Block chain technology-based exchange payment method and device, equipment and medium

Abstract

The invention discloses an exchange payment method and device based on a block chain technology, equipment and a medium, and the method comprises the steps: receiving a payment request, carrying out the verification through a request verification rule, and judging whether a collection account corresponding to the payment request meets a direct payment condition or not if the verification result is successful, and if not, exchanging the payment request according to the aggregate exchange pool and the collection account to obtain payment exchange information, performing deduction settlement according to the payment exchange information, recording to obtain payment record information, generating block information corresponding to the payment request and the payment record information, and sending the block information to a block chain network for distributed storage. According to the exchange payment method based on the block chain technology, if the verification result of the legality verification is that the verification result is passed and does not meet the direct payment condition, the payment exchange information is obtained through the aggregation exchange pool, and deduction settlement is performed, so that payment of various currencies can be accepted, and the influence of fluctuation of an exchange ratio is reduced; therefore, the payment and settlement efficiency and stability are improved.

Description

Technical Field

[0001] The present invention relates to the field of smart financial technology, and in particular to an exchange payment method and device, equipment and medium based on blockchain technology. Background Art

[0002] With the rapid development of online payments, cross-currency payments are gradually gaining adoption. However, existing trading platforms typically use fixed currencies, requiring users to switch to a specific currency-specific trading platform to make payments. This results in inconsistencies in payment methods, makes centralized fund management difficult, and creates numerous payment issues for users. Existing technologies are unable to simultaneously accept payments in multiple currencies. If the exchange rate of a single currency fluctuates, payment settlements can also experience deviations in the amount, impacting the stability of payment settlements. Consequently, existing payment methods suffer from the inability to simultaneously accept payments in multiple currencies. Summary of the Invention

[0003] The embodiments of the present invention provide a blockchain-based exchange payment method, device, equipment, and medium, which aim to solve the problem that existing payment methods cannot accept payments in multiple currencies at the same time.

[0004] In a first aspect, an embodiment of the present invention provides an exchange payment method based on blockchain technology, which is applied to a transaction management server, wherein the transaction management server establishes communication connections with a merchant terminal and a blockchain network respectively to realize data information transmission, wherein the method includes: If a payment request is received from the merchant terminal, the payment request is verified for legitimacy according to a preset request verification rule to obtain a corresponding verification result; If the verification result is passed, determining whether the receiving account corresponding to the payment request meets the preset direct payment conditions; If the direct payment condition is not met, the payment amount in the payment request is exchanged according to the preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information; Deduct and settle the payment according to the payment exchange information and record the corresponding payment record information; Generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

[0005] In a second aspect, an embodiment of the present invention further provides an exchange and payment device based on blockchain technology, wherein the exchange and payment device is configured on a transaction management server, and the transaction management server establishes communication connections with the merchant terminal and the blockchain network respectively to realize the transmission of data information. The device is used to execute the exchange and payment method based on blockchain technology as described in the first aspect above, and the device includes: a verification unit configured to, upon receiving a payment request from the merchant terminal, perform a validity verification on the payment request according to a preset request verification rule and obtain a corresponding verification result; a determination unit, configured to determine, if the verification result is passed, whether the receiving account corresponding to the payment request satisfies a preset direct payment condition; an exchange unit, configured to exchange the payment amount in the payment request according to a preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information if the direct payment condition is not met; a payment record information acquisition unit, configured to deduct and settle payments according to the payment exchange information and record corresponding payment record information; A block information sending unit is used to generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

[0006] In a third aspect, an embodiment of the present invention further provides a computer device, wherein the device includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus; Memory for storing computer programs; The processor is configured to implement the steps of the exchange and payment method based on blockchain technology described in the first aspect when executing the program stored in the memory.

[0007] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, the steps of the exchange and payment method based on blockchain technology as described in the first aspect above are implemented.

