CN115221246A

CN115221246A - Transaction certificate chaining method and device, equipment, medium and product thereof

Info

Publication number: CN115221246A
Application number: CN202210857746.9A
Authority: CN
Inventors: 罗锦旭; 张亮; 张强龙
Original assignee: Shenzhen Qianhai Huanrong Lianyi Information Technology Service Co Ltd
Current assignee: Shenzhen Qianhai Huanrong Lianyi Information Technology Service Co Ltd
Priority date: 2022-07-20
Filing date: 2022-07-20
Publication date: 2022-10-21

Abstract

The application discloses a transaction certificate chaining method, a device, computer equipment and a storage medium, comprising the following steps: collecting transaction data generated by transaction behavior of a transaction node associated user; based on the transaction data, the transaction node generates a transaction voucher recording the transaction data; according to a preset transaction rule, the transaction node generates a first transaction request corresponding to the transaction certificate; the transaction node sends the first transaction request and the transaction voucher to a third party transaction node through a main chain network; and the third party transaction node carries out credential transaction with the transaction node according to the first transaction request and the transaction credential. By linking the real transaction behaviors of the associated users, the defect that the block chain finance is not supported by physical value is overcome, and the block chain finance is mapped to a real value system.

Description

Transaction certificate chaining method and device, equipment, medium and product thereof

Technical Field

The present invention relates to blockchain domains, and more particularly, to a method and system for linking transaction credentials and a computer storage medium.

Background

The bill is taken as a traditional financial tool rooted in trade activities, gradually grows into the most representative financial tool in the trade financing field in the evolution development of hundreds of years, and plays an irreplaceable role in facilitating the exchange, payment, settlement and financing of enterprises. With the establishment and the improvement of the infrastructure of the bill market, the bill market is changed from the traditional mode of taking paper tickets as main materials, dividing areas, having opaque information and low transaction efficiency to the unified, safe and efficient electronic bills with centralized and transparent information.

The inventor of the invention finds in research that the bill financial products adopt centralized services to display the circulation of bills, all financial bills and circulation information of users are stored in a database based on a common server, so that the bill assets of the users are not in the mastery of the users, once the server is attacked or a control party clears the database, the users suffer great loss, and therefore, the products or the services have high risk.

Disclosure of Invention

The invention aims to provide a transaction certificate chaining method, a system and a computer storage medium, which at least solve the problem of high risk of the conventional bill circulation.

To solve the above technical problem, the present invention provides a method for chaining transaction credentials, comprising:

collecting transaction data generated by transaction behavior of a transaction node associated user;

based on the transaction data, the transaction node generates a transaction voucher recording the transaction data;

according to a preset transaction rule, the transaction node generates a first transaction request corresponding to the transaction certificate;

the transaction node sends the first transaction request and the transaction voucher to a third-party transaction node through a main chain network;

and the third party transaction node carries out credential transaction with the transaction node according to the first transaction request and the transaction credential.

Optionally, the third party transaction node includes a user node, and performing, by the third party transaction node, credential transaction with the transaction node according to the first transaction request and the transaction credential includes:

the user node generates a first transaction decision instruction according to the first transaction request;

according to the first transaction decision instruction and the transaction certificate, transaction settlement is carried out on wallet data of the user node and the transaction node, and transaction settlement contents are recorded in a transaction ledger of a billing node;

generating a first block including the transaction settlement content from the transaction ledger.

Optionally, the third-party transaction node further includes a central node, and after generating the first block including the transaction settlement content according to the transaction ledger, the third-party transaction node includes:

the user node sends a second transaction request and the transaction certificate to the central node;

the central node generates a second transaction decision instruction according to the second transaction request;

according to the second transaction decision instruction and the transaction voucher, the wallet of the central node performs financial settlement on the wallet of the user node, and records the financial settlement content in a transaction book of a bookkeeping node;

generating a second block including the financial settlement content from the transaction ledger.

Optionally, the third party transaction node further includes a clearing node, and after generating the first block including the transaction settlement content according to the transaction ledger, the third party transaction node includes:

the user node sends a third transaction request and the transaction certificate to the cashing node;

the cashing node reads the cashing condition recorded in the transaction voucher according to the third transaction request;

when the cashing condition is achieved, based on the transaction certificate, the wallet of the cashing node carries out cashing settlement to the wallet of the user node, and records the content of the cashing settlement in a transaction book of an accounting node;

and generating a third block comprising the contents of the clearing settlement according to the transaction book.

Optionally, after generating the second block including the financial settlement content according to the transaction book, the method further includes:

the central node sends a fourth transaction request and the transaction voucher to the cashing node;

the cashing node reads the cashing condition recorded in the transaction voucher according to the fourth transaction request;

when the cashing condition is achieved, based on the transaction certificate, the wallet of the cashing node carries out cashing settlement to the wallet of the central node, and records the content of the cashing settlement in a transaction book of an accounting node;

and generating a fourth block comprising the contents of the clearing settlement according to the transaction book.

Optionally, the collecting transaction data generated by the transaction node associating with a user to perform a transaction action includes:

collecting transaction behaviors of the associated user;

according to the transaction behavior, activating a data acquisition container corresponding to the transaction behavior;

collecting a transaction state of the transaction behavior through the data collection container;

when the transaction state represents that the transaction action is completed, the data collection container collects transaction data generated by the transaction action.

Optionally, the collecting, by the data collection container, the transaction state of the transaction behavior includes:

configuring an external interface of the data acquisition container based on a preset container orchestrator;

the data acquisition container calls an initial transaction state of the transaction behavior through the external interface;

dynamically adjusting the calling frequency of the data acquisition container for calling the external interface according to the initial transaction state;

and continuously collecting the transaction state of the transaction behavior by the data collection container according to the calling frequency.

