CN107423981B - Mobile terminal browser payment method based on block chain technology - Google Patents
Mobile terminal browser payment method based on block chain technology Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The mobile terminal browser payment method based on the block chain technology comprises the following steps: s1, the user submits an order; s2, submitting; s3, block chain processing step: s4, monitoring and paying steps: s5, payment result processing step: s6, clearing: and S7, ending the payment. The invention introduces a priori knowledge system in the field of the block chain, is used between the block chain and the payment channel, is beneficial to implementing accurate, timely and more-dimensional supervision, and can solve the problem that an online commercial service platform and an offline payment service provider are suspected to be clear two.
Description
Technical Field
The invention relates to the technical field of payment transaction, in particular to a mobile terminal browser payment method based on a block chain technology.
Background
Currently, with the large-scale growth of internet and mobile phone users, internet payments and mobile phone payments are rapidly developing. Meanwhile, the supervision department finds that a large merchant mode and a second clear mode are used by a plurality of platforms in the actual business process. The 'big merchant' mode refers to the condition that a plurality of merchants commonly use one merchant code, and the authenticity principle of the merchants is violated; the 'second clear' mode refers to that a payment company or a bank transfers settlement money to a certain company or a certain person, and the settlement is carried out on the settlement money to a merchant by the certain company or the certain person, so that the principle of directness of settlement is violated. The situation that funds are retained in the platform account can happen, and once the platform runs or the funds are stolen, a series of problems with extremely bad influence can be caused when the account funds reach a certain scale. Meanwhile, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be behaviors of counterfeiting and changing transactions to collect the funds of merchants and users.
The block chain has the characteristics of decentralization, openness, autonomy and information non-falsification, can be used for constructing a supervision tool box which is required by a supervision department and comprises a plurality of means, is beneficial to implementing accurate, timely and more-dimensional supervision, solves the problem that online commercial service platforms and offline payment service providers are suspected to be clear, and makes mobile terminal browser payment more frequently used, so that the mobile terminal browser payment method based on the block chain technology is produced.
At present, in the payment method based on the blockchain technology, an independent foreknowledge system is not used for monitoring the transaction or payment request on the blockchain, or the independent foreknowledge system is connected with a payment channel and is used for verifying and transmitting payment data, so that the mobile terminal browser payment method based on the blockchain technology is firstly proposed in the payment field.
Disclosure of Invention
The invention aims to provide a mobile terminal browser payment method based on a block chain technology, which can effectively avoid the risk defect in the conventional order system. By utilizing the characteristic of the block chain distributed account book, a monitoring mechanism can monitor all transactions in the system in real time, and the problems of secondary clearing and the like are avoided.
In order to achieve the purpose, the invention adopts the following technical scheme:
a mobile terminal browser payment method based on a block chain technology comprises the following steps:
s1, user order submission: a user selects a commodity to be purchased from a mobile terminal browser mall of a merchant, clicks a payment button, and the mobile terminal browser sends order information to an order system of the merchant to generate a payment request;
s2, submitting: the merchant order system generates a mobile terminal browser payment request page and returns the page to the user mobile terminal browser; the user mobile terminal browser jumps to a payment request page and submits the payment request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps:
s4.1, the first-known system monitors the payment request on the matched block chain link point and verifies the transaction;
s4.2, if the verification is successful, the system is known to generate a payment response containing a payment skip page of the mobile terminal browser of the payment channel, the payment response is returned to the matched block chain link point, the payment response is returned to the mobile terminal browser of the user through the block chain, the step S4.3 is carried out, and if the verification is failed, the step S7 is carried out;
s4.3, the mobile terminal browser jumps to a payment page of a payment channel according to the returned payment response information, and a user inputs a password to pay;
s4.4, the payment channel skips to a payment result page according to a mobile terminal browser of the guiding user; the payment channel sends the payment result to a precedent system;
s4.5, the precedent system verifies the payment result, and if the verification is successful, the payment result is written into the matched block chain link point; if the authentication fails, the flow proceeds to step S7.
