execution conditions.
  • the creation module includes:
  • the obtaining sub-module is configured to obtain the identity of the user, and determine the corresponding collection account information according to the identity;
  • the extraction sub-module is configured to extract business information and fund transfer account information from the business request;
  • the verification sub-module is configured to verify the legality and accuracy of the fund transfer account information and the user's receiving account information
  • the creation sub-module is configured to create according to the sequence of the transfer of funds between the fund transfer account and the user's receiving account in the case of successful verification of the fund transfer account information and the user's receiving account information The smart contract.
  • the verification submodule is also configured to perform pre-verification on user information and fund transfer account information, including verifying the legitimacy and accuracy of each account information. If the legitimacy and accuracy of each account is If the verification is successful, a smart contract can be created. If the verification of the legitimacy or accuracy of at least one account fails, a prompt message indicating that the business processing has failed is displayed.
  • the creation module further includes:
  • the transmission sub-module is configured to transfer the smart contract signed with the private key to the blockchain network
  • the processing sub-module is configured to verify the validity of the smart contract passed into the blockchain network
  • the diffusion sub-module is configured to integrate the smart contract into a hash block ID when the validity of the smart contract is successfully verified, and spread the hash block ID to the entire network.
  • the transmission sub-module is also configured to spread smart contracts to blockchain nodes through a peer-to-peer network or consensus algorithm.
  • the consensus time is up, the nodes in the blockchain will be stored in memory All of the smart contracts form a smart contract collection, and the hash value of the collection is calculated, and a block is formed by the hash value and the smart contract collection;
  • the processing sub-module is also configured to obtain the hash value corresponding to the smart contract collection in the block, and compare the hash value with the hash value of the saved smart contract collection, and the blockchain node will check When the set of smart contracts reach an agreement, the consensus is passed, and the set of smart contracts passed by the consensus is obtained.
  • the blockchain-based transfer system further includes: a monitoring module configured to monitor whether the smart contract reaches the automatic execution condition.
  • the monitoring module is specifically used for:
  • the blockchain-based transfer system further includes:
  • the extraction module is configured to extract the user's identity and business information from the business processing request
  • the judgment module is configured to judge whether the user meets preset service processing conditions according to the user's identity and service information
  • the aggregation module is configured to perform fund aggregation when the user meets the preset service processing conditions.
  • the aggregation module is specifically used for:
  • the amount value is used as the amount to be deducted from the account of each project member.
  • a prompt message indicating that the service processing has failed is displayed.
  • the blockchain is a chained data structure that combines data blocks in a sequential manner in a chronological order, and is cryptographically guaranteed to be non-tamperable and non-forgeable distributed Ledger.
  • Smart contracts are contract codes that run on the blockchain and have become an indispensable part of blockchain applications. Smart contract is to promote the execution of contract through agreement and user interface. It is the key to forming a secure and digital relationship on the Internet. Smart contracts need to have the characteristics of consistency, observability, verifiability, self-enforcement, and access control.
  • the smart contract is written into the blockchain in a digital form, which ensures that the entire transfer process is transparent and trackable, and at the same time, it also ensures that the smart contract and transfer information cannot be tampered with.
  • the smart contract regularly checks the state of the automaton. If it detects that the automatic execution conditions of the smart contract are met, the smart contract is automatically executed, so that the smart contract can run efficiently, realize fast payment, and therefore provide a better user experience.
  • An embodiment of this specification also provides a computing device, including a memory, a processor, and computer instructions stored in the memory and capable of running on the processor.
  • the processor implements the aforementioned The steps of the blockchain transfer method.
  • An embodiment of the present application also provides a computer-readable storage medium that stores computer instructions that, when executed by a processor, implement the steps of a blockchain-based transfer method as described above.
  • the computer instructions include computer program codes, and the computer program codes may be in the form of source code, object code, executable files, or some intermediate forms.
  • the computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electrical carrier signal, telecommunications signal, and software distribution media. It should be noted that the content contained in the computer-readable medium can be appropriately added or deleted in accordance with the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, the computer-readable medium Does not include electrical carrier signals and telecommunication signals.

