Business interaction method and device based on blockchain, electronic device, and storage medium

Abstract

The present invention discloses a business interaction method and device based on blockchain, an electronic device, and a storage medium, and relates to the field of blockchain. The method comprises: a first bill business node receives a bill business request sent by a current client, and when a node identifier indicates that the bill business node to which a target client belongs is not the first bill business node, the first bill business node sends pre-recorded customer credit information and transaction object information corresponding to the target client to the current client; the first bill business node records transaction information of business interaction between the current client and the target client; generates transaction aggregation data based on multiple recorded transaction information, and uploads the transaction aggregation data to an information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based business interaction method and device, electronic device, and storage medium. Background Art

[0002] In the relevant technology, as the electronic commercial bill trading system is centered on the bill exchange (hereinafter referred to as the bill exchange) platform, institutions with bill business qualifications are connected to the bill exchange as members, and corporate trading entities handle bill business through bill business institutions. During the business process, the reception, registration, and forwarding of electronic commercial bill data messages are all completed through the Electronic Commercial Bill System (ECDS). This trading system is a typical centralized structure.

[0003] Figure 1 It is a schematic diagram of an optional centralized bill business processing system in the prior art, such as Figure 1 As shown in the table below, in different bill business institutions ( Figure 1 Three bill business institutions 1, 2 and 3 are shown, among which customer 1 handles bill business at bill business institution 1, while customers 2 and 3 handle bill business at bill business institution 1) are customers 1 and 2 who host bill business. When customer 2 initiates a business request to bill business institution 2 for the bill held by customer 1 as the drawer / acceptor / endorser, since bill business institution 2 does not store the relevant information of customer 1 recorded by bill business institution 1, it is necessary to obtain the information of a relevant institution ( Figure 1 The industry supervision information provided by relevant institutions 1, 2 and 3 is shown. The bill business institution 2 needs to check the list information with a certain relevant institution 4 separately. At this time, the query and return information flow required for the bill transaction is as follows: Figure 1 As shown in the bold arrows, the information complexity of businesses such as supply chain bills is higher and the information flow is more frequent.

[0004] In this Figure 1 Under the structure shown, the holder of an electronic commercial bill needs to verify and evaluate the bill information and the information of each transaction party through information interaction actions such as inquiry and verification (especially in new bill financing businesses such as supply chain), and the centralized information link is not conducive to the formation of an efficient information sharing network.

[0005] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The embodiments of the present invention provide a business interaction method and device based on blockchain, an electronic device, and a storage medium, so as to at least solve the technical problems in the related technology of the bill and draft system adopting a centralized structure, frequently querying information from the central node, and having a high frequency of data flow.

[0007] According to one aspect of an embodiment of the present invention, a business interaction method based on blockchain is provided, which is applied to a business transaction system with a two-layer architecture, wherein the first layer of the business transaction system is a blockchain structure, and the second layer is a centralized distributed structure, wherein the first layer at least includes: a plurality of bill business nodes and an information aggregation node, and the second layer at least includes: a client set connected to each of the bill business nodes, and the business interaction method includes: a first bill business node receives a bill business request sent by a current client, wherein the bill business request at least includes: a node identifier of a bill business node to which a target client to which the current client is to have a business interaction belongs; when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node, the first bill business node sends pre-recorded customer credit information and transaction object information corresponding to the target client to the current client; the first bill business node records transaction information of business interaction between the current client and the target client; generates transaction aggregation data based on the recorded multiple copies of the transaction information, and uploads the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

[0008] Optionally, before the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, it also includes: the first bill business node records the terminal information of each client in the second client set broadcast by the second bill business node and the transaction object information corresponding to each client; the first bill business node records the industry supervision information broadcast by the first type of supervision node; the first bill business node records the verification blacklist broadcast by the second type of supervision node; the first bill business node combines the industry supervision information and the verification blacklist to determine the customer credit information.

[0009] Optionally, after the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, it also includes: the first bill business node reads the bill identifier in the bill business request; the first bill business node reads the pre-recorded bill face information and bill status based on the bill identifier; the first bill business node sends the bill face information and the bill status to the current client.

[0010] Optionally, the step of generating transaction aggregation data based on the recorded multiple copies of the transaction information includes: based on the centralized ledger corresponding to each recorded copy of the transaction information, extracting the transaction parameters of the centralized ledger according to the pre-set multiple aggregation items and data extraction rules to obtain the transaction aggregation data.

