Payment method and device, electronic equipment and storage medium

Abstract

The invention discloses a payment method and device, electronic equipment and a storage medium, and belongs to the technical field of block chains, and the method comprises the steps that a node in a block chain receives a payment request sent by an acquisition system, carries out the block consensus of payment information contained in the payment request, and sends the payment request to a message server, the method comprises the following steps: enabling a payment system to carry out on-chain payment preparation operation after monitoring a payment request from a message server, carrying out payment processing based on payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation, and sending a payment result to the message server after carrying out block consensus on the payment result, and the acquiring system displays response information of the payment request after monitoring the payment result. Therefore, multiple intermediate parties can be skipped during cross-border payment, so that the payment efficiency is relatively high, the payment cost is relatively low, and the responsibility party can be easily determined when a dispute occurs by means of the non-tampering characteristic of the block chain.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to a payment method, device, electronic device and storage medium. Background Art

[0002] With the rapid development of e-commerce business, domestic users can purchase foreign goods online, and foreign users can also purchase domestic goods online. Therefore, the demand for cross-border payments is increasing.

[0003] In related technologies, cross-border payments are usually made by telegraphic transfers such as Swift. In this cross-border method, the payment funds of domestic users must pass through acquiring banks, issuing banks and clearing and transfer institutions before they can reach the merchant's overseas account. Acquiring banks, issuing banks and clearing and transfer institutions all have an independent account processing system, so the payment efficiency is relatively low. Each participating bank and clearing and transfer institution also charges a high transfer fee, so the cost of cross-border payments is also relatively high. In addition, the cross-border payment process lacks the participation of notary agencies, and once a dispute occurs, it is not easy to clarify the responsible party. Summary of the invention

[0004] The embodiments of the present application provide a payment method, device, electronic device and storage medium to solve the problems of low payment efficiency, high payment cost and difficulty in identifying the responsible party in the event of a dispute existing in cross-border payment solutions in related technologies.

[0005] In a first aspect, an embodiment of the present application provides a payment method, including:

[0006] The node in the blockchain receives the payment request sent by the acquiring system, wherein the payment request includes payment information of the order;

[0007] After the block consensus is reached on the payment information, the payment request is sent to the message server, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request;

[0008] In response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation, performing payment processing based on the payment information;

[0009] After block consensus is reached on the payment result, the payment result is sent to the message server, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

[0010] In some embodiments, before the block consensus is performed on the payment information, the process further includes:

[0011] Generate first transaction information corresponding to the payment information, and add the first transaction information to the payment request;

[0012] The payment processing instruction includes second transaction information;

[0013] Before performing payment processing based on the payment information, the method further includes:

[0014] It is determined that the second transaction information is the same as the first transaction information.

[0015] In some embodiments, before performing payment processing based on the payment information, the method further includes:

[0016] Determine whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions.

[0017] In some embodiments, before performing payment processing based on the payment information, the method further includes:

[0018] If it is determined that the on-chain transaction account corresponding to the payment information does not exist, an on-chain transaction account corresponding to the payment information is created.

[0019] In some embodiments, it also includes:

[0020] Receiving an extraction request sent by the acquiring system, wherein the extraction request includes extraction information of the electronic resources;

[0021] After the block consensus is reached on the extraction information, the extraction request is sent to the message server, so that the payment system performs an on-chain extraction preparation operation after listening to the extraction request;

[0022] In response to an extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, performing extraction processing based on the extraction information;

[0023] After the block consensus is reached on the extraction result, the extraction result is sent to the message server, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

[0024] In a second aspect, an embodiment of the present application provides a payment device, including:

[0025] A receiving module, used to receive a payment request sent by the acquiring system, wherein the payment request includes payment information of the order;

[0026] A first sending module is used to send the payment request to the message server after the block consensus is reached on the payment information, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request;

[0027] A payment module, configured to perform payment processing based on the payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation;

[0028] The second sending module is used to send the payment result to the message server after the block consensus is reached on the payment result, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

[0029] In some embodiments, a processing module and a determination module are further included:

[0030] The processing module is used to generate first transaction information corresponding to the payment information before performing block consensus on the payment information, and add the first transaction information to the payment request;

[0031] The payment processing instruction includes second transaction information;

[0032] The determination module is used to determine that the second transaction information is the same as the first transaction information before performing payment processing based on the payment information.

[0033] In some embodiments, it also includes:

[0034] The payment judgment module is used to determine whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions before performing payment processing based on the payment information.