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Abstract

一种基于区块链的转账方法、系统、计算设备及存储介质，其中所述基于区块链的转账方法包括：接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息（202）；根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中（204）；在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程（206）。通过这种处理方式首先保证了智能合约的不可篡改，其次在业务处理过程中，若满足智能合约的自动执行条件，则可自动执行转账任务，实现了对用户的快速转账，极大地缩短了业务处理时长，提高了工作效率。

Description

基于区块链的转账方法、系统、计算设备及存储介质 技术领域
本说明书涉及区块链技术领域，特别涉及一种基于区块链的转账方法、系统、计算设备及存储介质。
背景技术
随着经济的发展，大众的生活质量及消费水平不断提高，越来越多的东西已经成为我们生活中很重要的甚至是必不可少的组成部分。
保险作为一种保证机制已经融入到了人们的生活当中。保险的种类日趋繁多，保险的赔偿条款也是各不相同，现有技术中，用户在投保后，如果在投保期限内发生了事故，可以通过保险进行赔偿。目前，相互保险属于后付费模式，案件出险之后通过固定时间循环批量代扣的方式汇集资金，汇集完成后资金还需要在相关机构的账户间进行流转，一段时间之后才能到出险人账户中，这个过程持续的周期较长，无法给用户带来很好的用户体验。
发明内容
有鉴于此，本说明书实施例提供了一种基于区块链的转账方法、系统、计算设备及存储介质，以解决现有技术中存在的技术缺陷。
根据本说明书实施例的一方面，提供了一种基于区块链的转账方法，包括：
接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息；
根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中；
在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
可选地，根据所述业务请求创建与所述业务请求对应的智能合约包括：
获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息；
从所述业务请求中提取业务信息以及资金转出账户信息；
检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性；
在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
可选地，将所述智能合约写入区块链网络中包括：
将用私钥签名的智能合约传入区块链网络中；
对传入区块链网络中的智能合约进行有效性验证；
当智能合约的有效性验证成功后，将智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，将所述智能合约写入区块链网络中之后，还包括：
监控智能合约是否达到自动执行条件。
可选地，监控智能合约是否达到自动执行条件包括：
监控所述智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则表明所述智能合约达到自动执行条件。
可选地，接收业务处理请求之后，还包括：
从所述业务处理请求中提取用户的身份标识及业务信息；
根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件；
在所述用户满足预设业务处理条件的情况下，进行资金汇集。
可选地，进行资金汇集之前，还包括：
根据所述业务信息确定业务处理金额；
获取项目成员总人数，根据所述项目成员总人数及业务处理金额确定每个项目成员账户应被扣除的金额；
判断所述每个项目成员账户应被扣除的金额是否大于预设阈值；
若所述每个项目成员的账户应被扣除的金额大于预设阈值，则将所述预设阈值作为每个项目成员的账户应被扣除的金额值；
若所述每个项目成员的账户应被扣除的金额小于预设阈值，则将所述金额值作为每个项目成员的账户应被扣除的金额值。
可选地，在所述用户不满足预设业务处理条件的情况下，显示业务处理失败的提示信息。
根据本说明书实施例的另一方面，提供了一种基于区块链的转账系统，包括：
接收模块，被配置为接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息；
创建模块，被配置为根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中；
执行模块，被配置为在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
可选地，所述创建模块包括：
获取子模块，被配置为获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息；
提取子模块，被配置为从所述业务请求中提取业务信息以及资金转出账户信息；
