CN112767169B

CN112767169B - Block chain-based fund transaction processing method and device, electronic equipment and medium

Info

Publication number: CN112767169B
Application number: CN202110213586.XA
Authority: CN
Inventors: 张杨; 花学周; 刘珩; 张湘
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-02-25
Filing date: 2021-02-25
Publication date: 2024-02-06
Anticipated expiration: 2041-02-25
Also published as: CN112767169A

Abstract

The present disclosure provides a blockchain-based funds transaction processing method in which a first account is created on a blockchain network. The method comprises the following steps: and when the first account receives the application of the funds outflow service, sending broadcasting of the funds outflow service to the blockchain network, wherein the broadcasting comprises attribute information and funds outflow information of the first account. And receiving a verification result of the block chain network on the fund outflow information based on a preset fund outflow authority, wherein the fund outflow authority has a corresponding relation with the attribute information of the first account. And executing the funds outflow service to conduct funds transaction when the verification result shows that the funds outflow information accords with the funds outflow authority. The disclosure also provides a blockchain-based funds transaction processing device, an electronic device and a storage medium.

Description

Block chain-based fund transaction processing method and device, electronic equipment and medium

Technical Field

The present disclosure relates to the field of blockchain technology, and more particularly, to a blockchain-based funds transaction processing method, device, electronic apparatus, and storage medium.

Background

The supervision of the funds flow is of great importance in maintaining the economic order of the market, guaranteeing public interest, preventing fraudulent activities or avoiding excessive concentration of funds in an industry. For example, related policies prohibit the business loan from flowing into the real estate field and conduct transactions such as real estate sales, so that the flowing condition of the business loan needs to be tracked to avoid the loan being used for purchasing real estate. Currently, the same financial institution may track and manage the funds flow between the internal accounts.

In implementing the concepts of the present disclosure, the inventors found that at least the following problems exist in the prior art:

effective tracking is not possible for funds traveling between accounts at different financial institutions and for transactions.

Disclosure of Invention

In view of the above, the embodiments of the present disclosure provide a method for processing funds transaction, a processing apparatus, an electronic device, and a storage medium, which can implement funds tracking between different financial institutions based on a blockchain network.

One aspect of an embodiment of the present disclosure provides a blockchain-based funds transaction processing method in which a first account is created on a blockchain network. The method comprises the following steps: when the first account receives an application of a funds outflow service, sending a broadcast of the funds outflow service to the blockchain network, wherein the broadcast comprises attribute information and funds outflow information of the first account; receiving a verification result of the block chain network on the fund outflow information based on a preset fund outflow authority, wherein the fund outflow authority has a corresponding relation with the attribute information of the first account; and executing the funds outflow service to conduct funds transaction when the verification result shows that the funds outflow information accords with the funds outflow authority.

According to an embodiment of the present disclosure, the fund outflow right and the attribute information of the first account have a correspondence relationship including: presetting at least one first fund use after the funds of the first account flow out based on the attribute information of the first account; the funds outflow authority is set based on the at least one first funds use.

According to an embodiment of the present disclosure, the setting the funds outflow authority includes: assigning a first use identifier to each of the at least one first use; storing all the first use identifications to the blockchain network to set the funds outflow authority.

According to an embodiment of the present disclosure, the blockchain network verifying the funds outflow information includes: invoking the funds outflow authority based on the attribute information of the first account; and searching the first use identifier from the funds outflow authority based on a second use identifier, wherein the funds outflow information comprises the second use identifier.

According to an embodiment of the present disclosure, the verifying that the funds outflow information corresponds to the funds outflow authority includes: and searching the first use identifier matched with the second use identifier.

According to an embodiment of the present disclosure, the method further comprises storing information of the funds transaction to the blockchain network after performing the funds outflow service.

According to an embodiment of the present disclosure, the attribute information of the first account includes: at least one of a first user identification, a first type identification, and at least one first item identification.

According to an embodiment of the present disclosure, the funds outflow information includes: the first item identification of a first funds in the funds outflow service.

Another aspect of an embodiment of the present disclosure discloses a blockchain-based funds transaction processing method in which a second account is created on a blockchain network. The method comprises the following steps: receiving a broadcast of a funds inflow service flowing into the second account, wherein the broadcast comprises attribute information of the second account and funds inflow information; receiving a verification result of the funds inflow information by the blockchain network based on a preset funds inflow authority, wherein the funds inflow authority has a corresponding relation with the attribute information of the second account; and executing the funds inflow service to conduct funds transaction when the verification result shows that the funds inflow information accords with the funds inflow rights.

According to an embodiment of the present disclosure, the executing the funds inflow service to conduct a funds transaction includes: binding a second funds in the funds inflow service with a second item identification, wherein the funds inflow information includes the second item identification; and setting the funds outflow authority of the second account based on the second item identifier.

According to an embodiment of the present disclosure, the fund inflow right having a correspondence relationship with attribute information of the second account includes: presetting at least one second fund use of funds flowing into the second account based on the attribute information of the second account; the funds inflow authority is set based on the at least one second funds use.

According to an embodiment of the present disclosure, the setting the funds inflow authority includes: assigning a third use identifier to each of the at least one second use; storing all of the third use identifications to the blockchain network to set the funds inflow authority.

According to an embodiment of the present disclosure, the blockchain network verifying the funds inflow information includes: invoking the funds inflow authority based on the attribute information of the second account; and searching the third use identifier from the funds inflow authority based on the fourth use identifier, wherein the funds inflow information comprises the third use identifier.

According to an embodiment of the present disclosure, the verifying that the funds inflow information conforms to the funds inflow authority includes: and searching the third use identifier matched with the fourth use identifier.

According to an embodiment of the present disclosure, the method further includes storing information of the funds transaction to the blockchain network after executing the funds inflow service.

According to an embodiment of the present disclosure, the attribute information of the second account includes: at least one of a second user identification, a second type identification and at least one third item identification.

Another aspect of the disclosed embodiments is a blockchain-based funds transaction device wherein a first account is created on a blockchain network. The device comprises a service broadcasting module, a first receiving module and a first executing module. The service broadcasting module is used for sending a broadcast of the funds outflow service to the blockchain network when the first account receives the application of the funds outflow service, wherein the broadcast comprises attribute information and funds outflow information of the first account. The first receiving module is configured to receive a verification result of the blockchain network on the funds outflow information based on a preset funds outflow authority, where the funds outflow authority has a corresponding relationship with attribute information of the first account. The first executing module is used for executing the funds outflow service to conduct funds transaction when the verification result shows that the funds outflow information accords with the funds outflow authority.

