Blockchain-based order settlement method, system and storage medium

Abstract

The present invention discloses a method, system and storage medium for order settlement based on blockchain, which specifically includes: an order management platform generates an order settlement request according to order settlement request information, signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain; a acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain; the acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain. The technical solution of the embodiment of the present invention can improve the security of settlement information by generating authorization information based on the verification result of the first signature data when performing order settlement.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of blockchain technology, and in particular to a blockchain-based order settlement method, system, and storage medium. Background Art

[0002] Currently, acquiring systems are widely used to implement transaction business between acquiring institutions and order generators.

[0003] In the traditional acquiring business, the order settlement process includes: after the transaction is completed, the acquiring institution summarizes and reconciles the transactions within a specific range according to its own daily time and completes the order settlement for the order generator.

[0004] However, the order settlement related information is recorded unilaterally by the acquiring institution. Once the acquiring institution is attacked maliciously, resulting in a large number of settlement records being leaked or tampered with, the order generator and the acquiring institution will bear the economic losses caused by the malicious attack. This acquiring method is highly dependent on centralized acquiring institutions and has low information security. Summary of the invention

[0005] The present invention provides an order settlement method, system and storage medium based on blockchain to achieve the purpose of ensuring the security of settlement information.

[0006] In a first aspect, an embodiment of the present invention provides an order settlement method based on blockchain, which is applied to an order settlement system, wherein the order settlement system includes an order management platform, a acquiring and signing verification platform, and an acquiring and settlement platform, and the method includes:

[0007] The order management platform generates an order settlement request according to the order settlement request information, signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain;

[0008] The acquiring and signature verification platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain;

[0009] The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0010] Furthermore, the order management platform generates an order settlement request according to the order settlement request information, including:

[0011] The order management platform obtains the expected settlement date set by the order generator;

[0012] The order management platform determines the order generator number and the expected settlement date, and generates an order settlement instruction;

[0013] The order management platform uses the order generator number, the expected settlement date, the order generator's acquiring institution identification code, the timestamp and the order settlement instruction as order settlement request information to generate an order settlement request.

[0014] Furthermore, the acquiring and signature verification platform generates authorization information for the order settlement request according to the signature verification result, including:

[0015] If the signature verification is passed, the acquiring signature verification platform will use the order generator number associated with the order settlement request, the acquiring institution to which the order generator belongs, and the authorized settlement instruction as authorization information.

[0016] Furthermore, after the order settlement request is generated, the method further includes: the order management platform adding first status information to the order settlement request;

[0017] After the acquiring signature verification platform generates authorization information for the order settlement request according to the signature verification result, the method further includes: the acquiring signature verification platform adds second status information to the order settlement request;

[0018] The first status information is different from the second status information.

[0019] Furthermore, before the acquiring signature verification platform verifies the first signature data of the order settlement request in the blockchain, it also includes:

[0020] The acquiring and signature verification platform periodically queries the order settlement request information and the first signature data from the blockchain.

[0021] Furthermore, the acquiring and signature verification platform periodically queries the order settlement request information and the first signature data from the blockchain, including:

[0022] The acquiring and signature verification platform queries the order settlement request information and the first signature data from the blockchain according to the acquiring institution identification code of the order generator, and obtains the order settlement request information and the first signature data.

[0023] Furthermore, after the acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain, it also includes:

[0024] The acquiring and settlement platform generates settlement notification information; wherein the settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number;

[0025] The settlement notification information is written into the blockchain.

[0026] Furthermore, the acquiring signature verification platform verifies the first signature data of the order settlement request in the blockchain, including:

[0027] The acquiring and signature verification platform uses the public key of the order management platform to verify the first signature data according to the order settlement request information.

[0028] Furthermore, the acquiring and signature verification platform writes the authorization information of the order settlement request into the blockchain, including:

[0029] The acquiring and signature verification platform generates second signature data according to the authorization information of the order settlement request and the first signature data;

[0030] The acquiring and signature verification platform writes the authorization information of the order settlement request and the second signature data into the blockchain.

[0031] Furthermore, after the acquiring and settlement platform generates the settlement notification information, it also includes:

[0032] The acquiring and settlement platform adds third status information to the order settlement request;

[0033] The acquiring and settlement platform generates third signature data based on the settlement notification information, the third status information and the second signature data, and writes the settlement notification information and the third signature data into the blockchain.

