CN111798230A - Block chain based staged payment method, device and equipment - Google Patents
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Abstract
The invention relates to a block chain-based installment payment method and device, which are applied to a block chain network and used for acquiring a transaction contract uploaded by a payer or a payee; acquiring a payment amount transferred by a payer according to a transaction contract; supervising whether the payer and the payee violate a transaction contract in the transaction process; and if the payer and the withdrawal party do not default and the transaction height reaches the preset height, transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party. According to the technical scheme, a decentralized payment platform is established based on the blockchain network, periodic payment can be conducted, data safety is guaranteed, the blockchain network is subjected to whole-network supervision, the public and transparent property is achieved, the repudiation cannot be achieved, the falsification cannot be achieved, a credit system is provided, and the data on the chain can provide credit evidence for data accuracy, so that the credit system does not need to be built and maintained with a large amount of time and energy.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based staged payment method, device and equipment.
Background
With the gradual improvement of credit investigation systems, staged payment becomes a more and more popular payment mode at present, including staged withdrawal, staged payment and the like.
In the prior art, the implementation of staged payment is based on a powerful centralized mechanism. The centralized mechanism provides the staged payment service for the user, and needs to build a huge credit system based on the credit condition of the user, so that the centralized mechanism needs to consume a large amount of time and energy to build the credit system, and the centralized mechanism needs to have enough financial resources, material resources and manpower to ensure that the staged payment service can be normally and continuously developed. Moreover, the current centralized mechanism cannot ensure the data security of the user.
Therefore, how to provide a decentralized staged payment method is one of the technical problems that those skilled in the art are keenly to solve.
Disclosure of Invention
In view of the above, the present invention provides a block chain based method, apparatus and device for installment payment, so as to overcome the above technical problems.
In order to achieve the purpose, the invention adopts the following technical scheme:
a block chain based staged payment method is applied to a block chain network, and comprises the following steps:
acquiring a transaction contract uploaded by a payer or a withdrawal party;
acquiring payment transferred by the payer according to the transaction contract;
supervising the payer and the payee in violation of the transaction contract during the transaction;
and if the payer and the withdrawal party do not default and the transaction height reaches a preset height, transferring the part specified by the transaction contract in the payment sum to an account corresponding to the withdrawal party.
Further, the block chain based installment method described above, the transaction contract comprising: an installment transaction contract;
correspondingly, the method further comprises:
if the payer defaults, judging whether the default state of the payer reaches a preset default height;
if not, determining the default money to be paid by the payer according to the transaction contract, and if the default money is acquired within a preset default height, recording the delay default information of the payer in the block chain network.
Further, the above block chain based installment payment method further includes:
and if the default state of the payer reaches the default height, marking the transaction contract as transaction failure, and recording the information of the loss of credit default of the payer in the blockchain network.
Further, the above block chain based installment payment method includes:
and if the withdrawing party defaults, canceling the transaction contract, and recording default information of the withdrawing party in the block chain network.
Further, the block chain based installment method described above, the transaction contract comprising: an installment withdrawal transaction contract;
correspondingly, the acquiring the payment amount transferred by the payer comprises the following steps: acquiring the payment money of all contract stages transferred by the payer;
correspondingly, the transferring of the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party comprises:
determining a first contract stage in which the payee is currently located, and determining a payout amount specified in the first contract stage according to the transaction contract;
and transferring the payment amount to the account of the withdrawal party.
Further, the block chain based installment method further comprises a second contract stage for determining the default of the payer or the payee if the payer or the payee violates;
transferring the unpaid part in the second default stage in the payment fund into a preset bonus pool, transferring the part corresponding to the unpaid stage in the payment fund back to the account corresponding to the payer, and recording default information of the two parties in the block chain network.
The invention also provides a block chain-based staging payment device, which is applied to a block chain network and comprises:
the acquisition module is used for acquiring a transaction contract uploaded by a payer or a withdrawal party;
the acquisition module is also used for acquiring the payment amount transferred by the payer according to the transaction contract;
a supervision module for supervising whether the payer and the payee violate the transaction contract during the transaction;
and the transfer module is used for transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party if the payment party and the withdrawal party do not have default and the transaction height reaches a preset height.
Further, the block chain-based installment apparatus described above, the transaction contract comprising: an installment transaction contract;
correspondingly, the device further comprises:
the judging module is used for judging whether the default state of the payer reaches a preset default height or not if the payer defaults;
and the recording module is used for determining default money to be paid by the payer according to the transaction contract if the transaction contract is not confirmed, and recording delay default information of the payer in the block chain network if the default money is acquired within a preset default height.