Another aspect of the disclosed embodiments provides a blockchain-based funds transaction device wherein a second account is created on the blockchain network. The device comprises a second receiving module, a third receiving module and a second executing module. The second receiving module is configured to receive a broadcast of a funds inflow service flowing into the second account, where the broadcast includes attribute information and funds inflow information of the second account. The third receiving module is configured to perform verification on the funds inflow information by using the blockchain network based on a preset funds inflow authority, where the funds inflow authority has a corresponding relationship with attribute information of the second account. And the second execution module is used for executing the funds inflow service to conduct funds transaction when the verification result shows that the funds inflow information accords with the funds inflow authority.

Another aspect of an embodiment of the present disclosure provides an electronic device. The electronic device includes a storage device and one or more processors. The storage device has one or more programs stored thereon. The processor executes the instructions to implement the method as described above.

Another aspect of the disclosed embodiments provides a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, cause the processor to perform the method as described above.

Yet another aspect of the disclosed embodiments provides a computer program product comprising a computer program/instruction which, when executed by a processor, implements a method as described above.

One or more of the above embodiments have the following advantages or benefits:

according to the embodiment of the disclosure, the problem that the movement of funds flowing between accounts of different financial institutions and the transaction condition cannot be effectively tracked can be at least partially solved, and the funds flowing service is executed to conduct funds transaction when the verification result of the blockchain network indicates that the funds flowing information accords with the funds flowing right through creating the first user on the blockchain network, so that the funds flowing can be effectively tracked, the funds use is standardized, and the safety and transparency of the funds are ensured.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments thereof with reference to the accompanying drawings in which:

FIG. 1 schematically illustrates an exemplary system architecture to which a funds transaction processing method may be applied, in accordance with embodiments of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a blockchain-based funds transaction processing method in accordance with an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of setting funds outflow authority in accordance with an embodiment of the disclosure;

FIG. 4 schematically illustrates a flow chart of setting funds outflow authority in accordance with yet another embodiment of the disclosure;

FIG. 5 schematically illustrates a flow chart of verifying the funds outflow information in accordance with embodiments of the disclosure;

FIG. 6 schematically illustrates a flow chart of a blockchain-based funds transaction processing method in accordance with yet another embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow chart of a method of funds transaction processing according to another embodiment of the disclosure;

FIG. 8 schematically illustrates a flow chart of setting funds inflow rights in accordance with an embodiment of the disclosure;

FIG. 9 schematically illustrates a flow chart of setting funds inflow rights in accordance with another embodiment of the disclosure;

FIG. 10 schematically illustrates a flow chart of verifying the funds inflow information in accordance with yet another embodiment of the disclosure;

FIG. 11 schematically illustrates a block diagram of a blockchain-based funds transaction processing device in accordance with an embodiment of the present disclosure;

FIG. 12 schematically illustrates a block diagram of a blockchain-based funds transaction device in accordance with yet another embodiment of the present disclosure;

FIG. 13 schematically illustrates a block diagram of a blockchain-based funds transaction device in accordance with another embodiment of the present disclosure;

fig. 14 schematically illustrates a composition diagram of a subscriber module on an identification chain according to an embodiment of the present disclosure;

FIG. 15 schematically illustrates a composition diagram of a set usage account usage range module according to an embodiment of the present disclosure;

FIG. 16 schematically illustrates a schematic diagram of a usage matching module according to an embodiment of the present disclosure;

FIG. 17 schematically illustrates a schematic diagram of a funds transaction verification failure in accordance with an embodiment of the disclosure;

FIG. 18 schematically illustrates a schematic diagram of a successful verification of a funds transaction in accordance with an embodiment of the disclosure;

FIG. 19 schematically illustrates a flow chart of an application funds transaction processing method according to another embodiment of the disclosure; and

fig. 20 schematically illustrates a block diagram of a computer system suitable for implementing the blockchain-based funds transaction processing methods and apparatus in accordance with embodiments of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the concepts of the present disclosure.

The present disclosure provides a blockchain-based funds transaction processing method in which a first account is created on a blockchain network. The method comprises the following steps: and when the first account receives the application of the funds outflow service, sending broadcasting of the funds outflow service to the blockchain network, wherein the broadcasting comprises attribute information of the first account and funds outflow information. And receiving a verification result of the block chain network on the fund outflow information based on the preset fund outflow authority, wherein the fund outflow authority has a corresponding relation with the attribute information of the first account. And executing the funds outflow service to conduct funds transaction when the verification result shows that the funds outflow information accords with the funds outflow authority.

Fig. 1 schematically illustrates an exemplary system architecture 100 to which a funds transaction processing method may be applied, according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which embodiments of the present disclosure may be applied to assist those skilled in the art in understanding the technical content of the present disclosure, but does not mean that embodiments of the present disclosure may not be used in other devices, systems, environments, or scenarios.

As shown in fig. 1, a system architecture 100 according to this embodiment may include nodes 101, 102, 103, 104 and a blockchain network 105. Blockchain network 105 may include different forms of public chains, private chains, and federated chains. Among other things, the BlockChain (BlockChain) in the present disclosure may be, for example, a chained data structure. The blockchain technology is a distributed account book realized by using a blockchain, and is a technical scheme for collectively maintaining a reliable database in a mode of decentralization and trust removal. The blockchain includes three basic elements, namely: block (records Transaction and status result occurring in a period of time, is a consensus of the current ledger state), chain (Chain, formed by serial connection of blocks according to the occurrence sequence, is log record of the whole status change) and Transaction (Transaction, an operation, results in a change of ledger state).

A user may interact with blockchain network 105 using nodes 101, 102, 103, 104 to create accounts, conduct transactions, upload information, and the like. Various communication client applications, such as blockchain applications, shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (for example only), may be installed on nodes 101, 102, 103, 104, it being noted that accounts created on blockchain network 105 may have funds in-flow or out-flow functionality, or functionality of an existing bank account or functionality to be developed in the future.

