Network payment method and network payment device

Abstract

The invention relates to a network payment method and a network payment device. The network payment method is used for a first network node in a network which is composed of a plurality of peer-to-peer network nodes and comprises the steps of transmitting a service request by the first network node to one or a plurality of second network nodes, receiving service request confirming information of the second network node by the first network node and generating an asset transfer recording, participating in whole-network consensus verification of the asset transfer recording by the first network node, and writing the asset transfer record which passes whole-network consensus verification into a block chain of the network by the first network node. The invention further discloses a network payment device.

Description

Technical field [0001] The invention belongs to the field of Internet technology, and in particular relates to a blockchain-based network payment method and device. Background technique [0002] Online payment means that the parties to electronic transactions, including consumers, manufacturers, and financial institutions, use secure electronic payment methods to make monetary payments or fund transfers through the Internet. It mainly includes electronic money, electronic credit card, and electronic check. Due to the increasing development of globalization, in online payments, cross-border asset transfer accounts for an increasing proportion of online payments. Cross-border asset transfer refers to assets where the originator and receiver of the asset transfer are located in different countries or regions. Transfer, due to the different currencies, usually requires settlement tools and payment systems (such as SWIFT, Global Interbank Financial Telecommunications Association) to ...

AI Technical Summary

Problems solved by technology

[0003] The current cross-border asset transfer system has the following problems: First, the centralized network system is mostly used, and the network robustness is poor. After the central server is attacked, it is easy to cause the entire network to be paralyzed; second, the time cost of cross-border asset transfer is high, and the arrival time Usually three to five days, the efficiency of asset transfer is low; third, the asset transfer fee is relatively high; fourth, the asset transfer process is not transparent, because there are many links involved, it is difficult for existing asset transfer agencies to tell users the intermediate links and the handling fees of each link detail

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