检验子模块，被配置为检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性；
创建子模块，被配置为在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
可选地，所述创建模块还包括：
传输子模块，被配置为将用私钥签名的智能合约传入区块链网络中；
处理子模块，被配置为对传入区块链网络中的智能合约进行有效性验证；
扩散子模块，被配置为当智能合约的有效性验证成功后，将智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，一种基于区块链的转账系统，还包括：
监控模块，被配置为监控智能合约是否达到自动执行条件。
可选地，所述监控模块具体用于：
监控所述智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是， 则表明所述智能合约达到自动执行条件。
可选地，一种基于区块链的转账系统，还包括：
提取模块，被配置为从所述业务处理请求中提取用户的身份标识及业务信息；
判断模块，被配置为根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件；
汇集模块，被配置为在所述用户满足预设业务处理条件的情况下，进行资金汇集。
可选地，所述汇集模块具体用于：
根据所述业务信息确定业务处理金额；
获取项目成员总人数，根据所述项目成员总人数及业务处理金额确定每个项目成员账户应被扣除的金额；
判断所述每个项目成员账户应被扣除的金额是否大于预设阈值；
若所述每个项目成员的账户应被扣除的金额大于预设阈值，则将所述预设阈值作为每个项目成员的账户应被扣除的金额值；
若所述每个项目成员的账户应被扣除的金额小于预设阈值，则将所述金额值作为每个项目成员的账户应被扣除的金额值。
根据本说明书实施例的另一方面，提供了一种计算设备，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指令，所述处理器执行所述指令时实现所述基于区块链的转账方法的步骤。
根据本说明书实施例的另一方面，提供了一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现所述基于区块链的转账方法的步骤。
本说明书实施例中，通过一种基于区块链的转账方法、系统计算设备及存储介质，首先获取用户的业务信息、收款账户信息及资金转出账户信息，根据资金在资金转出账户及用户的收款账户间的流转顺序创建自能合约，并将智能合约上传到区块链中，使得区块链节点对所述智能合约达成共识，保证了智能合约的不可篡改，业务处理过程中，若满足智能合约的自动执行条件，则可根据合约中声明的资金流转顺序自动执行转账任务，实现了对用户的快速转账，而且转账过程及转账结果均公开透明，增加了公信力，也能够给用户带来更好的体验。
附图说明
图1是本申请实施例提供的计算设备的结构框图；
图2是本申请实施例提供的一种基于区块链的转账方法的流程图；
图3是本申请实施例提供的一种基于区块链的转账方法中智能合约创建方法流程图；
图4是本申请实施例提供的一种基于区块链的转账方法中将智能合约写入区块链的方法流程图；
图5是本申请实施例提供的一种基于区块链的转账方法中资金汇集方法流程图；
图6是本申请实施例提供的一种基于区块链的转账方法流程图；
图7是本申请实施例提供的一种基于区块链的转账系统的结构示意图。
具体实施方式
在下面的描述中阐述了很多具体细节以便于充分理解本申请。但是本申请能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本申请内涵的情况下做类似推广，因此本申请不受下面公开的具体实施的限制。
在本说明书一个或多个实施例中使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书一个或多个实施例。在本说明书一个或多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本说明书一个或多个实施例中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书一个或多个实施例中可能采用术语第一、第二等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书一个或多个实施例范围的情况下，第一也可以被称为第二，类似地，第二也可以被称为第一。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
在本申请中，提供了一种基于区块链的转账方法、系统、计算设备及存储介质，在下面的实施例中逐一进行详细说明。
图1示出了根据本说明书一实施例的计算设备100的结构框图。该计算设备100的 部件包括但不限于存储器110和处理器120。处理器120与存储器110通过总线130相连接，数据库150用于保存数据。