Optionally, the generating, by the transaction node, a transaction credential describing the transaction data based on the transaction data includes:

obtaining dispute data generated by the transaction behavior;

generating a transaction voucher of the transaction node according to the transaction data and the dispute data;

and writing the dispute content and the dispute result represented by the dispute data into the transaction voucher.

To solve the above technical problem, an embodiment of the present invention further provides a transaction voucher linking apparatus, including:

the acquisition module is used for acquiring transaction data generated by transaction behaviors of the transaction node associated with the user;

the processing module is used for generating a transaction certificate recording the transaction data by the transaction node based on the transaction data;

the request module is used for generating a first transaction request corresponding to the transaction certificate by the transaction node according to a preset transaction rule;

the sending module is used for sending the first transaction request and the transaction certificate to a third party transaction node through a main chain network by the transaction node;

and the execution module is used for carrying out certificate transaction with the transaction node by the third-party transaction node according to the first transaction request and the transaction certificate.

Optionally, the third party transaction node is a user node, and the execution module is further configured to:

according to the first transaction decision instruction and the transaction voucher, transaction settlement is carried out on wallet data of the user node and the transaction node, and transaction settlement contents are recorded in a transaction book of a billing node;

Optionally, the third party transaction node further includes a central node, and the execution module is further configured to:

Optionally, the third party transaction node further comprises a redemption node, and the execution module is further configured to:

Optionally, the execution module is further configured to:

Optionally, the acquisition module is further configured to:

collecting transaction behaviors of the associated user;

Optionally, the acquisition module is further configured to:

configuring an external interface of the data acquisition container based on a preset container organizer;

Optionally, the processing module is further configured to:

obtaining dispute data generated by the transaction behavior;

In order to solve the above technical problem, an embodiment of the present invention further provides a computer apparatus, including a memory and a processor, where the memory stores computer-readable instructions, and the computer-readable instructions, when executed by the processor, cause the processor to execute the steps of the transaction credential chaining method.

The present invention also provides a storage medium storing computer-readable instructions, which when executed by one or more processors, cause the one or more processors to perform the steps of the above-mentioned method for uplink transaction voucher.

The beneficial effects of the inventive embodiment are as follows: the financial actions characterized in the transaction data are converted into transaction credentials in the financial instrument by collecting transaction data generated by associated user transaction actions having an association with the transaction node. The transaction voucher can be spread on the blockchain with the corresponding first transaction request, and can also carry out financial transaction by a third-party transaction node specified by the first transaction request. By the method, the circulation and the storage of the transaction voucher are publicized and the block storage is certified, so that the risk of bill loss caused by centralized service is avoided, and the safety of bill circulation and storage is improved. By linking the real transaction behaviors of the associated users, the defect that the block chain finance is not supported by physical value is overcome, and the block chain finance is mapped to a real value system.

Drawings

The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

FIG. 1 is a basic flowchart of a transaction voucher chaining method according to one embodiment of the present application;

FIG. 2 is a schematic diagram illustrating a basic architecture of a transaction voucher uplink device according to an embodiment of the present application;

fig. 3 is a block diagram of a basic structure of a computer device according to an embodiment of the present application.

Detailed Description

Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.

As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It will be understood by those within the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.

As used herein, a "terminal" includes both devices that are wireless signal receivers, devices that have only wireless signal receivers without transmit capability, and devices that have receive and transmit hardware, devices that have receive and transmit hardware capable of performing two-way communication over a two-way communication link, as will be understood by those skilled in the art. Such a device may include: a cellular or other communications device having a single line display or a multi-line display or a cellular or other communications device without a multi-line display; PCS (Personal Communications Service), which may combine voice, data processing, facsimile and/or data communication capabilities; a PDA (Personal Digital Assistant), which may include a radio frequency receiver, a pager, internet/intranet access, a web browser, a notepad, a calendar and/or a GPS (Global Positioning System) receiver; a conventional laptop and/or palmtop computer or other device having and/or including a radio frequency receiver. As used herein, a "terminal" may be portable, transportable, installed in a vehicle (aeronautical, maritime, and/or land-based), or situated and/or configured to operate locally and/or in a distributed fashion at any other location(s) on earth and/or in space. The "terminal" used herein may also be a communication terminal, a Internet access terminal, and a music/video playing terminal, and may be, for example, a PDA, an MID (Mobile Internet Device), and/or a Mobile phone with music/video playing function, and may also be a smart television, a set-top box, and other devices.

The hardware referred to by the names "server", "client", "service node", etc. is essentially an electronic device with the performance of a personal computer, and is a hardware device having necessary components disclosed by the von neumann principle such as a central processing unit (including an arithmetic unit and a controller), a memory, an input device, an output device, etc., a computer program is stored in the memory, and the central processing unit calls a program stored in an external memory into the internal memory to run, executes instructions in the program, and interacts with the input and output devices, thereby completing a specific function.

It should be noted that the concept of "server" as referred to in this application can be extended to the case of a server cluster. According to the network deployment principle understood by those skilled in the art, the servers should be logically divided, and in physical space, the servers can be independent of each other but can be called through an interface, or can be integrated into a physical computer or a set of computer clusters. Those skilled in the art will appreciate this variation and should not be so limited as to restrict the implementation of the network deployment of the present application.

One or more technical features of the present application, unless expressly specified otherwise, may be deployed to a server to implement access by a client remotely invoking an online service interface provided by a fetch server, or may be deployed directly and run on a client to implement access.

Unless specified in clear text, the neural network model referred to or possibly referred to in the application can be deployed in a remote server and used for remote call at a client, and can also be deployed in a client with qualified equipment capability for direct call.

Various data referred to in the present application may be stored in a server remotely or in a local terminal device unless specified in the clear text, as long as the data is suitable for being called by the technical solution of the present application.