Further, the block chain based installment apparatus, the recording module, is further configured to mark the transaction contract as a transaction failure if the default status of the payer reaches the default height, and record the information of the default of the payer in the block chain network.
The invention also provides a block chain-based installment payment device, which comprises a processor and a memory, wherein the processor is connected with the memory:
the processor is used for calling and executing the program stored in the memory;
the memory for storing the program for at least performing the blockchain based installment payment method of any of the above.
The invention relates to a block chain-based installment payment method device and equipment, which are applied to a block chain network and used for acquiring a transaction contract uploaded by a payer or a payee; acquiring a payment amount transferred by a payer according to a transaction contract; supervising whether the payer and the payee violate a transaction contract in the transaction process; and if the payer and the withdrawal party do not default and the transaction height reaches the preset height, transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party. According to the technical scheme, a decentralized payment platform is established based on the blockchain network, periodic payment can be conducted, data safety is guaranteed, the blockchain network is subjected to whole-network supervision, the public and transparent property is achieved, the repudiation cannot be achieved, the falsification cannot be achieved, a credit system is provided, and the data on the chain can provide credit evidence for data accuracy, so that the credit system does not need to be built and maintained with a large amount of time and energy.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart provided by an embodiment of a block chain based installment method of the present invention;
FIG. 2 is a schematic structural diagram of an embodiment of the block chain-based installment for installment of an installment according to the present invention;
fig. 3 is a schematic structural diagram provided by an embodiment of the block chain-based installment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the examples given herein without any inventive step, are within the scope of the present invention.
The installment payment method of the embodiment is mainly applied to the block chain network. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm, and has the characteristics of decentralization, openness, anonymity, traceability, tamper resistance and impossibility of counterfeiting. Transaction information based on the UTXO or ACCOUNT model is packed into individual blocks, and the blocks are associated with each other by a hash in a block header according to a high order of precedence to form a chain, which is a block chain. All operations on the blockchain are recorded on the chain, unlike a centralized structure, where data on the chain, either by an individual or by a small group, is almost impossible to modify.
Fig. 1 is a flowchart provided by an embodiment of the block chain-based installment payment method of the present invention. Referring to fig. 1, the present embodiment may include the following steps:
s101, acquiring a transaction contract uploaded by a payer or a withdrawal party.
In this embodiment, a transaction contract uploaded by a payer or a payee may be obtained. Transaction contracts generally include both installment transaction contracts and installment withdrawal transaction contracts.
The parameters of payment period, contract validity period, payment amount per period, payment object address, handling fee, contract content, overdue percentage of interest per hundred height and the like are required to be specified in the installment payment transaction contract; the payment transaction contract needs to specify parameters such as a withdrawal period, a contract validity period, contract stages, payment sum (which can be dynamically floated) withdrawn in each contract stage, a payment object address, a commission fee, contract contents, a designated bonus pool address and the like.
The trade contract is constructed by the negotiation confirmation of the trading parties through the lines in advance and the corresponding parameters, and can be added by any party.
And S102, acquiring the payment paid by the payer according to the transaction contract.
The payment paid by the payer is obtained based on the contents specified in the transaction contract. If the transaction contract is an installment payment transaction contract, the payer only needs to pay the payment money which needs to be transferred in the current period according to the parameters of 'payment money per period' and 'commission charge' in the installment payment transaction contract. If the transaction contract is an installment withdrawal transaction contract, the payer needs to transfer the payment in all the contract stages according to the parameters of the installment withdrawal transaction contract, such as the contract stage, the payment amount withdrawn in each period in each contract stage, the commission charge and the like. The blockchain network in this embodiment may obtain the payment amount transferred by the payer.
In this embodiment, a payment transaction contract is explained by taking an example of payroll issued by a company to an employee:
specifically, a certain company X signs a labor contract with an employee A, m is a trial period, A is a withdrawal amount per period of the trial period, n is a complete contract period (including the trial period), B is a withdrawal amount per period of a formal contract period, and St is a total amount to be transferred, according to the following formula:
in one embodiment, the formal contract period is three years, the trial period is three months, the complete contract period is three years and three months, the trial payroll is 3000 yuan, and the corrected payroll is 5000 yuan. The company then has to transfer all of the contract fee at once, if the fee is not considered, i.e. 3000 x 3+5000 x 12 x 3-189000 dollars, and if the fee is to be paid, the fee is also transferred by the payer or the payee as specified in the transaction contract.