S5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request, and proceeding to step S7;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, in step S4.2 of the monitoring and payment step (S4), the returning of the payment response to the user mobile terminal browser through the blockchain specifically includes:
s4.2.1, receiving the payment response by the block chain node matched with the prior system, verifying the payment response, sending the verification to other nodes of the block chain after the verification is successful, storing the payment response into the transaction pool of the node, and entering step S4.2.2; if the verification fails, the payment response is directly discarded to step S7;
s4.2.2, after receiving the broadcasted payment response, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment response is received for the first time, the payment response is broadcasted, and meanwhile, the payment response is stored in the transaction pool of the nodes; otherwise, the node itself directly discards the payment response;
s4.2.3, after the preset time, the payment response is blocked by a consensus algorithm and recorded on the block chain;
s4.2.4, the node that received the payment request the earliest returns a payment reply on the blockchain to the user's mobile terminal browser.
Further, in step S4.5, after the mobile terminal browser is called for payment, the user password needs to be input before payment is performed.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, stores the payment result into a transaction pool of the node, and enters the step S5.2; if the verification fails, directly discarding the payment result, and entering step S7;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, the node directly discards the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm; and S5.4, after the notification system monitors the payment result on the block chain of the node matched with the notification system, notifying the payment result to an order system of a merchant.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, in step S6, the packing the settlement result onto the block chain by the prior knowledge system specifically includes: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
Further, in step S5.4, after the notification system monitors the payment result on the block link point matched with the notification system, the method further includes verifying the payment result, and notifying the order system of the merchant of the payment result after the verification is successful.
Further, the payment data which fails to be verified is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
In addition, in the invention, after other nodes of the block chain receive the broadcast, the node discards the payment data, which means that only the node with the verification failure discards the payment data, but not all the nodes discard the payment data, and the payment data also exists in a certain node or certain nodes of the block chain.
Drawings
FIG. 1 is an interaction diagram of a payment method constructed by the present invention
FIG. 2 is a flow chart of embodiment 3 of the payment method constructed by the present invention
FIG. 3 is a flow chart of embodiment 2 of the payment method constructed by the present invention
Detailed Description
The payment method of the mobile terminal browser based on the blockchain technology according to the present invention is further explained and explained with reference to the drawings and the specific embodiments of the specification.
Example 1
The mobile terminal browser payment specific transaction flow is as follows:
the user submits an order: a user selects goods to be purchased from a mobile phone webpage mall of a merchant, clicks a payment button, and the mobile phone webpage sends order information to an order system of the merchant to generate a payment request;
the merchant system returns a mobile phone webpage payment request page: the merchant order system generates a mobile phone webpage payment request page and returns the page to the mobile phone webpage of the user;
the user submits a payment request: the user mobile phone webpage jumps to a payment request page and submits the payment request to any node on the blockchain payment system;
the block chain broadcasts payment requests and blocks: the node receives a payment request of a mobile phone webpage, verifies the request, sends the request to other nodes of the block chain after the request is successfully verified, and simultaneously stores the payment request into a transaction pool of the node; if the verification fails, the payment request is discarded directly. After receiving the broadcasted payment request, other nodes respectively carry out verification, if the verification is successful and the payment request is received for the first time, broadcast the payment request and store the payment request into a transaction pool of the nodes; otherwise, the payment request is discarded directly. After a certain time, the payment request is packaged onto the blockchain according to consensus rules.
