CN110992007A - Asset digital voucher payment clearing method, device and medium based on block chain - Google Patents
Asset digital voucher payment clearing method, device and medium based on block chainDownload PDFInfo
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Abstract
Description
Technical Field
The invention relates to the technical field of electronic payment and supply chain finance, in particular to an asset digital voucher payment clearing method, a clearing device and a computer-readable storage medium based on a block chain.
Background
With the activity of commercial activities and the use of internet technologies and mobile internet technologies, people's trading transactions and payment of goods are more and more widely realized on the internet or a mobile internet platform or a cloud platform or a big data platform, but the internet, the mobile internet or the cloud platform has poor information confidentiality, data is easy to tamper, and the data is easy to attack by external hackers, so that the rights and interests security of both buyers and sellers cannot be guaranteed. That is, in the prior art, the security of online transaction is low.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a block chain-based asset digital voucher payment clearing method, a device and a computer-readable storage medium, aiming at simplifying a payment clearing method and solving the problems of payment of online transaction and low safety guarantee in the prior art.
In order to achieve the above object, the present invention provides a block chain-based asset digital voucher payment clearing method, which is applied to a payment clearing device, wherein the payment clearing device comprises a block chain framework platform, and the block chain-based asset digital voucher payment clearing method comprises the following steps:
when a preset platform of the block chain framework platform receives preset information, acquiring account information of a buyer, wherein when the preset information comprises a clearing instruction, the preset platform is a block chain payment platform, when the preset information comprises a financing request, the preset platform is a block chain financing platform, when the preset information comprises a buying and selling transaction service, the preset platform is a block chain buying and selling transaction service platform, and when the preset information comprises a clearing request of an asset digital certificate, the preset platform is a block chain calculation platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and asset digital information of the buyer in a block chain business system platform;
generating an asset digital certificate and a performance commitment according to the asset digital information and the transaction information, wherein the asset corresponding to the asset digital amount of the asset digital certificate is isolated;
associating the digital voucher for the asset and the performance commitment with account information for the seller, and forwarding to the seller for payment of the transaction by the buyer to the seller.
In one embodiment, the asset digital information of the buyer comprises the received asset digital certificate of the third party and/or the asset digital certificate of the buyer.
In one embodiment, after the step of generating the digital certificate of the asset and the performance commitment according to the digital information of the asset and the transaction information, the method further comprises:
the asset digital certificate and the performance commitment book are transferred to a terminal corresponding to the seller on the blockchain payment platform, so that the seller confirms the asset digital certificate and the performance commitment book;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the digital certificate of the asset and the performance commitment with the account information of the seller.
In one embodiment, the step of associating the digital voucher for the asset and the fulfillment commitment with the account information of the seller is followed by the step of:
determining a payment amount for the asset digital voucher;
and sending the payment amount and the account information of the buyer to a block chain service system platform so that the block chain service system platform can update the asset digital information of the buyer according to the payment amount and the account information of the buyer.
In one embodiment, the step of generating an asset digital voucher and a fulfillment commitment from the asset digitization information and the transaction information comprises:
determining the identity, payment amount and payment time of a buyer and a seller according to the transaction information, determining the digital asset amount of the buyer according to the digital asset information, and generating a digital asset certificate, wherein the asset corresponding to the digital asset amount is isolated;
and when the digital asset amount is larger than or equal to the payment amount, issuing an asset digital certificate and a performance promise book according to the identity of the buyer, the identity of the seller, the payment amount and the payment time, wherein the information comprises the payment amount, the expiration date and the buyer and seller identity account information.
In one embodiment, the step of generating an asset digital voucher based on the identity of the buyer, the identity of the seller, the payment amount, and the payment time comprises:
detecting whether the asset digital information contains an asset digital certificate of a third party;
when the asset digital information contains an asset digital certificate of a third party, outputting prompt information whether to adopt the asset digital certificate of the third party to pay the seller to the terminal of the buyer;
when receiving confirmation information sent based on the prompt information, acquiring the identity of the third party and the payment amount on the asset digital certificate of the third party;
and generating a full-amount asset digital certificate or splitting the total amount into a plurality of different-amount asset digital certificates according to the identity of the buyer, the identity of the seller, the payment amount, the payment time, the identity of the third party and the payment amount on the asset digital certificate of the third party.