The embodiment takes the example of purchasing a car by installment, and explains the installment trade contract:
specifically, a person purchases a car from a car supplier in a pay-by-date manner, and the monthly payment balance is calculated to be 4000 dollars, and if the payment is not considered, he transfers to 4000 dollars per month, and if the payment is required, the payment is transferred to the payment party or the withdrawal party according to the rules of the transaction contract.
S103, monitoring whether the payer and the withdrawal party violate a transaction contract in the transaction process.
In the whole transaction process, the payer and the teller are supervised to judge whether the two parties violate a transaction contract or not.
And S104, if the payer and the withdrawal party do not default and the transaction height reaches a preset height, transferring the part specified by the transaction contract in the payment sum to an account corresponding to the withdrawal party.
If no default action occurs for both the payer and the payee, and the transaction height reaches a preset height, the payee may take the portion of the transaction contract in the payment amount.
Specifically, if the transaction contract is an installment payment transaction contract, the payer and the payee have no default behavior, and the transaction height reaches a preset height, and the payee transfers the part of the payment contract in the payment sum, that is, the part of the payment sum paid by the payer, which does not contain the commission fee, to the account of the payee. That is, the car purchaser and the car supplier do not have a default, and the time of the payment transaction reaches the preset completion time, that is, the car supplier can take all 4000 yuan.
If the transaction contract is an installments withdrawal contract, the payer and the payee do not have default behaviors, and the transaction height reaches a preset height, a first contract stage where the payee is located needs to be determined, a payment amount specified in the first contract stage is determined according to the transaction contract, and the payment amount is transferred to an account of the payee. It should be noted that, under the contract of the installment withdrawal, each time a block is added, the contract of the installment withdrawal is called once to judge whether the unlocking height of the payment sum agreed in the contract is satisfied. If the payment is satisfied, unlocking is carried out, namely the preset height is reached, the money withdrawing party can take away the payment, and if the payment is not satisfied, locking is carried out continuously. And only the payee in the contract has the right to transfer the unlocked payment amount. Wherein the preset height may be a preset time period.
That is, if employee a is in the trial period, employee a and company X do not have default, and the money withdrawal transaction also reaches the preset money withdrawal time, employee a may take 3000 yuan of the month, and if employee a has just turned, may take 5000 yuan of the month.
The block chain-based installment payment method is applied to a block chain network, obtains a transaction contract uploaded by a payer and/or a payee, obtains a payment sum paid by the payer according to the transaction contract, supervises whether the payer and the payee violate the transaction contract in a transaction process, and transfers an account corresponding to the payee to a part specified by the transaction contract in the payment sum if the payer and the payee do not violate and the transaction height reaches a preset height. According to the technical scheme, a decentralized payment platform is established based on the blockchain network, periodic payment can be conducted, data safety is guaranteed, the blockchain network is subjected to whole-network supervision, the public and transparent property is achieved, the repudiation cannot be achieved, the falsification cannot be achieved, a credit system is provided, and the data on the chain can provide credit evidence for data accuracy, so that the credit system does not need to be built and maintained with a large amount of time and energy.
Further, the present embodiment may further include the following steps based on the above embodiment: if the transaction contract is a transaction contract for withdrawing money in installments, if the payer or the payee is defaulted, determining a second contract stage in which the payer or the payee is defaulted; and transferring the unpaid part in the payment money in the second default stage into a preset bonus pool, and transferring the part in the payment money corresponding to the unpaid stage back to the account corresponding to the payer.
Specifically, if the transaction contract is withdrawn on an installment basis, the second contract period in which the payer is located may be determined if the payer or the withdrawal party has a default. Transferring the unpaid payment in the second contract period into a preset bonus pool according to the bonus pool address parameter in the transaction contract, transferring the payment in the unpaid period back to the account of the payer, and recording the default behaviors of the two parties in the blockchain network.
For example, if employee A or company X violates the second month of the trial period, payroll for the third month of the trial period may be transferred to the corresponding bonus pool, and payroll for the next month may be transferred back to company X's account. If a default occurs after the diversion, the payroll remaining unpaid for the diversion period may be transferred to a prize pool.