The person skilled in the art will know this: although the various methods of the present application are described based on the same concept so as to be common to each other, they may be independently performed unless otherwise specified. In the same way, for each embodiment disclosed in the present application, it is proposed based on the same inventive concept, and therefore, concepts of the same expression and concepts of which expressions are different but are appropriately changed only for convenience should be equally understood.

The embodiments to be disclosed herein can be flexibly constructed by cross-linking related technical features of the embodiments unless the mutual exclusion relationship between the related technical features is stated in the clear text, as long as the combination does not depart from the inventive spirit of the present application and can meet the needs of the prior art or solve the deficiencies of the prior art. Those skilled in the art will appreciate variations therefrom.

Referring to fig. 1, fig. 1 is a basic flow chart illustrating a transaction voucher chaining method according to the present embodiment.

As shown in fig. 1, includes:

s1100, collecting transaction data generated by transaction behaviors of a transaction node associated user;

in this embodiment, the transaction node is a terminal, a virtual machine, or a container used by the blockchain user for login. The users characterized by the transaction nodes can be individual users as well as enterprise users.

The associated user is actually a blockchain user, however, the range of users that the associated user includes is not limited thereto, and in some embodiments, the associated user can also be other users that the blockchain user specifies to be associated with.

The transaction activity can be an online transaction activity performed by the associated user, such as a reservation, purchase, or sale activity by the user at a transaction counter. However, the trading behavior is not limited to this, and according to different application scenarios, in some embodiments, the trading behavior can be an offline trade associated with the user, and various orders, contracts, or tickets of the offline trade can be used as the trading data generated by the trading behavior.

The transaction data may be a financial instrument, such as a money order, a cashier's ticket, or a check, generated by the transaction. The transaction data includes content that is not limited to this, and in some embodiments, the transaction data includes, depending on the particular application scenario: identity information of both parties or multiple parties of the transaction, the amount of the transaction, the time limit of transaction payment and the like. The transaction data can be obtained by calling a transaction record, identifying a contract, identifying a bill, and the like.

In some embodiments, the transaction behavior of the associated user is an online transaction, and the corresponding transaction data is obtained by reading the transaction content of the online account corresponding to the associated user.

Whether a transaction list is newly established in the online account is identified by monitoring the online account corresponding to the associated user, if the fact that a new transaction list is established in the online account is monitored, the associated user is indicated to perform a new transaction action, and at the moment, the transaction list corresponding to the transaction action is read.

After reading the transaction list, the transaction node needs to establish a data collection container for independently monitoring the transaction behavior for a long time. The data acquisition container is established in a terminal where a transaction node is located or a remote control server or a cloud end in a pre-established mode, the data acquisition container before being activated is in a standby state, the data acquisition container starts to operate after being activated, and after a webpage or other access addresses of an acquired object are sent to the activated data acquisition container, the data acquisition container continuously tracks and monitors the transaction behavior.

After the data collection container tracks and monitors a trading list of trading behaviors, it needs to read a trading state field about the trading behavior in the trading list, and the trading state is used to characterize that the trading behavior is proceeding to that stage, for example, when the trading behavior is an e-commerce trade order, the trading state can be: the method comprises the following steps of ordering by a user, delivering by a merchant, transporting by express delivery, receiving by a user to be signed by the user, and the like.

And when the transaction semantics represented by the transaction state are the transaction behavior completion, the data acquisition container extracts the transaction data in the transaction list according to a set data format.

In some embodiments, in order to reasonably adjust the monitoring frequency of the data collection container for monitoring the account on the line, the calling frequency of the data collection container for calling the external interface needs to be dynamically adjusted. External interface belongs to public network resource, when transaction node need be through a plurality of data acquisition container control a plurality of online accounts, an external interface probably will be called by a plurality of data acquisition container in turn, consequently, the frequency of calling of every data acquisition container external interface of dynamic adjustment can realize external interface's load balance, simultaneously, also can make an external interface dock more data acquisition containers, improves public resource's effective use efficiency.

Specifically, the data acquisition container requires the container organizer to configure an external interface for the data acquisition container, and when the data acquisition container needs to be externally connected to acquire transaction list data of an online account, the container organizer allocates an external interface capable of being externally connected to the data acquisition container. The data acquisition container acquires a transaction list or transaction data by calling the external interface.

When the data acquisition container accesses the online account of the associated user through the external interface for the first time, the online account transaction list is read, and then the data acquisition container acquires the initial transaction state in the transaction list. Since the transaction list is read for the first time, the read transaction state is the initial transaction state of the transaction behavior.

And after the initial transaction state is read, identifying the semantic expression or mapping state stage of the initial transaction state. If the transaction state represented by the initial transaction state is that the transaction just starts, the calling frequency of the external interface is called by the data acquisition container is smaller; and if the transaction state represented by the initial transaction state is that the transaction is about to end, increasing the calling frequency of the data acquisition container for calling the external interface. In this embodiment, a transaction flow corresponding to the whole transaction behavior is pre-constructed, and the transaction state is matched with each node in the transaction flow, so that the transaction state can be determined in the section in the transaction flow. In some embodiments, the historical data is counted to obtain the time length of each process node from the final node in each transaction behavior, the calling frequency of the data acquisition container for calling the external interface is dynamically adjusted according to the time length, the calling frequencies corresponding to different time lengths are pre-established, and the calling frequency of the data acquisition container for subsequently calling the external interface is obtained according to the specific time length.

After the calling frequency of the external interface called by the data acquisition container is determined, the data acquisition container calls the external interface according to the calling frequency, and reads the transaction state of the transaction behavior at intervals until the transaction state represents the completion or termination of the transaction behavior.

S1200, based on the transaction data, the transaction node generates a transaction certificate recording the transaction data;

and after the transaction data is read, the transaction node generates transaction certificates recording the transaction data, specifically, a data format of the transaction certificate corresponding to each type of transaction behavior is established, after the transaction data is read, the data content in the transaction data is read according to the corresponding data format, and the data content is typeset according to the data format to generate the corresponding transaction certificate.