In one embodiment, the step of determining the digitalized amount of the buyer's asset according to the digitalized information of the asset further comprises:
and when the sum of the digital asset amount and the sum of the digital asset voucher received by the third party is less than or equal to the payment amount, outputting a prompt message of insufficient digital asset balance to a terminal corresponding to the buyer.
In one embodiment, the step of associating the digital voucher for the asset and the fulfillment commitment with the account information of the seller is followed by the step of:
the block chain settlement platform sends information to each terminal of the buyer issuing the asset digital certificate so that each buyer can pay the asset digital amount corresponding to the asset digital certificate; and
and the block chain settlement platform pays the asset digital amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate.
In order to achieve the above object, the present invention further provides a payment clearing apparatus, which includes a blockchain framework platform, where the blockchain framework platform includes a blockchain payment platform, a blockchain financing platform, a blockchain buying and selling transaction service platform, a blockchain service system platform, and a blockchain clearing platform, and the clearing apparatus includes a memory, a processor, and a clearing program stored in the memory and operable on the processor, where the processor is communicatively connected to the blockchain payment platform, the blockchain financing platform, the blockchain buying and selling transaction service platform, the blockchain service system platform, and the blockchain clearing platform, and where the clearing program, when executed by the processor, implements the steps of the method for clearing asset digital voucher payment based on blockchain as described above.
To achieve the above object, the present invention also provides a medium storing a liquidation program which, when executed by a processor, realizes the steps of the blockchain-based asset digital voucher payment liquidation method as described above.
In order to achieve the above object, the present invention further provides a payment and settlement apparatus, which includes a blockchain framework platform, where the blockchain framework platform includes a blockchain payment platform, a blockchain financing platform, a blockchain lending platform, a blockchain business system platform, and a blockchain settlement platform, and the settlement apparatus includes a memory, a processor, and a settlement program stored in the memory and operable on the processor, where the processor is communicatively connected to the blockchain payment platform, the blockchain financing platform, the blockchain lending platform, the blockchain business system platform, and the blockchain settlement platform, and where the settlement program, when executed by the processor, implements the steps of the method for settlement of digital voucher payment and settlement of assets based on blockchain as described above.
To achieve the above object, the present invention also provides a medium storing a liquidation program which, when executed by a processor, realizes the steps of the blockchain-based asset digital voucher payment liquidation method as described above.
According to the asset digital voucher payment clearing method, the device and the computer readable storage medium based on the block chain, provided by the embodiment of the invention, when preset information is received, the clearing device acquires account information of a buyer, acquires transaction information between the buyer and a seller corresponding to the account information and asset digital information of the buyer in a block chain business system platform according to the account information, generates an asset digital voucher and a performance promise book according to the asset digital information and the transaction information, and finally, the asset digital voucher and the account information of the seller are related and circulated, so that the buyer completes transaction payment to the seller. The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the settlement device obtains the asset digital information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to the fact that the asset digital information and the transaction information are falsified is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the asset digital certificate, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
Drawings
Fig. 1 is a hardware configuration diagram of a payment clearing apparatus according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of a block chain-based asset digital voucher payment clearing method according to the present invention;
FIG. 3 is a schematic flow chart of a second embodiment of the block chain-based asset digital voucher payment clearing method of the present invention;
fig. 4 is a schematic flow chart of a third embodiment of the asset digital certificate payment clearing method based on the blockchain according to the invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The main solution of the embodiment of the invention is as follows: when a preset platform of the block chain framework platform receives preset information, acquiring account information of a buyer, wherein when the preset information comprises a clearing instruction, the preset platform is a block chain payment platform, when the preset information comprises a financing request, the preset platform is a block chain financing platform, when the preset information comprises a buying and selling transaction service, the preset platform is a block chain buying and selling transaction service platform, and when the preset information comprises a clearing request of an asset digital certificate, the preset platform is a block chain calculation platform; acquiring transaction information between a buyer and a seller corresponding to the account information and asset digital information of the buyer in a block chain business system platform; generating an asset digital certificate and a performance commitment according to the asset digital information and the transaction information, wherein the asset corresponding to the asset digital amount of the asset digital certificate is isolated; associating the digital voucher for the asset and the performance commitment with account information for the seller, and forwarding to the seller for payment of the transaction by the buyer to the seller.
The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the settlement device obtains the asset digital information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to the fact that the asset digital information and the transaction information are falsified is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the asset digital certificate, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
As shown in fig. 1, fig. 1 is a schematic hardware configuration diagram of a payment clearing apparatus according to an embodiment of the present invention.