The first known system listens for a payment request: the first-known system monitors the payment request on the block chain of the matched node and verifies the transaction;
the first-known system returns a mobile phone payment page: after the verification is successful, the known system generates a response containing the webpage payment skip page of the payment channel mobile phone, and returns the response to the matched node;
block chains broadcast payment responses and block: the node receives the response of the pre-known system, verifies the response, sends the response to other nodes of the block chain after the response is verified successfully, and simultaneously stores the payment response into a transaction pool of the node; if the verification fails, the payment reply is discarded directly. After receiving the broadcasted payment response, other nodes respectively carry out verification, if the verification is successful and the payment response is received for the first time, broadcast the payment response and store the payment response into a transaction pool of the nodes; otherwise, the payment reply is discarded directly. After a certain time, the payment response is packed into a block chain according to a consensus regulation;
the blockchain returns a payment response: the node which receives the request earliest returns the payment response on the block chain to the webpage of the mobile phone of the user;
the user carries out mobile phone webpage payment: the mobile phone webpage skips to a payment page of a payment channel according to the return information, and the user inputs a password to complete payment;
the payment channel returns a webpage payment result: the payment channel is converted to a payment result page according to the guidance of the user;
and returning a payment result by the payment channel: the payment channel sends the successful result of the transaction to the advanced system
The precursor system returns a payment result: firstly, after the verification of the system is successful, writing the payment result into the matched block chain link point;
the block chain broadcasts the payment result and blocks: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, the payment result is directly discarded. After receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded. After a certain time, the payment result is packed to a block chain according to a consensus regulation;
informing the system to answer the payment result: after the notification system monitors the payment result on the block chain of the matched node, the payment result is verified;
the notification system notifies the payment result: the notification system notifies the order system of the merchant of the payment result;
the merchant displays the payment result: after the order system of the merchant receives the payment result, the payment result is displayed to the user;
and (4) settlement of funds of a payment channel: on the settlement day, the payment channel settles the transaction funds to the settlement account of the merchant;
and the payment channel sends a settlement result: and sending the settlement result to a prior knowledge system;
the prior system returns a settlement result: after the first-known system receives the settlement result, the settlement result is sent to the node matched with the settlement result;
and broadcasting settlement results by the block chain and blocking: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the settlement result into a transaction pool of the node; if the verification fails, the settlement result is directly discarded. After receiving the broadcasted settlement results, other nodes respectively carry out verification, if the verification is successful and the settlement results are received for the first time, broadcast the settlement results and store the settlement results into the transaction pools of the nodes; otherwise, directly discarding the settlement result. After a certain time, the settlement result is packed into a block chain according to consensus regulation;
example 2
A mobile terminal browser payment method based on a block chain technology comprises the following steps:
s1, user order submission: a user selects a commodity to be purchased from a mobile terminal browser mall of a merchant, clicks a payment button, and the mobile terminal browser sends order information to an order system of the merchant to generate a payment request;
s2, submitting: the merchant order system generates a mobile terminal browser payment request page and returns the page to the user mobile terminal browser; the user mobile terminal browser jumps to a payment request page and submits the payment request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps:
s4.1, the first-known system monitors the payment request on the matched block chain link point and verifies the transaction;
s4.2, if the verification is successful, the system is known to generate a payment response containing a payment skip page of the mobile terminal browser of the payment channel, the payment response is returned to the matched block chain link point, the payment response is returned to the mobile terminal browser of the user through the block chain, the step S4.3 is carried out, and if the verification is failed, the step S7 is carried out;
s4.3, the mobile terminal browser jumps to a payment page of a payment channel according to the returned payment response information, and a user inputs a password to pay;
s4.4, the payment channel skips to a payment result page according to a mobile terminal browser of the guiding user; the payment channel sends the payment result to a precedent system;
s4.5, the precedent system verifies the payment result, and if the verification is successful, the payment result is written into the matched block chain link point; if the authentication fails, the flow proceeds to step S7.
S5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request, and proceeding to step S7;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, in step S4.2 of the monitoring and payment step (S4), the returning of the payment response to the user mobile terminal browser through the blockchain specifically includes:
s4.2.1, receiving the payment response by the block chain node matched with the prior system, verifying the payment response, sending the verification to other nodes of the block chain after the verification is successful, storing the payment response into the transaction pool of the node, and entering step S4.2.2; if the verification fails, the payment response is directly discarded to step S7;
s4.2.2, after receiving the broadcasted payment response, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment response is received for the first time, the payment response is broadcasted, and meanwhile, the payment response is stored in the transaction pool of the nodes; otherwise, the node itself directly discards the payment response;
s4.2.3, after the preset time, the payment response is blocked by a consensus algorithm and recorded on the block chain;
s4.2.4, the node that received the payment request the earliest returns a payment reply on the blockchain to the user's mobile terminal browser.