[0008] The embodiment of the present invention provides an exchange payment method, device, equipment and medium based on blockchain technology. The method includes: receiving a payment request and verifying it through a request verification rule. If the verification result is passed, it is determined whether the receiving account corresponding to the payment request meets the direct payment conditions. If not, the payment request is exchanged according to the aggregated exchange pool and the receiving account to obtain payment exchange information. According to the payment exchange information, deductions and settlements are performed and the payment record information is recorded. Block information corresponding to the payment request and the payment record information is generated and sent to the blockchain network for distributed storage. The above-mentioned exchange payment method based on blockchain technology verifies the legitimacy and determines whether the direct payment conditions are met. If the verification result is passed and the direct payment conditions are not met, the payment exchange information is obtained through the aggregated exchange pool and deductions and settlements are performed. It can accept payments in multiple currencies and reduce the impact of exchange rate fluctuations, thereby improving the efficiency and stability of payment settlement. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0010] Figure 1 A flowchart of a method for redemption and payment based on blockchain technology provided by an embodiment of the present invention; Figure 2 A schematic diagram of an application scenario of the exchange and payment method based on blockchain technology provided by an embodiment of the present invention; Figure 3 A schematic block diagram of an exchange and payment device based on blockchain technology provided by an embodiment of the present invention; Figure 4 It is a schematic block diagram of a computer device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0011] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0012] It will be understood that when used in this specification and the appended claims, the terms “comprises” and “comprising” indicate the presence of described features, integers, steps, operations, elements and / or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof.

[0013] It should also be understood that the terms used in the present specification are only for the purpose of describing particular embodiments and are not intended to limit the present invention. As used in the present specification and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms unless the context clearly indicates otherwise.

[0014] It should be further understood that the term "and / or" used in the present description and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

[0015] The embodiment of the present invention provides an exchange payment method based on blockchain technology, which is applied to a transaction management server. The transaction management server executes a stored software program to implement the above-mentioned exchange payment method based on blockchain technology. The transaction management server is a server configured within a financial institution for payment request processing and exchange payment settlement. The transaction management server can be a cluster server. Figure 2 As shown, the transaction management server 10 establishes communication connections with the merchant terminal 20 and the blockchain network 30 respectively to realize the transmission of data information. The merchant terminal 20 is also the settlement terminal configured on the merchant side. The operator can input the corresponding payment request at the merchant terminal 20, and the merchant terminal 20 sends the payment request to the transaction management server 10 to execute the corresponding exchange payment settlement processing. The blockchain network 30 is also a distributed network constructed by interconnecting management nodes and blockchain nodes. One or more management nodes and multiple blockchain nodes can be configured in a blockchain network 30. The transaction management server 10 in the embodiment of the present application can be configured as a blockchain node in the blockchain network 30. The blockchain network 30 can be a distributed data processing network constructed based on the consortium chain (Hyperledger Fabric). In the specific application process, the transaction management server 10 can simultaneously establish communication connections with multiple merchant terminals 20 and multiple blockchain networks 30.

[0016] like Figure 1 As shown, the method includes steps S110 to S150.

[0017] S110: If a payment request is received from the merchant terminal, the payment request is verified for legitimacy according to a preset request verification rule to obtain a corresponding verification result.

[0018] The merchant terminal can initiate a payment request. Upon receiving the payment request, the transaction management server will perform a validity check on the payment request based on the request verification rules, thereby obtaining a verification result indicating whether the request has passed the validity check. If the payment request is valid, the verification result indicates a pass; if the payment request is invalid, the verification result indicates a fail.

[0019] In a specific embodiment, step S110 includes sub-steps: determining whether the payment currency in the payment request matches the valid currency in the request verification rule; if the payment currency matches the valid currency, determining whether the account balance of the payment account corresponding to the payment request satisfies the payment amount in the payment request, and obtaining a verification result of whether it passes; if the payment currency does not match the valid currency, obtaining a verification result of failure.

[0020] The payment request includes the payment currency. A check is performed to determine whether the payment currency matches a valid currency specified in the request verification rules. The request verification rules can specify one or more valid currencies; the payment currency only needs to match one of the valid currencies specified in the request verification rules. The transaction management server stores each user's payment account, which includes information such as the account name and account balance. If the payment currency matches any valid currency, the check is further performed to determine whether the balance of the payment account corresponding to the payment request meets the payment amount specified in the payment request. For example, the check is performed to determine whether the account balance exceeds the payment amount. If so, the check is considered passed; if not, the check is considered failed. Furthermore, the check is performed to determine whether the account balance exceeds the payment amount multiplied by a default coefficient. For example, if the default coefficient is set to 1.05, the payment amount can be calculated by multiplying the default coefficient alone. The check is then performed to determine whether the account balance exceeds this product. If so, the check is considered passed; if not, the check is considered failed.