[0011] Optionally, the step of generating transaction aggregate data based on the recorded multiple copies of the transaction information includes: obtaining the data update frequency of each node in the first layer; taking the data update frequency with the highest frequency value as the generation frequency of the transaction aggregate data; and processing the recorded multiple copies of the transaction information at the generation frequency to generate the transaction aggregate data.

[0012] Optionally, the step of broadcasting the transaction aggregation data to each node in the first layer through the information aggregation node includes: the information aggregation node adds a timestamp to the transaction aggregation data; asymmetrically encrypts the transaction aggregation data with the timestamp, and broadcasts the encrypted transaction aggregation data to each node in the first layer.

[0013] Optionally, the first layer of the business transaction system also includes: multiple supervision nodes and bill transaction nodes.

[0014] According to another aspect of an embodiment of the present invention, there is also provided a blockchain-based business interaction device, which is applied to a business transaction system with a two-layer architecture, wherein the first layer of the business transaction system is a blockchain structure, and the second layer is a centralized distributed structure, wherein the first layer at least includes: a plurality of bill business nodes and an information aggregation node, and the second layer at least includes: a client set docked with each of the bill business nodes, and the business interaction device includes: a receiving unit, which is used for the first bill business node to receive a bill business request sent by the current client, wherein the bill business request at least includes: a node identifier of a bill business node to which a target client to which the current client is to have a business interaction belongs; a sending unit, which is used for the first bill business node to send pre-recorded customer credit information and transaction object information corresponding to the target client to the current client when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node; a recording unit, which is used for the first bill business node to record transaction information of business interaction between the current client and the target client; and a broadcasting unit, which is used to generate transaction aggregation data based on the recorded multiple copies of the transaction information, and upload the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

[0015] Optionally, the blockchain-based business interaction device also includes: a first recording module, which is used for the first bill business node to record the terminal information of each client in the second client set broadcasted by the second bill business node and the transaction object information corresponding to each client before the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; a second recording module, which is used for the first bill business node to record the industry supervision information broadcasted by the first type of supervision node; a third recording module, which is used for the first bill business node to record the verification blacklist broadcasted by the second type of supervision node; and a first determination module, which is used for the first bill business node to determine the customer credit information by combining the industry supervision information and the verification blacklist.

[0016] Optionally, the blockchain-based business interaction device also includes: a first reading module, used for the first bill business node to read the bill identifier in the bill business request after the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; a second reading module, used for the first bill business node to read the pre-recorded bill face information and bill status based on the bill identifier; and a sending module, used for the first bill business node to send the bill face information and the bill status to the current client.

[0017] Optionally, the broadcast unit includes: an extraction module, which is used to extract the transaction parameters of the centralized ledger based on the centralized ledger corresponding to each recorded transaction information according to a plurality of pre-set aggregation items and data extraction rules to obtain the transaction aggregation data.

[0018] Optionally, the broadcast unit also includes: a first acquisition module, used to obtain the data update frequency of each node in the first layer; using the data update frequency with the highest frequency value as the generation frequency of transaction aggregation data; a first generation module, used to process multiple copies of the recorded transaction information at the generation frequency to generate the transaction aggregation data.

[0019] Optionally, the broadcast unit also includes: an adding module, which is used for the information aggregation node to add a timestamp to the transaction aggregation data; an encryption module, which is used to asymmetrically encrypt the transaction aggregation data with the timestamp added, and broadcast the encrypted transaction aggregation data to each node in the first layer.

[0020] Optionally, the first layer of the business transaction system also includes: multiple supervision nodes and bill transaction nodes.

[0021] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned blockchain-based business interaction methods.

[0022] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned blockchain-based business interaction methods.

[0023] In an embodiment of the present invention, a first bill business node is used to receive a bill business request sent by a current client, and the bill business request includes at least: a node identifier of a bill business node to which a target client that is to perform business interaction with the current client belongs; when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node, the first bill business node sends pre-recorded customer credit information and transaction object information corresponding to the target client to the current client, and the first bill business node records transaction information of business interaction between the current client and the target client, generates transaction aggregation data based on the recorded multiple transaction information, and uploads the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node. In this embodiment, through a two-layer business transaction system, a blockchain architecture is adopted between bill business institutions to achieve the unification and sharing of core information such as credit, between bill business institutions and clients, while the transaction details still maintain a centralized accounting method, and the bill business node provides the client with pre-stored core information such as credit at one time. In this way, after receiving the business request, the bill business node can directly send the shared credit information to the client directly, without having to query other bill business institutions and related institutions for the core information such as the credit of the transaction customer. The frequency of data flow will be significantly reduced, and at the same time, the information query to the bill center platform (central node) will be significantly reduced, thereby solving the technical problem of the bill and draft system with a centralized structure in the related technology, frequent information query to the central node, and high data flow frequency. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0025] Figure 1It is a schematic diagram of an optional centralized bill business processing system in the prior art;

