A merchant funds clearing method and device based on blockchain

Abstract

The present application provides a merchant fund clearing method and device based on blockchain, which can be used in the field of financial technology. First, a fund clearing request is sent to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded on the corresponding block of the blockchain after each payment transaction is completed; then the payment information is classified according to the payee information to assist the merchant asset clearing. It can be seen that the present application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund clearing is initiated, the information to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security.

Description

Technical Field

[0001] The present application relates to the field of Internet financial technology, and specifically to a merchant fund clearing method and device based on blockchain. Background Art

[0002] Currently, fund settlement, transaction records, settlement data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund settlement through regular settlement instructions, settlement documents, etc.

[0003] However, data can be easily intercepted, tampered with, or maliciously initiated during the clearing process, and it is difficult to trace the entire chain of fund transactions and clearing. In the conventional clearing process, it is necessary to check the clearing details one by one, check the total amount, distinguish the clearing types, and verify the clearing account information. There are complex calculations and the possibility of partial failure in the process, the clearing efficiency is relatively low, and there are risks such as data exposure and tampering, so there are many deficiencies. Summary of the invention

[0004] With regard to the current fund clearing in the prior art, transaction records, clearing data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund clearing through conventional clearing instructions, clearing documents, etc. However, data is easily intercepted, tampered with, maliciously initiated, etc. during the clearing process, and it is difficult to trace the entire fund transaction and fund clearing circulation chain. In the conventional clearing process, it is necessary to check the clearing details one by one, check the total amount, distinguish the clearing type, and verify the clearing account information. There are complex calculations and partial failure possibilities in the middle, the clearing efficiency is also relatively low, and there are problems such as data exposure and tampering. This application provides a merchant fund clearing method and device based on blockchain, which records transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tamperable and permanent preservation of records. When the subsequent fund clearing is initiated, the information that needs to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security.

[0005] In order to solve the above technical problems, this application provides the following technical solutions:

[0006] In a first aspect, the present application provides a merchant fund clearing method based on blockchain, comprising:

[0007] Sending a fund settlement request to a payment system so that the payment system retrieves payment information stored in the blockchain; the payment information includes payee information and payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0008] The payment information is classified according to the payee information to assist the merchant in clearing assets.

[0009] In a preferred embodiment, the blockchain generates a blockchain identifier after storing the payment information; the merchant asset liquidation method further includes:

[0010] Identify and verify the corresponding payment information based on the obtained blockchain identifier.

[0011] In a preferred embodiment, it also includes:

[0012] Upload the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identifier;

[0013] The liquidation identifier is received.

[0014] In a preferred embodiment, it also includes:

[0015] Determine the identity of the party initiating the funds settlement request;

[0016] Determine the liquidation type based on the identity of the initiator;

[0017] The assisting merchant asset liquidation includes assisting in dividing the collection amount into corresponding payee information according to the liquidation type.

[0018] In a second aspect, the present application provides a merchant funds clearing device based on blockchain, comprising:

[0019] A request sending module, sending a fund settlement request to the payment system, so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0020] The clearing module classifies the payment information according to the payee information to assist the merchant in clearing assets.

[0021] In a preferred embodiment, the blockchain generates a blockchain identifier after storing the payment information; the merchant asset liquidation device further includes:

[0022] The verification module identifies and verifies the corresponding payment information based on the obtained blockchain identifier.

[0023] In a preferred embodiment, it also includes:

[0024] An identification generation module uploads the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identification;

[0025] The identification receiving module receives the settlement identification.

[0026] In a preferred embodiment, it also includes:

[0027] The initiator identity determination module determines the identity of the initiator who initiates the fund settlement request;

[0028] A liquidation type determination module, which determines the liquidation type according to the identity of the initiator;

[0029] The settlement module is specifically used to assist in dividing the collection amount into corresponding payee information according to the settlement type.

[0030] In a third aspect, the present application provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the blockchain-based merchant funds clearing method is implemented.

[0031] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the blockchain-based merchant funds clearing method.