[0034] Furthermore, after the acquiring and settlement platform writes the settlement notification information and the third signature data into the blockchain, the following steps are included:

[0035] The acquiring and settlement platform obtains the settlement voucher number in the order settlement information and notifies the order management platform.

[0036] Furthermore, it also includes:

[0037] The order management platform queries the settlement notification information from the blockchain.

[0038] Furthermore, the order management platform queries the settlement notification information from the blockchain, including:

[0039] The order management platform periodically queries the settlement notification information and the third signature data from the blockchain according to the settlement voucher number, and obtains the settlement notification information.

[0040] In a second aspect, an embodiment of the present invention further provides an order settlement system based on blockchain, the system comprising:

[0041] An order management platform, configured to generate an order settlement request according to the order settlement request information, sign the order settlement request information to obtain first signature data, and write the settlement request information and the first signature data into a blockchain;

[0042] The acquiring signature verification platform is used to verify the first signature data of the order settlement request in the blockchain, generate authorization information for the order settlement request according to the verification result, and write the authorization information of the order settlement request into the blockchain;

[0043] The acquiring and settlement platform is used to perform order settlement based on the order settlement request information and authorization information of the order settlement request described in the blockchain.

[0044] Furthermore, the order management platform is specifically used for:

[0045] Get the expected settlement date set by the order maker;

[0046] Determine the order generator number and the expected settlement date, and generate an order settlement instruction;

[0047] The order generator number, the expected settlement date, the order generator's acquiring institution identification code, the timestamp and the order settlement instruction are used as order settlement request information to generate an order settlement request.

[0048] Furthermore, the acquiring and signature verification platform is specifically used for:

[0049] If the signature verification is passed, the order generator number associated with the order settlement request, the order generator's acquiring institution and the authorization settlement instruction will be used as authorization information.

[0050] Furthermore, the order management platform is further used to, after generating the order settlement request, add first status information to the order settlement request;

[0051] The acquiring signature verification platform is further configured to add second status information to the order settlement request after generating authorization information for the order settlement request according to the signature verification result;

[0052] The first status information is different from the second status information.

[0053] Furthermore, the acquiring and signature verification platform is also used to periodically query the order settlement request information and the first signature data from the blockchain before verifying the first signature data of the order settlement request in the blockchain.

[0054] Furthermore, the acquiring and signature verification platform is specifically used to: query the order settlement request information and the first signature data from the blockchain according to the acquiring institution identification code of the order generator, and obtain the order settlement request information and the first signature data.

[0055] Furthermore, the acquiring and settlement platform is also used to: generate settlement notification information after order settlement; and write the settlement notification information into the blockchain. The settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number.

[0056] Furthermore, the acquiring signature verification platform is specifically used to verify the first signature data according to the order settlement request information using the public key of the order management platform.

[0057] Furthermore, the acquiring and signature verification platform is specifically used for:

[0058] Generate second signature data according to the authorization information of the order settlement request and the first signature data;

[0059] The authorization information of the order settlement request and the second signature data are written into the blockchain.

[0060] Furthermore, the acquiring and settlement platform is also used to: after generating the settlement notification information, add third status information to the order settlement request; generate third signature data according to the settlement notification information, the third status information and the second signature data, and write the settlement notification information and the third signature data into the blockchain.

[0061] Furthermore, the acquiring and settlement platform is also used to: after writing the settlement notification information and the third signature data into the blockchain, obtain the settlement voucher number in the order settlement information and notify the order management platform.

[0062] Furthermore, the order management platform is also used to query the settlement notification information from the blockchain; specifically, it is used to query the settlement notification information and the third signature data from the blockchain at regular intervals according to the settlement voucher number, and obtain the settlement notification information.

[0063] In a third aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored, characterized in that when the program is executed by a processor, the blockchain-based order settlement method as described in any embodiment of the present invention is implemented.

