Blockchain-based fund transfer method, device and system

Abstract

The present invention provides a blockchain-based fund transfer method, device and system, belonging to the field of blockchain technology, and can be applied to the field of financial technology or other technical fields. The blockchain-based fund transfer method is applied to a blockchain platform and includes: receiving revenue and expenditure transaction data from each payment terminal, and determining customer aggregation data according to the customer information in the revenue and expenditure transaction data; performing aggregation processing on each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal and the customer information; sending the revenue and expenditure transaction data after aggregation processing to the corresponding fund channel terminal and fund storage terminal, so that the fund channel terminal and the fund storage terminal update the corresponding account data according to the revenue and expenditure transaction data. The present invention can minimize system overhead through secondary aggregation and smart contract technology, and realize the free circulation of spare change funds.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular, to a method, device and system for fund transfer based on blockchain. Background Art

[0002] With the continuous development of Internet services, third-party payment institutions have gradually emerged. A part of the retained funds of each third-party payment institution are mostly stored in customers' wallets in the form of spare change. The biggest feature of the spare change wallet is that the daily receipt and payment transaction volume is huge and scattered in different payment institutions. To achieve centralized processing of funds from multiple payment institutions, if a single-layer blockchain is used to solve the centralization problem, all transactions are uploaded to the blockchain in real time and aggregated in real time, and the system overhead of the blockchain will be very large, and the performance cannot support timely response to customer needs. Summary of the Invention

[0003] The main purpose of the embodiments of the present invention is to provide a method, device and system for fund transfer based on blockchain, so as to minimize system overhead through secondary aggregation and smart contract technology and realize the free circulation of spare change funds.

[0004] To achieve the above object, an embodiment of the present invention provides a method for fund transfer based on blockchain, which is applied to a blockchain platform and includes:

[0005] Receiving receipt and payment transaction data from each payment end, and determining customer aggregation data according to customer information in the receipt and payment transaction data;

[0006] Performing aggregation processing on each receipt and payment transaction data according to the customer aggregation data, the response time of each payment end and the customer information;

[0007] Sending the receipt and payment transaction data after aggregation processing to the corresponding fund channel end and fund storage end, so that the fund channel end and the fund storage end update the corresponding account data according to the receipt and payment transaction data.

[0008] An embodiment of the present invention further provides a fund transfer device based on blockchain, including:

[0009] A customer aggregation data module, configured to receive receipt and payment transaction data from each payment end, and determine customer aggregation data according to customer information in the receipt and payment transaction data;

[0010] An aggregation processing module, configured to perform aggregation processing on each receipt and payment transaction data according to the customer aggregation data, the response time of each payment end and the customer information;

[0011] A sending module, configured to send the receipt and payment transaction data after aggregation processing to the corresponding fund channel end and fund storage end, so that the fund channel end and the fund storage end update the corresponding account data according to the receipt and payment transaction data.

[0012] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor. When the processor executes the computer program, the steps of the blockchain-based fund transfer method are implemented.

[0013] An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the blockchain-based fund transfer method are implemented.

[0014] An embodiment of the present invention further provides a blockchain-based fund transfer system, including:

[0015] Multiple payment terminals;

[0016] A blockchain platform, which is used to receive the income and expenditure transaction data from each payment terminal, determine customer aggregation data according to the customer information in the income and expenditure transaction data; perform aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information; send the aggregated income and expenditure transaction data to the corresponding fund channel terminal and fund storage terminal.

[0017] The fund channel terminal is used to update the corresponding account data according to the income and expenditure transaction data;

[0018] The fund storage terminal is used to update the corresponding account data according to the income and expenditure transaction data.

[0019] The blockchain-based fund transfer method, device, and system in the embodiment of the present invention first determine customer aggregation data according to the customer information in the income and expenditure transaction data from each payment terminal, then perform aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information, and finally send the aggregated income and expenditure transaction data to the corresponding fund channel terminal and fund storage terminal so that the fund channel terminal and the fund storage terminal update the corresponding account data according to the income and expenditure transaction data, which can minimize system overhead through secondary aggregation and smart contract technology and realize the free circulation of spare change funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0021] Figure 1 It is a schematic diagram of the blockchain-based fund transfer system in the embodiment of the present invention;

[0022] Figure 2 It is a schematic diagram of the blockchain platform and the payment terminal in an embodiment of the present invention;