[0032] It can be seen from the above technical solution that the merchant fund clearing method and device based on blockchain provided by this application first sends a fund clearing request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded on the corresponding block of the blockchain after each payment transaction is completed; the payment information is then classified according to the payee information to assist the merchant asset clearing. It can be seen that this application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund clearing is initiated, the information to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0034] Figure 1 It is a structural diagram of a blockchain-based merchant funds clearing system in an embodiment of the present application.

[0035] Figure 2It is a flowchart of the blockchain-based merchant funds clearing method in an embodiment of the present application.

[0036] Figure 3 It is a structural diagram of a blockchain-based merchant funds clearing device in an embodiment of the present application.

[0037] Figure 4 It is a schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0038] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0039] It should be noted that the merchant funds clearing method and device based on blockchain disclosed in the present application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the merchant funds clearing method and device based on blockchain disclosed in the present application is not limited.

[0040] Currently, fund settlement, transaction records, settlement data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund settlement through regular settlement instructions, settlement documents, etc.

[0041] However, data can be easily intercepted, tampered with, or maliciously initiated during the clearing process, and it is difficult to trace the entire chain of fund transactions and clearing. In the conventional clearing process, it is necessary to check the clearing details one by one, check the total amount, distinguish the clearing types, and verify the clearing account information. There are complex calculations and the possibility of partial failure in the process, the clearing efficiency is relatively low, and there are risks such as data exposure and tampering, so there are many deficiencies.

[0042] Based on the above content, the present application also provides a method and device for merchant funds clearing based on blockchain for implementing one or more embodiments of the present application. First, a funds clearing request is sent to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; and then the payment information is classified according to the payee information to assist the merchant in asset clearing. It can be seen that the present application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tamperable and permanent preservation of the record. When the subsequent funds clearing is initiated, the information that needs to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security. Figure 1 As shown, a merchant fund clearing system based on blockchain includes a clearing device 101, a payment system 102, a receiving bank 103, a clearing system 104, a receiving enterprise 105 and a blockchain 106, and the clearing device 101, the payment system 102, the receiving bank 103, the clearing system 104, the receiving enterprise 105 and the blockchain 106 are communicatively connected with each other.

[0043] Among them, the clearing device can send a fund clearing request to the payment system so that the payment system can retrieve the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; and then the payment information is classified according to the payee information to assist the merchant in asset clearing.

[0044] It is understandable that the clearing initiating device may be a client terminal, which may include a smart phone, a tablet electronic device, a portable computer, a desktop computer, a personal digital assistant (PDA), a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, smart watches, smart bracelets, etc.

[0045] Each of the above-mentioned terminal devices has a communication module, which can communicate with a remote server (such as a bank server, etc.) to achieve data transmission with the server. For example, the communication unit can send a fund settlement request to the server so that the server can store and process the fund settlement request.

[0046] The server and the terminal devices may communicate with each other using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocols may include, for example, TCP / IP, UDP / IP, HTTP, HTTPS, etc. Of course, the network protocols may also include, for example, RPC (Remote Procedure Call Protocol) and REST (Representational State Transfer) protocols used on top of the above protocols.

[0047] The present application provides a blockchain-based merchant fund clearing method, device, electronic device and computer-readable storage medium. The clearing device first sends a fund clearing request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; and the payment information is classified according to the payee information to assist merchant asset clearing.

[0048] The details are described through the following multiple embodiments and application examples.

[0049] In order to solve the current fund settlement in the prior art, transaction records, settlement data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund settlement through conventional settlement instructions, settlement documents, etc. However, data is easily intercepted, tampered with, maliciously initiated, etc. during the settlement process, and it is difficult to trace the entire fund transaction and fund settlement circulation chain. In the conventional settlement process, it is necessary to check the settlement details one by one, check the total amount, distinguish the settlement type, and verify the settlement account information. There are complex calculations and partial failure possibilities in the middle, the settlement efficiency is also relatively low, and there are problems such as data exposure and tampering. This application provides an embodiment of a merchant fund settlement method based on blockchain, see Figure 2 The merchant fund clearing method based on blockchain is executed by the server and specifically includes the following contents:

[0050] Step 101: Send a fund settlement request to a payment system, so that the payment system retrieves payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0051] In the present application, the clearing device may be on the bank side or the user side. For example, if it is on the user side, the corresponding clearing device is the user terminal. If it is on the bank side, it is the server inside the bank. The present application is not limited to this.