[0035] In some embodiments, it also includes:

[0036] A creation module is used to create an on-chain transaction account corresponding to the payment information before performing payment processing based on the payment information if it is determined that the on-chain transaction account corresponding to the payment information does not exist.

[0037] In some embodiments, an extraction module is also included.

[0038] The receiving module is further used to receive an extraction request sent by the acquiring system, wherein the extraction request includes extraction information of the electronic resources;

[0039] The first sending module is further used to send the extraction request to the message server after the block consensus is performed on the extraction information, so that the payment system performs an on-chain extraction preparation operation after monitoring the extraction request;

[0040] The extraction module is used to respond to the extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, and perform extraction processing based on the extraction information;

[0041] The second sending module is also used to send the extraction result to the message server after the block consensus is reached on the extraction result, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

[0042] In a third aspect, an embodiment of the present application provides a payment processing system, including:

[0043] The acquiring system is used to send a payment request to a node in the blockchain, wherein the payment request includes payment information of the order; and is also used to display response information of the payment request after monitoring the payment result from the message server;

[0044] A node in the blockchain, configured to send the payment request to the message server after reaching a block consensus on the payment information; perform payment processing based on the payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation; and send the payment result to the message server after reaching a block consensus on the payment result;

[0045] The payment system is used to perform an on-chain payment preparation operation after monitoring the payment request from the message server.

[0046] In a fourth aspect, an embodiment of the present application provides an electronic device, comprising: at least one processor, and a memory communicatively connected to the at least one processor, wherein:

[0047] The memory stores instructions that can be executed by at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the above-mentioned payment method.

[0048] In a fifth aspect, an embodiment of the present application provides a storage medium. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device can execute the above-mentioned payment method.

[0049] In a sixth aspect, an embodiment of the present application provides a computer program product, which, when called and executed by an electronic device, enables the electronic device to execute the above-mentioned payment method.

[0050] In the embodiment of the present application, the node in the blockchain receives the payment request sent by the acquiring system, and after the block consensus is reached on the payment information contained in the payment request, the node sends the payment request to the message server, so that the payment system performs the payment preparation operation on the chain after listening to the payment request from the message server, responds to the payment processing instruction sent by the payment system after completing the payment preparation operation on the chain, performs payment processing based on the payment information, and after the block consensus is reached on the payment result, sends the payment result to the message server, so that the acquiring system displays the response information of the payment request after listening to the payment result. In this way, multiple intermediaries can be skipped during cross-border payments, so the payment efficiency is relatively high and the payment cost is relatively low, and with the help of the tamper-proof characteristics of the blockchain, it is also easy to identify the responsible party in the event of a dispute. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0052] Figure 1 An interactive flow chart of a payment method provided in an embodiment of the present application;

[0053] Figure 2 An interactive flow chart of another payment method provided in an embodiment of the present application;

[0054] Figure 3 A flow chart of a payment method provided in an embodiment of the present application;

[0055] Figure 4 A flowchart of another payment method provided in an embodiment of the present application;

[0056] Figure 5 A flowchart of another payment method provided in an embodiment of the present application;

[0057] Figure 6 A schematic diagram of the structure of a payment device provided in an embodiment of the present application;

[0058] Figure 7 A schematic diagram of the hardware structure of an electronic device for implementing a payment method provided in an embodiment of the present application. DETAILED DESCRIPTION

[0059] In order to solve the problems of low payment efficiency, high payment cost and difficulty in identifying the responsible party in the event of a dispute existing in cross-border payment solutions in related technologies, the embodiments of the present application provide a payment method, device, electronic device and storage medium.

[0060] The preferred embodiments of the present application are described below in conjunction with the drawings of the specification. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present application, and are not used to limit the present application. In the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. In addition, in the embodiments of the present application, the acquisition, storage, use, and processing of data are in compliance with the relevant provisions of national laws and regulations.

[0061] In order to facilitate the understanding of this application, the technical terms involved in this application are:

[0062] Blockchain, a distributed shared ledger and database, has the characteristics of decentralization, immutability, full traceability, traceability, collective maintenance, openness and transparency. Blockchain generally includes multiple nodes, each of which is an electronic device such as a server, terminal, etc.

[0063] Block consensus refers to a distributed algorithm that can ensure the consistency of ledger data in each node in the blockchain. Algorithms that can be used for block consensus include Proof of Work (PoW), Proof-of-Stake (PoS), Paxos, Raft, Robust Byzantine Fault-Tolerant (PBFT), etc.