[0026] Figure 2 is a schematic diagram of an optional business transaction system according to an embodiment of the present invention;

[0027] Figure 3 is a flowchart of an optional blockchain-based business interaction method according to an embodiment of the present invention;

[0028] Figure 4 is a schematic diagram of an optional blockchain-based business interaction device according to an embodiment of the present invention;

[0029] Figure 5 It is a hardware structure block diagram of an electronic device (or mobile device) for implementing a blockchain-based business interaction method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0032] It should be noted that the blockchain-based business interaction method and device in the present application can be used in the field of blockchain technology to realize bill business interaction, and can also be used in any field outside the field of blockchain technology to realize bill business interaction. The application does not limit the application field of the blockchain-based business interaction method and device in the present application.

[0033] It should be noted that the customer information (including but not limited to the client's device information, customer subject information, etc.) and data (including but not limited to data used for display, data for analysis, etc.) involved in this application are all information and data authorized by the customer or fully authorized by all parties.

[0034] With the emergence of products such as standardized bills and supply chain bills, the bill business volume has grown steadily, and the problems existing in the centralized accounting method need to be solved. Blockchain technology is introduced in this application. However, if blockchain technology is simply used to solve the problems caused by the distributed centralized structure, and all transactions are uploaded to the chain in real time, then the performance of the currently available blockchain cannot support the existing transaction frequency. If a completely public chain is used, the cost of entering the chain is high, and the hardware and network requirements of each transaction entity are high. The core of this application is not the trust of end customers in trading institutions, but the trust between the parties to the transaction. This trust problem can be solved by sharing some information on the private chain.

[0035] This application provides a system solution of a two-layer architecture for bill exchanges and bill business institutions. The solution is based on the two-layer structure of a private chain: the first layer, the blockchain architecture (i.e., private chain architecture) is adopted between the bill center platform and the bill business institutions to achieve the unification and sharing of core information such as credit, and to ensure information security with asymmetric encryption; the second layer, between the bill business institutions and the end customers, the transaction details maintain the existing centralized accounting method, and the node of the bill business institution where the end customer of the current transaction is located provides each customer with necessary information such as credit and blacklist at one time. This can improve the current situation of frequent information retrieval from the central node by each bill transaction system in the prior art, and at the same time avoid the performance defects of the blockchain in supporting transaction details. While fully releasing the information sharing advantages of the bill business on the chain, it solves the problem of unequal business frequency and blockchain performance, and is suitable for the development of supply chain bills, smart payment, smart contracts and other businesses. The present invention is described in detail below in conjunction with each embodiment.

[0036] Embodiment 1

[0037] According to an embodiment of the present invention, an embodiment of a business interaction method based on blockchain is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0038] An embodiment of the present invention provides a blockchain-based business interaction method, which is applied to a business transaction system with a two-layer architecture. The first layer of the business transaction system is a blockchain structure, and the second layer is a centralized distributed structure. The first layer includes at least: multiple bill business nodes and information aggregation nodes, and the second layer includes at least: a client set connected to each bill business node.

[0039] Figure 2 is a schematic diagram of an optional business transaction system according to an embodiment of the present invention. Figure 2 As shown, the first layer of the business transaction system includes: transaction aggregation node (node ​​1), related institution 1 (node ​​2, which can be understood as regulatory node 1), bill center platform (node ​​3, which can be understood as bill transaction node), related institution 2 (node ​​4, which can be understood as regulatory node 2), bill business institution 1 (node ​​5), bill business institution 2 (node ​​6); and the second layer includes: multiple clients ( Figure 2 It illustrates customer 1 and customer 2 corresponding to bill business institution 1, as well as customer 3 and customer 4 connected to the bill business institution).

[0040] The bill business institution in this embodiment can be understood as a financial service institution, such as a bank; each bill business institution connects with different customers, and the bill business institution connects with the bill center platform, which can be understood as a bill exchange; and the relevant institutions can include but are not limited to: bank regulatory agencies, credit reporting agencies, etc., which can provide core information such as blacklist information, industry regulatory information, and customer credit information.