Nodes 101, 102, 103, 104 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The processes of verifying, storing, transmitting, etc. data in the blockchain network 105 are all based on a distributed system architecture, each node (e.g., nodes 101, 102, 103, 104) stores a complete record database, rights and obligations are equal, and the data is transmitted point-to-point, stored together, updated and maintained by the nodes of the whole network. Therefore, compared with the traditional central integrated management network, the blockchain system establishes the information relation among distributed nodes, and the defect that the whole data network is paralyzed due to the attack of a single center does not exist.

Nodes 101, 102, 103, 104 may be connected to a server, which may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using nodes 101, 102, 103, 104. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the node.

It should be noted that the funds transaction processing method provided by the embodiments of the present disclosure may be generally performed by the nodes 101, 102, 103, 104. Accordingly, the funds-transaction processing apparatus provided by embodiments of the present disclosure may be generally disposed in nodes 101, 102, 103, 104. The funds transaction processing methods provided by embodiments of the present disclosure may also be performed by a server or cluster of servers capable of communicating with nodes 101, 102, 103, 104. Accordingly, the funds transaction processing apparatus provided by embodiments of the disclosure may also be provided in a server or cluster of servers capable of communicating with nodes 101, 102, 103, 104.

It should be understood that the nodes in fig. 1 are merely illustrative. There may be any number of nodes, as desired for implementation.

Fig. 2 schematically illustrates a flow chart of a blockchain-based funds transaction processing method according to an embodiment of the present disclosure.

Referring to fig. 1 and 2, a first account is created on the blockchain network 105. As shown in fig. 2, the blockchain-based funds transaction processing method may include operations S210 to S230.

When the first account receives the request for the funds outflow service, a broadcast of the funds outflow service is transmitted to the blockchain network in operation S210, wherein the broadcast includes attribute information of the first account and funds outflow information.

According to an embodiment of the present disclosure, referring to fig. 1, nodes 101, 102, 103, 104, for example, are deployed at bank a, bank B, bank C, and bank D, respectively. The A bank, the B bank, the C bank and the D bank are connected with the self-managed nodes through the application system to access the blockchain network 105. Wherein the blockchain network 105 may be a blockchain coalition network. For example, an a user may create a first account on blockchain network 105 through a node 101 managed by an a bank.

According to an embodiment of the present disclosure, the attribute information of the first account may include: at least one of a first user identification, a first type identification, and at least one first item identification. For example, the first user identifier may be an identifier of a user such as a chinese name, pinyin, english name, etc., the first type identifier may be a user type, for example, the user a may be an real estate development company, and the first type identifier is a real estate. The account may also be a corporate account of a medical device manufacturing company, the first type of identification being medical. A plurality of first projects may be provided in the first account, for example, a real estate development company may be provided with a building construction project, a greening project, or a labor cost project, etc., wherein each project may be assigned a first project identifier.

According to embodiments of the present disclosure, when a user needs to transfer funds in a first account out, an application may be filed at bank a to transact funds transfer, such that bank a performs a related operation at node 101. The first account may receive the request for the funds outflow service and then send a broadcast of the funds outflow service to the blockchain network, where the broadcast may include attribute information of the first account and funds outflow information.

According to an embodiment of the present disclosure, the funds outflow information includes a first item identification of a first funds in the funds outflow service. The funds outflow information may include, for example, the use of the funds, the target account information for the outflow, and the like.

In operation S220, a verification result of the blockchain network on the funds outflow information based on the preset funds outflow authority is received, wherein the funds outflow authority has a corresponding relationship with the attribute information of the first account.

In operation S230, when the verification result indicates that the funds outflow information meets the funds outflow authority, a funds outflow service is performed to conduct a funds transaction.

According to embodiments of the present disclosure, the funds outflow authority of the first account may be preset on the blockchain network. And after the blockchain network receives the broadcast of the funds outflow service, verifying the funds outflow information.

By utilizing the fund transaction processing method disclosed by the embodiment of the invention, when the verification result of the blockchain network shows that the fund outflow information accords with the fund outflow right, the fund outflow service is executed to conduct the fund transaction, so that the fund flow can be effectively tracked, the fund use is standardized, and the safety and transparency of the fund are ensured.

Fig. 3 schematically illustrates a flow chart of setting funds outflow authority in accordance with an embodiment of the disclosure.

As shown in fig. 3, setting the funds outflow authority may include operations S310 to S320.

At least one first use of funds after outflow of funds from the first account is preset based on the attribute information of the first account in operation S310.

According to embodiments of the present disclosure, for example, when a real estate development company creates a first account, the purpose of the first account funds outflow may be preset to the purpose of real estate development related civil engineering, matching, and the like.

In operation S320, a funds outflow authority is set based on the at least one first funds use.

According to the embodiment of the disclosure, for example, when the first account performs each fund outflow service, the purpose of fund outflow needs to conform to a preset purpose range, and the objective account to be outflow needs to meet the relevant type.

By using the fund transaction processing method disclosed by the embodiment of the invention, the fund outflow authority of the first account is preset, the use of each fund outflow is limited according to the fund outflow authority, the fund outflow of the first account can be controlled, and the legal compliance of the fund in the first account is ensured.

Fig. 4 schematically illustrates a flow chart of setting funds outflow authority in accordance with yet another embodiment of the present disclosure.

As shown in fig. 4, setting the funds outflow authority based on the at least one first funds use may include operations S410 through S420.

In operation S410, a first use identification is assigned to each of the at least one first use.

In operation S420, all the first use identifications are stored to the blockchain network to set the funds outflow authority.

According to embodiments of the present disclosure, for example, the first use identifier may be a use dictionary value to indicate a first account allowable funds outflow range using a use dictionary value having a correspondence with each use.

Specifically, for example, the identification of the "house building" use in the first account of the real estate development company may be set to "001", the identification of the "cell greening" use may be set to "002", and the identification of the "labor cost" use may be set to "003". Storing "001", "002" and "003" into the blockchain network after the setup is completed to limit the use of each fund transfer by the first account to be within the range of "001", "002" and "003". It should be noted that the application range and the identification form are merely examples, and may be flexibly set according to a specific scenario, and the present disclosure is not limited thereto.

Fig. 5 schematically illustrates a flow chart of verifying funds outflow information in accordance with an embodiment of the disclosure.

As shown in fig. 5, verifying the funds outflow information may include operations S510 through S520.