[0021] In a specific embodiment, before performing the legitimacy verification on the payment request according to the preset request verification rules, it also includes: obtaining verification information corresponding to the credit information in the payment request according to the preset comparison verification rules; judging whether the verification information matches the verification code of the payment account corresponding to the payment request, and obtaining the corresponding identity verification result; if the identity verification result is passed, executing the step of performing the legitimacy verification on the payment request according to the preset request verification rules.

[0022] Before verifying the legitimacy of a payment request, verification information corresponding to the authorization information in the payment request can also be obtained based on pre-set comparison and verification rules. The payment request includes authorization information such as the account name, authorization code, and terminal parameters. The account name is the name information that the user enters when registering a payment account, and the authorization code is the authorization code assigned to the user by the transaction management server when the user registers the payment account. The authorization code is different for different users. The terminal parameters are the corresponding parameter information obtained by identifying the system configuration in the merchant terminal. The terminal parameters can be parameters such as the system login identifier (such as MSA, Microsoft System Account Identifier) ​​and the Security Identifier (SID).

[0023] The various pieces of information in the authorization information can be sequentially combined (for example, the account name, authorization code, and system login ID) to obtain a combined string. Verification information corresponding to the combined string can then be obtained based on the comparison and verification rules. Specifically, the comparison and verification rules can include a verification function that is used to calculate the combined string to obtain the corresponding verification information. If the verification function is set to a hash function, the combined string can be hashed using the hash function to obtain the corresponding digest as verification information. For information of any length (calculated in bits), the hash function (SHA256, Secure Hash Algorithm 256) will generate 32-byte data.

[0024] When a user registers a payment account, the transaction management server generates a verification code corresponding to the payment account based on the verification function in the comparison verification rules. The transaction management server binds the generated verification code to the payment account and stores it. After obtaining the verification information, it can determine whether the verification information matches the verification code in the payment account corresponding to the payment request, thereby obtaining the identity verification result. If the verification information is consistent with the corresponding verification code, that is, the verification information matches the corresponding verification code, the identity verification result obtained is passed; if the verification information is inconsistent with the corresponding verification code, that is, the verification information does not match the corresponding verification code, the identity verification result obtained is failed. If the identity verification result is passed, the legitimacy verification step is continued. If the identity verification result is failed, a prompt message indicating the verification failure can be fed back to the merchant terminal, and the processing of the current payment request is terminated.

[0025] S120: If the verification result is passed, determine whether the receiving account corresponding to the payment request meets the preset direct payment conditions.

[0026] If the verification result is passed, the corresponding receiving account can be obtained based on the recipient name in the payment request, and a determination can be made as to whether the payment request and the corresponding receiving account meet the direct payment conditions. If the direct payment conditions are met, direct deduction settlement will be made. If the direct payment conditions are not met, direct deduction settlement will not be made. The receiving currency of the receiving account can be matched with the payment currency in the payment request. The receiving account can have one or more receiving currencies. If the payment currency matches any of the receiving currencies, the direct payment conditions are determined to be met. If the payment currency does not match the receiving currency, the direct payment conditions are determined to be unmet.

[0027] In a specific embodiment, step S120 is followed by the following steps: if the direct payment conditions are met, debiting and settling the payment according to the payment request and recording the corresponding payment record information. If the direct payment conditions are met, the payment account is debited according to the payment request and the funds are transferred to the receiving account, thereby completing the debit settlement. The debit settlement process is recorded to obtain payment record information, which includes information such as the paying account name, receiving account name, transaction amount, transaction currency, transaction time, and transaction category.

[0028] S130: If the direct payment condition is not met, the payment amount in the payment request is exchanged according to a preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information.

[0029] If the direct payment conditions are not met, the transaction management server will exchange the payment amount included in the payment request according to the pre-set aggregate exchange pool to obtain corresponding payment exchange information.