In some embodiments, each transaction is not necessarily completely fulfilled, and some transaction may dispute during the transaction, which may result in a final transaction result different from the original transaction structure, and therefore, when the transaction data is read, the dispute data corresponding to the transaction needs to be read. The dispute data states (without limitation): dispute reasons, dispute results, final payment mode of dispute, payment object and payment amount. For example, during a transaction, after the transaction is partially fulfilled, the parties terminate the fulfillment transaction, at which point the dispute data indicates that the transaction requires payment in percentages. In some embodiments, in the case of a partial transaction dispute with a failure, the dispute data may need to be determined according to the established transaction contract or the referee arbitration file.

And after the dispute data is obtained, generating a node certificate of the transaction node according to the transaction data and the dispute data. For example, after the transaction is partially fulfilled, both parties terminate the fulfillment transaction, at this time, the dispute data represents that the transaction action needs to be paid by percentage, and at this time, the transaction voucher is generated by combining the transaction data and the settlement ratio represented by the dispute data. For disputes caused by partial damage, the transaction content in the transaction data needs to be cleared, and then, the payment data in the dispute data generates a transaction voucher.

After generating a transaction voucher according to the transaction data and the dispute data, data representing dispute contents and dispute results in the dispute data needs to be stored, and the storage mode is as follows: the dispute content and the dispute result are written into the transaction voucher to be used as an endorsement of the transaction voucher, so that the dispute is conveniently recorded. Because the transaction voucher finally becomes a block for distributed recording, and part of the dispute content related to privacy cannot be disclosed, the dispute content and the dispute result need to be encrypted by the transaction voucher, the encryption is encrypted by adopting a public key, a decryption private key is stored in a wallet of a transaction node, when other transaction nodes check the dispute content, a request needs to be sent to the transaction node in a point-to-point manner, and after the transaction nodes agree, the transaction node sends the private key to the request node to decrypt the encrypted content. By the method, distributed storage of the transaction certificates can be achieved, and safety of private data can be guaranteed.

S1300, according to a preset transaction rule, the transaction node generates a first transaction request corresponding to the transaction certificate;

the embodiment is provided with transaction rules, and the transaction rules record transaction certificates to perform different types of financial activities or the types of financial transactions which can be performed when different types of third-party transaction nodes are targeted. For example, when the third-party transaction node selected by the transaction node is a conventional transaction node, the transaction rule defines that the third-party transaction node intelligently performs equal-amount deduction, namely the transaction node gives ownership of the transaction certificate to the third-party transaction node, and the third-party transaction node can only pay equal-amount or equal-value digital tokens to the transaction node according to the amount of money on the transaction certificate.

Thus, the transaction rules pre-construct the types of financial transactions that the transaction credentials can conduct and define the financial transactions that can be conducted while at different third party transaction nodes. After a user of the transaction node selects a third-party transaction node and a corresponding financial transaction mode, a first transaction request needs to be generated according to the third-party transaction node and the financial transaction mode selected by the user. The first transaction request records the link address of the third party transaction node, the type of transaction to be performed and the transaction certificate itself.

S1400, the transaction node sends the first transaction request and the transaction certificate to a third party transaction node through a main chain network;

and after the transaction node selects a third-party transaction node needing transaction, writing the access address of the selected third-party transaction node into a first transaction request, and sending the first transaction request to the third-party transaction node point to point through a main chain network.

The main-chain network in this embodiment is a public-chain network, for example, an etherhouse. However, the backbone network is not limited thereto, and in some embodiments, the backbone network can also be: private or federated.

And S1500, the third party transaction node conducts certificate transaction with the transaction node according to the first transaction request and the transaction certificate.

After receiving the first transaction request and the transaction voucher sent by the transaction node, the third-party transaction node needs to determine the type of transaction to be carried out according to the first transaction request, and then determines the financial transaction mode according to the type of transaction.

In some embodiments, the third party transaction node is a conventional user node. For the transaction voucher, an equal payment is made. For example, if the transaction voucher records a digital token with a transaction amount of 10 units, the user node needs to pay the digital token with 10 units of the transaction node to purchase ownership of the transaction voucher. In some embodiments, the user node can also pay the digital token by discount, for example, the transaction voucher records a digital token with a transaction amount of 10 units, and the user node can buy ownership of the transaction voucher by 9 discount, that is, by paying the digital token by 9 units to the transaction node. It should be noted that the user has a need to agree on the discount for the purchase with the transaction node. In some embodiments, the user node has the right to redeem a discount that requires approval by an application. The node is applied for sending broadcast to user nodes on other chains by the user nodes, after receiving a broadcast request, the other user nodes collect transaction information of transactions with the user nodes in a private block, trust election is carried out on the user nodes respectively based on the transaction information, and finally whether the user nodes can have discount and redemption authority is determined based on the election result of each user node.

It should be noted that the transaction node and the user node in this embodiment can be the same type of node. The transaction certificate generation node can be used as a generation node of the transaction certificate and can also be used as a third-party transaction node for exchanging the transaction certificate.

After receiving a first transaction request sent by a transaction node, a user node selects whether to approve the transaction according to the content of the first transaction request, and after the user of the user node independently selects, a first transaction decision instruction is sent to the user node, wherein the first transaction decision instruction represents that the user approves the first transaction request of the transaction node.

After the user node determines ownership of the purchase transaction voucher according to the first transaction decision finger, corresponding amount needs to be deducted from the wallet of the user node according to the amount of the transaction voucher, and corresponding amount is added to the wallet of the transaction node. After the transaction is completed, the transaction is collected by the accounting node in the area where the user node is located, and is recorded in the transaction book.

When a time node needing block generation is reached in the block chain, block calculation is carried out according to the contents of a transaction book of the accounting node within a set time limit to generate a first block.