[0064] The message server can deploy Kafka to achieve asynchronous communication between the acquiring system and the payment system. Kafka is a high-throughput distributed publish-subscribe message system that can handle all action stream data in consumer-scale websites. It has the characteristics of high performance, good persistence, and strong horizontal expansion capabilities.

[0065] The acquiring system may include multiple business service devices.

[0066] A payment system may include multiple payment devices and generally refers to a cross-border payment system.

[0067] Electronic resources are a type of electronic currency that serves as an equivalent exchange. For example, the values ​​of different currencies on the Internet and DC / EP coin strings can all be considered electronic resources.

[0068] DC / EP is provided by the People's Bank of China and operated by operating institutions. It is based on an account system, supports loose coupling of accounts, is completely equivalent to banknotes and coins, and is a controllable anonymous payment tool with value characteristics and unlimited legal tender.

[0069] DC / EP coin string is the electronic resource that users can pay or withdraw through accounts opened by DC / EP operating institutions.

[0070] The present application embodiment provides a payment processing system, including:

[0071] The acquiring system is used to send payment requests to nodes in the blockchain, which contain payment information for the order; it is also used to display the response information of the payment request after monitoring the payment result from the message server;

[0072] A node in the blockchain, used to send a payment request to a message server after reaching a block consensus on the payment information in the payment request, respond to a payment processing instruction sent by the payment system after completing the payment preparation operation on the chain, perform payment processing based on the payment information, and send a payment result to the message server after reaching a block consensus on the payment result;

[0073] The payment system is used to perform on-chain payment preparation operations after listening to payment requests from the message server, and send payment processing instructions to nodes in the blockchain after completing the on-chain payment preparation operations.

[0074] In this way, multiple intermediaries can be skipped during cross-border payments, so payment efficiency is relatively high and payment costs are relatively low. With the help of the tamper-proof nature of blockchain, it is also easy to identify the responsible party when a dispute occurs.

[0075] In some embodiments, the acquiring system is further used to send an extraction request to a node in the blockchain, the extraction request including extraction information of the electronic resource; and display response information of the extraction request after monitoring the extraction result from the message server;

[0076] The node in the blockchain is further used to send an extraction request to the message server after reaching a block consensus on the extraction information in the extraction request, respond to the extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, perform extraction processing based on the extraction information, and send the extraction result to the message server after reaching a block consensus on the extraction result;

[0077] The payment system is also used to perform an on-chain extraction preparation operation after listening to an extraction request from a message server, and send an extraction processing instruction to a node in the blockchain after completing the on-chain extraction preparation operation.

[0078] In this way, the extraction of electronic resources is completed with the help of blockchain, which is conducive to tracing the whereabouts of electronic resources, thereby ensuring the security of the flow of electronic resources.

[0079] In specific implementation, the blockchain may include at least 4 nodes, the payment system may connect to two nodes, and the acquiring system may connect to two nodes. Both the payment system and the acquiring system may integrate the blockchain's Software Development Kit (SDK). In order to ensure the asynchronous communication requirements between the payment system and the acquiring system, the node may push the transaction information required by the payment system and the acquiring system to the message server (deploy kafka), and the payment system and the acquiring system monitor their respective topics on kafka, thus realizing the connection of the entire network process.

[0080] The above payment processing system is applicable to both scenarios where domestic users purchase goods from overseas merchants and scenarios where overseas users purchase goods from domestic merchants. Moreover, when domestic users purchase goods from overseas merchants, the acquiring system can be an overseas acquiring system, and when overseas users purchase goods from domestic merchants, the acquiring system can be a domestic acquiring system. Subsequently, the payment processing system and payment method of the embodiment of the present application will be introduced by taking the scenario where domestic users purchase goods from overseas merchants as an example.

[0081] The interactive process of the payment method proposed in this application is introduced below with a specific embodiment.

[0082] Figure 1A schematic diagram of an interactive process of a payment method provided in an embodiment of the present application, wherein the interactive process corresponds to a cross-border payment process of a user after placing an order, and includes the following steps.

[0083] In step S101, the blockchain receives a payment request sent by the acquiring system, which includes payment information of the order.

[0084] Among them, the payment information of the order includes DC / EP coin string, the number of electronic resources of the order, the digital wallet identifier of the payer, the digital wallet identifier of the payee, etc. Generally, the acquiring system can send a payment request to the blockchain through the installed blockchain SDK, thereby putting the payment information of the order on the chain.