As shown in fig. 1, the payment clearing apparatus may include: aprocessor 1001, such as a CPU, acommunication bus 1002, and amemory 1003. Wherein acommunication bus 1002 is used to enable connective communication between these components. Thememory 1003 may be a high-speed RAM memory or a non-volatile memory (e.g., a disk memory). Thememory 1003 may alternatively be a storage device separate from theprocessor 1001.
Those skilled in the art will appreciate that the configuration shown in FIG. 1 does not constitute a limitation of the payment clearing device, and may include more or fewer components than those shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, thememory 1003, which is a kind of computer storage medium, may include an operating system and a clearing program therein.
In the apparatus shown in fig. 1, theprocessor 1001 may be configured to call a clearing program stored in thememory 1003, and perform the following operations:
when a preset platform of the block chain framework platform receives preset information, acquiring account information of a buyer, wherein when the preset information comprises a clearing instruction, the preset platform is a block chain payment platform, when the preset information comprises a financing request, the preset platform is a block chain financing platform, when the preset information comprises a buying and selling transaction service, the preset platform is a block chain buying and selling transaction service platform, and when the preset information comprises a clearing request of an asset digital certificate, the preset platform is a block chain calculation platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and asset digital information of the buyer in a block chain business system platform;
generating an asset digital certificate and a performance commitment according to the asset digital information and the transaction information, wherein the asset corresponding to the asset digital amount of the asset digital certificate is isolated;
associating the digital voucher for the asset and the performance commitment with account information for the seller, and forwarding to the seller for payment of the transaction by the buyer to the seller.
In one embodiment, the asset digital information of the buyer comprises the received asset digital certificate of the third party and/or the asset digital certificate of the buyer.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
the asset digital certificate and the performance commitment book are transferred to a terminal corresponding to the seller on the blockchain payment platform, so that the seller confirms the asset digital certificate and the performance commitment book;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the digital certificate of the asset and the performance commitment with the account information of the seller.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
determining a payment amount for the asset digital voucher;
and sending the payment amount and the account information of the buyer to a block chain service system platform so that the block chain service system platform can update the asset digital information of the buyer according to the payment amount and the account information of the buyer.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
determining the identity, payment amount and payment time of a buyer and a seller according to the transaction information, determining the digital asset amount of the buyer according to the digital asset information, and generating a digital asset certificate, wherein the asset corresponding to the digital asset amount is isolated;
and when the digital asset amount is larger than or equal to the payment amount, issuing an asset digital certificate and a performance promise book according to the identity of the buyer, the identity of the seller, the payment amount and the payment time, wherein the information comprises the payment amount, the expiration date and the buyer and seller identity account information.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
detecting whether the asset digital information contains an asset digital certificate of a third party;
when the asset digital information contains an asset digital certificate of a third party, outputting prompt information whether to adopt the asset digital certificate of the third party to pay the seller to the terminal of the buyer;
when receiving confirmation information sent based on the prompt information, acquiring the identity of the third party and the payment amount on the asset digital certificate of the third party;
and generating a full-amount asset digital certificate or splitting the total amount into a plurality of different-amount asset digital certificates according to the identity of the buyer, the identity of the seller, the payment amount, the payment time, the identity of the third party and the payment amount on the asset digital certificate of the third party.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
and when the sum of the digital asset amount and the sum of the digital asset voucher received by the third party is less than or equal to the payment amount, outputting a prompt message of insufficient digital asset balance to a terminal corresponding to the buyer.
In one embodiment,processor 1001 may call a clearing program stored inmemory 1003, and further perform the following operations:
the block chain settlement platform sends information to each terminal of the buyer issuing the asset digital certificate so that each buyer can pay the asset digital amount corresponding to the asset digital certificate; and
and the block chain settlement platform pays the asset digital amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate.
Based on the hardware construction, the invention provides various embodiments of the asset digital voucher payment clearing method based on the block chain.