[0030] In a specific embodiment, step S130 includes sub-steps: obtaining the exchange currency in the aggregate exchange pool that matches the collection currency in the collection account; determining the transaction share corresponding to each of the exchange currencies according to the preset aggregate transaction rules and the aggregate exchange pool; performing an exchange calculation on the payment amount in the payment request according to the transaction share corresponding to each of the exchange currencies and the exchange ratio of each exchange currency in the aggregate exchange pool to obtain the target exchange amount corresponding to each of the exchange currencies as the corresponding payment exchange information.

[0031] The aggregated exchange pool consists of multiple currencies, including fiat currencies such as RMB and HKD, as well as digital currencies such as virtual currencies and stablecoins. The exchange currency is a currency in the aggregated exchange pool that matches the payment currency of the receiving account. This often involves multiple currencies.

[0032] The trading share of each exchange currency is determined based on the aggregated trading rules and the aggregated exchange pool. Therefore, the trading shares of different exchange currencies are not equal. If only one exchange currency is included, the trading share of that exchange currency is 100%.

[0033] The aggregated exchange pool includes the exchange ratio for each exchange currency, which is the exchange rate between each exchange currency and the anchor currency (which can be RMB or USD). The target exchange amount for each exchange currency is obtained by multiplying the transaction share of each exchange currency by the payment amount, and then multiplying the product by the exchange ratio of the exchange currency. Each exchange currency can then be assigned a target exchange amount. By performing the exchange calculation in this way, the target exchange amount for each exchange currency can be obtained and used as payment exchange information.

[0034] In a specific embodiment, the determining of the transaction share corresponding to each of the exchange currencies based on the preset aggregate transaction rules and the aggregate exchange pool includes: obtaining the volatility coefficient corresponding to each of the exchange currencies based on the historical exchange ratio of each exchange currency in the aggregate exchange pool; determining the risk coefficient corresponding to each of the exchange currencies based on the historical transaction information of each exchange currency in the aggregate exchange pool; and allocating the volatility coefficient, the risk coefficient, the transaction rate and the market transaction share of each exchange currency in the aggregate exchange pool according to the aggregate transaction rules to determine the transaction share of each of the exchange currencies.

[0035] In the case of multiple exchange currencies, the method for obtaining the transaction share of each exchange currency includes obtaining the volatility coefficient corresponding to the exchange currency based on the historical exchange ratio of each exchange currency in the aggregate exchange pool. The aggregate exchange pool records the changes in the exchange ratio of each exchange currency within a recording period. For example, six recording points are set every day (00:00, 04:00, 08:00, 12:00, 16:00, 18:00, 20:00) and the exchange ratio of the currency is continuously recorded for 30 days as the historical exchange ratio of the currency. The volatility coefficient of the currency is calculated based on the historical exchange ratio. The specific calculation can be expressed by formula (1): (1); Where W is the calculated volatility coefficient, e is the base of natural logarithm, d p is the average of the exchange rates at each record point in the historical exchange rate, d s is the standard deviation of the exchange rate in the historical exchange rate, d max is the maximum value of the exchange rate in the historical exchange rate, d min The minimum exchange rate in the historical exchange rate. s with d p The larger the ratio, the larger the corresponding fluctuation coefficient; maxwith d min The larger the difference between the two, the larger the corresponding volatility coefficient. A larger volatility coefficient indicates that the currency has fluctuated more during the recording period of the historical exchange rate. Based on the above method, a volatility coefficient can be obtained for each exchange currency.

[0036] The aggregated exchange pool also includes historical transaction information for each exchange currency. This historical transaction information is transaction feedback information for payment transactions in the exchange currency within a recorded period, such as transaction feedback information for payment transactions in the currency within 30 consecutive days. If the deduction settlement is successful, the transaction feedback information is successful; if the deduction settlement fails, the transaction feedback information is failed. The risk factor corresponding to each exchange currency is further determined based on the historical transaction information of each exchange currency in the aggregated exchange pool. The proportion of transaction failures in the historical transaction information of each exchange currency is obtained as the corresponding risk factor. Each exchange currency can then obtain a corresponding risk factor.