Further, in step S4.5, after the mobile terminal browser is called for payment, the user password needs to be input before payment is performed.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, stores the payment result into a transaction pool of the node, and enters the step S5.2; if the verification fails, directly discarding the payment result, and entering step S7;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, the node directly discards the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, after the notification system monitors the payment result on the block chain of the node matched with the notification system, notifying the payment result to an order system of a merchant.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, in step S6, the packing the settlement result onto the block chain by the prior knowledge system specifically includes: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
Further, in step S5.4, after the notification system monitors the payment result on the block link point matched with the notification system, the method further includes verifying the payment result, and notifying the order system of the merchant of the payment result after the verification is successful.
Further, the payment data which fails to be verified is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
Example 3
A mobile terminal browser payment method based on block chain technology only comprises the following steps:
s1, user order submission: a user selects a commodity to be purchased from a mobile terminal browser mall of a merchant, clicks a payment button, and the mobile terminal browser sends order information to an order system of the merchant to generate a payment request;
s2, submitting: the merchant order system generates a mobile terminal browser payment request page and returns the page to the user mobile terminal browser; the user mobile terminal browser jumps to a payment request page and submits the payment request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps:
s4.1, the first-known system monitors the payment request on the matched block chain link point and verifies the transaction;
s4.2, if the verification is successful, the system is known to generate a payment response containing a payment skip page of the mobile terminal browser of the payment channel, the payment response is returned to the matched block chain link point, the payment response is returned to the mobile terminal browser of the user through the block chain, the step S4.3 is carried out, and if the verification is failed, the step S7 is carried out;
s4.3, the mobile terminal browser jumps to a payment page of a payment channel according to the returned payment response information, and a user inputs a password to pay;
s4.4, the payment channel skips to a payment result page according to a mobile terminal browser of the guiding user; the payment channel sends the payment result to a precedent system;
s4.5, the precedent system verifies the payment result, and if the verification is successful, the payment result is written into the matched block chain link point; if the authentication fails, the flow proceeds to step S7.
S5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
In addition, in the invention, after other nodes of the block chain receive the broadcast, the node discards the payment data, which means that only the node with the verification failure discards the payment data, but not all the nodes discard the payment data, and the payment data also exists in a certain node or certain nodes of the block chain.
According to the transaction flow and blockchain features of the present invention, all nodes will have a complete non-tampered book. Therefore, the supervising mechanism can supervise all transactions through the account book of the node, and risk transactions are prevented from occurring.
The present invention is not limited to the above-described embodiments, and variations, modifications, additions and substitutions which can be made by those skilled in the art within the spirit of the invention are also within the scope of the invention.