Referring to fig. 2, a first embodiment of the present invention provides a blockchain-based asset digital voucher payment clearing method, which includes the following steps:
step S10, when a preset platform of the blockchain framework platform receives preset information, the preset platform acquires account information of a buyer, when the preset information comprises a clearing instruction, the preset platform is a blockchain payment platform, when the preset information comprises a financing request, the preset platform is a blockchain financing platform, when the preset information comprises a trading transaction service, the preset platform is a blockchain trading transaction service platform, and when the preset information comprises a clearing request of an asset digital voucher, the preset platform is a blockchain calculation platform;
in the present embodiment, the execution subject is a payment clearing apparatus, and for convenience of description, the payment clearing apparatus is referred to as a clearing apparatus hereinafter. The payment clearing device comprises a block chain framework platform, and the block chain framework platform comprises a block chain payment platform, a block chain financing platform, a block chain trading business platform, a block chain business system platform and a block chain clearing platform. That is, the preset framework includes a blockchain architecture including a blockchain payment platform, a blockchain financing platform, a blockchain transaction service platform, a blockchain service system platform, and a blockchain clearing platform. The block chain payment platform is used for realizing the payment and payment functions of the buyer and the seller, the block chain financing platform is used for realizing the financing function of the financing party and the financed party, the block chain trading business platform is used for realizing the function of the trading business, the block chain business system platform is used for storing the information of the trading information, the asset digital information and the like of the two parties involved in the trading, clearing, financing and lending, and the block chain clearing platform is used for clearing the balance and the earnings of the block chain framework on the same day. The payment, financing and lending processes are consistent, and the following describes the present embodiment in detail by taking the buyer and the seller as an example.
The trading parties may clear the transaction on the clearing device, i.e., the buyer may clear the amount of the transaction to the seller through the clearing device. Specifically, the clearing device provides a clearing APP for the terminals of the buyer and the seller to load, and the buyer or the seller sends a clearing instruction to the clearing device through the clearing APP on the terminals. The clearing instruction comprises the information of the buyer and the information of the seller, and the clearing device can acquire the information registered on the clearing device by the buyer according to the clearing instruction, namely acquiring the account information of the buyer. The account information includes a name of the buyer, authentication information, a transaction account, and the like, and the buyer needs to be authenticated by a real name to ensure the authenticity of the account information of the buyer.
Step S20, obtaining transaction information between the buyer and the seller corresponding to the account information and the digital asset information of the buyer in the blockchain business system platform;
the clearing device can communicate from the blockchain business system platform to acquire transaction information of buyers and sellers and digital asset information of the buyers corresponding to the account information of the buyers in the blockchain business system platform. Specifically, the buyer can associate the transaction information and the asset digital information with the account information to obtain associated information, and then store the associated information into the block chain service system platform so as to allow the buyer and the seller to perform transaction payment. The transaction information can be copies of contracts signed by buyers and sellers, electronic intelligent purchase and sale contracts, electronic reconciliation certificates of buyer receipts, electronic reconciliation certificates of seller shipments, electronic reconciliation certificates of buyers and sellers, invoices specially used for value-added tax issued by buyers, the amount of money of the buyers for buying goods of sellers and the like. The digital asset information refers to the deposit of the user in the bank, the sum of fixed assets, the credit limit of financial institutions such as a bank credit platform and the like, and the digital asset information is certified or isolated to determine the authenticity of the digital asset information. In addition, the asset digital information should carry an internal transfer and separation transfer protocol, a payment and guarantee protocol, a bank type bank limit protocol, an asset digital protocol, a trust protocol and the like, and the liquidation device needs to simultaneously obtain the asset digital information and the protocols carried by the asset digital information; if the digital asset information carries the protocol, the clearing device has the authority to control the digital asset information of the buyer; if the asset digital information does not carry such a protocol, the clearing device does not have the authority to control the asset digital information of the buyer, namely the buyer can not use the asset digital information to carry out transaction payment on the seller, at the moment, the clearing device outputs prompt information to prompt the buyer to provide the protocol for hosting and controlling the asset digital information, and the payment transaction of the buyer and the seller is terminated.
Step S30, generating an asset digital voucher and a performance commitment book according to the asset digital information and the transaction information, wherein the assets corresponding to the asset digital sum of the asset digital voucher are isolated;
the clearing device may generate the digital voucher for the asset and the performance commitment from the digitized information for the asset and the transaction information. Specifically, the clearing device may determine the funds of the buyer and the credit available to the buyer according to the digital asset information, and the sum of the credit available and the funds of the buyer is the amount of the credit or the trust of the buyer or the amount of the identifier isolation. The assets corresponding to the amount of the mortgage are isolated, i.e., the buyer cannot use the part to conduct off-line transactions. The clearing device can also determine the identity marks, payment amounts and payment time of the buyer and the seller according to the transaction information, the identity marks can be the names, identity cards and the like of enterprises where the buyer and the seller are located or the buyer and the seller, and the payment amount is the amount which the buyer needs to pay to the seller in the transaction. The payment time may be the current time or the time the buyer promises to pay the seller.