[0037] The aggregated exchange pool also includes the transaction fee and market share of each exchange currency. The transaction fee is the service fee incurred for making an exchange payment. For example, if the transaction fee is 1.2%, an additional 1.2% service fee will be charged based on the transaction amount. The market share is the ratio of the transaction amount of each currency (in terms of the anchor currency) to the total transaction amount (in terms of the anchor currency). A larger market share indicates a higher amount of payment transactions in that currency.

[0038] According to the aggregated trading rules, the volatility coefficient, risk coefficient, transaction fee rate and market transaction share of the exchange currency are aggregated and allocated to determine the transaction share of each exchange currency. The larger the volatility coefficient, the more unstable the currency value of the corresponding currency. The higher the risk coefficient, the greater the transaction risk of the corresponding currency. The transaction fee rate reflects the transaction cost required to trade through the corresponding currency. The market transaction share can reflect the preference of the corresponding currency in transaction payment. Specifically, the allocation function can be set in the aggregated trading rules, and the transaction share of each exchange currency can be calculated by the allocation function. The allocation function can be expressed as follows: (2); Where W is the volatility coefficient, S is the risk coefficient, J is the transaction fee rate, R is the market transaction share, and F is the calculated allocation coefficient. A larger volatility coefficient corresponds to a smaller allocation coefficient; a larger risk coefficient corresponds to a smaller allocation coefficient; a higher transaction fee corresponds to a smaller allocation coefficient; and a larger market transaction share corresponds to a larger allocation coefficient. Based on the above allocation function, the allocation coefficients for each exchange currency can be calculated separately. These allocation coefficients are then summed to obtain the corresponding cumulative coefficient value. The ratio between the allocation coefficients for each exchange currency and this cumulative coefficient value is calculated, and this ratio serves as the transaction share for that exchange currency. This step performs aggregated transaction share allocation. Determining the transaction share for each exchange currency through allocation not only allows for simultaneous acceptance of multiple currencies, but also reduces the tedious task of frequently switching between transaction currencies, thereby improving payment and settlement efficiency. It also reduces the overall risk of exchange payments by allocating the aggregated transaction share.

[0039] In a specific embodiment, after obtaining the target exchange amount corresponding to each of the exchange currencies as the corresponding payment exchange information, it also includes: calculating the corresponding transaction fee information based on the transaction share corresponding to each of the exchange currencies and the transaction rate of each exchange currency in the aggregated exchange pool; and adding the transaction fee information to the payment exchange information.

[0040] After determining the target exchange amount for each exchange currency, the transaction fee information for each exchange currency can be calculated based on the corresponding transaction share of the exchange currency and the transaction fee rate of each exchange currency in the aggregated exchange pool. Specifically, the transaction share of the exchange currency is multiplied by the payment amount in the payment request, and the resulting product is multiplied by the transaction fee rate of the corresponding exchange currency to obtain the transaction fee information for each exchange currency. The transaction fee information for each exchange currency is added to the payment exchange information.

[0041] S140: Deduct and settle the payment according to the payment exchange information and record the corresponding payment record information.

[0042] Debit settlement is performed based on the payment exchange information. Funds are deducted from the payment account corresponding to the payment request, and the target exchange amount for each payment currency in the payment exchange information is transferred to the receiving account corresponding to the payment request, completing the debit settlement. In addition to deducting the payment amount from the payment account corresponding to the payment request, transaction fees for each exchange currency must also be deducted simultaneously. After debiting the payment account and transferring the target exchange amount to the receiving account, transaction feedback is generated. If the debit settlement is successful, the transaction feedback indicates a successful transaction; if the debit settlement fails, the transaction feedback indicates a failed transaction. If the debit settlement is successful, the transaction settlement process is recorded and the corresponding payment record information is generated. Transferring the target exchange amount to the receiving account requires simultaneous transaction fee settlement, which can be performed using gas assets. Gas can be used to pay for the fees incurred in executing smart contracts and transactions on blockchain networks (such as consortium chains). Operations such as asset transfers and smart contract deployments consume gas assets.