[0064] The embodiment of the present invention provides a blockchain-based order settlement method, system and storage medium. First, an order settlement request is generated according to order settlement request information through an order management platform, the order settlement request information is signed to obtain the first signature data, and the settlement request information and the first signature data are written into the blockchain; then, the acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, and generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain; finally, the acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain. The problem of low information security in the traditional acquiring method is solved, and the security of settlement information is ensured through signature verification authorization, which provides a new idea for order settlement. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] Figure 1 A flowchart of a blockchain-based order settlement method provided in Example 1 of the present invention;

[0066] Figure 2 A flowchart of a blockchain-based order settlement method provided in Embodiment 2 of the present invention;

[0067] Figure 3 A flowchart of a blockchain-based order settlement method provided in Embodiment 3 of the present invention;

[0068] Figure 4 A flowchart of a blockchain-based order settlement method provided in Embodiment 4 of the present invention;

[0069] Figure 5 This is a structural block diagram of a blockchain-based order settlement system provided in Example 5 of the present invention. DETAILED DESCRIPTION

[0070] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0071] Embodiment 1

[0072] Figure 1 This is a flowchart of a blockchain-based order settlement method provided in Example 1 of the present invention, which uses smart contracts and asymmetric encryption mechanisms on the blockchain to ensure the security of order settlement.

[0073] Blockchain is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. It is essentially a decentralized database. As the underlying technology of Bitcoin, it is a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of the information (anti-counterfeiting) and generate the next block.

[0074] A smart contract is a computer protocol designed to disseminate, verify or execute contracts in an information-based manner. A smart contract on a blockchain platform is a piece of code deployed on a shared, replicated ledger that can maintain its own state, control its own assets and respond to external information received. The model defined by the smart contract is a computer program running on a replicable, shared ledger that can process information.

[0075] Asymmetric encryption algorithms require two keys: a public key (referred to as the public key) and a private key (referred to as the private key). The public key and the private key are a pair. If the public key is used to encrypt data, it can only be decrypted with the corresponding private key; if the private key is used to encrypt data, it can only be decrypted with the corresponding public key.

[0076] This embodiment is applicable to situations where, after a transaction is completed, the acquiring institution aggregates and nets transactions within a specific time range to perform order settlement. This method can be executed by the order settlement system provided by the embodiment of the present invention. The order settlement system includes an order management platform, an acquiring signature verification platform, and an acquiring settlement platform.

[0077] Specifically, Figure 1 As shown, the blockchain-based order settlement method provided by the embodiment of the present invention may include the following steps:

[0078] S110. The order management platform generates an order settlement request according to the order settlement request information, signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain.

[0079] Among them, the order management platform can be the self-owned platform of major e-commerce companies, not maintained by the acquiring institution, and is connected to the acquiring institution's acquiring and signature verification platform through the Internet so that the acquiring institution can receive the order settlement request sent by the order management platform. The process of order settlement by the acquiring institution is to obtain the transaction documents and transaction data from the order generator, deduct the fees calculated according to the rate, and pay the money to the order generator, and deduct a certain percentage of the handling fee from it.

[0080] In this embodiment, the order settlement request may include at least one of the order generator number, expected settlement date, the order generator's acquiring institution identification code, timestamp, order settlement instruction, order identification, and order amount. Optionally, after the order generator sets the settlement date range included in the settlement, the order management platform obtains the expected settlement date set by the order generator, generates an order settlement instruction based on the order generator number and the expected settlement date, and then uses the order generator number, expected settlement date, the order generator's acquiring institution identification code, timestamp, and order settlement instruction as order settlement request information to generate an order settlement request.

[0081] Optionally, the order management platform can specify a settlement time in the order settlement request information, such as 7:00. After the order settlement request is issued, the acquiring and signing platform accepts the order normally, and the acquiring and settlement platform gives the settlement status as accepted, but the order is actually not settled until 7:00. The order management platform can initiate an order settlement status query after 7 o'clock to confirm the settlement result.

[0082] After generating the order settlement request, the order management platform uses the private key of the order management platform to sign the order settlement request information to obtain the first signature data. The settlement request information and the first signature data are written into the blockchain together. The purpose of the order management platform using its own private key to sign the order settlement request information is to ensure the confidentiality of the settlement information.

[0083] Since the entire order settlement process needs to be made public on the blockchain to ensure the transparency and non-repudiation of order settlement, the information that needs to be witnessed during the order settlement process, such as order settlement requests and order settlement results, needs to be recorded on the blockchain. Therefore, after the order management platform generates an order settlement request, it does not send the order settlement request to the acquiring institution terminal, but sends the order settlement request to the blockchain for recording, so that each node that needs to query the order settlement request can query the order settlement request from the blockchain.

[0084] S120. The acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain.

[0085] The signature verification takes the signature result of the signer, the public key of the signer and the information to be signed as input values ​​to verify whether the verification conditions are met. Specifically, in this embodiment, the signer is the acquiring signature verification platform, the signature result is the first signature data, and the information to be signed is the order settlement request information.