计算设备100还包括接入设备140，接入设备140使得计算设备100能够经由一个或多个网络160通信。这些网络的示例包括公用交换电话网(PSTN)、局域网(LAN)、广域网(WAN)、个域网(PAN)或诸如因特网的通信网络的组合。接入设备140可以包括有线或无线的任何类型的网络接口(例如，网络接口卡(NIC))中的一个或多个，诸如IEEE802.11无线局域网(WLAN)无线接口、全球微波互联接入(Wi-MAX)接口、以太网接口、通用串行总线(USB)接口、蜂窝网络接口、蓝牙接口、近场通信(NFC)接口，等等。
在本说明书的一个实施例中，计算设备100的上述部件以及图1中未示出的其他部件也可以彼此相连接，例如通过总线。应当理解，图1所示的计算设备结构框图仅仅是出于示例的目的，而不是对本说明书范围的限制。本领域技术人员可以根据需要，增添或替换其他部件。
计算设备100可以是任何类型的静止或移动计算设备，包括移动计算机或移动计算设备(例如，平板计算机、个人数字助理、膝上型计算机、笔记本计算机、上网本等)、移动电话(例如，智能手机)、可佩戴的计算设备(例如，智能手表、智能眼镜等)或其他类型的移动设备，或者诸如台式计算机或PC的静止计算设备。计算设备100还可以是移动式或静止式的服务器。
其中，处理器120可以执行图2所示的一种基于区块链的转账方法中的步骤。图2示出了根据本说明书一实施例的一种基于区块链的转账方法的流程图，包括步骤202至步骤206。
步骤202：接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息。
本说明书一实施例中，以保险项目为例，所述用户为出险并需要理赔的项目成员，用户的身份标识包括该用户的姓名、年龄、性别以及住址等基本信息，用户的业务信息包括保单编号、保险类别、保险名称、保险金额、保险期限等信息。
步骤204：根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中。
本说明书一实施例中，步骤204中根据所述业务请求创建与所述业务请求对应的智 能合约的过程可以通过图3所示的步骤来实现，包括步骤302至步骤308。
步骤302：获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息。
本说明书一实施例中，仍以保险项目为例，收款账户即为待理赔用户的账户，用户的身份标识包括该用户的姓名、年龄、性别以及住址等基本信息，还包括用户的账户信息，业务服务端可直接从用户的身份标识中获取收款账户信息。
步骤304：从所述业务请求中提取业务信息以及资金转出账户信息。
本说明书一实施例中，资金转出账户包括保险公司账户、银行账户以及金融服务平台账户。
步骤306：检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性。
本说明书一实施例中，生成智能合约之前，还需对用户信息及资金转出账户信息进行前置性校验，包括检验各个账户信息的合法性及准确性，若各个账户的合法性及准确性均验证成功，则可创建智能合约，若存在至少一个账户的合法性或准确性验证失败，则显示业务处理失败的提示信息。
步骤308：在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
本说明书一实施例中，智能合约是一套以数字形式定义的承诺(promises)，包括合约参与方可以在上面执行这些承诺的协议。换成更加通俗的描述就是智能合约是一个在计算机系统上，当一定条件被满足的情况下，可以被自动执行的合约。
在用户的账户信息及资金转出账户信息的合法性及准确性均验证成功后，创建智能合约，智能合约中设置有资金在资金转出账户及收款账户间的流转顺序、智能合约的自动执行条件以及与所述智能合约对应的用户的身份标识，在后付费保险项目中，智能合约中资金的流转顺序依次为金融服务平台、银行、保险公司以及用户的收款账户。
本说明书一实施例中，生成智能合约之前，先对资金转出账户及收款账户的账户信息进行前置性校验，可以有效降低打款过程中的出错率，保证了打款过程的高效性、准确性及安全性。
步骤206：在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
本说明书一实施例中，在区块链网络中，监控节点会定时遍历每个智能合约的自动执行状态、事务以及触发条件，以判断监控智能合约是否达到自动执行条件。若合约达到自动执行条件，则从区块链中读取智能合约对应的业务信息，在区块链网络中进行一致性验证，也就是进行智能合约的再一次共识，证明智能合约中的信息没有被篡改过。
以航空险为例，乘客在购买A航班的机票后，向业务服务端发送智能合约创建请求，所述智能合约创建请求中携带有乘客的身份标识、航空公司的账户信息以及乘客的购票信息，业务服务端接收智能合约创建请求，根据所述智能合约创建请求创建与所述智能合约创建请求对应的智能合约，并将所述智能合约写入区块链网络中，具体的智能合约创建过程如下：
业务服务端从智能合约创建请求中提取该乘客的身份标识、购票信息以及航空公司账户信息，根据所述身份标识确定该乘客的账户信息，然后对乘客及航空公司账户的合法性及准确性进行检验，在所述乘客及航空公司的账户信息检验通过的情况下，根据资金在航空公司账户以及乘客的账户间的流转顺序创建所述智能合约，具体地，智能合约中的内容包括：乘客已购买A航班，若A航班发生延误，则航空公司需向乘客进行赔偿，赔偿额为M元，除此之外，合约内容还包括乘客及航空公司的账户信息以及乘客的身份标识及购票信息，智能合约创建完成后上传到区块链，区块链节点对智能合约进行共识并存储，然后智能合约定期检测是否达到自动执行条件，即检测A航班是否晚点，若检测到A航班晚点，则根据合约内容自动从航空公司账户向用户的收款账户转入M元。