In operation S510, funds outflow authority is invoked based on the attribute information of the first account.

According to an embodiment of the present disclosure, a first account, such as an real estate development company, issues a funds outflow service broadcast to a blockchain network, the broadcast including a first user identification, a first type identification, and a first item identification of the first account. Wherein a unique key value may be generated for each first item identification and first user identification and first type identification using a hash algorithm (for example only). The funds outflow authority may then be invoked in accordance with the key.

In operation S520, the first use identifier is searched for from the funds outflow authority based on the second use identifier, wherein the funds outflow information includes the second use identifier.

According to an embodiment of the present disclosure, verifying that the funds outflow information corresponds to the funds outflow authority includes finding a first use identifier that matches a second use identifier.

According to an embodiment of the present disclosure, for example, the funding service is used to purchase building materials for building houses, then the second use identifier "001-1" may be included in the broadcast. Because the funds outflow authority of the first account is "001", "002" and "003". So the matching with the '001-1' can be found based on the '001-1', and the '001' is put, the fund outflow information accords with the fund outflow authority of the first account (namely, the fund outflow information can be used for building houses). It should be noted that, specific matching rules may be flexibly set, and the disclosure is not limited in particular.

According to the embodiment of the disclosure, each node may perform the above verification process, and feedback the verification result, for example. When the number of nodes successfully verified meets a certain proportion, the first account can be made to conduct funds transaction.

According to embodiments of the present disclosure, after performing the funds outflow service, information of the funds transaction is stored to the blockchain network.

Fig. 6 schematically illustrates a flow chart of a blockchain-based funds transaction processing method in accordance with yet another embodiment of the present disclosure.

Referring to fig. 1 and 6, a second account is created on the blockchain network 105. As shown in fig. 6, the blockchain-based funds transaction processing method may include operations S610 through S630.

In operation S610, a broadcast of a funds inflow service into a second account is received, wherein the broadcast includes attribute information of the second account and funds inflow information.

Referring to fig. 1, for example, a B-user may create a second account on blockchain network 105 through B-bank managed node 102, in accordance with embodiments of the present disclosure.

According to an embodiment of the present disclosure, the attribute information of the second account may include at least one of a second user identification, a second type identification, and at least one third item identification. For example, the B-user may be a building material sales company that creates a second account at the B-bank. The second user identifier may be a user name (e.g. chinese or english, etc.) customized by the company, and the second type identifier may be a building material. Meanwhile, the second account may include a plurality of third items, such as a raw material purchase item, a labor cost item, a steel bar sales item, or a cement sales item, etc., wherein each third item may be assigned a third item identification.

According to embodiments of the present disclosure, for example, the C-user may be a construction project contractor that may create a second account via the C-bank managed node 103. The second user identifier of the second account may be a related name of a construction engineering contractor, and the second type identifier may be a construction engineering. Meanwhile, the company may include a plurality of third projects, such as an a-floor construction project, a labor cost expenditure project, a construction machine acquisition project, and the like. Wherein each third item may be assigned a third item identification.

In accordance with an embodiment of the present disclosure, an example is a real estate development company conducting a funds transaction to a second account of a construction contractor using a first account. First, a first account sends a funds outflow service broadcast to a blockchain network. Since the second account is also on the blockchain network, and the second account is managed by node 103 of the C bank. Thus, the second account receives the corresponding funds inflow service broadcast. The broadcast includes attribute information of the second account and funds inflow information.

In operation S620, a result of verifying the funds inflow information by the blockchain network based on the preset funds inflow authority is received, wherein the funds inflow authority has a corresponding relationship with the attribute information of the second account.

In operation S630, when the verification result indicates that the funds inflow information meets the funds inflow authority, a funds inflow service is performed to conduct a funds transaction.

According to embodiments of the present disclosure, the funds inflow authority of the second account may be preset on the blockchain network. After receiving the broadcast of the funds inflow service, the funds inflow information is validated.

By utilizing the fund transaction processing method disclosed by the embodiment of the invention, when the verification result of the blockchain network shows that the fund inflow information accords with the fund inflow right, the fund inflow service is executed to conduct the fund transaction, so that the fund flow can be effectively tracked, the fund use is standardized, and the safety and transparency of the fund are ensured.

Fig. 7 schematically illustrates a flow chart of a method of funds transaction processing according to another embodiment of the disclosure.

As shown in fig. 7, the funds transaction processing method may further include operations S710 to S720 in addition to operations S610 to S620, wherein performing the funds inflow service to conduct the funds transaction in operation S630.

A second funds in the funds inflow service is bound to the second item identification in operation S710, wherein the funds inflow information includes the second item identification.

In operation S720, the funds outflow authority of the second account is set based on the second item identification.

According to embodiments of the present disclosure, for example, a real estate development company is to subcontract the construction project of the B-floor to a construction project contractor. When the first account of the real estate development company carries out fund transaction to the second account of the contractor, the fund inflow information received by the second account comprises the identification of the fund metal in the building project of the B building. After the second account successfully receives the funds, the funds are bound with the identification of the building construction project B at the same time, and the use of the funds in the process of flowing out of the second account is set to be only used for the building construction project B.

By utilizing the fund transaction processing method disclosed by the embodiment of the invention, the inflow fund of the second account can be bound with the project, so that the fund outflow authority of the second account can be dynamically set in the process of using the second account to conduct fund transaction, and even if the fund flows in a plurality of accounts, the fund can be clearly and transparently monitored.

Fig. 8 schematically illustrates a flow chart of setting funds inflow rights in accordance with an embodiment of the disclosure.

As shown in fig. 8, setting the funds inflow authority may include operations S810 to S820.

At least one second funds use of funds flowing into the second account is preset based on the attribute information of the second account in operation S810.

According to embodiments of the present disclosure, for example, when the construction engineering contractor creates the second account, the use of the second account funds inflow may be preset for use in building construction related civil works, mechanical purchase, and labor.

In operation S820, a funds inflow authority is set based on the at least one second funds use.

According to the embodiments of the present disclosure, for example, when the second account performs each fund inflow service, the use of the fund inflow can conform to a preset use range (i.e., a range of the fund inflow authority).