[0052] In this step, payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed. Payment information generally includes the payee information, the payee information and the amount of payment. The payee information generally refers to the receiving unit, which can be a receiving company, etc.

[0053] Step 102: Classify the payment information according to the payee information to assist the merchant in asset liquidation.

[0054] It can be seen from the above technical solution that the merchant fund clearing method based on blockchain provided by this application first sends a fund clearing request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded on the corresponding block of the blockchain after each payment transaction is completed; the payment information is then classified according to the payee information to assist the merchant asset clearing. It can be seen that this application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund clearing is initiated, the information to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security.

[0055] In order to verify the asset liquidation, in one or more embodiments of the present application, the blockchain generates a blockchain identifier after storing the payment information; the merchant asset liquidation method further includes:

[0056] Identify and verify the corresponding payment information based on the obtained blockchain identifier.

[0057] In order to identify each clearing record, in one or more embodiments of the present application, the following is further included:

[0058] Upload the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identifier;

[0059] The liquidation identifier is received.

[0060] Furthermore, the clearing initiator may be a bank or a payment receiving enterprise. Specifically, in one or more embodiments of the present application, the following is further included:

[0061] Determine the identity of the party initiating the funds settlement request;

[0062] Determine the liquidation type based on the identity of the initiator;

[0063] The assisting merchant asset liquidation includes assisting in dividing the collection amount into corresponding payee information according to the liquidation type.

[0064] It can be seen from the above technical solution that the merchant fund clearing method based on blockchain provided by this application first sends a fund clearing request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded on the corresponding block of the blockchain after each payment transaction is completed; the payment information is then classified according to the payee information to assist the merchant asset clearing. It can be seen that this application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund clearing is initiated, the information to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security.

[0065] In order to solve the current fund settlement in the prior art, transaction records, settlement data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund settlement through conventional settlement instructions, settlement documents, etc., but data is easily intercepted, tampered with, maliciously initiated, etc. during the settlement process, and it is difficult to trace the entire fund transaction and fund settlement circulation chain. In the conventional settlement process, it is necessary to check each settlement detail, check the total amount, distinguish the settlement type, and verify the settlement account information. There are complex calculations and partial failure possibilities in the middle, the settlement efficiency is also relatively low, and there are problems such as data exposure and tampering. In one or more embodiments of the present application, the present application provides a merchant fund settlement device based on blockchain, such as Figure 3 As shown, including:

[0066] The request sending module 11 sends a fund settlement request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0067] Payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed. Payment information generally includes the payee information, the payee information and the amount of payment. The payee information generally refers to the receiving unit, which can be a receiving company, etc.

[0068] The clearing module 12 classifies the payment information according to the payee information to assist the merchant in clearing assets.

[0069] It can be seen from the above technical solution that the present application provides a merchant fund clearing device based on blockchain. The device first sends a fund clearing request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded on the corresponding block of the blockchain after each payment transaction is completed; the payment information is then classified according to the payee information to assist the merchant asset clearing. It can be seen that the present application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund clearing is initiated, the information to be cleared can be identified by the blockchain identifier, which can effectively improve the clearing efficiency, uniqueness and security.

[0070] In order to verify the asset liquidation, in one or more embodiments of the present application, the blockchain generates a blockchain identifier after storing the payment information; the merchant asset liquidation device also includes:

[0071] The verification module identifies and verifies the corresponding payment information based on the obtained blockchain identifier.

[0072] In order to identify each clearing record, in one or more embodiments of the present application, the following is further included:

[0073] An identification generation module uploads the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identification;

[0074] The identification receiving module receives the settlement identification.