本说明书一实施例中，智能合约还可以用于敦促各缔约方遵守条约义务，以自动还款为例，若用户以贷款的方式购买住房，则需定期向贷款机构还款，为确保用户能够按时还款，贷款机构可向业务服务端发送智能合约创建请求，所述智能合约创建请求中携带有用户的身份标识、贷款机构的账户信息以及用户的购房信息，业务服务端接收智能合约创建请求，根据所述智能合约创建请求创建与所述智能合约创建请求对应的智能合约，并将所述智能合约写入区块链网络中，具体的智能合约创建过程如下：
业务服务端从智能合约创建请求中提取该用户的身份标识、购房信息以及贷款机构的账户信息，根据所述身份标识确定该用户的账户信息，然后对用户及贷款机构账户的合法性及准确性进行检验，在所述用户及贷款机构的账户信息检验通过的情况下，根据资金在贷款机构账户以及用户的账户间的流转顺序创建所述智能合约，具体地，智能合约中的内容包括：用户通过贷款的方式购买住房，贷款费用为N元，每月25日定期向 贷款机构还款N元，还款年限为3年，除此之外，合约内容还包括用户及贷款机构的账户信息以及用户的身份标识及购房信息，智能合约创建完成后上传到区块链，区块链节点对智能合约进行共识并存储，然后智能合约定期检测是否达到自动执行条件，即检测用户是否在25日之前向贷款机构还款N元，若检测到用户在25日前未还款，则根据合约内容自动从用户账户向贷款机构的账户转入N元。
本说明书一实施例中，创建智能合约并将智能合约上传到区块链中，使得区块链节点对所述智能合约达成共识，保证了智能合约的不可篡改，业务处理过程中，若满足智能合约的自动执行条件，则可根据合约中声明的资金流转顺序自动执行转账任务，实现了对用户的快速转账，极大地缩短了业务处理时长，而且转账过程及转账结果均公开透明，增加了公信力，也能够带来更好的用户体验。
本说明书一实施例中，步骤204中将所述智能合约写入区块链网络中的过程可以通过图4的步骤实现，包括步骤402至步骤406。
步骤402：将用私钥签名的智能合约传入区块链网络中。
本说明书一实施例中，当接收到业务处理请求时，首先根据业务处理请求中的信息创建智能合约，并将所述智能合约传入区块链中。
本说明书一实施例中，可以通过对等网络或共识算法的方式将智能合约扩散到区块链节点，对等网络是指对等计算机网络，是一种在对等者之间分配任务和工作负载的分布式应用架构，是对等计算模型在应用层形成的一种组网或网络形式，其特点包括非中心化、可扩展性和高性价比等。
步骤404：对传入区块链网络中的智能合约进行有效性验证。
本说明书一实施例中，智能合约通过网络扩散并存入区块链的每个节点上，每个区块链节点对存入的智能合约进行有效性验证，有效性验证成功即达成共识，共识是区块链采用的一种在参与者之间无需相互认知并且无需建立信任关系的基础上，由区块链节点完成对智能合约的鉴定和验证过程，只有共识通过的智能合约才会被写入区块并存储到区块链中。
步骤406：当智能合约的有效性验证成功后，将智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，区块链中的区块链节点包括接入所述区块链的相关业务机构的设备节点、互联网平台的服务设备以及监管机构的设备。
本说明书一实施例中，共识是实现不同节点之间建立信任、获取权益的过程，通过对智能合约的共识及验证，保证了智能合约的真实性，共识及验证通过后，将智能合约存储于区块链节点，保证了智能合约的不可篡改。
本说明书的一个实施例中，在图2所示基于区块链的转账方法还包括在执行步骤202前先进行转账资金汇集的过程，具体地，参见图5，包括步骤502至步骤508。
步骤502：接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息。
步骤504：从所述业务处理请求中提取用户的身份标识及业务信息。
步骤506：根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件。
本说明书一实施例中，仍以保险项目为例，当用户出险并需要理赔时，向业务服务端发送理赔请求，理赔请求中携带有该用户的身份标识以及理赔信息，身份标识包括该用户的姓名、年龄、性别以及住址等基本信息，理赔信息中包含保单编号、保险类别、保险名称、保险金额、保险期限等信息，业务服务端会根据理赔请求中携带的信息判断该用户是否满足预设的理赔条件。
步骤508：在所述用户满足预设业务处理条件的情况下，进行资金汇集。
本说明书一实施例中，以后付费互助保险项目为例，后付费互助保险的机制为当加入后付费互助项目的项目成员出险后，由加入该项目的其他项目成员共同承担保费，目前每个项目成员的保费M为30万，假设项目成员总数为N,每个项目成员的预设分摊均额为Q，若有X个成员出险，则其他项目成员中每个成员需承担的费用P为X*M/N的值，计算出P的值后还需判断P是否大于预设分摊均额Q，若P小于Q，则每个项目成员需承担的费用即为P,若P大于Q，则每个项目成员需承担的费用即为Q，根据计算所得的每个项目成员需承担的费用值，从所述项目成员的账户中扣除相应的费用，并将所扣除的费用汇集到一个资金转出账户。