[0085] In step S102, the blockchain generates first transaction information corresponding to the payment information and adds the first transaction information to the payment request.

[0086] In order to ensure the authenticity and uniqueness of the payment information of an order, first transaction information corresponding to the payment information may be generated and added to the payment request.

[0087] In step S103, the blockchain performs block consensus on the content in the payment request.

[0088] The payment information and the first transaction information in the payment request will be processed through consensus with the nodes in the blockchain.

[0089] In step S104, the blockchain sends a payment request to the message server.

[0090] The payment request includes payment information and first transaction information.

[0091] In step S105, after the payment system monitors the payment request from the message server, it performs the on-chain payment preparation operation.

[0092] During the specific implementation, the payment system performs on-chain payment preparation operations such as payment account legitimacy check, payment completeness check, payment amount freeze, check on the existence of the payer's on-chain account, check on the existence of the payee's on-chain account, etc.

[0093] In step S106, after completing the on-chain payment preparation operation, the payment system sends a payment processing instruction to the blockchain, and the payment processing instruction includes the second transaction information.

[0094] The payment processing instruction is used to instruct the processing of a payment request.

[0095] In step S107, the blockchain responds to the payment processing instruction and determines whether the second transaction information is the same as the first transaction information. If not, it enters S108, and if so, it enters S109.

[0096] In specific implementation, if the second transaction information is the same as the first transaction information, it means that the payment to be made is a transaction generated by a real order. If the second transaction information is different from the first transaction information, it means that the payment to be made may have been tampered with and is not a transaction generated by a real order, that is, an illegal transaction.

[0097] In step S108, the blockchain sends payment failure information to the payment system.

[0098] In step S109, if the blockchain determines that the on-chain transaction account corresponding to the payment information does not exist, it creates an on-chain transaction account corresponding to the payment information.

[0099] Generally speaking, the on-chain transaction accounts corresponding to the payment information include the on-chain account of the payer and the on-chain account of the payee. If one of them is missing, the transaction on the blockchain cannot be completed.

[0100] In step S110, the blockchain determines whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions. If not, it goes to S108, and if so, it goes to S111.

[0101] Among them, the preset payment conditions include that the electronic resources in the payer's on-chain account are legal, the payer's on-chain account is in normal use, the payee's on-chain account is in normal use, the value of the electronic resources in the payer's on-chain account is greater than the value of the electronic resources to be paid, and the payee's on-chain account can be remitted into the payment currency selected by the payer, etc.

[0102] In step S111, the blockchain performs payment processing based on the payment information.

[0103] That is, a corresponding amount of electronic resources is deducted from the payer's on-chain account, and a corresponding amount of electronic resources is added to the payee's on-chain account.

[0104] In step S112, the blockchain performs block consensus on the payment result.

[0105] In step S113, the blockchain sends the payment result to the message server and the payment system.

[0106] In step S114, after monitoring the payment result from the message server, the acquiring system displays the response information of the payment request.

[0107] For example, the acquiring system may display the payment success information when the payment result is a successful payment, and display the payment failure information when the payment result is a failed payment.

[0108] Figure 2A schematic diagram of an interaction process of another payment method provided in an embodiment of the present application, wherein the interaction process corresponds to a process in which a merchant extracts electronic resources, and includes the following steps.

[0109] In step S201, the blockchain receives an extraction request sent by the acquiring system, and the extraction request includes extraction information of electronic resources.

[0110] Among them, the extraction information includes which on-chain account the electronic resources are extracted from, the value of the extracted electronic resources, and which bank account the extracted electronic resources are deposited into.

[0111] In step S202, the blockchain performs block consensus on the extracted information.

[0112] That is, the on-chain account of the withdrawing party is reduced by a corresponding amount of electronic resources, and the bank account of the withdrawing party is increased by a corresponding amount of electronic resources.

[0113] In step S203, the blockchain sends an extraction request to the message server.

[0114] In step S204, after the payment system receives the withdrawal request from the message server, it performs an on-chain withdrawal preparation operation.

[0115] Among them, the on-chain extraction preparation operations include: the on-chain account of the extractor is in normal use, the electronic resources in the on-chain account of the extractor are legal, the value of the electronic resources in the on-chain account of the extractor is greater than the value of the electronic resources to be extracted, etc.