[0086] In this embodiment, after the acquiring and verification platform obtains the order settlement request and the first signature data of the subordinate order generator from the blockchain, it uses the public key of the order management platform to verify the first signature data according to the order settlement request information. Only after the verification is passed can the authorization settlement instruction be generated, which means that the system authorizes and approves this order settlement request. Only orders that are successfully authorized will be received by the acquiring and settlement platform. The acquiring and verification platform uses the order generator number associated with the order settlement request, the acquiring institution to which the order generator belongs, and the authorization settlement instruction as authorization information. Optionally, the authorization information can also include a matching order identifier and order amount.

[0087] It is understandable that since the entire order settlement process needs to be made public on the blockchain to ensure the transparency and non-repudiation of order settlement, the authorization information generated by the acquiring and signature verification platform after verification needs to be recorded on the blockchain so that each node that needs to query the order settlement request can query the authorization status of the order settlement request from the blockchain.

[0088] Optionally, after generating the order settlement request, the order management platform may also add first status information to the order settlement request. The first status information may be understood as the status of the settlement order. For example, when the order settlement request is generated, the first status information is request processing.

[0089] S130. The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0090] The acquiring and settlement platform obtains the order settlement request information and authorization information of the order settlement request from the blockchain, and pays the order generator after deducting the fees calculated according to the rate based on the transaction data in the order settlement request information and authorization information of the order settlement request.

[0091] Optionally, after the payment is completed, the acquiring and settlement platform can generate settlement notification information based on the payment transaction data, and write the settlement notification information into the blockchain for the order management platform to check and reconcile.

[0092] The technical solution of this embodiment is to first generate an order settlement request according to the order settlement request information through the order management platform, sign the order settlement request information to obtain the first signature data, and write the settlement request information and the first signature data into the blockchain; then, the acquiring and verification platform verifies the first signature data of the order settlement request in the blockchain, and generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain; finally, the acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain. This solves the problem of low information security in the traditional acquiring method, ensures the security of settlement information through signature verification and authorization, and provides a new idea for order settlement.

[0093] Embodiment 2

[0094] Figure 2 This is a flowchart of a blockchain-based order settlement method provided in Embodiment 2 of the present invention. This method is further optimized on the basis of the above embodiment, and provides a detailed description of how the order management platform generates an order settlement request and writes the settlement request information and the first signature data into the blockchain. Specifically, Figure 2 As shown, the method includes:

[0095] S210. The order management platform obtains the expected settlement date set by the order generator.

[0096] The expected settlement date can be understood as the settlement date of the acquiring settlement platform scheduled by the order generator. For example, the expected settlement date is November 29, 2020. After the order management platform issued an order management request containing the expected settlement date on November 26, 2020, the acquiring verification platform accepted the order normally, and the acquiring settlement platform gave the settlement status information that the order stage request has been accepted. However, the acquiring settlement platform did not settle the order until November 29, 2020.

[0097] S220. The order management platform determines the order generator number and expected settlement date, and generates an order settlement instruction.

[0098] The order generator number is used to uniquely identify the order generator, and different order generators have different numbers.

[0099] Optionally, after the order management platform obtains the expected settlement date set by the order generator, it can query the order generator number that can uniquely identify the current order generator in the order generator number form and obtain the corresponding order generator number. Generate an order settlement instruction based on the obtained order generator number and expected settlement date.

[0100] S230. The order management platform uses the order generator number, expected settlement date, the order generator's acquiring institution identification code, timestamp and order settlement instruction as order settlement request information to generate an order settlement request.

[0101] Among them, the acquiring institution identification code of the order generator is used to uniquely identify the acquiring institution, and different acquiring institutions have different identification codes. Timestamp, in layman's terms, is a complete and verifiable data that can indicate that a piece of data already existed at a specific point in time. Its main function is to provide users with an electronic evidence to prove the time when certain data of the user was generated. The essence of the timestamp service is to bind the user's data to the current accurate time, and on this basis, sign it with the digital certificate of the timestamp system. With the legal authority of the timestamp system, a timestamp that can be used as legal evidence is generated to prove the time when the user's data was generated, achieving the goal of "non-repudiation" or "anti-repudiation".

[0102] The order management platform uses the order generator number, expected settlement date, the order generator's acquiring institution identification code and timestamp as order settlement request information. The advantage of this setting is that it clearly defines the scope of order settlement, which is specifically reflected in the order settlement time, order generator and settlement institution.