图6示出了本说明书一个实施例的一种基于区块链的转账方法流程图，包括步骤602至步骤608。图中A为资金汇集过程，B为区块链上基于智能合约的打款过程。
步骤602：定时发起扣款请求。
本说明书一实施例中，以后付费互助保险项目为例，若有项目成员出险并发起 理赔请求后，首先对该项目成员的理赔请求中携带的身份标识和医疗信息进行验证，若验证结果为该项目成员满足预设理赔条件，则由金融服务平台定时向其他项目成员发起扣款请求进行扣款。
步骤604：根据扣款金额从项目成员的账户进行批量扣款。
本说明书一实施例中，定时向其他项目成员发起扣款请求进行扣款之前需先计算每个项目成员账户的扣款金额，详细计算步骤如图5中的步骤508所述，在此不再赘述，扣款金额计算完成后，由金融服务平台从项目成员的账户进行批量扣款。
步骤606：将批量代扣的资金进行汇集。
本说明书一实施例中，资金汇集即将批量代扣的资金汇集到金融服务平台，并基于汇集到的资金完成对出现项目成员的理赔。
步骤608：执行智能合约。
本说明书一实施例中，接入所述区块链的节点包括：银行的设备节点、保险公司的设备节点、金融服务平台的设备节点以及监管机构的设备节点。
本说明书一实施例中，在接收到理赔请求之后，根据理赔请求中的信息创建智能合约，并将所述智能合约写入区块链节点，在资金汇集完成后，第一业务服务端中存储的智能合约定时监控自动机状态，在检测到满足所述智能合约的自动执行条件的情况下，自动执行智能合约，根据B中区块链各节点的智能合约中声明的资金依次在金融服务平台、银行、保险公司及出险项目成员的收款账户间的流转顺序完成对出险项目成员的转账任务。
本说明书一实施例中，接收理赔请求后，智能合约的创建过程与资金的汇集过程可以同步进行，智能合约创建完成后上传到区块链中，使得区块链节点对所述智能合约达成共识，保证了智能合约的不可篡改，并且在满足智能合约的自动执行条件时，可根据合约中声明的资金流转顺序自动执行转账任务，实现了对用户的快速转账，极大地缩短了理赔打款时长，并且转账过程及转账结果均公开透明，增加了公信力，也能够带来更好的用户体验。
与上述方法实施例相对应，本说明书还提供了一种基于区块链的转账系统，图7示出了本说明书一个实施例的一种基于区块链的转账系统的结构示意图。如图7所示，包括：接收模块702、创建模块704以及执行模块706。
接收模块702，被配置为接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息；
创建模块704，被配置为根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中；
执行模块706，被配置为在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
本说明书一实施例中，所述执行模块，还被配置为定时遍历每个智能合约的自动执行状态、事务以及触发条件，以判断监控智能合约是否达到自动执行条件。
本说明书一实施例中，创建模块包括：
获取子模块，被配置为获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息；
提取子模块，被配置为从所述业务请求中提取业务信息以及资金转出账户信息；
检验子模块，被配置为检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性；
创建子模块，被配置为在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
本说明书一实施例中，检验子模块还被配置为对用户信息及资金转出账户信息进行前置性校验，包括检验各个账户信息的合法性及准确性，若各个账户的合法性及准确性均验证成功，则可创建智能合约，若存在至少一个账户的合法性或准确性验证失败，则显示业务处理失败的提示信息。
本说明书一实施例中，所述创建模块还包括：
传输子模块，被配置为将用私钥签名的智能合约传入区块链网络中；
处理子模块，被配置为对传入区块链网络中的智能合约进行有效性验证；
扩散子模块，被配置为当智能合约的有效性验证成功后，将智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，传输子模块还被配置为通过对等网络或共识算法的方式 将智能合约扩散到区块链节点，当共识时间到时，区块链中的节点将保存在内存中的所有智能合约组成智能合约集合，并计算该集合的哈希值，并通过该哈希值和智能合约集合组成区块；
处理子模块还被配置为，获取区块中智能合约集合对应的哈希值，并将该哈希值与保存的智能合约集合的哈希值进行比较，区块链节点在预设时间内对智能合约集合达成一致时，共识通过，得到共识通过的智能合约集合。
本说明书一实施例中，基于区块链的转账系统，还包括：监控模块，被配置为监控智能合约是否达到自动执行条件。
其中，所述监控模块具体用于：
监控所述智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则表明所述智能合约达到自动执行条件。
本说明书一实施例中，基于区块链的转账系统，还包括：
