WO2020192272A1 - Procédé et système de transfert à base de chaîne de blocs, dispositif informatique, et support de stockage - Google Patents

Procédé et système de transfert à base de chaîne de blocs, dispositif informatique, et support de stockage Download PDF

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Publication number
WO2020192272A1
WO2020192272A1 PCT/CN2020/073857 CN2020073857W WO2020192272A1 WO 2020192272 A1 WO2020192272 A1 WO 2020192272A1 CN 2020073857 W CN2020073857 W CN 2020073857W WO 2020192272 A1 WO2020192272 A1 WO 2020192272A1
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smart contract
user
account
business
module
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PCT/CN2020/073857
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English (en)
Chinese (zh)
Inventor
胡多峰
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阿里巴巴集团控股有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Definitions

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

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Abstract

La présente invention concerne un procédé et un système de transfert à base de chaîne de blocs, un dispositif informatique et un support de stockage. Le procédé de transfert à base de chaîne de blocs comprend : la réception d'une demande de traitement de service, la demande de traitement de service transportant un identifiant d'identité et des informations de service d'un utilisateur (202) ; la création, conformément à la demande de service, d'un contrat intelligent correspondant à la demande de service, et l'écriture du contrat intelligent dans un réseau de chaîne de blocs (204) ; et si une condition d'exécution automatique du contrat intelligent est satisfaite, l'exécution automatique d'une tâche de transfert pour achever le processus de transfert de l'utilisateur (206). Au moyen du mode de traitement, dans un premier temps, il est garanti que le contrat intelligent n'est pas altéré, puis dans le processus de traitement de service, si la condition d'exécution automatique du contrat intelligent est satisfaite, la tâche de transfert peut être exécutée automatiquement, de façon à réaliser un transfert rapide d'un utilisateur, raccourcir considérablement la durée de traitement de service, et améliorer l'efficacité de travail.
PCT/CN2020/073857 2019-03-27 2020-01-22 Procédé et système de transfert à base de chaîne de blocs, dispositif informatique, et support de stockage WO2020192272A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201910238904.0 2019-03-27
CN201910238904.0A CN110175842A (zh) 2019-03-27 2019-03-27 基于区块链的转账方法、***、计算设备及存储介质

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