The clearing device determines whether the amount of the mortgage of the buyer is larger than the payment amount, and if the amount of the mortgage is larger than the payment amount, the clearing device generates an asset digital certificate and a performance acceptance book according to the identity of the buyer, the identity of the seller, the payment amount and the payment time. It will be understood that the asset digital voucher includes information such as the payer, the payee, the time of payment, and the amount of payment.
If the amount of the mortgage is less than or equal to the payment amount, the clearing device can determine the payment seller for which the buyer cannot pay the full amount. At this time, the clearing device outputs the prompt information of insufficient mortgage balance to the terminal of the buyer, and prompts the buyer to add the digital information of the newly added assets to complete the transaction. And the clearing device interrupts the current transaction.
Step S40, the digital certificate of the asset and the performance commitment are associated with the account information of the seller and transferred to the seller to complete the transaction payment of the buyer to the seller.
After generating the digital certificate of the property and the performance commitment book, the clearing device sends the digital certificate of the property and the performance commitment book to the account information of the seller, thereby associating the digital certificate of the property and the performance commitment book with the account information of the seller, transferring the digital certificate of the property to the seller, and completing the transaction payment of the buyer to the seller. It will be appreciated that the digital certificate of the asset associated with the seller's account information may determine that the seller holds a portion of the buyer's asset, and the amount of the portion of the asset is the amount of money the buyer needs to pay the seller in the transaction.
In this embodiment, the asset digitalized information and the transaction information stored in the blockchain service system platform are subjected to accounting, data verification, storage, maintenance, transmission and other processes by upstream and downstream enterprises, financial institutions, similar financial institutions, banks and service providers of both transaction parties, and a pure mathematical method is adopted to establish a trust relationship between distributed nodes, so that the data stored in the blockchain service system platform is guaranteed to be real and reliable. In the embodiment, the transaction information and the asset digital information are extracted from the block chain business system platform, and the block chain has the characteristics of non-falsification, multi-party accounting, decentralization, consensus mechanism and the like, so that the information in the block chain is determined to be transparent, fair and credible, and the equity security of both the buyer and the seller is guaranteed.
The block chain architecture platform is constructed by etherhouse technology. The block chain structure is composed of a physical layer, a data layer, a network layer, a consensus layer, an excitation layer and an application layer. A block chain service system platform, a block chain payment platform, a block chain clearing platform, a block chain financing platform and a trading transaction service are developed on an application layer, and supply chain transaction parties participated by capital parties of upstream and downstream transaction parties and each node on a chain, logistics, services, banks and similar financial institutions and various parties are realized through the application platforms, and an alliance chain of services including equity and obligation, payment and the like is realized. The alliance chain is a block chain type, and between the public chain and the private chain, only with alliance members, authority and accounting rules are established according to alliance rules. The method is used for trading and clearing among enterprise levels, industry associations and organizations. The block chain has the characteristics of multicentralization, a consensus mechanism, time sequence data, multi-maintenance, intelligent contracts and safety and credibility.
In the technical solution provided in this embodiment, when receiving the preset information, the clearing apparatus obtains account information of the buyer, obtains transaction information between the buyer and the seller corresponding to the account information and asset digital information of the buyer in the blockchain service system platform according to the account information, generates an asset digital certificate and a performance commitment book according to the asset digital information and the transaction information, and finally, transfers the asset digital certificate and the account information of the seller in an associated manner, so that the buyer completes transaction payment to the seller. The block chain has the characteristics of a multi-party consensus mechanism, publicly verifiable accounts book and data non-falsification, so that the settlement device obtains the asset digital information of the buyer and the transaction information of the buyer and the seller from the block chain, the condition that the rights and interests of the buyer and the seller cannot be guaranteed due to the fact that the asset digital information and the transaction information are falsified is avoided, and the safety guarantee performance of online transaction is high; the buyer can complete transaction payment to the seller on line according to the asset digital certificate, the transaction payment of the buyer and the seller can be realized without bank transfer, and the online downward payment of the buyer and the seller is not needed, so that the clearing process of the buyer and the seller is simplified; on the premise of guaranteeing the rights and interests of both buyers and sellers, the clearing processes of both trading parties are simplified.