By using the funds transaction processing method disclosed by the embodiment of the disclosure, through presetting the funds inflow authority of the second account, the use of each funds inflow is limited according to the funds inflow authority, the funds inflow of the second account can be controlled, and the second account is ensured to receive legal and compliant funds.

Fig. 9 schematically illustrates a flow chart of setting funds inflow rights in accordance with another embodiment of the disclosure.

As shown in fig. 9, setting the funds inflow authority based on the at least one second funds use in operation S820 may include operations S910 to S920.

In operation S910, a third use identifier is assigned for each of the at least one second use.

In operation S920, all third use identifications are stored to the blockchain network to set the funds inflow authority.

In accordance with an embodiment of the present disclosure, a second account created by a construction engineering contractor is taken as an example. For example, the third usage identifier may be a usage dictionary value to indicate the allowable funds inflow range for the second account using the usage dictionary value having a correspondence with each inflow usage.

For example, the identification for "building construction" use may be set to the dictionary value of "004", the "equipment purchase" use may be set to the dictionary value of "005", and the identification for "demolish old building" use may be set to the dictionary value of "006". Dictionary values "004", "005" and "006" are stored into the blockchain network after setup is complete. The usage in each funding transaction for the second account should then be within the range of "004", "005" and "006". It should be noted that the application range and the identification form are merely examples, and may be flexibly set according to a specific scenario, and the present disclosure is not limited thereto.

Fig. 10 schematically illustrates a flow chart of verifying funds inflow information in accordance with yet another embodiment of the disclosure.

As shown in fig. 10, verifying the funds inflow information may include operations S1010 through S1020.

In operation S1010, the funds inflow authority is invoked based on the attribute information of the second account.

In operation S1020, a third use identifier is found from the funds inflow authority based on the fourth use identifier, wherein the funds inflow information includes the third use identifier.

According to an embodiment of the present disclosure, verifying that the funds inflow information corresponds to the funds inflow authority includes finding a third use identifier that matches the fourth use identifier.

According to embodiments of the present disclosure, for example, the blockchain network may invoke its funds inflow rights of "004", "005", and "006" based on the attribute information of the second account. When the fourth use of the funds outflow service is identified as "005-1" (e.g., for purchase of a tower crane), a match of "005" can be found, indicating that the verification is passed.

According to the embodiment of the disclosure, each node may perform the above verification process, and feedback the verification result, for example. And when the number of the nodes which are successfully verified meets a certain proportion, enabling the second account to conduct funds transaction.

According to embodiments of the present disclosure, after performing the funds inflow service, information of the funds transaction is stored to the blockchain network.

Fig. 11 schematically illustrates a block diagram of a blockchain-based funds transaction processing device 1100 in accordance with an embodiment of the present disclosure. Wherein a first account is created on the blockchain network.

As shown in fig. 11, the blockchain-based funds transaction processing apparatus 1100 may include a traffic broadcast module 1110, a first receiving module 1120, and a first executing module 1130.

The service broadcasting module 1110 may, for example, perform operation S210, for transmitting, to the blockchain network, a broadcast of the funds outflow service when the first account receives the application of the funds outflow service, wherein the broadcast includes attribute information of the first account and the funds outflow information.

The first receiving module 1120 may, for example, perform operation S220, configured to receive a verification result of the blockchain network on the funds outflow information based on the preset funds outflow authority, where the funds outflow authority has a corresponding relationship with the attribute information of the first account.

The first execution module 1130 may, for example, execute operation S230 for executing the funds outflow service to conduct the funds transaction when the verification result indicates that the funds outflow information meets the funds outflow authority.

According to an embodiment of the present disclosure, the attribute information of the first account includes at least one of a first user identification, a first type identification, and at least one first item identification.

According to an embodiment of the present disclosure, the funds outflow information includes a first item identification of a first funds in the funds outflow service.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1100 may further include a first authority module, which may perform operations S310 to S320, for example, to preset at least one first funds use after the outflow of funds of the first account based on the attribute information of the first account. And setting funds outflow authority based on the at least one first funds use.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1100 may further include an outflow authority module, which may perform operations S410 through S420, for example, for assigning a first use identification to each of the at least one first use. All first use identifications are stored to the blockchain network to set funds outflow authority.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1100 may further include a first verification module, which may perform operations S510-S520, for example, to invoke the funds outflow authority based on the attribute information of the first account, and to find the first use identifier from the funds outflow authority based on the second use identifier, wherein the funds outflow information includes the second use identifier.

Fig. 12 schematically illustrates a block diagram of a blockchain-based funds transaction processing apparatus 1200 in accordance with yet another embodiment of the present disclosure. Wherein a second account is created on the blockchain network.

As shown in fig. 12, the blockchain-based funds transaction device 1200 may include a second receiving module 1210, a third receiving module 1220, and a second executing module 1230.

The second receiving module 1210 may, for example, perform operation S610 for receiving a broadcast of a funds inflow service flowing into the second account, wherein the broadcast includes attribute information of the second account and funds inflow information.

The third receiving module 1220 may, for example, perform operation S620, configured to receive a verification result of the blockchain network on the funds inflow information based on the preset funds inflow authority, where the funds inflow authority has a corresponding relationship with the attribute information of the second account.

The second execution module 1230 may, for example, execute operation S630 for executing the funds inflow service to conduct the funds transaction when the verification result indicates that the funds inflow information meets the funds inflow rights.

According to an embodiment of the present disclosure, the attribute information of the second account includes at least one of a second user identification, a second type identification, and at least one third item identification.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1200 may further include an identity binding module, which may perform operations S710-S720, for example, for binding a second funds in the funds inflow service with a second item identity, wherein the funds inflow information includes the second item identity. And setting the funds outflow authority of the second account based on the second item identification.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1200 may further include a second authority module, which may perform operations S810 to S820, for example, to preset at least one second funds use after the inflow of funds of the second account based on the attribute information of the second account. And setting the funds inflow authority based on the at least one second funds use.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1200 may further include an inflow authority module, which may perform operations S910 through S920, for example, for assigning a third use identifier to each of the at least one second use. All third use identifications are stored to the blockchain network to set funds inflow rights.

According to an embodiment of the present disclosure, the funds transaction processing apparatus 1200 may further include a second verification module, which may perform operations S1010 to S1020, for example, for invoking the funds inflow authority based on the attribute information of the second account. And searching a third use identifier from the funds inflow authority based on the fourth use identifier, wherein the funds inflow information comprises the third use identifier.