[0116] In step S205, after completing the on-chain extraction preparation operation, the payment system sends an extraction processing instruction to the blockchain.

[0117] The extraction processing instruction is used to instruct the processing of the extraction request.

[0118] In step S206, the blockchain responds to the extraction processing instruction and performs extraction processing based on the extraction information.

[0119] That is, the on-chain account of the withdrawing party is reduced by a corresponding amount of electronic resources.

[0120] In step S207, the blockchain performs block consensus on the extraction results.

[0121] The extraction results include successful extraction and failed extraction.

[0122] In step S208, the blockchain sends the extraction result to the message server.

[0123] In step S209, after monitoring the extraction result from the message server, the acquiring system displays the response information of the extraction request.

[0124] For example, the acquiring system can display the information of successful withdrawal when the withdrawal result is successful, and can display the information of failed withdrawal when the withdrawal result is failed, and can also display the reasons for failure, such as insufficient balance, account frozen, etc.

[0125] The following is an example of the block consensus process in the embodiment of the present application. The transaction information to be subjected to block consensus may be the content in the payment request, the payment result, the content in the extraction request or the extraction result.

[0126] 1. After any node in the blockchain receives transaction information, it can forward the transaction information to the master node, and the master node itself can also directly receive transaction information.

[0127] 2. The master node packages the received transaction information to obtain a block batch, verifies the batch and removes illegal transactions from the batch.

[0128] 3. The master node constructs a PrePrepare message for the processed batch and broadcasts it to other nodes, which refers to the hash value of the broadcast batch transaction.

[0129] 4. After receiving the PrePrepare message from the master node, any node constructs a Prepare message and sends it to other nodes, indicating that the node has received the PrePrepare message from the master node and recognizes the batch sorting of the master node.

[0130] 5. After receiving the Prepare messages from 2f nodes, other nodes verify the legitimacy of the batch messages. After the verification is passed, they broadcast the Commit message to other nodes, indicating that they agree with the verification results of the master node. The value of f is pre-determined by the technicians based on the number of nodes in the blockchain.

[0131] 6. After receiving 2f+1 Commits, the node executes the transactions in the batch and verifies the execution results of the master node. After the verification, it writes the results to the local ledger and verifies the results through the checkpoint.

[0132] After completing the block consensus through the above steps, the electronic resource values ​​of the on-chain accounts related to the transaction will be processed.

[0133] After introducing the interactive process of the payment method provided in the embodiment of the present application, the payment method proposed in the present application is described below with a specific embodiment.

[0134] First, it should be noted that the process executed by the nodes in the blockchain in the embodiment of the present application can be executed in one node in the blockchain, or can be executed in at least two nodes in the blockchain. The embodiment of the present application does not limit this.

[0135] Figure 3 A flow chart of a payment method provided in an embodiment of the present application, which can be applied to a node in a blockchain, and the method includes the following steps.

[0136] In step S301, a payment request sent by the acquiring system is received, and the payment request includes payment information of the order.

[0137] Among them, the payment information of the order includes DC / EP currency string, the number of electronic resources of the order, the digital wallet ID of the payee, the digital wallet ID of the payee, etc.

[0138] In step S302, after block consensus is reached on the payment information, a payment request is sent to the message server, so that the payment system performs on-chain payment preparation operations after monitoring the payment request.

[0139] Among them, on-chain payment preparation operations include payment account legitimacy check, payment completeness check, payment amount freeze, check on whether the payer's on-chain account exists, check on whether the payee's on-chain account exists, etc.

[0140] In step S303, in response to the payment processing instruction sent by the payment system after completing the on-chain payment preparation operation, payment processing is performed based on the payment information.

[0141] In step S304, after block consensus is reached on the payment result, the payment result is sent to the message server, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

[0142] In this way, multiple intermediaries can be skipped during cross-border payments, which is beneficial to improving payment efficiency and saving payment costs. The tamper-proof nature of blockchain also makes it easier to identify the responsible party when a dispute occurs.

[0143] Figure 4 A flowchart of another payment method provided in an embodiment of the present application, which can be applied to a node in a blockchain, and the method includes the following steps.

[0144] In step S401, a payment request sent by the acquiring system is received, and the payment request includes payment information of the order.

[0145] In step S402, first transaction information corresponding to the payment information is generated, and the first transaction information is added to the payment request.

[0146] In step S403, after the payment information and the first transaction information are block-consensused, a payment request is sent to the message server, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request.

[0147] The payment request sent to the message server includes payment information and first transaction information.