[0041] The first layer of the business transaction system is a blockchain structure, which can be understood as a sharing layer, where information is shared between nodes, while the second layer is a centralized distributed structure, which can be understood as a transaction layer, used to support bill business transactions. Figure 2 As shown, the first layer of the business transaction system includes 6 nodes, which are nodes corresponding to two bill business institutions (in this embodiment, they can be understood as bill business nodes), nodes corresponding to related institutions 1 and 2 (in this embodiment, they can be understood as supervision nodes, Figure 2 Two supervision nodes are shown, namely, node 2 and node 4. In actual application, it is not limited to two supervision nodes. The first layer may also include other supervision nodes), nodes corresponding to the bill center platform (i.e., bill transaction nodes, Figure 2 The node 3 is used for illustration. The node can be indicated as a ticket exchange) and a transaction aggregation node. Figure 2 Only the main institutional nodes are shown, and the nodes corresponding to other institutions where transaction information is sourced may also be included; Figure 2 The second layer in includes multiple customers.

[0042] Figure 2The first layer adopts a blockchain structure (shared layer private chain structure). Each node, according to its own regulatory provisions, processes the business and information allowed by the supervision within its jurisdiction on the chain. The relationship between each node is equal, the information on the chain is symmetrical, and the information security is ensured by asymmetric encryption. The second layer adopts a centralized distributed structure. This centralized distributed structure can adopt a centralized ledger structure, which has no impact on the underlying transactions. It uses the bill transaction details as the basic data, performs preliminary processing, and forms aggregated data, such as single customer holding status, acceptance distribution, daily inflow and outflow, various discount balances, counterparty distribution, capital turnover cycle, etc. Specific data items are set according to actual needs.

[0043] The transaction behavior generated in the second layer corresponds to transaction information. The aggregated data formed by the transaction information should be included in a node or be an independent node (in Figure 2 The data of the second layer is processed by various monitoring and prediction models to form different levels of control and credit information, which is shared among the nodes on the chain and then transmitted to the second layer by the current node that triggers the transaction, so as to implement corresponding control measures on the customers or bills involved in the control.

[0044] Transaction aggregation data is processed based on the detailed information of bill transactions within a historical preset time period. The detailed information of transactions is the centralized account book of each bill business institution, which is the same as the existing method. The specific data content and data form collected by transaction aggregation data include two parts. The first part is the basic detailed aggregation data, and the second part is the other transaction details data required by each node in the first layer. The generation frequency of transaction aggregation data can be determined by the highest frequency required by the shared layer nodes for data. Nodes without special requirements can be updated every hour, and nodes with special requirements can set separate generation and transmission frequencies for some of the data they require.

[0045] The implementation scheme of this embodiment is explained below in conjunction with specific implementation steps.

[0046] Figure 3 is a flowchart of an optional blockchain-based business interaction method according to an embodiment of the present invention, such as Figure 3 As shown, the method comprises the following steps:

[0047] Step S301: A first bill service node receives a bill service request sent by a current client, wherein the bill service request at least includes: a node identifier of a bill service node to which a target client that is to perform service interaction with the current client belongs.

[0048] In this embodiment, the first bill business node may refer to a blockchain node corresponding to a bill business institution. The bill business institution may be connected to multiple clients, and the types of the bill business institution include but are not limited to: banks. Multiple clients correspond to one bill business institution. If bill business transactions need to be conducted between the clients, a bill business request needs to be sent to the bill business node first.

[0049] A bill business request may refer to a request message sent by a client to a connected bill business institution when a user (or a customer, such as a corporate entity or an individual user) conducts a bill business transaction with another client through a client (such as a terminal device such as a PC or a notebook). The bill business includes but is not limited to: discount business, for example, Figure 2 In the example, Customer 2 and Customer 3, who host bill business at different bill business institutions, initiate discounting of the bill held by Customer 3 with the bill business institution as the drawer / acceptor / endorser.

[0050] Step S302: When the node identifier indicates that the bill service node to which the target client belongs is not the first bill service node, the first bill service node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client.