[0043] S150: Generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

[0044] Block information corresponding to the payment request and payment record information can be generated. A set of block information can be generated for each exchange currency in the payment record information. The block information is used to store information about asset transfers in a particular exchange currency. Specifically, for payment information for a particular exchange currency in the payment record information (including information such as the paying account name, receiving account name, transaction amount, transaction currency, transaction time, and transaction category), the hash value of the previous block can be obtained from the blockchain network corresponding to that exchange currency to generate the hash value of the current block (e.g., by using a cryptographic algorithm to generate a unique identifier corresponding to the paying account name, receiving account name, transaction amount, and transaction time in the payment request). The precise time of block generation is obtained as a timestamp, and a nonce and Merkle root are obtained. The hash value of the previous block, the hash value of the current block, the timestamp, the nonce, and the Merkle root are combined to form a block header. The transaction information, including the payment account name in the payment request and the payment information for the exchanged currency in the payment record, is obtained as a block body. The block header, block body, and transaction counter (which records the number of transactions in this block) are combined to generate the block information corresponding to the exchanged currency in this transaction. This block information is then sent to the blockchain network corresponding to the exchanged currency for distributed storage. Each exchanged currency can correspond to a specific blockchain network, so the block information for each exchanged currency must be sent separately to the corresponding blockchain network.

[0045] In the exchange payment method based on blockchain technology disclosed in the above embodiment, the method includes: receiving a payment request and verifying it through a request verification rule; if the verification result is passed, determining whether the receiving account corresponding to the payment request meets the direct payment conditions; if not, exchanging the payment request according to the aggregated exchange pool and the receiving account to obtain payment exchange information; performing deduction settlement based on the payment exchange information and recording the payment record information; generating block information corresponding to the payment request and the payment record information and sending it to the blockchain network for distributed storage. The above-mentioned exchange payment method based on blockchain technology, through a legality verification and determining whether the direct payment conditions are met, if the verification result is passed and the direct payment conditions are not met, obtaining the payment exchange information through the aggregated exchange pool and performing deduction settlement, can accept payments in multiple currencies and reduce the impact of exchange rate fluctuations, thereby improving the efficiency and stability of payment settlement.

[0046] The embodiment of the present invention further provides an exchange and payment device based on blockchain technology, which can be configured in a transaction management server and is used to execute any embodiment of the exchange and payment method based on blockchain technology. Figure 3 , Figure 3 A schematic block diagram of an exchange and payment device based on blockchain technology provided in an embodiment of the present invention.

[0047] like Figure 3 As shown, the exchange and payment device 100 based on blockchain technology includes a verification unit 110, a judgment unit 120, an exchange unit 130, a payment record information acquisition unit 140 and a block information sending unit 150.

[0048] The verification unit 110 is configured to, upon receiving a payment request from the merchant terminal, perform a validity verification on the payment request according to a preset request verification rule to obtain a corresponding verification result.

[0049] The judgment unit 120 is configured to judge whether the receiving account corresponding to the payment request satisfies a preset direct payment condition if the verification result is passed.

[0050] The exchange unit 130 is configured to exchange the payment amount in the payment request according to a preset aggregate exchange pool and the payment account if the direct payment condition is not met, and obtain corresponding payment exchange information.

[0051] The payment record information acquisition unit 140 is configured to perform deduction settlement according to the payment exchange information and record corresponding payment record information.

[0052] The block information sending unit 150 is used to generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

[0053] The exchange payment device based on blockchain technology provided in the embodiment of the present invention applies the exchange payment method based on blockchain technology mentioned above, receives a payment request and verifies it through the request verification rules. If the verification result is passed, it determines whether the receiving account corresponding to the payment request meets the direct payment conditions. If not, the payment request is exchanged according to the aggregated exchange pool and the receiving account to obtain payment exchange information. The payment exchange information is deducted and settled and the payment record information is recorded. The block information corresponding to the payment request and the payment record information is generated and sent to the blockchain network for distributed storage. The exchange payment method based on blockchain technology above verifies the legitimacy and determines whether the direct payment conditions are met. If the verification result is passed and the direct payment conditions are not met, the payment exchange information is obtained through the aggregated exchange pool and deductions are settled. It can accept payments in multiple currencies and reduce the impact of exchange rate fluctuations, thereby improving the efficiency and stability of payment settlement.