[0148] In step S404, a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation is received, and the payment processing instruction includes the second transaction information.

[0149] Generally, if the payment system does not modify the first transaction information in the payment request, the second transaction information is the same as the first transaction information.

[0150] In step S405, it is determined whether the second transaction information is the same as the first transaction information. If not, the process proceeds to S406; if so, the process proceeds to S407.

[0151] In step S406, it is determined that the payment has failed.

[0152] In step S407, if it is determined that the on-chain transaction account corresponding to the payment information does not exist, an on-chain transaction account corresponding to the payment information is created.

[0153] In step S408, it is determined whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions. If not, proceed to S406; if so, proceed to S409.

[0154] In step S409, payment processing is performed based on the payment information.

[0155] In step S410, after block consensus is reached on the payment result, the payment result is sent to the message server, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

[0156] In this way, multiple intermediaries can be skipped during cross-border payments, which improves payment efficiency and saves payment costs. In addition, the tamper-proof nature of blockchain makes it easier to identify the responsible party in the event of a dispute. Moreover, the reliability of cross-border transactions can be improved by judging transaction flow information and payment conditions.

[0157] Figure 5 A flowchart of another payment method provided in an embodiment of the present application, which can be applied to a node in a blockchain, and the method includes the following steps.

[0158] In step S501, an extraction request sent by the acquiring system is received, where the extraction request includes extraction information of electronic resources.

[0159] Among them, the extraction information includes which on-chain account the electronic resources are extracted from, the value of the extracted electronic resources, and which bank account the extracted electronic resources are deposited into.

[0160] In step S502, after the block consensus is reached on the extraction information, an extraction request is sent to the message server, so that the payment system performs an on-chain extraction preparation operation after listening to the extraction request.

[0161] Among them, the on-chain extraction preparation operations include: the on-chain account of the extractor is in normal use, the electronic resources in the on-chain account of the extractor are legal, the value of the electronic resources in the on-chain account of the extractor is greater than the value of the electronic resources to be extracted, etc.

[0162] In step S503, in response to the withdrawal processing instruction sent by the payment system after completing the on-chain withdrawal preparation operation, withdrawal processing is performed based on the withdrawal information.

[0163] Among them, the extraction processing instruction is used to instruct the processing of the extraction request. The extraction processing is to reduce the corresponding number of electronic resources in the on-chain account of the extractor and increase the corresponding number of electronic resources in the bank account of the extractor.

[0164] In step S504, after the block consensus is reached on the extraction result, the extraction result is sent to the message server, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

[0165] In this way, the withdrawal speed can be improved, and with the help of the tamper-proof nature of blockchain, the traceability of withdrawals can also be improved.

[0166] When the method provided in the embodiments of the present application is implemented by software or hardware or a combination of software and hardware, the electronic device may include multiple functional modules, and each functional module may include software, hardware or a combination thereof.

[0167] Based on the same technical concept, the embodiment of the present application also provides a payment device. The principle of solving the problem by the payment device is similar to that of the above-mentioned payment method. Therefore, the implementation of the payment device can refer to the implementation of the payment method, and the repeated parts will not be repeated.

[0168] Figure 6 A schematic diagram of the structure of a payment device provided in an embodiment of the present application includes a receiving module 601, a first sending module 602, a payment module 603, and a second sending module 604.

[0169] The receiving module 601 is used to receive a payment request sent by the acquiring system, wherein the payment request includes payment information of the order;

[0170] The first sending module 602 is used to send the payment request to the message server after the block consensus is reached on the payment information, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request;

[0171] A payment module 603, configured to perform payment processing based on the payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation;

[0172] The second sending module 604 is used to send the payment result to the message server after the block consensus is reached on the payment result, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

[0173] In some embodiments, a processing module 605 and a determination module 606 are further included:

[0174] The processing module 605 is used to generate first transaction information corresponding to the payment information before performing block consensus on the payment information, and add the first transaction information to the payment request;

[0175] The payment processing instruction includes second transaction information;

[0176] The determination module 606 is used to determine whether the second transaction information is the same as the first transaction information before performing payment processing based on the payment information.

[0177] In some embodiments, it also includes:

[0178] The payment determination module 607 is used to determine whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions before performing payment processing based on the payment information.

[0179] In some embodiments, it also includes:

[0180] The creation module 608 is used to create an on-chain transaction account corresponding to the payment information if it is determined that the on-chain transaction account corresponding to the payment information does not exist before performing payment processing based on the payment information.