[0051] Since each bill business institution will pre-record the customer information, credit information and list information of each customer, if the customers are connected to the same bill business institution, the bill business institution can directly retrieve the customer information, credit information and list information between the pre-stored transaction customers, without the need to obtain the customer information of another customer through other bill business institutions, and directly complete the bill business transaction between customers by obtaining credit information through relevant institutions. Therefore, if the node identifier indicates that the bill business node to which the target client belongs is also the first bill business node, it means that both clients are hosting bill business in the same bill business institution, and at this time, their transactions are carried out according to the normal process. This application mainly considers bill business transactions between customers who host bill business in different bill business institutions.

[0052] In this embodiment, when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node, the first bill business node needs to obtain the pre-recorded customer credit information and the transaction object information corresponding to the target client, and then send this information to the current client.

[0053] The nodes in the first layer are equal to each other. According to their own regulatory provisions, each node will share the business and information permitted by the supervision within its jurisdiction on the chain. Therefore, after receiving the bill business request, the bill business node can directly extract the pre-recorded customer credit information and the transaction object information corresponding to the target client.

[0054] Step S303: The first bill service node records transaction information of the service interaction between the current client and the target client.

[0055] The transaction information in this embodiment includes, but is not limited to: the number of transactions in cross-dimensional dimensions, the amount, the transaction object of the transaction customer, the current holding customer, the previous holding, the business size category, the interest rate (if involved), the business status, the region, the channel, the related trade information, etc., as well as the derivative information such as the business tendency, periodic characteristics, and volatility characteristics generated based on the above information.

[0056] Step S304, generating transaction aggregation data based on the recorded multiple transaction information, and uploading the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

[0057] After the bill business completes the transaction, the transaction details or transaction information will not be uploaded to the chain immediately and trigger the synchronization of all nodes on the chain. Instead, the transaction aggregation data will be generated at a specified frequency and specified rules, and then uploaded to the transaction information aggregation data node. When the upload action occurs, it will trigger the broadcast from the node to other nodes on the chain. At this time, the nodes on the chain do not include the terminal customers of the bill business, which greatly reduces the number of nodes.

[0058] Optionally, in this embodiment, the transaction information recorded in the centralized ledger can be integrated, and the transaction information within a certain period of time can be pre-processed to generate transaction aggregation data. The transaction aggregation data includes but is not limited to: single customer ticket holding status, acceptance distribution, daily inflows and outflows, various types of discount balances, counterparty distribution, capital turnover cycle, etc. Specific data items are set according to actual needs.

[0059] Through the above steps, the first bill business node receives the bill business request sent by the current client, and the bill business request at least includes: the node identifier of the bill business node to which the target client that is to perform business interaction with the current client belongs; when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node, the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, the first bill business node records the transaction information of the business interaction between the current client and the target client, generates transaction aggregation data based on the recorded multiple transaction information, and uploads the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node. In this embodiment, through a two-layer business transaction system, a blockchain architecture is adopted between bill business institutions to achieve the unification and sharing of core information such as credit, between bill business institutions and clients, while the transaction details still maintain a centralized accounting method, and the bill business institution provides the client with pre-stored core information such as credit at one time. In this way, the bill business node can directly send the shared credit information to the client after receiving the business request, without having to query other bill business institutions and related institutions for the core information such as the credit of the transaction customer. The frequency of data flow will be significantly reduced, and at the same time, the information query to the bill center platform (central node) will be significantly reduced, thereby solving the technical problem of the bill and draft system with a centralized structure in the related technology, frequent information query to the central node, and high data flow frequency.

[0060] Optionally, before the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, it also includes: the first bill business node records the terminal information of each client in the second client set broadcast by the second bill business node and the transaction object information corresponding to each client; the first bill business node records the industry supervision information broadcast by the first type of supervision node; the first bill business node records the verification blacklist broadcast by the second type of supervision node; the first bill business node combines the industry supervision information and the verification blacklist to determine the customer credit information.

[0061] In this embodiment, the nodes of the business transaction system share information in advance, for example, Figure 2 In the case of a relevant institution 1 (indicating the first type of regulatory node, Figure 2 Node 2 in the figure provides industry regulatory information, and a relevant agency 2 (indicates the second type of regulatory node, Figure 2The blacklist of verification provided by node 4 in the figure and the transaction object information of customer 3 provided by bill business institution 2 have been shared among nodes by the blockchain. Therefore, bill business institution 1 where customer 2 is located, as a node on the chain, can directly use the above information without initiating information requests for a single transaction. In this way, for a bill discount request initiated by customer 2 to the bill business institution with customer 3 as the drawer / acceptor / endorser, the information flow of this transaction is as follows: Figure 2 The bold black arrow in the middle indicates that the information flow required for this single transaction process is greatly reduced compared with the information flow interaction of the existing technology.