[0054] The above-mentioned exchange and payment device based on blockchain technology can be implemented in the form of a computer program, which can be used in Figure 4 Runs on the computer device shown.

[0055] See also Figure 4 , Figure 4 is a schematic block diagram of a computer device provided in an embodiment of the present invention. The computer device may be a transaction management server for executing a blockchain-based exchange payment method to process payment requests and perform exchange payment settlement.

[0056] See Figure 4 The computer device 500 includes a processor 502 , a memory, and a communication interface 505 connected via a communication bus 501 , wherein the memory may include a storage medium 503 and an internal memory 504 .

[0057] The storage medium 503 may store an operating system 5031 and a computer program 5032. When the computer program 5032 is executed, the processor 502 may execute an exchange payment method based on blockchain technology. The storage medium 503 may be a volatile storage medium or a non-volatile storage medium.

[0058] The processor 502 is used to provide computing and control capabilities to support the operation of the entire computer device 500.

[0059] The internal memory 504 provides an environment for the operation of the computer program 5032 in the storage medium 503. When the computer program 5032 is executed by the processor 502, the processor 502 can execute the exchange payment method based on blockchain technology.

[0060] The communication interface 505 is used for network communication, such as providing data information transmission. Those skilled in the art will understand that Figure 4 The structure shown in the figure is merely a block diagram of a portion of the structure related to the solution of the present invention and does not constitute a limitation on the computer device 500 to which the solution of the present invention is applied. The specific computer device 500 may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0061] The processor 502 is configured to execute a computer program 5032 stored in the memory to implement the corresponding functions of the above-mentioned exchange and payment method based on blockchain technology.

[0062] Those skilled in the art will understand that Figure 4 The embodiment of the computer device shown in the figure does not constitute a limitation on the specific composition of the computer device. In other embodiments, the computer device may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently. For example, in some embodiments, the computer device may only include a memory and a processor. In such an embodiment, the structure and function of the memory and processor are the same as those in the figure. Figure 4 The embodiments shown are consistent and will not be described again here.

[0063] It should be understood that in the embodiment of the present invention, the processor 502 may be a central processing unit (CPU), and the processor 502 may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor or any conventional processor, etc.

[0064] In another embodiment of the present invention, a computer-readable storage medium is provided. The computer-readable storage medium may be volatile or non-volatile. The computer-readable storage medium stores a computer program, which, when executed by a processor, implements the steps included in the aforementioned blockchain-based exchange and payment method.

[0065] Those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described equipment, devices and units can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented with electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0066] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, apparatuses and methods can be implemented in other ways. For example, the device embodiments described above are merely schematic. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, or units with the same function may be combined into one unit. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interfaces, devices or units, or may be an electrical, mechanical or other form of connection.

[0067] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected according to actual needs to achieve the objectives of the embodiments of the present invention.

[0068] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0069] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the portion that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a computer-readable storage medium and includes several instructions for causing a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned computer-readable storage medium includes various media that can store program code, such as a USB flash drive, a mobile hard drive, a read-only memory (ROM), a magnetic disk, or an optical disk.

[0070] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and such modifications or substitutions are intended to be within the scope of protection of the present invention. Therefore, the scope of protection of the present invention shall be subject to the scope of protection of the claims.

Claims

1. A redemption payment method based on blockchain technology, characterized in that: The exchange payment method is applied to the transaction management server, which establishes communication connections with the merchant terminal and the blockchain network respectively to realize the transmission of data information. The exchange payment method includes: If a payment request is received from the merchant terminal, the payment request is verified for legitimacy according to a preset request verification rule to obtain a corresponding verification result; If the verification result is passed, determining whether the receiving account corresponding to the payment request meets the preset direct payment conditions; If the direct payment condition is not met, the payment amount in the payment request is exchanged according to the preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information; Deduct and settle the payment according to the payment exchange information and record the corresponding payment record information; Generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

2. The exchange payment method based on blockchain technology according to claim 1, characterized in that: The payment request is verified for legitimacy according to a preset request verification rule to obtain a corresponding verification result, including: Determining whether the payment currency in the payment request matches a valid currency in the request verification rule; If the payment currency matches the valid currency, determining whether the account balance of the payment account corresponding to the payment request satisfies the payment amount in the payment request, and obtaining a verification result indicating whether the verification is passed; If the payment currency does not match the valid currency, a failed verification result is obtained.