In some embodiments, the user node, upon receiving the transaction credential, is further capable of sending the transaction credential to the central node for a transaction. The user node sends the second transaction request and the transaction credential to the central node.

The third party transaction node also comprises a central node, wherein the central node is a node established by an organization with financial attributes in the block chain and can perform financial settlement such as mortgage, pledge and the like on the transaction voucher.

And after receiving a second transaction request sent by the user node, the central node selects whether to approve the transaction according to the content of the second transaction request, and after the user of the central node autonomously selects, a second transaction decision instruction is sent to the central node, wherein the second transaction decision instruction represents that the user approves the second transaction request of the user node.

After determining the financial transaction type and mode proposed by the receiving transaction node according to the second transaction decision finger, the central node calculates the transaction amount to be settled according to the transaction mode set in the second transaction request and the amount recorded in the transaction voucher, deducts the corresponding amount from the wallet of the central node, and adds the corresponding amount to the wallet of the user node. After the transaction is completed, the transaction is collected by the accounting node in the area where the central node is located, and is recorded in the transaction book.

And when the block chain reaches a time node needing block generation, performing block calculation according to the transaction book content of the accounting node within the set time limit to generate a second block.

In some embodiments, the user node, upon receiving the transaction credential, is further capable of sending the transaction credential to the redemption node for redemption. The user node sends a third transaction request and transaction credentials to the redemption node.

The third party transaction node further comprises a cashing node, wherein the cashing node is an actual payment node of transaction behaviors of the transaction node, for example, the transaction node is a seller in the transaction, and the cashing node is a buyer in the transaction. The transaction voucher is set with a redemption condition at the time of transaction, for example, a redemption condition set in advance such as a redemption time and a redemption place.

And after receiving a third transaction request sent by the user node, the cashing node reads the cashing condition in the transaction voucher according to the third transaction request.

After the redemption condition is read, the redemption node reads redemption information in the third transaction request, for example, the time of sending the third transaction request, the address of the transaction node carried by the third transaction request, and other field information corresponding to the redemption condition, and then matches the information with the set redemption condition, if the matching is successful, the transaction voucher can be redeemed, otherwise, the transaction voucher cannot be redeemed.

When the cashing condition is achieved, the cashing node carries out cashing settlement to the user node based on the transaction amount recorded in the transaction certificate. And when in cashing settlement, deducting corresponding amount from the wallet of the cashing node, and adding corresponding amount in the wallet of the user node. After the transaction is completed, the transaction is collected by the accounting node in the region where the cashing node is located, and is recorded in the transaction book.

And when a time node needing block generation is reached in the block chain, block calculation is carried out according to the transaction book content of the accounting node within the set time limit to generate a third block.

In some embodiments, redemption is performed by the central node to a redemption node. The central node sends the fourth transaction request and the transaction certificate to the redemption node.

And after receiving a fourth transaction request sent by the user node, the cashing node reads the cashing condition in the transaction certificate according to the fourth transaction request.

After the cashing condition is read, the cashing node reads the cashing information in the fourth transaction request, then the cashing information is matched with the set cashing condition, if the matching is successful, the transaction certificate can be cashed, otherwise, the transaction certificate cannot be cashed.

When the cashing condition is achieved, the cashing node carries out cashing settlement to the central node based on the transaction amount recorded in the transaction voucher. And when in cashing settlement, deducting corresponding amount from the wallet of the cashing node, and adding corresponding amount in the wallet of the central node. After the transaction is completed, the transaction is collected by the accounting node in the region where the cashing node is located, and is recorded in the transaction book.

And when the block chain reaches a time node needing block generation, block calculation is carried out according to the transaction book content of the accounting node within the set time limit to generate a fourth block.

In this embodiment, the first block, the second block, the third block and the fourth block are different in block type, and all belong to blocks of the chain for the sake of readability of reading.

The relationship between the transaction node, the user node, the central node and the redemption node is illustrated by way of example. Assume that in a supply chain financial system: the enterprise A represents a transaction node, the enterprise B represents a user node and the financial institution represents a central node, and the user node represents a cash node. When the enterprise A and the core enterprise perform offline transaction, the enterprise A generates a transaction certificate, and the enterprise A resells the transaction certificate to the enterprise B in the block chain. The enterprise B can transact with the financial institution again after obtaining the transaction voucher, and can also require to cash the transaction voucher to the core enterprise after the condition of the transaction voucher is achieved. After the financial institution obtains the transaction certificate, the financial institution can also require the core enterprise to cash the transaction certificate after the condition of the transaction certificate is fulfilled. The transaction credentials are all performed in a blockchain.

In the above embodiment, the financial behavior characterized in the transaction data is converted into the transaction voucher in the financial instrument by collecting the transaction data generated by the associated user transaction behavior having an association with the transaction node. The transaction voucher can be spread on the blockchain with the corresponding first transaction request, and can also carry out financial transaction on a third-party transaction node designated by the first transaction request. By the method, the circulation and the storage of the transaction voucher are publicized and the block storage is certified, so that the risk of bill loss caused by centralized service is avoided, and the safety of bill circulation and storage is improved. By linking the real transaction behaviors of the associated users, the defect that the block chain finance is not supported by physical value is overcome, and the block chain finance is mapped to a real value system.

In some embodiments, the third party transaction node is a user node. Specifically, S1500 includes:

s1511, the user node generates a first transaction decision instruction according to the first transaction request;

the third party transaction node is a conventional user node. For the transaction voucher, an equal payment is made. For example, if the transaction voucher records a digital token with a transaction amount of 10 units, the user node needs to pay the digital token with 10 units to the transaction node to purchase ownership of the transaction voucher. In some embodiments, the user node can also pay the digital token by discount, for example, the transaction voucher records a digital token with a transaction amount of 10 units, and the user node can buy ownership of the transaction voucher by 9 discount, that is, by paying the digital token by 9 units to the transaction node. It should be noted that the user has a need to agree on the discount for the purchase with the transaction node. In some embodiments, the user node has the right to redeem a discount that requires approval by the application. The node is applied for sending broadcast to user nodes on other chains by the user nodes, after receiving a broadcast request, the other user nodes collect transaction information of transactions with the user nodes in a private block, trust election is carried out on the user nodes respectively based on the transaction information, and finally whether the user nodes can have discount and redemption authority is determined based on the election result of each user node.