[0075] Furthermore, the clearing initiator may be a bank or a payment receiving enterprise. Specifically, in one or more embodiments of the present application, the following is further included:

[0076] The initiator identity determination module determines the identity of the initiator who initiates the fund settlement request;

[0077] A liquidation type determination module, which determines the liquidation type according to the identity of the initiator;

[0078] The settlement module is specifically used to assist in dividing the collection amount into corresponding payee information according to the settlement type.

[0079] From the hardware level, in order to solve the current fund settlement in the prior art, transaction records, settlement data, account information, etc. are all stored separately in different databases of different systems. Users initiate fund settlement through conventional settlement instructions, settlement documents, etc., but data is easily intercepted, tampered with, maliciously initiated, etc. during the settlement process, and it is difficult to trace the entire fund transaction and fund settlement circulation chain. In the conventional settlement process, it is necessary to check the settlement details one by one, check the total amount, distinguish the settlement type, and verify the settlement account information. There are complex calculations and partial failure possibilities in the middle, the settlement efficiency is also relatively low, and there are problems such as data exposure and tampering. The present application provides an embodiment of an electronic device for implementing all or part of the contents of the blockchain-based merchant fund settlement method, and the electronic device specifically includes the following contents:

[0080] Figure 4 Schematic block diagram of the device structure of the electronic device 9600 according to an embodiment of the present application. Figure 4 As shown, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. It is worth noting that Figure 4 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0081] In one embodiment, the merchant fund clearing function based on blockchain can be integrated into the central processor. The central processor can be configured to perform the following control:

[0082] Step 101: Send a fund settlement request to a payment system, so that the payment system retrieves payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0083] In the present application, the clearing device may be on the bank side or the user side. For example, if it is on the user side, the corresponding clearing device is the user terminal. If it is on the bank side, it is the server inside the bank. The present application is not limited to this.

[0084] In this step, payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed. Payment information generally includes the payee information, the payee information and the amount of payment. The payee information generally refers to the receiving unit, which can be a receiving company, etc.

[0085] Step 102: Classify the payment information according to the payee information to assist the merchant in clearing assets.

[0086] It can be seen from the above technical solution that the electronic device provided by this application first sends a fund settlement request to the payment system so that the payment system can retrieve the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; and then the payment information is classified according to the payee information to assist the merchant in asset settlement. It can be seen that this application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tampering and permanent preservation of the record. When the subsequent fund settlement is initiated, the information that needs to be settled can be identified by the blockchain identifier, which can effectively improve the settlement efficiency, uniqueness and security.

[0087] In another embodiment, the server can be configured separately from the central processor 9100. For example, the server can be a chip connected to the central processor 9100, and the blockchain-based merchant fund clearing function can be implemented through the control of the central processor.

[0088] like Figure 4 As shown, the electronic device 9600 may also include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Figure 4 In addition, the electronic device 9600 may also include Figure 4 For components not shown, reference may be made to the prior art.

[0089] like Figure 4 As shown, the central processing unit 9100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device, which receives input and controls the operation of various components of the electronic device 9600.

[0090] The memory 9140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 9100 may execute the program stored in the memory 9140 to implement information storage or processing, etc.

[0091] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display display objects such as images and texts. The display may be, for example, an LCD display, but is not limited thereto.

[0092] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 9600 through the central processor 9100.

[0093] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0094] The communication module 9110 is a transmitter / receiver 9110 that sends and receives signals via an antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0095] Based on different communication technologies, multiple communication modules 9110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module, etc. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide an audio output via the speaker 9131 and receive an audio input from the microphone 9132, thereby realizing a common telecommunication function. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 9130 is also coupled to the central processor 9100, so that recording can be performed on the local machine through the microphone 9132, and the sound stored on the local machine can be played through the speaker 9131.

[0096] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps of the merchant fund clearing method based on blockchain in the above embodiments. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps of the merchant fund clearing method based on blockchain in the above embodiments are implemented by the execution subject being a server or a client. For example, when the processor executes the computer program, the following steps are implemented:

[0097] Step 101: Send a fund settlement request to a payment system, so that the payment system retrieves payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed;

[0098] In the present application, the clearing device may be on the bank side or the user side. For example, if it is on the user side, the corresponding clearing device is the user terminal. If it is on the bank side, it is the server inside the bank. The present application is not limited to this.