提取模块，被配置为从所述业务处理请求中提取用户的身份标识及业务信息；
判断模块，被配置为根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件；
汇集模块，被配置为在所述用户满足预设业务处理条件的情况下，进行资金汇集。
其中，所述汇集模块具体用于：
根据所述业务信息确定业务处理金额；
获取项目成员总人数，根据所述项目成员总人数及业务处理金额确定每个项目成员账户应被扣除的金额；
判断所述每个项目成员账户应被扣除的金额是否大于预设阈值；
若所述每个项目成员的账户应被扣除的金额大于预设阈值，则将所述预设阈值作为每个项目成员的账户应被扣除的金额值；
若所述每个项目成员的账户应被扣除的金额小于预设阈值，则将所述金额值作为每个项目成员的账户应被扣除的金额值。
本说明书一实施例中，在所述用户不满足预设业务处理条件的情况下，显示业 务处理失败的提示信息。
本说明书一实施例中，区块链是一种按照时间顺序将数据区块以顺序相连的方式组合成的一种链式数据结构，并以密码学方式保证的不可篡改和不可伪造的分布式账本。智能合约是运行在区块链上的合约代码，已经成为区块链应用不可或缺的部分。智能合约就是通过协议与用户界面来促进合约的执行，它是在互联网中形成安全的、数字化关系的关键。智能合约需具有一致性、可观察性、可验证性、自强制性与接入控制等特点。本发明将智能合约以数字化的形式写入区块链中，保障了整个转账过程透明可跟踪，同时也保障了智能合约及转账信息的不可篡改。智能合约定期检查自动机状态，若检测到满足智能合约自动执行条件，则自动执行智能合约，使得智能合约能够高效地运行，实现了快速打款，因此也能够提供更好的用户体验。
本说明书一实施例中还提供一种计算设备，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指令，所述处理器执行所述指令时实现所述的一种基于区块链的转账方法的步骤。
本申请一实施例还提供一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现如前所述的一种基于区块链的转账方法的步骤。
上述为本实施例的一种计算机可读存储介质的示意性方案。需要说明的是，该存储介质的技术方案与上述的一种基于区块链的转账方法的技术方案属于同一构思，存储介质的技术方案未详细描述的细节内容，均可以参见上述基于区块链的转账方法的技术方案的描述。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
所述计算机指令包括计算机程序代码，所述计算机程序代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机程序代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是， 所述计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括电载波信号和电信信号。
需要说明的是，对于前述的各方法实施例，为了简便描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本申请并不受所描述的动作顺序的限制，因为依据本申请，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定都是本申请所必须的。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见其它实施例的相关描述。
以上公开的本申请优选实施例只是用于帮助阐述本申请。可选实施例并没有详尽叙述所有的细节，也不限制该发明仅为所述的具体实施方式。显然，根据本说明书的内容，可作很多的修改和变化。本说明书选取并具体描述这些实施例，是为了更好地解释本申请的原理和实际应用，从而使所属技术领域技术人员能很好地理解和利用本申请。本申请仅受权利要求书及其全部范围和等效物的限制。

Claims (17)

  1. 一种基于区块链的转账方法，其特征在于，包括：
    接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息；
    根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中；
    在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
  2. 如权利要求1所述的方法，其特征在于，所述根据所述业务请求创建与所述业务请求对应的智能合约包括：
    获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息；
    从所述业务请求中提取业务信息以及资金转出账户信息；
    检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性；
    在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
  3. 如权利要求1所述的方法，其特征在于，所述将所述智能合约写入区块链网络中包括：
    将用私钥签名的智能合约传入区块链网络中；