After receiving a first transaction request sent by a transaction node, a user node selects whether to approve the transaction according to the content of the first transaction request, and after the user of the user node autonomously selects, a first transaction decision instruction is sent to the user node, wherein the first transaction decision instruction represents that the user approves the first transaction request of the transaction node.

S1512, performing transaction settlement on the wallet data of the user node and the transaction node according to the first transaction decision instruction and the transaction certificate, and recording transaction settlement contents in a transaction account book of a billing node;

after the user node determines ownership of the purchase transaction certificate according to the first transaction decision finger, corresponding money needs to be deducted from a wallet of the user node according to the money of the transaction certificate, and corresponding money is added to the wallet of the transaction node. After the transaction is completed, the transaction is collected by the accounting node in the area where the user node is located, and is recorded in the transaction book.

S1513, generating a first block including the transaction settlement content according to the transaction ledger.

In some embodiments, the third party trading node is a central node. Specifically, S1513 is followed by:

s1521, the user node sends a second transaction request and the transaction certificate to the central node;

after receiving the transaction voucher, the user node can also send the transaction voucher to the central node for transaction. The user node sends the second transaction request and the transaction credential to the central node.

S1522, the central node generates a second transaction decision instruction according to the second transaction request;

S1523, according to the second transaction decision instruction and the transaction certificate, the wallet of the central node performs financial settlement on the wallet of the user node, and records the financial settlement content in a transaction book of a bookkeeping node;

S1524, generating a second block including the financial settlement content according to the transaction ledger.

And when the block chain reaches a time node needing block generation, performing block calculation according to the transaction ledger content of the accounting node within a set time limit to generate a second block.

In some embodiments, the third party transaction node is a redemption node. Specifically, S1513 is followed by:

s1531, the user node sends a third transaction request and the transaction certificate to the cash node;

after receiving the transaction certificate, the user node can also send the transaction certificate to the cashing node for cashing. The user node sends a third transaction request and transaction credentials to the redemption node. The third party transaction node further comprises a cashing node, wherein the cashing node is an actual payment node of transaction behaviors of the transaction node, for example, the transaction node is a seller in the transaction, and the cashing node is a buyer in the transaction. The transaction voucher is set with a redemption condition at the time of transaction, for example, a redemption condition set in advance such as a redemption time and a redemption place.

S1532 the cashing node reads the cashing condition recorded in the transaction voucher according to the third transaction request;

and after receiving a third transaction request sent by the user node, the cashing node reads the cashing condition in the transaction voucher according to the third transaction request. After the redemption condition is read, the redemption node reads redemption information in the third transaction request, for example, the time of sending the third transaction request, the address of the transaction node carried by the third transaction request, and other field information corresponding to the redemption condition, and then matches the information with the set redemption condition, if the matching is successful, the transaction voucher can be redeemed, otherwise, the transaction voucher cannot be redeemed.

S1533, when the cashing condition is achieved, based on the transaction voucher, the wallet of the cashing node carries out cashing settlement to the wallet of the user node, and records the content of the cashing settlement in a transaction account book of an accounting node;

when the cashing condition is achieved, the cashing node carries out cashing settlement to the user node based on the transaction amount recorded in the transaction voucher. And when in cashing settlement, deducting corresponding amount from the wallet of the cashing node, and adding corresponding amount in the wallet of the user node. After the transaction is completed, the transaction is collected by the accounting node in the region where the cashing node is located, and is recorded in the transaction book.

And S1534, generating a third block comprising the contents of the clearing settlement according to the transaction ledger.

In some embodiments, redemption is performed by the central node to a redemption node. S1224, then includes:

s1541, the central node sends a fourth transaction request and the transaction voucher to the cashing node;

the central node sends the fourth transaction request and the transaction certificate to the cashing node.

S1542, the cashing node reads cashing conditions recorded in the transaction voucher according to the fourth transaction request;

S1543, when the cashing condition is fulfilled, based on the transaction voucher, the wallet of the cashing node carries out cashing settlement to the wallet of the central node, and the content of the cashing settlement is recorded in a transaction account book of an accounting node;

S1544, generating a fourth block including the clearing settlement content according to the transaction ledger.

When the cashing condition is achieved, the cashing node carries out cashing settlement to the central node based on the transaction amount recorded in the transaction certificate. And when in cashing settlement, deducting corresponding amount from the wallet of the cashing node, and adding corresponding amount in the wallet of the central node. After the transaction is completed, the transaction is collected by the accounting node in the region where the cashing node is located, and is recorded in the transaction book.

In some embodiments, the collection of transaction data requires collection by a container. Specifically, S1100 includes:

s1110, collecting transaction behaviors of the associated user;

and performing online transaction on the transaction behavior of the associated user, and reading the transaction content of the online account corresponding to the associated user to obtain corresponding transaction data.

S1120, activating a data acquisition container corresponding to the transaction behavior according to the transaction behavior;

after reading the transaction list, the transaction node needs to establish a data collection container for independently monitoring the transaction behavior for a long time. The data acquisition container is established in a terminal where a transaction node is located or a remote control server or a cloud end in a pre-constructed mode, the data acquisition container is in a standby state before being activated, the data acquisition container starts to operate after being activated, and the data acquisition container continuously tracks and monitors the transaction behavior after transmitting a webpage or other access addresses of an acquired object to the activated data acquisition container.