In one embodiment, the seller can perform a third party transaction using the asset digital certificate associated with the account information, that is, the seller splits and transfers the asset digital certificate paid by the buyer to the seller to the third party, so as to implement the transaction between the seller and the third party. Because the asset digital certificate represents the asset, the seller can apply for financing the buyer's asset digital certificate. Alternatively, the seller may wait for the current time to reach the contracted time in the asset digital voucher to obtain the amount of the asset digital voucher. Thus, the roles of the seller and buyer may be interchanged based on the currency of the asset digital voucher. Therefore, when the buyer and the seller are transacting, the buyer can provide the third party's asset digital certificate to the seller, that is, the buyer's asset digital certificate can be contained in the buyer's asset digital information. It is understood that the buyer's digital asset voucher includes the buyer's own digital asset voucher, the received third party digital asset voucher, or both the buyer's own digital asset voucher and the received third party digital asset voucher. Therefore, after the seller's account information is associated with the asset digital certificate, the asset digital certificate can be sent to the blockchain business system platform, so that the blockchain business system platform updates the seller's asset digital information.
Referring to fig. 3, fig. 3 is a second embodiment of the asset digital voucher payment clearing method based on the blockchain according to the present invention, and after the step S30, the method further includes:
step S50, transferring the digital asset voucher and the performance commitment to a terminal corresponding to the seller on the blockchain payment platform, so that the seller can confirm the digital asset voucher and the performance commitment;
step S60, when receiving the confirmation information sent by the terminal corresponding to the seller, executing the step of associating the digital certificate of the asset and the performance promise book with the account information of the seller.
In this embodiment, the clearing device may send the digital certificate of the asset and the performance commitment to a terminal corresponding to the seller when generating the digital certificate of the asset and the performance commitment. The buyer and seller can check the digital certificate of the property and the information of the payment amount, the payment time, the payee, the payer and the like in the performance acceptance book whether the information is correct. If no problem exists, the seller can send the determination information to the clearing device based on the clearing APP of the terminal.
The clearing device can determine that the digital certificate of the asset and the performance commitment are confirmed to be correct when receiving the confirmation information sent by the seller, and then the clearing device sends the digital certificate of the asset and the performance commitment to the account of the seller so as to associate the account information of the seller with the digital certificate of the asset and complete the transaction payment of the buyer to the seller.
If the clearing device does not receive the confirmation information sent by the buyer and the seller within the preset time, the transaction payment of the buyer to the seller is interrupted, and the prompt information of clearing timeout is output to the terminals corresponding to the buyer and the seller.
Further, detecting whether the asset digital information contains an asset digital certificate of a third party;
when the asset digital information contains an asset digital certificate of a third party, outputting prompt information whether to adopt the asset digital certificate of the third party to pay the seller to the terminal of the buyer;
when receiving confirmation information sent based on the prompt information, acquiring the identity of the third party and the payment amount on the asset digital certificate of the third party;
and generating a full-amount asset digital certificate or splitting the total amount into a plurality of different-amount asset digital certificates according to the identity of the buyer, the identity of the seller, the payment amount, the payment time, the identity of the third party and the payment amount on the asset digital certificate of the third party.
If the payment amount of the third party's digital certificate is less than the payment amount, the insufficient amount is used to open the digital certificate and the performance promise according to the digital information of the buyer's asset.
In the technical solution provided in this embodiment, after generating the digital certificate of the asset and the performance commitment book, the clearing device sends the digital certificate of the asset and the performance commitment book to the seller for confirmation, so as to avoid causing property loss in the seller.
Referring to fig. 4, fig. 4 is a third embodiment of the asset digital voucher payment clearing method based on the blockchain according to the present invention, and after the step S40 according to the first or second embodiment, the method further includes:
step S70, determining the payment amount of the asset digital certificate;
step S80, sending the payment amount and the account information of the buyer to a blockchain business system platform, so that the blockchain business system platform updates the digital asset information of the buyer according to the payment amount and the account information of the buyer.