[0023] Figure 3 It is a flowchart of the fund transfer method based on the blockchain in an embodiment of the present invention;

[0024] Figure 4 It is a flowchart of determining customer aggregation data in an embodiment of the present invention;

[0025] Figure 5 It is a flowchart of S201 in an embodiment of the present invention;

[0026] Figure 6 It is a flowchart of S102 in an embodiment of the present invention;

[0027] Figure 7 It is a structural block diagram of the fund transfer device based on the blockchain in an embodiment of the present invention;

[0028] Figure 8 It is a structural block diagram of a computer device in an embodiment of the present invention;

[0029] Figure 9 It is a schematic diagram of the fund transfer system based on the blockchain in another embodiment of the present invention;

[0030] Figure 10 It is a flowchart of establishing a fund channel protocol in an embodiment of the present invention;

[0031] Figure 11 It is a flowchart of fund deposit in an embodiment of the present invention;

[0032] Figure 12 It is a flowchart of fund withdrawal in an embodiment of the present invention. Detailed implementation manners

[0033] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0034] Those skilled in the art know that the implementation manner of the present invention can be realized as a system, a device, a device, a method, or a computer program product. Therefore, the present disclosure can be specifically realized in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0035] In view of the fact that the current system overhead of the blockchain is extremely large and its performance cannot support timely response to customer needs, the embodiments of the present invention provide a fund transfer method, device and system based on the blockchain. By establishing a fund channel through a two-layer blockchain technology, and at the same time minimizing the system overhead to the greatest extent through secondary aggregation and smart contract technologies, it realizes the joint participation of multiple payment institutions and centralized storage of funds. Through the fund transfer of multiple accounts, the spare change funds can freely circulate between third-party payment institutions and banks, enabling the retained funds of customers in each third-party payment institution to be stored in commercial banks for preservation and appreciation, meeting the flexible use needs of customers.

[0036] For example, a customer has a spare change account in each of multiple third-party payment institutions, and the customer is a small and micro business owner with a large number of daily fund receipt and payment behaviors. The customer wants to centralize all the spare change accounts to achieve the preservation and appreciation of funds, and can use the spare change for convenient payment. To meet this demand, a savings account needs to be opened in the fund storage bank to store funds. The reason for opening a savings account is that due to the restrictions of the bank settlement account system, a settlement account cannot be opened online, and due to the "one person, one account" restriction, most customers can no longer open a settlement account, and the existing settlement accounts cannot be used for special purposes. A savings account can achieve closed-loop storage of funds without being misused by other scenarios. However, since a savings account can only transfer funds between the same names, a channel account needs to be provided. On the one hand, it provides authentication when opening a savings account to ensure the validity of the customer's relevant information during account opening; on the other hand, it provides a fund transfer channel to ensure that the customer's funds can be conveniently transferred between the fund storage account and the spare change account of the third-party payment institution.

[0037] Since there are a large number of payment and receipt behaviors for the spare change funds retained in the payment institution every day, if the data changes of each income and expenditure behavior of the customer in the payment institution are updated on the chain, it will cause huge system consumption. Therefore, one of the main problems to be solved by the present invention is to solve the problem of system consumption without affecting the customer's use.

[0038] Figure 1 It is a schematic diagram of the fund transfer system based on the blockchain in the embodiments of the present invention. As Figure 1 shown, the present invention at least involves a node device of financial institution A, a node device of financial institution B, a blockchain platform, a node device of third-party payment institution (payment end) C, and a node device of third-party payment institution D. Since the system has the characteristics of high efficiency and intensiveness, it supports the continuous increase of third-party payment institution partners in this mode. Here, two third-party payment institutions are used for illustration.

[0039] Among them, the node devices of financial institution A and financial institution B represent the devices of two financial institutions respectively, and they undertake the function of assisting each other. When financial institution A serves as the customer's capital storage bank (capital storage end), financial institution B undertakes the function of the capital channel bank (capital channel end). Conversely, when financial institution B serves as the customer's capital storage bank, financial institution A undertakes the function of the capital channel bank. Their functional positions are determined by the customer, and they can also be the same financial institution.

[0040] Figure 2 It is a schematic diagram of the blockchain platform and the payment end in the embodiment of the present invention. As Figure 2 shown, the blockchain platform includes two layers in total. The first layer (transaction layer) is a centralized distributed structure, which is used to support the daily income and expenditure transactions of customers; the second layer (sharing layer) is a private blockchain, which is used for information sharing among institutions.