[0062] Another optional method, after the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, it also includes: the first bill business node reads the bill identifier in the bill business request; the first bill business node reads the pre-recorded bill face information and bill status based on the bill identifier; the first bill business node sends the bill face information and bill status to the current client.

[0063] In this embodiment, the basic information on the face value of the bill and the bill status are provided by the bill exchange node of the shared layer, and are read by association with the bill number when used, so the basic information on the face value of the bill is not provided repeatedly in the transaction aggregation data.

[0064] In this embodiment, the step of generating transaction aggregation data based on multiple recorded transaction information includes: based on the centralized ledger corresponding to each recorded transaction information, extracting the transaction parameters of the centralized ledger according to multiple pre-set aggregation items and data extraction rules to obtain transaction aggregation data.

[0065] Optionally, the step of generating transaction aggregate data based on multiple recorded transaction information includes: obtaining the data update frequency of each node in the first layer; using the data update frequency with the highest frequency value as the generation frequency of transaction aggregate data; and processing the multiple recorded transaction information at the generation frequency to generate transaction aggregate data.

[0066] Transaction aggregate data is processed by avoiding bill transaction information. Transaction information is the centralized account book of each bill business institution. The generation frequency of transaction aggregate data can be determined by the highest frequency of data required by each node in the first layer. If a node in the first layer has no special requirements, it can be updated according to the preset interval (for example, 1 hour interval). If a node in the first layer has special requirements, a separate generation and transmission frequency can be set for the required part of the data.

[0067] In this embodiment, the step of broadcasting transaction aggregation data to each node in the first layer through the information aggregation node includes: the information aggregation node adds a timestamp to the transaction aggregation data; asymmetrically encrypts the transaction aggregation data with the timestamp, and broadcasts the encrypted transaction aggregation data to each node in the first layer.

[0068] In accordance with their respective regulatory provisions, each node will upload the business and information permitted by the supervision within its jurisdiction to the chain for processing. The relationships between the nodes are equal, the information uploaded to the chain is symmetrical, and information security is ensured by asymmetric encryption.

[0069] Through this embodiment, the problem of high frequency of data flow caused by centralized structure in the process of connecting bill exchange, bill business institution and end customer can be solved, and the problem of incompatibility between the information sharing advantage of blockchain and the frequency of supporting bill transactions can be solved. Secondly, the use of blockchain technology to support the bill trading system is conducive to supporting smart contracts, automatic payment, credit information sharing, etc. in the long run.

[0070] This embodiment can improve the current drawback of frequent information query from central nodes in various bill transaction systems, and avoid the performance defects of blockchain in supporting transaction details. While fully releasing the information sharing advantages of bill business on the chain, it can also solve the problem of inequality between business frequency and blockchain performance. It is especially beneficial to the development of supply chain bills, smart payment, smart contracts and other businesses.

[0071] The present invention is described below in conjunction with another optional embodiment.

[0072] Embodiment 2

[0073] This embodiment provides a business interaction device based on blockchain, which is applied to a business transaction system with a two-layer architecture. The first layer of the business transaction system is a blockchain structure, and the second layer is a centralized distributed structure. The first layer includes at least: multiple bill business nodes and information aggregation nodes, and the second layer includes at least: a client set connected to each bill business node.

[0074] The blockchain-based business interaction device provided in this embodiment may include multiple implementation units, each implementation unit corresponding to each implementation step in the above-mentioned embodiment one.

[0075] Figure 4 is a schematic diagram of an optional blockchain-based business interaction device according to an embodiment of the present invention, such as Figure 4 As shown, the device includes: a receiving unit 41, a sending unit 42, a recording unit 43, and a broadcasting unit 44, wherein:

[0076] The receiving unit 41 is used for the first bill service node to receive the bill service request sent by the current client, wherein the bill service request at least includes: a node identifier of the bill service node to which the target client to perform service interaction with the current client belongs;

[0077] The sending unit 42 is used for sending the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client by the first bill service node when the node identifier indicates that the bill service node to which the target client belongs is not the first bill service node;

[0078] A recording unit 43, used for the first bill service node to record transaction information of the service interaction between the current client and the target client;

[0079] The broadcast unit 44 is used to generate transaction aggregation data based on the recorded multiple transaction information, and upload the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