[0103] Optionally, in this embodiment, after generating the order settlement request, the order management platform may add first status information to the order settlement request to indicate the status of the settlement order.

[0104] S240. The order management platform signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain.

[0105] The order management platform uses a private key to sign the order settlement request information including the order generator number, expected settlement date, the order generator's acquiring institution identification code, timestamp and order settlement instructions to generate the first signature data.

[0106] In this embodiment, after the order management platform generates the order settlement request and the first signature data, it does not send the order settlement request and the first signature data to the acquiring institution terminal, but sends the order settlement request and the first signature data to the blockchain for recording, so that each node that needs to query the order settlement status can query the order settlement status from the blockchain, thereby ensuring the transparency and non-repudiation of the order settlement.

[0107] S250. The acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain.

[0108] S260. The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0109] The technical solution of this embodiment provides that the order management platform generates an order settlement instruction based on the expected settlement date and order generator number set by the order generator, and uses the order generator number, expected settlement date, the identification code of the acquiring institution to which the order generator belongs, the timestamp and the order settlement instruction as the order settlement request information to generate an order settlement request. This solves the problem of the single settlement mode in the traditional acquiring method, which is to settle according to the acquiring institution's daily cut-off time. By setting the expected settlement date, the order settlement mode is enriched, and it supports customizing the range of orders included in the settlement and the time of order settlement.

[0110] Embodiment 3

[0111] Figure 3 This is a flowchart of a blockchain-based order settlement method provided in Embodiment 3 of the present invention. This method is further optimized on the basis of the above embodiments, and provides a detailed description of how the acquiring and signature verification platform verifies signatures and generates authorization information. Figure 3 As shown, the method includes:

[0112] S310. The order management platform generates an order settlement request according to the order settlement request information, signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain.

[0113] S320: The acquiring and signature verification platform periodically queries the order settlement request information and the first signature data from the blockchain.

[0114] Because different acquiring institutions correspond to different acquiring institution identification codes, the acquiring institution identification code of the order generator in the order settlement request information can be used to uniquely identify the acquiring institution.

[0115] Optionally, in this embodiment, the acquiring and signature verification platform queries the order settlement request information and the first signature data from the blockchain according to the identification code of the acquiring institution to which the order generator belongs, and obtains the order settlement request information and the first signature data.

[0116] S330. The acquiring and verifying platform uses the public key of the order management platform to verify the first signature data according to the order settlement request information, and generates authorization information for the order settlement request according to the verification result.

[0117] The signature verification is to use the signature result of the signer, the public key of the signer and the information to be signed as input values ​​to verify whether the verification conditions are met. In this embodiment, the acquiring signature verification platform uses the public key of the order management platform to verify the first signature data according to the order settlement request information.

[0118] Only order settlement requests that have passed the signature verification can generate the authorization settlement instruction corresponding to the order settlement request, which means that the system authorizes and approves the order settlement request. Only orders that have been successfully authorized will be received by the acquiring settlement platform.

[0119] Specifically, the acquiring and verification platform uses the order generator number associated with the order settlement request, the acquiring institution to which the order generator belongs, and the authorization settlement instruction as the authorization information. Optionally, the authorization information may also include a matching order identifier and order amount.

[0120] In this embodiment, preferably, after the acquiring and signature verification platform generates authorization information for the order settlement request according to the signature verification result, the second status information is added to the order settlement request. The second status information can be understood as the status of the settlement order. For example, the second status information after the signature verification can be authorization success or authorization failure. The status of the order corresponding to the second status information and the first status information is different.

[0121] S340. The acquiring and signature verification platform generates second signature data according to the authorization information of the order settlement request and the first signature data, and writes the authorization information of the order settlement request and the second signature data into the blockchain.

[0122] Optionally, when generating the second signature data, the acquiring and signature verification platform may generate the second signature data based on the authorization information of the order settlement request, the second status information and the first signature data.

[0123] S350. The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0124] The technical solution of this embodiment adopts the public key of the order management platform through the acquiring and signature verification platform, verifies the first signature data according to the order settlement request information, and generates authorization information for the order settlement request according to the verification result, thereby solving the problem of low security of settlement information in traditional settlement methods and achieving the effect of ensuring the security of settlement information.