Claims (9)
1. A mobile terminal browser payment method based on a block chain technology comprises the following steps:
s1, user order submission: a user selects a commodity to be purchased from a mobile terminal browser mall of a merchant, clicks a payment button, and the mobile terminal browser sends order information to an order system of the merchant to generate a payment request;
s2, submitting: the merchant order system generates a mobile terminal browser payment request page and returns the page to the user mobile terminal browser; the user mobile terminal browser jumps to a payment request page and submits the payment request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps:
s4.1, the first-known system monitors the payment request on the matched block chain link point and verifies the payment request;
s4.2, if the verification is successful, the system is known to generate a payment response containing a payment skip page of the mobile terminal browser of the payment channel, the payment response is returned to the matched block chain link point, the payment response is returned to the mobile terminal browser of the user through the block chain, the step S4.3 is carried out, and if the verification is failed, the step S7 is carried out;
s4.3, the mobile terminal browser jumps to a payment page of a payment channel according to the returned payment response information, and a user inputs a password to pay;
s4.4, the payment channel guides the browser of the mobile terminal of the user to jump to a payment result page; the payment channel sends the payment result to a precedent system;
s4.5, the precedent system verifies the payment result, and if the verification is successful, the payment result is written into the matched block chain link point; if the verification fails, go to step S7;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
2. The method according to claim 1, wherein the block chain processing step S3 specifically is:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of a block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the receiving node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request, and proceeding to step S7;
s3.2, after other nodes of the block chain receive the broadcasted payment request, verifying the request respectively, if the verification is successful and the payment request is received for the first time, broadcasting the payment request, and storing the payment request into a transaction pool of the current verification node, otherwise, directly discarding the payment request by the current verification node;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
3. The method according to claim 1, wherein in step S4.2 of the listening and payment step S4, the returning of the payment response to the user mobile terminal browser through the blockchain is specifically:
s4.2.1, receiving the payment response by the block chain node matched with the prior known system, verifying the payment response, sending the verification to other nodes of the block chain after the verification is successful, storing the payment response into the transaction pool of the block chain node matched with the prior known system, and entering step S4.2.2; if the verification fails, the payment response is directly discarded to step S7;
s4.2.2, after receiving the broadcasted payment response, other nodes of the block chain carry out verification respectively, if the verification is successful and the payment response is received for the first time, the payment response is broadcasted, and meanwhile, the payment response is stored in the transaction pool of the current verification node; otherwise, the current verification node directly discards the payment response;
s4.2.3, after the preset time, the payment response is blocked by a consensus algorithm and recorded on the block chain;
s4.2.4, the node that received the payment request the earliest returns a payment reply on the blockchain to the user's mobile terminal browser.
4. The method of claim 3, wherein in step S4.5, after calling the mobile terminal browser to pay, the user password is required to be input before payment is performed.
5. The method according to any one of the preceding claims, wherein the payment result processing step S5 is specifically:
s5.1, the block chain nodes matched with the priori knowledge system receive payment results written by the priori knowledge system, verify the payment results, if the verification is successful, send the payment results to other nodes of the block chain, simultaneously store the payment results into a transaction pool of the block chain nodes matched with the priori knowledge system, and enter a step S5.2; if the verification fails, directly discarding the payment result, and entering step S7;
s5.2, after receiving the broadcasted payment result, other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the current verification node; otherwise, the current verification node directly discards the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, after the notification system monitors the payment result on the block chain of the node matched with the notification system, notifying the payment result to an order system of a merchant.
6. The method of claim 5, wherein the payment result processing step S5 further comprises: and S5.5, after the merchant order system receives the payment result, displaying the payment result.
7. The method according to claim 1, wherein in step S6, the packaging of the settlement results onto the blockchain by the priori knowledge system through the matched blockchain nodes is specifically: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
8. The method according to claim 5, wherein in step S5.4, after the notification system monitors the payment result on the block chain node matched with the notification system, the method further comprises verifying the payment result, and notifying the payment result to the order system of the merchant after the verification is successful.
9. The method of claim 1, wherein the payment data that fails validation is processed by an error checking and processing system connected to the blockchain, the payment data including data of payment request, payment response, payment result and settlement result.
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| CN110874735A (en) * | 2018-09-01 | 2020-03-10 | 昆山炫生活信息技术股份有限公司 | Payment device and payment method based on block chain technology |
| CN109785096A (en) * | 2018-12-21 | 2019-05-21 | 中信百信银行股份有限公司 | Based on block chain and event driven two clear question processing methods |
| CN112381542A (en) * | 2020-11-18 | 2021-02-19 | 深圳源中瑞科技有限公司 | Transaction payment method, device, equipment and storage medium based on block chain |
| CN112685776A (en) * | 2020-12-30 | 2021-04-20 | 杭州亿房达科技有限公司 | Privacy data credibility verification method based on block chain and privacy security calculation |
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