Fig. 13 schematically illustrates a block diagram of a blockchain-based funds transaction device 1300 in accordance with another embodiment of the present disclosure. Wherein a first account and a second account are created on the blockchain network.

As shown in fig. 13, the funds transaction processing apparatus 1300 may include an identification chain user module 1310, a set usage account usage range module 1320, a usage account funds flow uplink module 1330, and a usage account transaction information monitoring module 1340.

The identification on-chain user module 1310 may be used to create a first account or a second account. In particular, the usage account (e.g., comprising the first account or the second account) may be an alphanumeric combination, combined by account identification, usage identification (e.g., may comprise a first type identification or a second type identification), item identification into a unique item usage account. The accounts and the usage are identified as a one-to-one correspondence, and there may be multiple items. Taking the real estate account as an example, the account is identified as the real estate company, and the account, the purpose and the specific project are combined into a unique project purpose account (account+real estate+real estate A project).

Fig. 14 schematically illustrates a composition diagram of an on-chain user module 1310 according to an embodiment of the disclosure.

As shown in FIG. 14, the on-chain user module 1310 may be used to identify the composition of a usage account, and may include an account unique identifier, a usage unique identifier, and an item identifier, where the item identifier may correspond to a plurality, such as an item 1 unique identifier and an item 2 unique identifier.

The set usage account usage scope module 1320 may be used to configure the funds inflow or outflow rights of the usage account. The usage of the usage account is realized by distributing corresponding data dictionary values, and the dictionary values can be adjusted when the usage changes so as to limit the inflow and outflow use range (namely the use authority) of the usage account, thereby controlling inflow or outflow funds to be in the corresponding usage range, otherwise, the transaction fails.

Fig. 15 schematically illustrates a composition diagram of the set usage account usage range module 1320 according to an embodiment of the present disclosure.

As shown in fig. 15, the set usage account usage range module 1320 may be used to identify usage dictionary values for each usage account that may be transacted during the funds inflow and outflow process to set the transaction range for each usage account. The set usage account usage scope module 1320 may include a usage list, where the usage list may include a funds inflow authority and a funds outflow authority of the usage account, for example, the funds inflow authority may include a usage 1 data dictionary value and a usage 2 data dictionary value, and the funds outflow authority may include a usage 3 data dictionary value and a usage 4 data dictionary value.

The usage account funds flow uplink module 1330 may be used to store transaction information to the blockchain network after the funds transaction is completed. The method comprises the following steps:

in one aspect, after the funds inflow account (e.g., the second account) receives the transaction broadcast of the funds outflow account (e.g., the first account), the transaction can be verified, for example, by a second verification module provided at each node, and if the verification correct feedback of each node reaches a certain ratio, the verification is successful, which indicates that the funds inflow authority is met, and the transaction can be performed. While the funds-inflow-use account receives the item identification passed by the funds-outflow-use account (e.g., the first account) for marking that the funds can only be used for this item, and then registers transaction information for uplink broadcast to all nodes of the blockchain network.

On the other hand, when the account of the fund outflow party sends out transaction broadcast to the account of the fund inflow party on the blockchain, the first verification module of each node can be used for verification, and if the verification correct feedback of each node reaches a certain ratio, the purpose matching is successful, and the transaction can be carried out. And the fund outflow party use account transmits the project identification to the fund inflow party use account for marking the fund which can only be used for the project, and registering transaction information to be uplink and broadcast to all nodes.

The usage account transaction information monitoring module 1340 may be used to monitor the flow of each of the funds on the blockchain network. The financial institution on the chain can look up the usage account's expense and income details through the nodes and see the destination of each funds. Therefore, the special effect can be achieved in the fund use process aiming at specific projects, the occurrence of transactions in the range of non-same use is prevented, and meanwhile, the fund flowing condition of the projects in each stage can be monitored, so that the risk of the projects can be evaluated.

Fig. 16 schematically illustrates a schematic diagram of a usage matching module according to an embodiment of the present disclosure.

As shown in fig. 16, the usage matching module may include a first verification module and a second verification module, and specifically may include a usage matching relationship list. The usage match relationship list may include funds outflow and inflow rights for each account. The usage matching module may be distributed to each node of the blockchain network, and each fund transaction of each account may be verified by the usage matching module. Specifically, the inflow purpose of the funds inflow information and the outflow purpose of the funds outflow information in the funds transaction can be respectively matched by using the purpose matching relationship list, and the transaction can be carried out if the data dictionary matching is successful, otherwise, the transaction fails.

Fig. 17 schematically illustrates a schematic diagram of a funds transaction verification failure in accordance with an embodiment of the disclosure. Fig. 18 schematically illustrates a schematic diagram of a successful verification of a funds transaction according to an embodiment of the disclosure.

As shown in fig. 17, for example, an outgoing usage account (e.g., a first account) transfers a piece of funds to an incoming usage account (e.g., a second account). Wherein the flow of funds requires completion of the inflow and outflow accounts, the matching of the funds uses, and the transfer of item identifications. On the one hand, the fund usage needs to be within the usage range of the account for the outflow usage, and on the other hand, the fund usage needs to be within the usage range of the account for the inflow usage. The purpose matching modules distributed on the nodes can be used for verifying the inflow and outflow purposes, if the verification results of the inflow and outflow purposes do not meet a certain proportion, the nodes do not agree, the transaction cannot pass, and the transaction cannot be continued.

As shown in fig. 18, if the usage of the fund satisfies both the usage range of the outgoing usage account and the incoming usage account, the verification of the usage matching module is possible. If the feedback verification of the application matching module of each node on the received block chain network reaches a certain proportion, the verification is successful, and each node reaches consensus, so that the transaction can be carried out. The funds issuer's use account communicates the item identification value to the in-use account at the time the transaction is conducted and is established at the funds Jin Bang. Finally, the fund transaction is executed, and the execution result is broadcast to the blockchain network for synchronization.

Fig. 19 schematically illustrates a flow chart of an application funds transaction processing method according to another embodiment of the disclosure.

Taking a property development company to develop a building as shown in fig. 19, it may include a start-up phase, an initial development phase, a development process, a sales process, etc., and first create a property project account on the blockchain network, which may have funds flowing in or out at each phase. Specifically, operations S1901 to S1906 may be included.