[0125] Embodiment 4

[0126] Figure 4 This is a flowchart of a blockchain-based order settlement method provided in Example 4 of the present invention. This method is further optimized on the basis of the above-mentioned embodiment, and provides a detailed description of how the acquiring settlement platform performs order settlement and how the order management platform receives settlement notification information. Specifically, Figure 4 As shown, the method includes:

[0127] S410. The order management platform generates an order settlement request according to the order settlement request information, signs the order settlement request information to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain.

[0128] S420. The acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain.

[0129] S430. The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0130] Optionally, the acquiring and settlement platform obtains the order settlement request information and authorization information from the blockchain according to the acquiring institution identification code and authorization status of the order generator, and performs order settlement. The acquiring and settlement platform obtains the order settlement request information and authorization information of the order settlement request from the blockchain only when the acquiring institution identification code of the order generator matches the acquiring institution of the acquiring and settlement platform, and the settlement order status is successfully authorized.

[0131] S440: The acquiring and settlement platform generates settlement notification information and writes the settlement notification information into the blockchain.

[0132] The settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number. The settlement voucher number can uniquely identify the settled order.

[0133] On the basis of the technical solution of this embodiment, preferably, the acquiring settlement platform adds the third status information to the order settlement request, generates the third signature data according to the settlement notification information, the third status information and the second signature data, and writes the settlement notification information and the third signature data into the blockchain. Among them, the third status information can be understood as the status of the settlement order, and the third status information can be the settlement accepted, settlement successful or settlement failed.

[0134] For example, the order management platform specifies the settlement time of 7:00 in the order settlement request information, and writes the settlement request information into the blockchain at 1:00. The acquiring and signing platform accepts the order normally. Before 7:00, the acquiring and settlement platform gives the third status information that the settlement has been accepted, but the order will not be settled until 7:00. After 7:00, if the acquiring and settlement platform settles successfully, the third status information given is settlement success; if the acquiring and settlement platform settles unsuccessfully, the third status information given is settlement failure.

[0135] S450. The acquiring and settlement platform obtains the settlement voucher number in the order settlement information and notifies the order management platform.

[0136] Since the settlement voucher number can uniquely identify the settled order, after the order settlement is completed, the settlement voucher number in the order settlement information can be sent to the order management platform, notifying the order management platform that it can query the settlement notification information from the blockchain based on the settlement voucher number.

[0137] S460. The order management platform queries the settlement notification information from the blockchain.

[0138] On the basis of the above technical solution, preferably, the order management platform queries the settlement notification information and the third signature data from the blockchain regularly according to the settlement voucher number, obtains the settlement notification information, obtains the settlement result, and performs reconciliation.

[0139] The technical solution of this embodiment obtains settlement notification information by periodically querying the settlement notification information and the third signature data from the blockchain according to the settlement voucher number through the order management platform, thereby solving the process problem of post-reconciliation in the traditional settlement method and achieving the effect of improving reconciliation efficiency.

[0140] Embodiment 5

[0141] A structural block diagram of a blockchain-based order settlement system provided in Embodiment 5 of the present invention. The system is suitable for executing the blockchain-based order settlement method provided in the embodiment of the present invention, which can ensure the security of settlement information and improve reconciliation efficiency.

[0142] like Figure 5 As shown, the system includes: an order management platform 510, a acquiring and signature verification platform 520 and an acquiring and settlement platform 530.

[0143] The order management platform 510 is used to generate an order settlement request according to the order settlement request information, sign the order settlement request information to obtain first signature data, and write the settlement request information and the first signature data into the blockchain;

[0144] The acquiring signature verification platform 520 is used to verify the first signature data of the order settlement request in the blockchain, generate authorization information for the order settlement request according to the verification result, and write the authorization information of the order settlement request into the blockchain;

[0145] The acquiring and settlement platform 530 is used to perform order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain.

[0146] Furthermore, the order management platform 510 is specifically used to: obtain the expected settlement date set by the order generator; determine the order generator number and the expected settlement date, and generate an order settlement instruction; and use the order generator number, expected settlement date, the order generator's acquiring institution identification code, timestamp and order settlement instruction as order settlement request information to generate an order settlement request.

[0147] Furthermore, the acquiring and signature verification platform 520 is specifically used to use the order generator number associated with the order settlement request, the acquiring institution to which the order generator belongs, and the authorized settlement instruction as authorization information if the signature verification is passed.

