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Block chain-based batch settlement method and system, and medium

A blockchain and batch technology, applied in the blockchain field, can solve the problems of performance limitations and the clearing and settlement business requirements that cannot meet the production level.

Pending Publication Date: 2021-06-08
SHANGHAI WANXIANG BLOCK CHAIN CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Most of the systems built on the bottom layer of the blockchain are limited by performance and are far from meeting the production-level clearing and settlement business requirements

Method used

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  • Block chain-based batch settlement method and system, and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0032] According to the block chain-based batch clearing and settlement method provided by the present invention, it includes: step 1: deploying smart contracts in the block chain for verifying clearing and settlement; step 2: when the batch clearing and settlement business occurs, Create a temporary network channel outside, after the initiator signs the transaction on the chain, send the transaction bill to the payee for confirmation through the temporary network channel; Step 3: After receiving the bill through the temporary network channel, the payee confirms the bill and checks The transaction is signed, saved and then sent to the initiator through a temporary network channel; Step 4: After receiving the bill signed by both parties, the initiator sends the bill and funds to the smart contract for settlement; Step 5: The smart contract receives After the bill enters the review stage, it is verified whether the bill has the signatures of both parties. If it has the signatures...

Embodiment 2

[0036] Embodiment 2 is a preferred example of Embodiment 1.

[0037] When the equity trading user account is generated, the user's private key is encrypted with a symmetric key generated based on the user's relevant information and uploaded to the server for registration of the user account and binding of permissions.

[0038] According to the blockchain-based batch clearing and settlement method provided by the present invention, the method comprises the following steps:

[0039] Step 1: Pre-deploy a smart contract for verification, clearing and settlement in the blockchain, and set the rules as follows: The clearing initiator submits a batch of transactions to the smart contract and submits the funds corresponding to the clearing. The smart contract needs to verify that each transaction has the signature information of both the bank and the payee. If the rules are confirmed and passed, the distribution and confirmation of funds will be completed.

[0040] Step 2: When the b...

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PUM

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Abstract

The invention provides a block chain-based batch settlement method and system, and a medium. The method comprises the steps of 1, deploying a smart contract in a block chain; 2, when a batch settlement service occurs, creating a temporary network channel outside the block chain, and after signing a transaction to be linked, enabling the initiator to send a transaction bill to the payee through the temporary network channel; 3, enabling the payee to confirm and sign the bill after receiving the bill and sending the bill to the initiator; 4, after receiving the bill signed by the two parties, enabling the initiator to send the bill and funds to the smart contract for settlement; and step 5, after the intelligent contract receives the bill, entering an examination stage, verifying whether the bill has the signature of both parties, if so, clearing, otherwise, not executing. According to the invention, a temporary network channel is adopted, so that transaction sending is changed from confirmation of one transaction every time to confirmation of one batch of transactions, the problem of insufficient efficiency caused by an original block chain is solved, and the clearing efficiency is improved.

Description

technical field [0001] The present invention relates to the technical field of blockchain, in particular, to a blockchain-based batch clearing and settlement method, system and medium. Background technique [0002] Blockchain, as a distributed ledger technology, is currently widely used in the financial system as the underlying technology. In the financial business system, the realization of blockchain-based clearing and settlement business is a major problem at present. Most of the systems built on the bottom layer of the blockchain are limited by performance and are far from meeting the production-level clearing and settlement business requirements. [0003] Patent document CN108520412A (application number: CN201810347357.5) discloses a design method of a block chain-oriented clearing and settlement transaction accounting algorithm, including the following steps: S1, dismantling the three-party transaction into multiple atomic transactions according to the user account nu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q20/38
CPCG06Q40/04G06Q20/3829
Inventor 郭长永
Owner SHANGHAI WANXIANG BLOCK CHAIN CO LTD
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