[0080] The above-mentioned blockchain-based business interaction device receives the bill business request sent by the current client through the first bill business node of the receiving unit 41, and the bill business request at least includes: the node identifier of the bill business node to which the target client that is to conduct business interaction with the current client belongs; when the node identifier indicates that the bill business node to which the target client belongs is not the first bill business node, the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client through the sending unit 42; the first bill business node records the transaction information of the business interaction between the current client and the target client through the recording unit 43; generates transaction aggregation data based on the recorded multiple transaction information through the broadcasting unit 44, and uploads the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node. In this embodiment, through a two-layer business transaction system, a blockchain architecture is adopted between bill business institutions to achieve the unification and sharing of core information such as credit, between bill business institutions and clients, while the transaction details still maintain a centralized accounting method, and the bill business institution provides the client with pre-stored core information such as credit at one time. In this way, the bill business node can directly send the shared credit information to the client after receiving the business request, without having to query other bill business institutions and related institutions for the core information such as the credit of the transaction customer. The frequency of data flow will be significantly reduced, and at the same time, the information query to the bill center platform (central node) will be significantly reduced, thereby solving the technical problem of the bill and draft system with a centralized structure in the related technology, frequent information query to the central node, and high data flow frequency.

[0081] Optionally, the blockchain-based business interaction device also includes: a first recording module, which is used for the first bill business node to record the terminal information of each client in the second client set broadcasted by the second bill business node and the transaction object information corresponding to each client before the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; a second recording module, which is used for the first bill business node to record the industry supervision information broadcasted by the first type of supervision node; a third recording module, which is used for the first bill business node to record the verification blacklist broadcasted by the second type of supervision node; and a first determination module, which is used for the first bill business node to determine the customer credit information by combining the industry supervision information and the verification blacklist.

[0082] Optionally, the blockchain-based business interaction device also includes: a first reading module, which is used for the first bill business node to read the bill identifier in the bill business request after the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; a second reading module, which is used for the first bill business node to read the pre-recorded bill face information and bill status based on the bill identifier; and a sending module, which is used for the first bill business node to send the bill face information and bill status to the current client.

[0083] Optionally, the broadcast unit 44 includes: an extraction module, which is used to extract transaction parameters of the centralized ledger based on the centralized ledger corresponding to each piece of transaction information recorded, according to a plurality of pre-set aggregation items and data extraction rules, to obtain transaction aggregation data.

[0084] Optionally, the broadcast unit 44 also includes: a first acquisition module, used to obtain the data update frequency of each node in the first layer; using the data update frequency with the highest frequency value as the generation frequency of transaction aggregation data; a first generation module, used to process multiple recorded transaction information at the generation frequency to generate transaction aggregation data.

[0085] Optionally, the broadcast unit 44 also includes: an adding module, which is used for the information aggregation node to add a timestamp to the transaction aggregation data; an encryption module, which is used to asymmetrically encrypt the transaction aggregation data with the timestamp added, and broadcast the encrypted transaction aggregation data to each node in the first layer.

[0086] Optionally, the first layer of the business transaction system also includes: multiple supervision nodes and bill transaction nodes.

[0087] The above-mentioned blockchain-based business interaction device may also include a processor and a memory. The above-mentioned receiving unit 41, issuing unit 42, recording unit 43, broadcasting unit 44, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0088] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the transaction aggregation data is generated based on the recorded multiple transaction information by adjusting the kernel parameters, and the transaction aggregation data is uploaded to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node.

[0089] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one storage chip.

[0090] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any one of the above-mentioned blockchain-based business interaction methods.

[0091] Figure 5 1 is a hardware structure diagram of an electronic device (or mobile device) for implementing a business interaction method based on blockchain according to an embodiment of the present invention. Figure 5 As shown, the electronic device may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), and a memory 104 for storing data. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the I / O interface), a network interface, a keyboard, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 5 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 5 More or fewer components as shown, or with Figure 5 Different configurations are shown.

[0092] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned blockchain-based business interaction methods.