[0041] The transaction layer takes each third-party payment institution as the center, adopts the traditional centralized ledger structure, aggregates the preliminary data based on the customer's income and expenditure transactions, and forms aggregated data of borrowing and lending directions, transaction amounts, and transaction dates according to individual customers. The aggregated data is uploaded to the sharing layer through independent nodes. The triggering conditions for data aggregation are triggered by the smart contracts for automatic fund deposit and automatic fund withdrawal. When the aggregation is not triggered, only the transaction data is recorded.

[0042] The sharing layer may include nodes of each accessing financial institution and each third-party payment institution, as well as multiple blockchain modules such as an information recording module, an information feedback module, an information query module, and an information reconciliation module, and smart contracts for automatic fund deposit, automatic fund withdrawal, and fund change update. Each accessing institution node uploads the business and information allowed by supervision within its jurisdiction to the blockchain according to its respective supervision regulations. The relationship between each node is peer-to-peer, the information is symmetric, and the information security is ensured by the asymmetric encryption method.

[0043] The information recording module is used to receive the customer aggregated data uploaded by the transaction layer, and perform secondary aggregation of the customer aggregated data of different institutions within a certain period of time according to the customer dimension. The secondary aggregation is further divided into regular full-volume data aggregation and irregular single-customer data aggregation. The regular full-volume data aggregation takes days as the cycle to aggregate the customer data, ensuring that the customer's fund situation can be transferred to the bank for storage regularly. The irregular single-customer data aggregation is jointly determined by the transaction layer and the sharing layer. The biggest advantage of the information recording module is to form the lowest-frequency aggregation according to the influencing factors, which can greatly save system resources.

[0044] The information feedback module is used to receive the information fed back by the information recording module, call the fund change update contract, and send a fund change notice to the capital channel end and the capital storage end.

[0045] The information query module is used to receive the information fed back by the information recording module, provide real-time and accurate fund balance information to each node, and ensure that each payment terminal can complete the payment behavior within the limit of the fund balance.

[0046] The information reconciliation module is used to reconcile the sum of the periodic interest calculation results from financial institutions and the detailed fund changes recorded by the information feedback module with the sum of the fund storage account balance provided by the financial institution and the retained funds returned by the payment institution. After successful reconciliation, the relevant accounting treatment situation is written into the blockchain and made public to each node.

[0047] Node C of the third-party payment institution and node D of the third-party payment institution respectively represent two payment terminals, and there can be more in number. Their customers can be common or separate, and these relationships do not affect the operation mode of this technology.

[0048] Figure 3 It is the flowchart of the fund transfer method based on blockchain in the embodiment of the present invention. As Figure 3 shown, the fund transfer method based on blockchain is applied to the blockchain platform and includes:

[0049] S101: Receive the revenue and expenditure transaction data from each payment terminal, and determine the customer aggregation data according to the customer information in the revenue and expenditure transaction data.

[0050] Figure 4 It is the flowchart of determining the customer aggregation data in the embodiment of the present invention. As Figure 4 shown, determining the customer aggregation data according to the customer information in the revenue and expenditure transaction data includes:

[0051] S201: Determine the customer contribution data, customer behavior data, and customer demand data according to the customer information in the revenue and expenditure transaction data.

[0052] Among them, the aggregation request of each customer initiated by the transaction layer is determined by multiple factors, such as: special transactions, customer contribution data, customer behavior data, and customer demand data. Specific elements can be expanded according to the actual scenario.

[0053] Figure 5 It is the flowchart of S201 in the embodiment of the present invention. As Figure 5 shown, S201 includes:

[0054] S301: Determine the customer asset balance data, customer transaction frequency data, customer fund change data, and customer demand data according to the customer information.

[0055] Customer demand data refers to the data aggregation requirements agreed upon by the customer during the agreement signing stage, which are divided into multiple levels according to the update speed required by the customer, and each level is assigned a value. When the customer has a relatively high requirement for data update speed, a higher fee needs to be paid.

[0056] S302: Determine customer contribution data based on customer asset balance data.

[0057] Among them, customer contribution data can be identified by tagging customers, and the contribution data is proportional to the asset balance.