[0181] In some embodiments, an extraction module 609 is also included.

[0182] The receiving module 601 is further used to receive an extraction request sent by the acquiring system, wherein the extraction request includes extraction information of electronic resources;

[0183] The first sending module 602 is further used to send the extraction request to the message server after the block consensus is performed on the extraction information, so that the payment system performs an on-chain extraction preparation operation after monitoring the extraction request;

[0184] The extraction module 609 is used to respond to the extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, and perform extraction processing based on the extraction information;

[0185] The second sending module 604 is further used to send the extraction result to the message server after the block consensus is reached on the extraction result, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

[0186] The division of modules in the embodiments of the present application is schematic and is only a logical function division. There may be other division methods in actual implementation. In addition, the functional modules in the embodiments of the present application may be integrated in a processor, or may exist physically separately, or two or more modules may be integrated in one module. The coupling between the modules may be achieved through some interfaces, which are usually electrical communication interfaces, but it is not excluded that they may be mechanical interfaces or other forms of interfaces. Therefore, the modules described as separate components may or may not be physically separated, and may be located in one place or distributed to different locations of the same or different devices. The above-mentioned integrated modules may be implemented in the form of hardware or in the form of software functional modules.

[0187] After introducing the payment method and device according to the exemplary embodiment of the present application, next, an electronic device according to another exemplary embodiment of the present application is introduced.

[0188] In some possible implementations, the electronic device of the present application may include at least one processor and at least one memory, wherein the memory stores program code, and when the program code is executed by the processor, the processor executes the method according to various exemplary implementations of the present application described above in this specification.

[0189] Refer to the following Figure 7 The electronic device 130 implemented according to this embodiment of the present application is described. Figure 7 The electronic device 130 shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0190] like Figure 7As shown, the electronic device 130 is in the form of a general electronic device. The components of the electronic device 130 may include but are not limited to: the at least one processor 131, the at least one memory 132, and a bus 133 connecting different system components (including the memory 132 and the processor 131).

[0191] Bus 133 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, or a local bus using any of a variety of bus architectures.

[0192] The memory 132 may include a readable medium in the form of a volatile memory, such as a random access memory (RAM) 1321 and / or a cache memory 1322 , and may further include a read-only memory (ROM) 1323 .

[0193] The memory 132 may also include a program / utility 1325 having a set (at least one) of program modules 1324, such program modules 1324 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0194] The electronic device 130 may also communicate with one or more external devices 134 (e.g., keyboards, pointing devices, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 130, and / or communicate with any device that enables the electronic device 130 to communicate with one or more other electronic devices (e.g., routers, modems, etc.). Such communication may be performed via an input / output (I / O) interface 135. Furthermore, the electronic device 130 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 136. As shown, the network adapter 136 communicates with other modules for the electronic device 130 via a bus 133. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 130, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0195] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory 132 including instructions, and the instructions can be executed by the processor 131 to complete the payment method. Optionally, the storage medium can be a non-transitory computer-readable storage medium, for example, the non-transitory computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0196] In an exemplary embodiment, a computer program product is also provided. When the computer program product is called and executed by an electronic device, the electronic device executes any exemplary method provided in the present application.

[0197] Furthermore, the computer program product may use any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a RAM, a ROM, an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a compact disk read only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0198] The program product for payment in the embodiment of the present application may adopt a CD-ROM and include program code, and can be run on a computing device. However, the program product of the present application is not limited thereto, and in this document, a readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, apparatus, or device.

[0199] The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, wherein the readable program code is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The readable signal medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0200] The program code contained on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, optical cable, radio frequency (RF), etc., or any suitable combination of the foregoing.

[0201] The program code for performing the operation of the present application can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and also conventional procedural programming languages ​​such as "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, as an independent software package, partially on the user computing device, partially on the remote computing device, or completely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network such as a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0202] It should be noted that, although several units or subunits of the device are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to the embodiments of the present application, the features and functions of two or more units described above can be embodied in one unit. Conversely, the features and functions of one unit described above can be further divided into multiple units to be embodied.

[0203] In addition, although the operations of the method of the present application are described in a specific order in the drawings, this does not require or imply that the operations must be performed in this specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0204] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0205] The present application is described with reference to the flowcharts and / or block diagrams of the methods, apparatus (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0206] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0207] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0208] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.