In operation S1901, for example, the real estate development company may obtain a real estate development initial fund for project a through loan, and then the fund may flow into the real estate project account and be identified as project a fund, indicating that it is available only for project a. This link is for the real estate project account where the flow of funds is in. And when funds flow in, judging through application matching modules distributed at all nodes, if the initial funds of real estate development are in the application range of the account, successful transaction, and generating a transaction detail containing account, application, project and other information, otherwise, the transaction fails.

In operation S1902, a construction land transaction related certificate or the like may be purchased, for example, using the initial funds in item a. For the real estate project account, the fund flow direction is the outflow, when the project flows out, whether the funds under the project A are sufficient or not is judged, if the funds are sufficient, the judgment is carried out through the use matching module, if the purchasing construction land transacting related certificate is the use range of the account, the transaction is successful, and meanwhile, a transaction detail containing information of the account, the use, the project and the like is generated and stored in the blockchain network.

In operation S1903, for example, when the initial funds in item a cannot fully support the progress of the subsequent item, the loan may be performed again. Referring to operation S1901, a second real estate development loan fund flows into the real estate project account, the fund being identified as project a fund, which is available only for project a use. For the real estate project account, the fund flow direction is inflow, the project flow direction is judged through the use matching module, if the real estate construction loan is the use range of the account, the transaction is successful, and meanwhile, a transaction detail containing information such as the account, the use, the project and the like is generated and stored in the blockchain network.

In operation S1904, project a uses funds to perform project development related operations (such as civil engineering, installation, and matched engineering, etc.), funds flow from real estate project accounts, the purpose of the flowing funds is judged by the purpose matching module, if the project development related operations belong to the purpose range of the accounts, the transaction is successful, and meanwhile, a transaction detail containing information of accounts, purposes, projects, etc. is generated and stored in the blockchain network. In addition, for example, there may be a company that accepts development of a project, funds flow into an account of the company, and if the charge of the service related to the development of the project falls within the range of use of the account, the transaction is successful.

In operation S1905, project sales related operations (e.g., promotions, plans, material purchases, etc.) may be performed using funds in project a. When funds flow out from an real estate project account, if the project sales related operation belongs to the application range of the account, the transaction is successful, and meanwhile, a transaction detail containing information of the account, the application, the project and the like is generated and stored in a blockchain network.

In operation S1906, a formal sales may be made for the building. The funds outflow account is a personal account or a public account, and the funds inflow account is the real estate project account. In conducting each fund transaction, the usage matching module may be used to verify whether the range of outflow usage of the fund outflow account includes purchasing real estate, and whether the range of inflow usage of the real estate item account includes receiving funds for purchasing real estate. If the verification is successful, the transaction is carried out, meanwhile, transaction details containing account, application, project and other information are generated and stored in the blockchain network.

By utilizing the fund transaction processing method disclosed by the embodiment of the invention, on one hand, the fund use can be standardized. The fund usage matching and the blockchain network are effectively combined, the fund usage direction can be comprehensively mastered and dynamically tracked, the fund standard use is ensured, the fund is limited to be circulated only within a range which accords with the regulations, and illegal use of the fund is prevented. On the other hand, a basis can be provided for fund risk assessment. And through the use condition of funds in each stage, whether the project progress is normal or not is estimated, and a basis is provided for the risk assessment of funds. In yet another aspect, the information that enables funds to flow is highly transparent. The information inquiry on the chain can be used for quickly acquiring funds, so that the communication cost is reduced, and the office efficiency is improved. Finally, a credit basis can be provided for the business of the enterprise. Because the transaction whole-flow information has a real untampered record on the blockchain network, the support on the credit can be provided for the follow-up enterprise service.

Any number of modules, sub-modules, units, sub-units, or at least some of the functionality of any number of the sub-units according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented as split into multiple modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system-on-chip, a system-on-substrate, a system-on-package, an Application Specific Integrated Circuit (ASIC), or in any other reasonable manner of hardware or firmware that integrates or encapsulates the circuit, or in any one of or a suitable combination of three of software, hardware, and firmware. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be at least partially implemented as computer program modules, which when executed, may perform the corresponding functions.

For example, the modules in the funds transaction processing apparatus 1100, the funds transaction processing apparatus 1200, or the funds transaction processing apparatus 1300 may be combined into one module to be implemented, or any one of the modules may be split into a plurality of modules. Alternatively, at least some of the functionality of one or more of the modules may be combined with at least some of the functionality of other modules and implemented in one module. According to embodiments of the present disclosure, at least one of the modules in the funds transaction processing apparatus 1100, the funds transaction processing apparatus 1200, or the funds transaction processing apparatus 1300 may be implemented at least in part as hardware circuitry, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging the circuitry, or in any one of or a suitable combination of three of software, hardware, and firmware. Alternatively, at least one of the modules of the funds transaction processing apparatus 1100, the funds transaction processing apparatus 1200 or the funds transaction processing apparatus 1300 may be implemented at least in part as computer program modules which, when executed, perform the corresponding functions.

Fig. 20 schematically illustrates a block diagram of a computer system suitable for implementing the blockchain-based funds transaction processing methods and apparatus in accordance with embodiments of the present disclosure. The computer system illustrated in fig. 20 is merely an example, and should not be construed as limiting the functionality and scope of use of the embodiments of the present disclosure.

As shown in fig. 20, a computer system 2000 according to an embodiment of the present disclosure includes a processor 2001, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 2002 or a program loaded from a storage section 2008 into a Random Access Memory (RAM) 2003. The processor 2001 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. Processor 2001 may also include on-board memory for caching purposes. Processor 2001 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 2003, various programs and data required for the operation of the system 2000 are stored. The processor 2001, ROM 2002, and RAM 2003 are connected to each other by a bus 2004. The processor 2001 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 2002 and/or the RAM 2003. Note that the program may be stored in one or more memories other than the ROM 2002 and the RAM 2003. The processor 2001 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in one or more memories.