[0093] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0094] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0095] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0096] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0097] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0098] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0099] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A business interaction method based on blockchain, characterized in that: Applied to a business transaction system with a two-layer architecture, the first layer of the business transaction system is a blockchain structure, the second layer is a centralized distributed structure, the first layer includes at least: a plurality of bill business nodes and an information aggregation node, the second layer includes at least: a client set connected to each of the bill business nodes, the business interaction method includes: The first bill service node receives a bill service request sent by the current client, wherein the bill service request at least includes: a node identifier of a bill service node to which a target client to which the current client is to perform service interaction belongs; When the node identifier indicates that the bill service node to which the target client belongs is not the first bill service node, the first bill service node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; The first bill service node records transaction information of business interaction between the current client and the target client; Generate transaction aggregation data based on the recorded multiple copies of transaction information, and upload the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node; Before the first bill service node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, the method further includes: the first bill service node records the terminal information of each client in the second client set broadcasted by the second bill service node and the transaction object information corresponding to each client; the first bill service node records the industry supervision information broadcasted by the first type of supervision node; the first bill service node records the verification blacklist broadcasted by the second type of supervision node; the first bill service node combines the industry supervision information and the verification blacklist to determine the customer credit information; The step of generating transaction aggregation data based on the recorded multiple copies of the transaction information includes: based on the centralized ledger corresponding to each recorded copy of the transaction information, extracting the transaction parameters of the centralized ledger according to the pre-set multiple aggregation items and data extraction rules to obtain the transaction aggregation data.

2. The service interaction method according to claim 1, characterized in that: After the first bill service node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client, the method further includes: The first bill service node reads the bill identifier in the bill service request; The first bill service node reads the pre-recorded bill information and bill status based on the bill identifier; The first bill service node sends the bill information and the bill status to the current client.

3. The service interaction method according to claim 1, characterized in that: The step of generating transaction aggregate data based on the recorded multiple copies of transaction information includes: Obtaining the data update frequency of each node in the first layer; The data update frequency with the highest frequency value is used as the generation frequency of transaction aggregation data; The plurality of recorded transaction information are processed at the generation frequency to generate the transaction aggregate data.

4. The service interaction method according to claim 1, characterized in that: The step of broadcasting the transaction aggregation data to each node in the first layer through the information aggregation node includes: The information aggregation node adds a timestamp to the transaction aggregation data; The transaction aggregation data with the timestamp is asymmetrically encrypted, and the encrypted transaction aggregation data is broadcast to each node in the first layer.

5. The service interaction method according to claim 1, characterized in that: The first layer of the business transaction system also includes: multiple supervision nodes and bill transaction nodes.

6. A business interaction device based on blockchain, characterized in that: Applied to a business transaction system with a two-layer architecture, the first layer of the business transaction system is a blockchain structure, the second layer is a centralized distributed structure, the first layer at least includes: a plurality of bill business nodes and an information aggregation node, the second layer at least includes: a client set connected to each of the bill business nodes, the business interaction device includes: A receiving unit, configured to receive, as a first bill service node, a bill service request sent by a current client, wherein the bill service request at least includes: a node identifier of a bill service node to which a target client to which the current client is to perform service interaction belongs; A sending unit, configured to send the pre-recorded customer credit information and transaction object information corresponding to the target client to the current client when the node identifier indicates that the bill service node to which the target client belongs is not the first bill service node; A recording unit, used for the first bill service node to record transaction information of business interaction between the current client and the target client; a broadcast unit, configured to generate transaction aggregation data based on the recorded multiple copies of the transaction information, and upload the transaction aggregation data to the information aggregation node, so as to broadcast the transaction aggregation data to each node in the first layer through the information aggregation node; The blockchain-based business interaction device also includes: a first recording module, which is used for the first bill business node to record the terminal information of each client in the second client set broadcasted by the second bill business node and the transaction object information corresponding to each client before the first bill business node sends the pre-recorded customer credit information and the transaction object information corresponding to the target client to the current client; a second recording module, which is used for the first bill business node to record the industry supervision information broadcasted by the first type of supervision node; a third recording module, which is used for the first bill business node to record the verification blacklist broadcasted by the second type of supervision node; a first determination module, which is used for the first bill business node to determine the customer credit information by combining the industry supervision information and the verification blacklist; The broadcast unit includes: an extraction module, which is used to extract the transaction parameters of the centralized account book based on the centralized account book corresponding to each recorded transaction information according to a plurality of pre-set aggregation items and data extraction rules to obtain the transaction aggregation data.

7. An electronic device, characterized in that: The system comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the blockchain-based business interaction method as described in any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute the blockchain-based business interaction method described in any one of claims 1 to 5.

9. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the blockchain-based business interaction method described in any one of claims 1 to 5 are implemented.

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