Further, the present embodiment may further include the following steps based on the above embodiment: the transaction contract is an installments payment transaction contract, and if the payer defaults, whether the default state of the payer reaches a preset default height is judged; if not, determining default money to be paid by the payer according to the transaction contract, and if the default money is obtained within a preset default height, recording delay default information of the payer in the blockchain network; if so, the transaction contract is marked as a transaction failure, and information of the loss of credit default of the payer is recorded in the blockchain network.
Specifically, if the payer has a default behavior, it may be determined whether the default status of the payer reaches a preset default height, for example, within one week after the payment due. If the default height is not reached, the default money which the payer should pay can be calculated, if the payment money and the default money transferred by the payer can be received within the default height, the payer only has a delay default at the moment, the transaction contract can be continuously fulfilled, and delay default information is recorded in the blockchain network. If the default fund and the payment fund paid by the payer are not obtained after the default height is reached, namely the default state of the payer reaches the default height, the transaction failure is represented, and the information of the loss of credit default of the payer is recorded in the blockchain. Further, if the payer appears as a default, the contract can be cancelled directly, and the payer does not need to transfer the payment.
The decentralized characteristic of the block chain technology provides more imagination space for the optimization of our social life. Particularly, the method plays a more and more important role in constructing a social integrity system and realizing social fairness and justice to the maximum extent. In the blockchain network of the embodiment, transaction data is packaged and linked up, supervision of the whole network can be received, and the method is transparent, non-repudiatable and non-falsifiable, so that a decentralized credit system is formed, self-making on the chain is formed, and a payer and a payee can truthfully fulfill a transaction contract.
The invention also provides a block chain-based staging payment device, which is used for realizing the embodiment of the method. Fig. 2 is a schematic structural diagram provided by an embodiment of the block chain-based installment. Referring to fig. 2, the installment for payment based on block chain of this embodiment includes:
the acquisition module 11 is used for acquiring a transaction contract uploaded by a payer or a withdrawal party;
the acquisition module 11 is further configured to acquire a payment amount transferred by the payer according to the transaction contract;
a supervision module 12 for supervising whether the payer and the payee violate a transaction contract during the transaction;
and the transfer module 13 is used for transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party if the payment party and the withdrawal party do not have default and the transaction height reaches a preset height.
The installment based on block chain of this embodiment, apply to block chain network, obtain module 11 obtain the transaction contract that the payer or withdrawer upload; acquiring a payment amount transferred by a payer according to a transaction contract; the supervision module 12 supervises whether the payer and the payee violate a transaction contract in the transaction process, and if the payer and the payee do not violate the transaction contract and the transaction height reaches a preset height, the transfer module 13 transfers the part specified by the transaction contract in the payment money to an account corresponding to the payee. According to the technical scheme, a decentralized payment platform is established based on the blockchain network, periodic payment can be conducted, data safety is guaranteed, the blockchain network is subjected to whole-network supervision, the public and transparent property is achieved, the repudiation cannot be achieved, the falsification cannot be achieved, a credit system is provided, and the data on the chain can provide credit evidence for data accuracy, so that the credit system does not need to be built and maintained with a large amount of time and energy.
Further, the trading contract comprises: an installment transaction contract;
correspondingly, the staged payment device based on the blockchain of the embodiment further includes:
the judging module is used for judging whether the default state of the payer reaches the preset default height or not if the payer defaults;
and the recording module is used for determining the default money to be paid by the payer according to the transaction contract if the transaction contract is not confirmed, and recording the delay default information of the payer in the block chain network if the default money is acquired within the preset default height.
Further, the recording module is further used for marking the transaction contract as transaction failure if the default state of the payer reaches the default height, and recording the information of the loss of credit default of the payer in the blockchain network.
Further, the recording module is also used for canceling the transaction contract and recording default information of the withdrawal party in the blockchain network if the withdrawal party defaults.
Further, the transaction contract comprises an installment withdrawal transaction contract;
correspondingly, the acquisition module is specifically used for acquiring the payment funds of all contract stages transferred by the payer;
correspondingly, the transfer module is specifically used for determining a first contract stage where the withdrawal party is located at present and determining a payment amount specified in the first contract stage according to the transaction contract;
and transferring the payment amount to the account of the withdrawal party.