S1130, collecting the transaction state of the transaction behavior through the data collection container;

S1140, when the transaction state represents that the transaction behavior is completed, the data collection container collects transaction data generated by the transaction behavior.

In some embodiments, acquisition of the transaction state requires dynamic acquisition. Specifically, S1130 includes:

s1131, configuring an external interface of the data acquisition container based on a preset container organizer;

the data acquisition container needs the container organizer to configure an external interface for the data acquisition container, and when the data acquisition container needs to be externally connected to acquire transaction list data of the online account, the container organizer allocates an external interface capable of being externally connected to the data acquisition container. The data acquisition container acquires the transaction list or the transaction data by calling the external interface.

S1132, the data acquisition container calls an initial transaction state of the transaction behavior through the external interface;

S1133, dynamically adjusting the calling frequency of the external interface called by the data acquisition container according to the initial transaction state;

and after the initial transaction state is read, identifying the semantic expression or mapping state stage of the initial transaction state. If the transaction state represented by the initial transaction state is that the transaction just starts, the calling frequency of the external interface is called by the data acquisition container is smaller; and if the transaction state represented by the initial transaction state is that the transaction is about to end, increasing the calling frequency of the data acquisition container for calling the external interface. In this embodiment, a transaction flow corresponding to the whole transaction behavior is pre-constructed, and the transaction state is matched with each node in the transaction flow, so that the transaction state can be determined in the interval in the transaction flow. In some embodiments, the historical data is counted to obtain the time length of each process node from the final node in each transaction behavior, the calling frequency of the data acquisition container for calling the external interface is dynamically adjusted according to the time length, the calling frequencies corresponding to different time lengths are pre-established, and the calling frequency of the data acquisition container for subsequently calling the external interface is obtained according to the specific time length.

S1134, continuously collecting the transaction state of the transaction behavior by the data collection container according to the calling frequency.

After the calling frequency of the external interface called by the data acquisition container is determined, the data acquisition container calls the external interface according to the calling frequency, and the transaction state of the transaction behavior is read at intervals until the transaction state represents that the transaction behavior is completed or terminated.

In order to reasonably adjust the monitoring frequency of the data acquisition container for monitoring the online account, the calling frequency of the data acquisition container for calling the external interface needs to be dynamically adjusted. External interface belongs to public network resource, when transaction node need be through a plurality of data acquisition container control a plurality of online accounts, an external interface probably will be called by a plurality of data acquisition container in turn, consequently, the frequency of calling of every data acquisition container external interface of dynamic adjustment can realize external interface's load balance, simultaneously, also can make an external interface dock more data acquisition containers, improves public resource's effective use efficiency.

In some embodiments, the transaction credentials need to be generated from transaction data and dispute data. S1200 includes:

s1211, obtaining dispute data generated by the transaction behaviors;

each transaction behavior is not necessarily completely fulfilled, disputes may occur in some transaction behaviors during the transaction process, and the disputes may cause the final transaction result to be different from the initial transaction architecture, so that when reading the transaction data, the dispute data corresponding to the transaction behavior also needs to be read. The dispute data states (without limitation): dispute reasons, dispute results, final payment mode of dispute, payment object and payment amount. For example, during a transaction, after the transaction is partially fulfilled, the parties terminate the fulfillment transaction, at which point the dispute data indicates that the transaction requires payment in percentages. In some embodiments, in the case of a partial transaction dispute with a failure, the dispute data may need to be determined according to the established transaction contract or the referee arbitration file.

S1212, generating a transaction voucher of the transaction node according to the transaction data and the dispute data;

and after the dispute data is obtained, generating a node certificate of the transaction node according to the transaction data and the dispute data. For example, after the transaction is partially fulfilled, the two parties terminate the fulfillment transaction, at this time, the dispute data represents that the transaction action needs to be paid according to the percentage, and at this time, when the transaction certificate is generated, the transaction certificate needs to be generated by combining the transaction data and the settlement ratio represented by the dispute data. For disputes caused by partial damage, the transaction content in the transaction data needs to be cleared, and then, the payment data in the dispute data generates a transaction voucher.

And S1213, writing the dispute content and the dispute result represented by the dispute data into the transaction voucher.

After generating a transaction voucher according to the transaction data and the dispute data, data representing dispute contents and dispute results in the dispute data needs to be stored, and the storage mode is as follows: the dispute content and the dispute result are written into the transaction voucher to be used as an endorsement of the transaction voucher, so that the dispute is conveniently recorded. Because the transaction voucher finally becomes a block for distributed recording, and part of the dispute content related to privacy cannot be disclosed, the dispute content and the dispute result need to be encrypted by the transaction voucher, the encryption is encrypted by adopting a public key, a decryption private key is stored in a wallet of a transaction node, when other transaction nodes check the dispute content, a request needs to be sent to the transaction node in a point-to-point manner, and after the transaction nodes agree, the transaction node sends the private key to the request node to decrypt the encrypted content. By the method, the transaction certificates can be stored in a distributed mode, and the security of the private data can be guaranteed.

Referring specifically to fig. 2, fig. 2 is a schematic diagram of a basic structure of a transaction credential chaining device according to the present embodiment.

As shown in fig. 2, a transaction voucher linking apparatus includes: an acquisition module 1100, a processing module 1200, a request module 1300, a sending module 1400, and an execution module 1500. The acquisition module 1100 is configured to acquire transaction data generated by a transaction node associated with a user performing a transaction action; the processing module 1200 is configured to, based on the transaction data, generate a transaction credential recording the transaction data by the transaction node; the request module 1300 is configured to, according to a preset transaction rule, generate, by the transaction node, a first transaction request corresponding to the transaction credential; the sending module 1400 is configured to send the first transaction request and the transaction credential to a third party transaction node through a backbone network by the transaction node; the execution module 1500 is configured to perform credential transaction with the transaction node by the third party transaction node according to the first transaction request and the transaction credential.