In this embodiment, after the buyer pays the seller with the digital asset voucher, the digital asset information associated with the account information of the buyer needs to be updated. Specifically, after the buyer provides the asset digital certificate to the seller, the buyer actually mortgage a portion of the asset to the seller, and thus, the mortgage funds of the buyer need to be reduced. Therefore, the clearing device determines the payment amount of the asset digital certificate, and then sends the account information and the payment amount of the buyer to the block chain business system platform, so that the block chain business system platform updates the asset digital information of the buyer according to the payment and the account information, namely, the assets which can be collated in the asset digital information are changed, and the balance of the asset digital information is reduced, so that the clearing device can complete the transaction payment of the buyer to other sellers from the correct asset digital information in the block chain business system platform.
In the technical solution provided in this embodiment, after the clearing device sends the asset digital certificate to the seller for association, the clearing device sends the payment amount and the account information to the blockchain business system platform, so that the blockchain business system platform updates the asset digital information of the buyer, and thus the clearing device can complete the transaction payment of the buyer to other sellers from the correct asset digital information in the blockchain business system platform.
In one embodiment, the blockchain clearing platform of the clearing device will settle the balance at the end of each day. Specifically, at the end of the day, the blockchain clearing platform determines the opened asset digitization voucher, which may be the digitized amount of the asset delivered by the buyer to the seller. The block chain clearing platform obtains the digitalized amount of the assets delivered to the seller by the buyer, namely the block chain clearing platform sends information to terminals corresponding to the buyers issuing the digitalized amount of the assets, so that the buyers can input the digitalized amount of the assets into the block chain clearing platform.
At the present end, the blockchain clearing platform also determines an expired asset digitization voucher, which is held by the seller. Therefore, the blockchain clearing platform can input the digitalized amount of the expired asset digitalized certificate into a transaction account corresponding to the seller, delete the expired asset digitalized certificate and complete the payment of the blockchain clearing platform for the seller. The block chain clearing platform can calculate the current netting according to the total amount of the opened asset digital certificate and the total amount of the asset digital certificate paid due.
In the technical scheme provided by the embodiment, every day, the circulation payment device can drive money into a payment account of the seller corresponding to the expired asset digital certificate, so that the income of the seller is guaranteed.
The invention also provides a payment clearing device, which comprises a blockchain framework platform, wherein the blockchain framework platform comprises a blockchain payment platform, a blockchain financing platform, a blockchain buying and selling transaction service platform, a blockchain service system platform and a blockchain clearing platform, the clearing device comprises a memory, a processor and a clearing program which is stored in the memory and can run on the processor, the processor is in communication connection with the blockchain payment platform, the blockchain financing platform, the blockchain buying and selling transaction service platform, the blockchain service system platform and the blockchain clearing platform, and the clearing program realizes the steps of the asset digital voucher payment clearing method based on the blockchain when being executed by the processor.
The present invention also provides a medium storing a clearing program which, when executed by a processor, performs the steps of the blockchain-based asset digital voucher payment clearing method as described above.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A block chain-based asset digital voucher payment clearing method is applied to a payment clearing device, and is characterized in that the payment clearing device comprises a block chain framework platform, and the block chain-based asset digital voucher payment clearing method comprises the following steps:
when a preset platform of the block chain framework platform receives preset information, acquiring account information of a buyer, wherein when the preset information comprises a clearing instruction, the preset platform is a block chain payment platform, when the preset information comprises a financing request, the preset platform is a block chain financing platform, when the preset information comprises a buying and selling transaction service, the preset platform is a block chain buying and selling transaction service platform, and when the preset information comprises a clearing request of an asset digital certificate, the preset platform is a block chain calculation platform;
acquiring transaction information between a buyer and a seller corresponding to the account information and asset digital information of the buyer in a block chain business system platform;
generating an asset digital certificate and a performance commitment according to the asset digital information and the transaction information, wherein the asset corresponding to the asset digital amount of the asset digital certificate is isolated;
associating the digital voucher for the asset and the performance commitment with account information for the seller, and forwarding to the seller for payment of the transaction by the buyer to the seller.
2. The blockchain-based asset digital voucher payment clearing method of claim 1, wherein the buyer's asset digital information comprises a received third party asset digital voucher and/or the buyer's asset digital voucher.
3. The method for clearing blockchain-based asset digital voucher payment of claim 1, wherein the step of generating an asset digital voucher and a fulfillment commitment from the asset digitization information and the transaction information further comprises, after the step of:
the asset digital certificate and the performance commitment book are transferred to a terminal corresponding to the seller on the blockchain payment platform, so that the seller confirms the asset digital certificate and the performance commitment book;
and when receiving confirmation information sent by a terminal corresponding to the seller, executing the step of associating the digital certificate of the asset and the performance commitment with the account information of the seller.