    对传入区块链网络中的智能合约进行有效性验证；
    当智能合约的有效性验证成功后，将智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
  4. 如权利要求1所述的方法，其特征在于，所述将所述智能合约写入区块链网络中之后，还包括：
    监控智能合约是否达到自动执行条件。
  5. 如权利要求4所述的方法，其特征在于，所述监控智能合约是否达到自动执行条件包括：
    监控所述智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则表明所述智能合约达到自动执行条件。
  6. 如权利要求1所述的方法，其特征在于，所述接收业务处理请求之后，还包括：
    从所述业务处理请求中提取用户的身份标识及业务信息；
    根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件；
    在所述用户满足预设业务处理条件的情况下，进行资金汇集。
  7. 如权利要求6所述的方法，其特征在于，所述进行资金汇集之前，还包括：
    根据所述业务信息确定业务处理金额；
    获取项目成员总人数，根据所述项目成员总人数及业务处理金额确定每个项目成员账户应被扣除的金额；
    判断所述每个项目成员账户应被扣除的金额是否大于预设阈值；
    若所述每个项目成员的账户应被扣除的金额大于预设阈值，则将所述
    预设阈值作为每个项目成员的账户应被扣除的金额值；
    若所述每个项目成员的账户应被扣除的金额小于预设阈值，则将所述
    金额值作为每个项目成员的账户应被扣除的金额值。
  8. 如权利要求6所述的方法，其特征在于，还包括：
    在所述用户不满足预设业务处理条件的情况下，显示业务处理失败的提示信息。
  9. 一种基于区块链的转账系统，其特征在于，包括：
    接收模块，被配置为接收业务处理请求，所述业务处理请求中携带有用户的身份标识及业务信息；
    创建模块，被配置为根据所述业务请求创建与所述业务请求对应的智能合约并将所述智能合约写入区块链网络中；
    执行模块，被配置为在满足所述智能合约的自动执行条件的情况下，自动执行转账任务，完成对所述用户的转账过程。
  10. 如权利要求9所述的系统，其特征在于，所述创建模块包括：
    获取子模块，被配置为获取所述用户的身份标识，根据所述身份标识确定对应的收款账户信息；
    提取子模块，被配置为从所述业务请求中提取业务信息以及资金转出账户信息；
    检验子模块，被配置为检验所述资金转出账户信息以及所述用户的收款账户信息合法性及准确性；
    创建子模块，被配置为在所述资金转出账户信息以及所述用户的收款账户信息验证成功的情况下，根据资金在资金转出账户以及所述用户的收款账户间的流转顺序创建所述智能合约。
  11. 如权利要求9所述的系统，其特征在于，所述创建模块还包括：
    传输子模块，被配置为将用私钥签名的智能合约传入区块链网络中；
    处理子模块，被配置为对传入区块链网络中的智能合约进行有效性验证；
    扩散子模块，被配置为当智能合约的有效性验证成功后，将智能合约集成为一个哈 希区块ID，并将所述哈希区块ID扩散到全网。
  12. 如权利要求9所述的系统，其特征在于，还包括：
    监控模块，被配置为监控智能合约是否达到自动执行条件。
  13. 如权利要求12所述的系统，其特征在于，所述监控模块具体用于：
    监控所述智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则表明所述智能合约达到自动执行条件。
  14. 如权利要求9所述的系统，其特征在于，还包括：
    提取模块，被配置为从所述业务处理请求中提取用户的身份标识及业务信息；
    判断模块，被配置为根据所述用户的身份标识及业务信息判断所述用户是否满足预设的业务处理条件；
    汇集模块，被配置为在所述用户满足预设业务处理条件的情况下，进行资金汇集。
  15. 如权利要求14所述的系统，其特征在于，所述汇集模块具体用于：
    根据所述业务信息确定业务处理金额；
    获取项目成员总人数，根据所述项目成员总人数及业务处理金额确定每个项目成员账户应被扣除的金额；
    判断所述每个项目成员账户应被扣除的金额是否大于预设阈值；
    若所述每个项目成员的账户应被扣除的金额大于预设阈值，则将所述预设阈值作为每个项目成员的账户应被扣除的金额值；
    若所述每个项目成员的账户应被扣除的金额小于预设阈值，则将所述金额值作为每个项目成员的账户应被扣除的金额值。
  16. 一种计算设备，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指令，其特征在于，所述处理器执行所述指令时实现权利要求1-8任意一项所述方法的步骤。
  17. 一种计算机可读存储介质，其存储有计算机指令，其特征在于，该指令被处理器执行时实现权利要求1-8任意一项所述方法的步骤。
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