[0148] Furthermore, the order management platform 510 is further configured to, after generating the order settlement request, add first status information to the order settlement request;

[0149] The acquiring signature verification platform 520 is further used to add second status information to the order settlement request after generating authorization information for the order settlement request according to the signature verification result;

[0150] The first state information is different from the second state information.

[0151] Furthermore, the acquiring and verifying platform 520 is also used to periodically query the order settlement request information and the first signature data from the blockchain before verifying the first signature data of the order settlement request in the blockchain.

[0152] Furthermore, the acquiring and signature verification platform 520 is specifically used to query the order settlement request information and the first signature data from the blockchain according to the acquiring institution identification code of the order generator, and obtain the order settlement request information and the first signature data.

[0153] Furthermore, the acquiring and settlement platform 530 is also used to: generate settlement notification information after order settlement; and write the settlement notification information into the blockchain. The settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number.

[0154] Furthermore, the acquiring signature verification platform 520 is specifically used to verify the first signature data according to the order settlement request information using the public key of the order management platform.

[0155] Furthermore, the acquiring and signature verification platform 520 is specifically used to: generate second signature data based on the authorization information of the order settlement request and the first signature data; and write the authorization information and the second signature data of the order settlement request into the blockchain.

[0156] Furthermore, the acquiring and settlement platform 530 is also used to: add third status information to the order settlement request after generating the settlement notification information; generate third signature data according to the settlement notification information, the third status information and the second signature data, and write the settlement notification information and the third signature data into the blockchain.

[0157] Furthermore, the acquiring and settlement platform 530 is also used to: after writing the settlement notification information and the third signature data into the blockchain, obtain the settlement voucher number in the order settlement information and notify the order management platform.

[0158] Furthermore, the order management platform 510 is also used to query the settlement notification information from the blockchain; specifically, it is used to query the settlement notification information and the third signature data from the blockchain at regular intervals according to the settlement voucher number, and obtain the settlement notification information.

[0159] The above-mentioned blockchain-based order settlement system can execute the blockchain-based order settlement method provided by any embodiment of the present invention, and has the corresponding beneficial effects of the execution method.

[0160] Embodiment 6

[0161] Embodiment 6 of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, a blockchain-based order settlement method as provided in any embodiment of the invention of this application is implemented.

[0162] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, a device or a device or used in combination with it.

[0163] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. 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. Computer-readable signal media may also be any computer-readable medium other than a computer-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.

[0164] The program code embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0165] Computer program code for performing the operations of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).

[0166] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A blockchain-based order settlement method, characterized in that: Applied to an order settlement system, the order settlement system includes an order management platform, a acquiring signature verification platform and an acquiring settlement platform, and the method includes: The order management platform generates an order settlement request according to the order settlement request information, and signs the order settlement request information with a private key of the order management platform to obtain first signature data, and writes the settlement request information and the first signature data into the blockchain; wherein the order settlement request includes at least one of the order generator number, the expected settlement date, the order generator's acquiring institution identification code, the timestamp, the order settlement instruction, the order identification, and the order amount; The acquiring signature verification platform verifies the first signature data of the order settlement request in the blockchain, generates authorization information for the order settlement request according to the verification result, and writes the authorization information of the order settlement request into the blockchain; wherein the verification takes the signature result of the signer, the public key of the signer and the information to be signed as input values ​​to verify whether the verification condition is met, the signer is the acquiring signature verification platform, the signature result is the first signature data, and the information to be signed is the order settlement request information; The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain; The acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain, including: The acquiring and settlement platform obtains the order settlement request information and authorization information of the order settlement request from the blockchain, and pays the order generator after deducting the fees calculated according to the rate based on the transaction data in the order settlement request information and authorization information of the order settlement request; Wherein, after the acquiring and settlement platform performs order settlement according to the order settlement request information and authorization information of the order settlement request in the blockchain, it also includes: The acquiring settlement platform generates settlement notification information based on the payment transaction data; wherein the settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number, wherein the settlement voucher number uniquely identifies the settlement order; Writing the settlement notification into the blockchain; The acquiring and signature verification platform writes the authorization information of the order settlement request into the blockchain, including: The acquiring and signature verification platform generates second signature data according to the authorization information of the order settlement request and the first signature data; The acquiring and signature verification platform writes the authorization information of the order settlement request and the second signature data into the blockchain; Wherein, after the acquiring and settlement platform generates settlement notification information according to the payment transaction data, it also includes: The acquiring and settlement platform adds third status information to the order settlement request; The acquiring and settlement platform generates third signature data according to the settlement notification information, the third state information and the second signature data, and writes the settlement notification information and the third signature data into the blockchain; The acquiring and settling platform obtains the settlement voucher number in the order settlement information and notifies the order management platform; The order management platform periodically queries the settlement notification information and the third signature data from the blockchain according to the settlement voucher number, and obtains the settlement notification information.