3. The exchange payment method based on blockchain technology according to claim 2, characterized in that: Before performing the legality verification on the payment request according to the preset request verification rules, the method further includes: Obtaining verification information corresponding to the credit information in the payment request according to preset comparison and verification rules; Determining whether the verification information matches the verification code of the payment account corresponding to the payment request, and obtaining a corresponding identity verification result; If the identity verification result is passed, the step of performing a legitimacy verification on the payment request according to the preset request verification rules is executed.

4. The exchange payment method based on blockchain technology according to claim 1, characterized in that: The exchanging the payment amount in the payment request according to the preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information includes: Obtaining an exchange currency in the aggregate exchange pool that matches the payment currency in the payment account; Determining the transaction share corresponding to each of the exchange currencies according to the preset aggregate transaction rules and the aggregate exchange pool; The payment amount in the payment request is exchanged and calculated according to the transaction share corresponding to each exchange currency and the exchange ratio of each exchange currency in the aggregated exchange pool to obtain the target exchange amount corresponding to each exchange currency as the corresponding payment exchange information.

5. The exchange payment method based on blockchain technology according to claim 4, characterized in that: The determining of the transaction share corresponding to each exchange currency according to the preset aggregate transaction rules and the aggregate exchange pool includes: Obtaining the volatility coefficient corresponding to each exchange currency based on the historical exchange rate of each exchange currency in the aggregated exchange pool; Determining the risk coefficient corresponding to each exchange currency based on historical transaction information of each exchange currency in the aggregated exchange pool; The volatility coefficient, the risk coefficient, the transaction fee rate of each exchange currency in the aggregate exchange pool, and the market transaction share are aggregated and allocated according to the aggregate transaction rules to determine the transaction share of each exchange currency.

6. The exchange payment method based on blockchain technology according to claim 5, characterized in that: After obtaining the target exchange amount corresponding to each exchange currency as the corresponding payment exchange information, the method further includes: Calculate the corresponding transaction fee information based on the transaction share corresponding to each exchange currency and the transaction fee rate of each exchange currency in the aggregated exchange pool; The transaction fee information is added to the payment exchange information.

7. The blockchain-based exchange payment method according to any one of claims 4 to 6, characterized in that: After determining whether the receiving account corresponding to the payment request meets the preset direct payment conditions, the method further includes: If the direct payment conditions are met, deductions and settlement are performed according to the payment request and corresponding payment record information is recorded.

8. An exchange and payment device based on blockchain technology, characterized in that: The exchange and payment device is configured on a transaction management server, and the transaction management server establishes communication connections with the merchant terminal and the blockchain network respectively to realize the transmission of data information. The exchange and payment device is used to execute the exchange and payment method based on blockchain technology according to any one of claims 1 to 7, and the exchange and payment device includes: a verification unit configured to, upon receiving a payment request from the merchant terminal, perform a validity verification on the payment request according to a preset request verification rule and obtain a corresponding verification result; a determination unit, configured to determine, if the verification result is passed, whether the receiving account corresponding to the payment request satisfies a preset direct payment condition; an exchange unit, configured to exchange the payment amount in the payment request according to a preset aggregate exchange pool and the receiving account to obtain corresponding payment exchange information if the direct payment condition is not met; a payment record information acquisition unit, configured to deduct and settle payments according to the payment exchange information and record corresponding payment record information; A block information sending unit is used to generate block information corresponding to the payment request and the payment record information and send it to the blockchain network for distributed storage.

9. A computer device, characterized in that: The device includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; Memory for storing computer programs; The processor is configured to implement the steps of the blockchain technology-based exchange payment method described in any one of claims 1 to 7 when executing the program stored in the memory.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the exchange and payment method based on blockchain technology as described in any one of claims 1 to 7 are implemented.

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