According to an embodiment of the present disclosure, the system 2000 may also include an input/output (I/O) interface 2005, the input/output (I/O) interface 2005 also being connected to the bus 2004. The system 2000 may also include one or more of the following components connected to the I/O interface 2005: an input section 2006 including a keyboard, a mouse, and the like; an output portion 2007 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 2008 including a hard disk and the like; and a communication section 2009 including a network interface card such as a LAN card, a modem, or the like. The communication section 2009 performs communication processing via a network such as the internet. The drive 2010 is also connected to the I/O interface 2005 as needed. A removable medium 2011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 2010 as needed so that a computer program read out therefrom is mounted into the storage section 2008 as needed.

According to embodiments of the present disclosure, the method flow according to embodiments of the present disclosure may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program comprising program code for performing the method shown in the flowcharts. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 2009 and/or installed from the removable medium 2011. The above-described functions defined in the system of the embodiments of the present disclosure are performed when the computer program is executed by the processor 2001. The systems, devices, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

According to embodiments of the present disclosure, program code for performing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, such computer programs may be implemented in high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. Programming languages include, but are not limited to, such as Java, c++, python, "C" or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).

The present disclosure also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement methods in accordance with embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this disclosure, a computer-readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, the computer-readable storage medium may include ROM 2002 and/or RAM 2003 described above and/or one or more memories other than ROM 2002 and RAM 2003.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Claims

1. A blockchain-based funds transaction processing method, wherein a first account is created on a blockchain network, the method comprising:

when the first account receives an application of a funds outflow service, sending a broadcast of the funds outflow service to the blockchain network, wherein the broadcast comprises attribute information and funds outflow information of the first account;

receiving a verification result of the block chain network on the fund outflow information based on a preset fund outflow authority, wherein the fund outflow authority has a corresponding relation with the attribute information of the first account;

executing the funds outflow service to conduct funds transaction when the verification result indicates that the funds outflow information accords with the funds outflow authority;

wherein the fund outflow authority and the attribute information of the first account have a corresponding relation comprising: the funds outflow authority comprises at least one first funds identifier, wherein the first funds identifier characterizes a first funds use after funds outflow preset based on attribute information of the first account.

2. The funds transaction processing method of claim 1, wherein presetting the funds outflow authority comprises:

Assigning a first use identifier to each of the at least one first use;

storing all the first use identifications to the blockchain network to set the funds outflow authority.

3. The funds transaction processing method of claim 2, wherein the blockchain network verifying the funds outflow information includes:

invoking the funds outflow authority based on the attribute information of the first account;

and searching the first use identifier from the funds outflow authority based on a second use identifier, wherein the funds outflow information comprises the second use identifier.

4. A funds transaction processing method according to claim 3, the verification indicating that the funds outflow information corresponds to the funds outflow authority comprising:

and searching the first use identifier matched with the second use identifier.

5. The funds transaction processing method of claim 1, further comprising:

after performing the funds outflow service, information of the funds transaction is stored to the blockchain network.

6. The funds transaction processing method of claim 1, wherein the attribute information of the first account includes:

At least one of a first user identification, a first type identification, and at least one first item identification.

7. The funds transaction processing method of claim 6, wherein the funds outflow information comprises:

the first item identification of a first funds in the funds outflow service.

8. A blockchain-based funds transaction processing method, wherein a second account is created on a blockchain network, the method comprising:

receiving a broadcast of a funds inflow service flowing into the second account, wherein the broadcast comprises attribute information of the second account and funds inflow information;

receiving a verification result of the funds inflow information by the blockchain network based on a preset funds inflow authority, wherein the funds inflow authority has a corresponding relation with the attribute information of the second account;

executing the funds inflow service to conduct funds transaction when the verification result shows that the funds inflow information accords with the funds inflow rights;

wherein the fund inflow right and the attribute information of the second account have a corresponding relation comprising: the funds inflow authority includes at least one third use identifier, each of which characterizes a second funds use of the inflow funds preset based on the attribute information of the second account.

9. The funds transaction processing method of claim 8, wherein the performing the funds inflow service to conduct a funds transaction comprises:

binding a second funds in the funds inflow service with a second item identification, wherein the funds inflow information includes the second item identification;

and setting the funds outflow authority of the second account based on the second item identifier.

10. The funds transaction processing method of claim 8, wherein presetting the funds inflow authority comprises:

assigning a third use identifier to each of the at least one second use;

storing all of the third use identifications to the blockchain network to set the funds inflow authority.

11. The funds transaction processing method of claim 10, wherein the blockchain network verifying the funds inflow information comprises:

invoking the funds inflow authority based on the attribute information of the second account;

and searching the third use identifier from the funds inflow authority based on the fourth use identifier, wherein the funds inflow information comprises the third use identifier.

12. The funds transaction processing method of claim 11, the verification indicating that the funds inflow information corresponds to funds inflow authority comprising:

and searching the third use identifier matched with the fourth use identifier.

13. The funds transaction processing method of claim 8, further comprising:

after the funds inflow service is performed, information of the funds transaction is stored to the blockchain network.

14. The funds transaction processing method of claim 8, wherein the attribute information of the second account includes:

at least one of a second user identification, a second type identification and at least one third item identification.

15. A blockchain-based funds transaction processing apparatus in which a first account is created on a blockchain network, the apparatus comprising:

the service broadcasting module is used for sending broadcasting of the funds outflow service to the blockchain network when the first account receives the application of the funds outflow service, wherein the broadcasting comprises attribute information and funds outflow information of the first account;

the first receiving module is used for receiving a verification result of the capital outflow information by the blockchain network based on a preset capital outflow authority, wherein the capital outflow authority has a corresponding relation with the attribute information of the first account;

The first execution module is used for executing the funds outflow service to conduct funds transaction when the verification result shows that the funds outflow information accords with the funds outflow right;

16. A blockchain-based funds transaction processing apparatus in which a second account is created on a blockchain network, the apparatus comprising:

a second receiving module, configured to receive a broadcast of a funds inflow service that flows into the second account, where the broadcast includes attribute information and funds inflow information of the second account;

the third receiving module is used for receiving a verification result of the funds inflow information by the blockchain network based on a preset funds inflow authority, wherein the funds inflow authority has a corresponding relation with the attribute information of the second account;

the second execution module is used for executing the fund inflow service to conduct fund transaction when the verification result shows that the fund inflow information accords with the fund inflow right;

17. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-7 or any of claims 8-14.

18. A computer readable storage medium having stored thereon computer executable instructions which when executed by a processor cause the processor to perform the method according to any of claims 1 to 7 or any of claims 8 to 14.