[0099] In this step, payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed. Payment information generally includes the payee information, the payee information and the amount of payment. The payee information generally refers to the receiving unit, which can be a receiving company, etc.

[0100] Step 102: Classify the payment information according to the payee information to assist the merchant in clearing assets.

[0101] It can be seen from the above technical solution that the computer storage medium provided by this application first sends a fund settlement request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the amount of the payment; the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; the payment information is then classified according to the payee information to assist the merchant in asset settlement. It can be seen that this application records the transaction information, account information, etc. on the blockchain when the payment transaction related instructions are submitted, and returns the blockchain identifier to achieve the purpose of non-tamperable and permanent preservation of the record. When the subsequent fund settlement is initiated, the information that needs to be settled can be identified by the blockchain identifier, which can effectively improve the settlement efficiency, uniqueness and security.

[0102] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0103] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (apparatus), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0104] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0105] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0106] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. A merchant fund clearing method based on blockchain, characterized in that: include: Sending a fund settlement request to a payment system so that the payment system retrieves payment information stored in the blockchain; the payment information includes payee information and payment amount; The payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; The payment information is classified according to the payee information to assist the merchant in clearing assets; wherein, When payment transaction related instructions are submitted, the transaction information and account information will be recorded on the blockchain, and the blockchain identifier will be returned. When subsequent fund settlement is initiated, the blockchain identifier will be used to identify the information that needs to be settled.

2. The merchant fund clearing method based on blockchain according to claim 1, characterized in that: The blockchain generates a blockchain identifier after storing the payment information; The merchant asset liquidation method further includes: Identify and verify the corresponding payment information based on the obtained blockchain identifier.

3. The merchant fund clearing method based on blockchain according to claim 1, characterized in that: Also includes: Upload the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identifier; The liquidation identifier is received.

4. The merchant fund clearing method based on blockchain according to claim 1, characterized in that: Also includes: Determine the identity of the party initiating the funds settlement request; Determine the liquidation type based on the identity of the initiator; The assisting merchant asset liquidation includes assisting in dividing the collection amount into corresponding payee information according to the liquidation type.

5. A merchant fund clearing device based on blockchain, characterized in that: include: A request sending module sends a fund settlement request to the payment system so that the payment system retrieves the payment information stored in the blockchain; the payment information includes the payee information and the payment amount; wherein the payment information is recorded in the corresponding block of the blockchain after each payment transaction is completed; A clearing module is used to classify the payment information according to the payee information to assist the merchant in clearing assets; wherein, When payment transaction related instructions are submitted, the transaction information and account information will be recorded on the blockchain, and the blockchain identifier will be returned. When subsequent fund settlement is initiated, the blockchain identifier will be used to identify the information that needs to be settled.

6. The merchant fund clearing device based on blockchain according to claim 5, characterized in that: The blockchain generates a blockchain identifier after storing the payment information; The merchant asset liquidation device further includes: The verification module identifies and verifies the corresponding payment information based on the obtained blockchain identifier.

7. The merchant fund clearing device based on blockchain according to claim 5, characterized in that: Also includes: An identification generation module uploads the merchant asset liquidation information to the blockchain so that the corresponding block in the blockchain persists the merchant asset liquidation information and generates a liquidation identification; The identification receiving module receives the settlement identification.

8. The merchant fund clearing device based on blockchain according to claim 5, characterized in that: Also includes: The initiator identity determination module determines the identity of the initiator who initiates the fund settlement request; A liquidation type determination module, which determines the liquidation type according to the identity of the initiator; The settlement module is specifically used to assist in dividing the collection amount into corresponding payee information according to the settlement type.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the blockchain-based merchant funds clearing method described in any one of claims 1 to 4 is implemented.

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 blockchain-based merchant funds clearing method described in any one of claims 1 to 4 is implemented.

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