4. The blockchain-based digital voucher asset payment clearing method of claim 1, wherein associating the digital asset voucher and the performance commitment with the account information of the seller is followed by further comprising:
determining a payment amount for the asset digital voucher;
and sending the payment amount and the account information of the buyer to a block chain service system platform so that the block chain service system platform can update the asset digital information of the buyer according to the payment amount and the account information of the buyer.
5. The blockchain-based asset digital voucher payment clearing method of claim 1, wherein the step of generating an asset digital voucher and a performance commitment from the asset digitization information and the transaction information comprises:
determining the identity, payment amount and payment time of a buyer and a seller according to the transaction information, determining the digital asset amount of the buyer according to the digital asset information, and generating a digital asset certificate, wherein the asset corresponding to the digital asset amount is isolated;
and when the digital asset amount is larger than or equal to the payment amount, issuing an asset digital certificate and a performance promise book according to the identity of the buyer, the identity of the seller, the payment amount and the payment time, wherein the information comprises the payment amount, the expiration date and the buyer and seller identity account information.
6. The blockchain-based asset digital voucher payment clearing method of claim 5 wherein the step of generating an asset digital voucher based on the identity of the buyer, the identity of the seller, the payment amount and the payment time comprises:
detecting whether the asset digital information contains an asset digital certificate of a third party;
when the asset digital information contains an asset digital certificate of a third party, outputting prompt information whether to adopt the asset digital certificate of the third party to pay the seller to the terminal of the buyer;
when receiving confirmation information sent based on the prompt information, acquiring the identity of the third party and the payment amount on the asset digital certificate of the third party;
and generating a full-amount asset digital certificate or splitting the total amount into a plurality of different-amount asset digital certificates according to the identity of the buyer, the identity of the seller, the payment amount, the payment time, the identity of the third party and the payment amount on the asset digital certificate of the third party.
7. The blockchain-based asset digital voucher payment clearing method of claim 5 wherein the step of determining the digitized amount of the buyer's asset based upon the asset digitization information is followed by further comprising:
and when the sum of the digital asset amount and the sum of the digital asset voucher received by the third party is less than or equal to the payment amount, outputting a prompt message of insufficient digital asset balance to a terminal corresponding to the buyer.
8. The blockchain-based digital voucher payment liquidation method of any one of claims 1 to 7, wherein associating the digital voucher and the fulfillment commitment with account information of the seller is followed by further comprising:
the block chain settlement platform sends information to each terminal of the buyer issuing the asset digital certificate so that each buyer can pay the asset digital amount corresponding to the asset digital certificate; and
and the block chain settlement platform pays the asset digital amount corresponding to the expired asset digital certificate to the account information of the seller corresponding to each expired asset digital certificate.
9. A payment clearing apparatus, comprising a blockchain framework platform, the block chain framework platform comprises a block chain payment platform, a block chain financing platform, a block chain transaction business platform, a block chain business system platform and a block chain clearing platform, the clearing device comprises a memory, a processor and a clearing program stored in the memory and operable on the processor, the processor is in communication connection with the blockchain payment platform, the blockchain financing platform, the blockchain trading business platform, the blockchain business system platform and the blockchain clearing platform, the clearing program when executed by the processor implements the steps of the blockchain-based asset digital voucher payment clearing method according to any one of claims 1-8.
10. A medium, characterized in that it stores a clearing program that when executed by a processor implements the steps of the blockchain-based asset digital voucher payment clearing method according to any one of claims 1-8.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911179911.4ACN110992007A (en) | 2019-11-22 | 2019-11-22 | Asset digital voucher payment clearing method, device and medium based on block chain |
| PCT/CN2020/102689WO2021098251A1 (en) | 2019-11-22 | 2020-07-17 | Asset digital certificate payment and settlement method and device based on blockchain, and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911179911.4ACN110992007A (en) | 2019-11-22 | 2019-11-22 | Asset digital voucher payment clearing method, device and medium based on block chain |
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| CN110992007Atrue CN110992007A (en) | 2020-04-10 |
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| CN201911179911.4AWithdrawnCN110992007A (en) | 2019-11-22 | 2019-11-22 | Asset digital voucher payment clearing method, device and medium based on block chain |
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| CN (1) | CN110992007A (en) |
| WO (1) | WO2021098251A1 (en) |
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