2. The method according to claim 1, characterized in that The order management platform generates an order settlement request according to the order settlement request information, including: The order management platform obtains the expected settlement date set by the order generator; The order management platform determines the order generator number and the expected settlement date, and generates an order settlement instruction; The order management platform uses the order generator number, the expected settlement date, the order generator's acquiring institution identification code, the timestamp and the order settlement instruction as order settlement request information to generate an order settlement request.

3. The method according to claim 1, characterized in that The acquiring and signature verification platform generates authorization information for the order settlement request based on the signature verification result, including: If the signature verification is passed, the acquiring signature verification platform will use the order generator number associated with the order settlement request, the acquiring institution to which the order generator belongs, and the authorized settlement instruction as authorization information.

4. The method according to claim 3, characterized in that After the order settlement request is generated, the method further includes: the order management platform adding first status information to the order settlement request; After the acquiring signature verification platform generates authorization information for the order settlement request according to the signature verification result, the method further includes: the acquiring signature verification platform adds second status information to the order settlement request; The first status information is different from the second status information.

5. The method according to claim 1, characterized in that Before the acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, the method further includes: The acquiring and signature verification platform periodically queries the order settlement request information and the first signature data from the blockchain.

6. The method according to claim 5, characterized in that The acquiring and signature verification platform periodically queries the order settlement request information and the first signature data from the blockchain, including: The acquiring and signature verification platform queries the order settlement request information and the first signature data from the blockchain according to the acquiring institution identification code of the order generator, and obtains the order settlement request information and the first signature data.

7. The method according to claim 1, characterized in that The acquiring and verifying platform verifies the first signature data of the order settlement request in the blockchain, including: The acquiring and signature verification platform uses the public key of the order management platform to verify the first signature data according to the order settlement request information.

8. An order settlement system based on blockchain, characterized in that: The system comprises: An order management platform, used to generate an order settlement request according to the order settlement request information, and use the private key of the order management platform to sign the order settlement request information to obtain first signature data, and write the settlement request information and the first signature data into the blockchain; wherein the order settlement request includes at least one of the order generator number, the expected settlement date, the order generator's acquiring institution identification code, the timestamp, the order settlement instruction, the order identification and the order amount; The acquiring signature verification platform is used to verify the first signature data of the order settlement request in the blockchain, generate authorization information for the order settlement request according to the verification result, and write the authorization information of the order settlement request into the blockchain; wherein the verification is to use the signature result of the signer, the public key of the signer and the information to be signed as input values ​​to verify whether the verification condition is met, the signer is the acquiring signature verification platform, the signature result is the first signature data, and the information to be signed is the order settlement request information; The acquiring and settlement platform is used to perform order settlement according to the order settlement request information and authorization information of the order settlement request described in the blockchain; The acquiring and signature verification platform generates second signature data based on the authorization information of the order settlement request and the first signature data; writes the authorization information of the order settlement request and the second signature data into the blockchain; The acquiring and settlement platform is specifically used to obtain the order settlement request information and authorization information of the order settlement request from the blockchain, and pay the order generator after deducting the fees calculated according to the rate according to the transaction data in the order settlement request information and authorization information of the order settlement request; The acquiring settlement platform is further used to generate settlement notification information based on the payment transaction data; wherein the settlement notification information includes at least one of the following: settlement date, settlement amount, number of settlements, and settlement voucher number, wherein the settlement voucher number uniquely identifies the settlement order; and write the settlement notification into the blockchain; The acquiring settlement platform is further used to, after generating settlement notification information according to the payment transaction data, add third status information to the order settlement request; generate third signature data according to the settlement notification information, the third status information and the second signature data, and write the settlement notification information and the third signature data into the blockchain; obtain the settlement voucher number in the order settlement information, and notify the order management platform; The order management platform is also used to: query the settlement notification information and the third signature data from the blockchain at regular intervals according to the settlement voucher number, and obtain the settlement notification information.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, a blockchain-based order settlement method as described in any one of claims 1 to 7 is implemented.

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