[0209] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A payment method, characterized in that: include: The node in the blockchain receives the payment request sent by the acquiring system, wherein the payment request includes payment information of the order; After the block consensus is reached on the payment information, the payment request is sent to the message server, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request; In response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation, performing payment processing based on the payment information; After block consensus is reached on the payment result, the payment result is sent to the message server, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

2. The method according to claim 1, characterized in that Before the block consensus on the payment information is reached, it also includes: Generate first transaction information corresponding to the payment information, and add the first transaction information to the payment request; The payment processing instruction includes second transaction information; Before performing payment processing based on the payment information, the method further includes: It is determined that the second transaction information is the same as the first transaction information.

3. The method according to claim 1 or 2, characterized in that Before performing payment processing based on the payment information, the method further includes: Determine whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions.

4. The method according to claim 3, characterized in that Before performing payment processing based on the payment information, the method further includes: If it is determined that the on-chain transaction account corresponding to the payment information does not exist, an on-chain transaction account corresponding to the payment information is created.

5. The method according to claim 1, characterized in that Also includes: Receiving an extraction request sent by the acquiring system, wherein the extraction request includes extraction information of the electronic resources; After the block consensus is reached on the extraction information, the extraction request is sent to the message server, so that the payment system performs an on-chain extraction preparation operation after listening to the extraction request; In response to an extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, performing extraction processing based on the extraction information; After the block consensus is reached on the extraction result, the extraction result is sent to the message server, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

6. A payment device, applied to a node in a blockchain, characterized in that: include: A receiving module, used to receive a payment request sent by the acquiring system, wherein the payment request includes payment information of the order; A first sending module is used to send the payment request to the message server after the block consensus is reached on the payment information, so that the payment system performs the on-chain payment preparation operation after monitoring the payment request; A payment module, configured to perform payment processing based on the payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation; The second sending module is used to send the payment result to the message server after the block consensus is reached on the payment result, so that the acquiring system displays the response information of the payment request after monitoring the payment result.

7. The device according to claim 6, characterized in that It also includes processing modules and determination modules: The processing module is used to generate first transaction information corresponding to the payment information before performing block consensus on the payment information, and add the first transaction information to the payment request; The payment processing instruction includes second transaction information; The determination module is used to determine that the second transaction information is the same as the first transaction information before performing payment processing based on the payment information.

8. The device according to claim 6 or 7, characterized in that Also includes: The payment judgment module is used to determine whether the on-chain transaction account corresponding to the payment information meets the preset payment conditions before performing payment processing based on the payment information.

9. The device according to claim 8, characterized in that Also includes: A creation module is used to create an on-chain transaction account corresponding to the payment information before performing payment processing based on the payment information if it is determined that the on-chain transaction account corresponding to the payment information does not exist.

10. The device according to claim 6, characterized in that Also includes extraction modules, The receiving module is further used to receive an extraction request sent by the acquiring system, wherein the extraction request includes extraction information of the electronic resources; The first sending module is further used to send the extraction request to the message server after the block consensus is performed on the extraction information, so that the payment system performs an on-chain extraction preparation operation after monitoring the extraction request; The extraction module is used to respond to the extraction processing instruction sent by the payment system after completing the on-chain extraction preparation operation, and perform extraction processing based on the extraction information; The second sending module is also used to send the extraction result to the message server after the block consensus is reached on the extraction result, so that the acquiring system displays the response information of the extraction request after monitoring the extraction result.

11. A payment processing system, characterized in that: include: The acquiring system is used to send a payment request to a node in the blockchain, wherein the payment request includes payment information of the order; and is also used to display response information of the payment request after monitoring the payment result from the message server; A node in the blockchain, configured to send the payment request to the message server after reaching a block consensus on the payment information; perform payment processing based on the payment information in response to a payment processing instruction sent by the payment system after completing the on-chain payment preparation operation; and send the payment result to the message server after reaching a block consensus on the payment result; The payment system is used to perform an on-chain payment preparation operation after monitoring the payment request from the message server.

12. An electronic device, characterized in that: include: at least one processor, and a memory communicatively connected to the at least one processor, wherein: The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can perform the method according to any one of claims 1 to 5.

13. A storage medium, characterized in that: When the instructions in the storage medium are executed by a processor of an electronic device, the electronic device can execute the method as claimed in any one of claims 1 to 5.

14. A computer program product, characterized in that When the computer program product is called and executed by an electronic device, the electronic device executes the method according to any one of claims 1 to 5.

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