The transaction voucher uplink device converts financial behaviors represented in the transaction data into transaction vouchers in the financial bills by collecting transaction data generated by associated user transaction behaviors which are associated with the transaction nodes. The transaction voucher can be spread on the blockchain with the corresponding first transaction request, and can also carry out financial transaction by a third-party transaction node specified by the first transaction request. By the method, the circulation and the storage of the transaction voucher are publicized and the block storage is certified, so that the risk of bill loss caused by centralized service is avoided, and the safety of bill circulation and storage is improved. By linking the real transaction behaviors occurring by the associated users, the defect that the block chain finance is supported by no real value is broken through, and the block chain finance is mapped to a real value system.

Optionally, the execution module is further configured to:

and generating a fourth block comprising the clearing settlement content according to the transaction ledger.

Optionally, the acquisition module is further configured to:

collecting transaction behaviors of the associated user;

Optionally, the acquisition module is further configured to:

and continuously acquiring the transaction state of the transaction behavior by the data acquisition container according to the calling frequency.

Optionally, the processing module is further configured to:

obtaining dispute data generated by the transaction behavior;

In order to solve the technical problem, an embodiment of the present application further provides a computer device. Referring to fig. 3 in detail, fig. 3 is a block diagram of a basic structure of a computer device according to the embodiment.

As shown in fig. 3, the internal structure of the computer device is schematically illustrated. The computer device includes a processor, a non-volatile storage medium, a memory, and a network interface connected by a system bus. The non-volatile storage medium of the computer device stores an operating system, a database and computer readable instructions, the database can store control information sequences, and the computer readable instructions when executed by the processor can enable the processor to realize a transaction voucher uplink method. The processor of the computer device is used for providing calculation and control capability and supporting the operation of the whole computer device. The memory of the computer device may have stored therein computer readable instructions that, when executed by the processor, cause the processor to perform a transaction voucher linking method. The network interface of the computer device is used for connecting and communicating with the terminal. Those skilled in the art will appreciate that the architecture shown in fig. 3 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In this embodiment, the processor is configured to execute specific functions of the acquisition module 1100, the processing module 1200, the request module 1300, the sending module 1400, and the execution module 1500 in fig. 2, and the memory stores program codes and various data required for executing the modules. The network interface is used for data transmission to and from a user terminal or a server. The memory in this embodiment stores program codes and data required for executing all the submodules in the transaction certificate chaining device, and the server can call the program codes and data of the server to execute the functions of all the submodules.

The computer device converts financial behaviors characterized in the transaction data into transaction credentials in the financial instrument by collecting transaction data generated by associated user transaction behaviors having an association with the transaction node. The transaction voucher can be spread on the blockchain with the corresponding first transaction request, and can also carry out financial transaction by a third-party transaction node specified by the first transaction request. By the method, the circulation and the storage of the transaction voucher are publicized and the block storage is certified, so that the risk of bill loss caused by centralized service is avoided, and the safety of bill circulation and storage is improved. By linking the real transaction behaviors of the associated users, the defect that the block chain finance is not supported by physical value is overcome, and the block chain finance is mapped to a real value system.

The present application further provides a storage medium storing computer-readable instructions, which when executed by one or more processors, cause the one or more processors to perform the steps of any of the above-described embodiments of the method for uplink transaction credentials.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).

Those of skill in the art will understand that various operations, methods, steps in the flow, measures, schemes discussed in this application can be alternated, modified, combined, or deleted. Further, other steps, measures, or schemes in various operations, methods, or flows that have been discussed in this application can be alternated, altered, rearranged, broken down, combined, or deleted. Further, the steps, measures, and schemes in the various operations, methods, and flows disclosed in the present application in the prior art can also be alternated, modified, rearranged, decomposed, combined, or deleted.

The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, several modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.

Claims

1. A method for chaining transaction credentials, comprising:

the transaction node sends the first transaction request and the transaction voucher to a third party transaction node through a main chain network;

2. The method of claim 1 wherein the third party transaction node comprises a user node, and wherein the third party transaction node performs a credential transaction with the transaction node according to the first transaction request and the transaction credential comprises:

3. The method of claim 2, wherein the third party transaction node further comprises a central node, and wherein generating the first block including the transaction settlement content from the transaction ledger comprises:

4. The method of claim 3, wherein the third party transaction node further comprises a redemption node, the generating a first block including the transaction settlement contents from the transaction ledger comprising:

the cashing node reads the cashing condition recorded in the transaction certificate according to the third transaction request;

5. The method of claim 4, wherein the generating a second block comprising the financial settlement content according to the transaction ledger further comprises:

the cashing node reads the cashing condition recorded in the transaction certificate according to the fourth transaction request;

6. The method of claim 1 wherein collecting transaction data generated by a transaction node associated with a user conducting a transaction comprises:

collecting transaction behaviors of the associated user;

7. The method of claim 6, wherein the collecting the transaction status of the transaction activity via the data collection container comprises:

8. The method of claim 1, wherein the generating, by the transaction node, transaction credentials that document the transaction data based on the transaction data comprises:

acquiring dispute data generated by the transaction behaviors;

and writing dispute contents and dispute results represented by the dispute data into the transaction voucher.

9. An apparatus for chaining transaction credentials, comprising:

the sending module is used for sending the first transaction request and the transaction voucher to a third-party transaction node through a main chain network by the transaction node;

and the execution module is used for carrying out credential transaction with the transaction node by the third-party transaction node according to the first transaction request and the transaction credential.

10. A computer apparatus comprising a memory and a processor, the memory having stored therein computer readable instructions which, when executed by the processor, cause the processor to perform the steps of the transaction voucher chaining method according to any of claims 1 to 8.

11. A storage medium having computer-readable instructions stored thereon which, when executed by one or more processors, cause the one or more processors to perform the steps of the transaction credentialing method of any of claims 1 to 8.