[0058] S303: Determine customer behavior data based on customer transaction frequency data and customer fund movement data.

[0059] Among them, the customer behavior value will be automatically updated during the first data aggregation.

[0060] S202: Determine customer aggregation data based on customer contribution data, customer behavior data, and customer demand data.

[0061] In one embodiment, customer aggregation data can be determined by the following formula

[0062] Z = Σ(α×E + β×F + γ×G);

[0063] Among them, Z is the customer aggregation data, α is the first coefficient, β is the second coefficient, γ is the third coefficient, E is the customer contribution data, F is the customer behavior data, G is the customer demand data, and coefficients such as α, β, and γ can be flexibly adjusted by the payment side according to its own operation goals.

[0064] S102: Aggregate and process each revenue and expenditure transaction data based on customer aggregation data, the response time of each payment side, and customer information.

[0065] Figure 6 It is the flowchart of S102 in the embodiment of the present invention. As Figure 6 shown, S102 includes:

[0066] S401: Perform a first aggregation process on each revenue and expenditure transaction data of the same payment side according to the transaction information in the customer information to obtain the customer first aggregation data of each payment side.

[0067] S401 is executed by the transaction layer of the blockchain. Customer first aggregation data including the borrowing and lending direction, transaction amount, and transaction date can be formed according to a single customer. The triggering condition for data aggregation is triggered by the smart contract for automatic fund deposit and the smart contract for automatic fund withdrawal. When the aggregation is not triggered, only the transaction data is recorded.

[0068] S402: Determine the aggregation request time based on customer aggregation data.

[0069] When there is a special transaction, such as a cancellation agreement, a secondary aggregation request will be directly triggered to determine the aggregation request time. Otherwise, the aggregation value will be accumulated according to specific elements. When the secondary aggregation trigger value Z of a certain customer reaches a certain value P (Z≥P), the secondary aggregation request will be triggered by the transaction layer and the aggregation request time will be determined.

[0070] S403: Perform secondary aggregation processing on the customer's primary aggregation data according to the aggregation request time and the response time of each payment terminal.

[0071] In one embodiment, S403 includes: sorting the customer's primary aggregation data of each payment terminal according to the aggregation request time, the transaction request processing speed, and the response time of each payment terminal, and performing secondary aggregation processing on the customer's primary aggregation data of each payment terminal in sequence according to the sorting result.

[0072] In one embodiment, sorting the customer's primary aggregation data of each payment terminal according to the aggregation request time, the transaction request processing speed, and the response time of each payment terminal includes:

[0073] Determining the execution waiting time of each payment terminal according to the aggregation request time and the transaction request processing speed; adjusting the corresponding execution waiting time according to the response time of each payment terminal, and sorting the customer's primary aggregation data of each payment terminal according to the adjusted execution waiting time.

[0074] For example, when the transaction layer triggers a secondary aggregation request, the sharing layer determines that the aggregation request of payment terminal C will be executed after a seconds (the execution waiting time is a) according to the current transaction volume to be aggregated and the transaction request processing speed, and then adds the aggregation request of payment terminal C to the execution queue according to the execution waiting time; in addition, the system periodically detects the response time of payment terminal C. When the difference between the response time of payment terminal C and the average response time of each payment terminal in payment is Δa, the corresponding execution waiting time is a - Δa×W, where W is the adjustment step size and can be flexibly adjusted according to the data processing capacity of the sharing layer.

[0075] In addition, when the response time of each payment terminal cannot be obtained, the sharing layer can put the secondary aggregation request of the transaction layer into the processing queue. The queue follows the first-in, first-out principle, that is, the specific request that enters the queue first is preferentially processed by the system. In general, the requests are added to the queue in the order of the aggregation request time of the aggregation request. However, for the aggregation requests triggered by special types of transactions, or the requests whose waiting time reaches a certain value, they will be preferentially put into the processing queue for processing to ensure the customer experience.

[0076] S103: Send the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data.

[0077] The sharing layer simultaneously notifies the fund storage side (fund storage bank) and the fund channel side (fund channel bank) to update the customer's bank account information. After receiving the fund transfer notice including the aggregated income and expenditure transaction data from the information feedback module, the fund channel side and the fund storage side determine the data update path according to the account information of the customer and the aggregated data in the fund channel agreement.