Correspondingly, the device also comprises a determining module;
the determining module is used for determining a second contract stage in which the payer or the teller breaks contract if the payer or the teller breaks contract;
and the recording module is also used for transferring the unpaid part in the payment sum and the second default stage into a preset bonus pool, transferring the unpaid part in the payment sum and the unpaid stage back to the account corresponding to the payer, and recording default information of the two parties in the block chain network.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
The invention also provides a group of block chain-based staging payment equipment, which is used for realizing the embodiment of the method. Fig. 3 is a schematic structural diagram of an embodiment of a block chain-based installment payment apparatus according to the present invention, please refer to fig. 3, the block chain-based installment apparatus of the present embodiment includes a processor 21 and a memory 22, the processor 21 is connected to the memory 22:
wherein, the processor 21 is configured to call and execute a program stored in the memory 22;
the memory 22 is used for storing the program, and the program is at least used for executing the block chain based staging payment method described in the above embodiment.
It is understood that the same or similar parts in the above embodiments may be mutually referred to, and the same or similar parts in other embodiments may be referred to for the content which is not described in detail in some embodiments.
It should be noted that the terms "first," "second," and the like in the description of the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. Further, in the description of the present invention, the meaning of "a plurality" means at least two unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (10)
1. An installment payment method based on a block chain is applied to a block chain network, and the method comprises the following steps:
acquiring a transaction contract uploaded by a payer or a withdrawal party;
acquiring payment transferred by the payer according to the transaction contract;
supervising the payer and the payee in violation of the transaction contract during the transaction;
and if the payer and the withdrawal party do not default and the transaction height reaches a preset height, transferring the part specified by the transaction contract in the payment sum to an account corresponding to the withdrawal party.
2. The blockchain-based installment payment method according to claim 1, wherein the transaction contract includes: an installment transaction contract;
correspondingly, the method further comprises:
if the payer defaults, judging whether the default state of the payer reaches a preset default height;
if not, determining the default money to be paid by the payer according to the transaction contract, and if the default money is acquired within a preset default height, recording the delay default information of the payer in the block chain network.
3. The block chain based installment payment method according to claim 2, wherein the method further comprises:
and if the default state of the payer reaches the default height, marking the transaction contract as transaction failure, and recording the information of the loss of credit default of the payer in the blockchain network.
4. The block chain based installment payment method according to claim 3, wherein the method comprises:
and if the withdrawing party defaults, canceling the transaction contract, and recording default information of the withdrawing party in the block chain network.
5. The blockchain-based installment payment method according to claim 1, wherein the transaction contract includes: an installment withdrawal transaction contract;
correspondingly, the acquiring the payment amount transferred by the payer comprises the following steps: acquiring the payment money of all contract stages transferred by the payer;
correspondingly, the transferring of the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party comprises:
determining a first contract stage in which the payee is currently located, and determining a payout amount specified in the first contract stage according to the transaction contract;
and transferring the payment amount to the account of the withdrawal party.
6. The blockchain-based installment payment method as recited in claim 5, further comprising, if the payer or the payee violates, determining a second contract phase at which the payer or the payee violates;
transferring the unpaid part in the second default stage in the payment fund into a preset bonus pool, transferring the part corresponding to the unpaid stage in the payment fund back to the account corresponding to the payer, and recording default information of the two parties in the block chain network.
7. An installment based on block chain, which is applied in block chain network, the installment includes:
the acquisition module is used for acquiring a transaction contract uploaded by a payer or a withdrawal party;
the acquisition module is also used for acquiring the payment amount transferred by the payer according to the transaction contract;
a supervision module for supervising whether the payer and the payee violate the transaction contract during the transaction;
and the transfer module is used for transferring the part specified by the transaction contract in the payment sum to the account corresponding to the withdrawal party if the payment party and the withdrawal party do not have default and the transaction height reaches a preset height.
8. The blockchain-based installment payment device of claim 1 wherein the transaction contract comprises: an installment transaction contract;
correspondingly, the device further comprises:
the judging module is used for judging whether the default state of the payer reaches a preset default height or not if the payer defaults;
and the recording module is used for determining default money to be paid by the payer according to the transaction contract if the transaction contract is not confirmed, and recording delay default information of the payer in the block chain network if the default money is acquired within a preset default height.
9. The blockchain-based installment apparatus according to claim 8, wherein the recording module is further configured to mark the transaction contract as a transaction failure if the default status of the payer reaches the default height, and record the information of the loss of credit default of the payer in the blockchain network.
10. An installment payment device based on a block chain, comprising a processor and a memory, wherein the processor is connected with the memory:
the processor is used for calling and executing the program stored in the memory;
the memory for storing the program for performing at least the block chain based installment method of any one of claims 1 to 6.
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