[0078] If the aggregated funds are positive deposit funds, the fund channel side first updates the data of fund deposit, and then updates the data of fund transfer. After the two-way data update is successful, it notifies the fund storage side to process the data in the form of a message. After receiving the message from the fund channel side, the fund storage side compares the relevant fields of the message with the fund transfer notice of the sharing layer. After verification, it updates the data of fund deposit. After success, it updates the transaction result to the blockchain.

[0079] If the aggregated funds are negative withdrawal funds, the fund storage side first updates the account information of the withdrawal, and then notifies the fund channel side of the processing result in the form of a message. The fund channel side compares the relevant fields of the message with the fund transfer notice of the sharing layer. After verification, it first updates the data of fund deposit, and then updates the data of fund transfer. After the two-way data update is successful, it updates the transaction result to the blockchain.

[0080] Figure 3 The execution subject of the blockchain-based fund transfer method shown can be a blockchain platform. From Figure 3 the process shown, the blockchain-based fund transfer method in the embodiment of the present invention first determines the customer aggregation data according to the customer information in the income and expenditure transaction data from each payment side, then aggregates the income and expenditure transaction data according to the customer aggregation data, the response time of each payment side and the customer information, and finally sends the aggregated income and expenditure transaction data to the corresponding fund channel side and fund storage side so that the fund channel side and the fund storage side update the corresponding account data according to the income and expenditure transaction data. It can minimize the system overhead through secondary aggregation and smart contract technology and realize the free circulation of spare change funds.

[0081] Based on the same inventive concept, the embodiment of the present invention also provides a blockchain-based fund transfer device. Since the principle of the device to solve problems is similar to that of the blockchain-based fund transfer method, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be described again.

[0082] Figure 7 It is the structural block diagram of the blockchain-based fund transfer device in the embodiment of the present invention. As Figure 7 shown, the blockchain-based fund transfer device includes:

[0083] A customer aggregation data module, which is used to receive revenue and expenditure transaction data from each payment terminal and determine customer aggregation data according to the customer information in the revenue and expenditure transaction data;

[0084] An aggregation processing module, which is used to perform aggregation processing on each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal and the customer information;

[0085] A sending module, which is used to send the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data.

[0086] In one embodiment, the customer aggregation data module includes:

[0087] A customer data determination unit, which is used to determine customer contribution data, customer behavior data and customer demand data according to the customer information in the revenue and expenditure transaction data;

[0088] A customer aggregation data unit, which is used to determine customer aggregation data according to the customer contribution data, customer behavior data and customer demand data.

[0089] In one embodiment, the customer data determination unit includes:

[0090] A customer data determination subunit, which is used to determine customer asset balance data, customer transaction frequency data, customer fund change data and customer demand data according to the customer information;

[0091] A customer contribution data subunit, which is used to determine customer contribution data according to the customer asset balance data;

[0092] A customer behavior data subunit, which is used to determine customer behavior data according to the customer transaction frequency data and the customer fund change data.

[0093] In one embodiment, the aggregation processing module includes:

[0094] A primary aggregation data unit, which is used to perform primary aggregation processing on each revenue and expenditure transaction data of the same payment terminal according to the transaction information in the customer information to obtain the customer primary aggregation data of each payment terminal;

[0095] An aggregation request time unit, which is used to determine the aggregation request time according to the customer aggregation data;

[0096] A secondary aggregation processing unit, which is used to perform secondary aggregation processing on the customer primary aggregation data according to the aggregation request time and the response time of each payment terminal.

[0097] In one embodiment, the secondary aggregation processing unit is specifically used for:

[0098] Sort the customer primary aggregation data of each payment terminal according to the aggregation request time, the transaction request processing speed, and the response time of each payment terminal, and perform secondary aggregation processing on the customer primary aggregation data of each payment terminal in sequence according to the sorting result.

[0099] In one embodiment, the secondary aggregation processing unit includes:

[0100] An execution waiting time subunit, configured to determine the execution waiting time of each payment terminal according to the aggregation request time and the transaction request processing speed;

[0101] A sorting subunit, configured to adjust the corresponding execution waiting time according to the response time of each payment terminal, and sort the customer primary aggregation data of each payment terminal according to the adjusted execution waiting time.

[0102] In summary, the blockchain-based fund transfer device in the embodiment of the present invention first determines customer aggregation data according to customer information in the revenue and expenditure transaction data from each payment terminal, then performs aggregation processing on each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information, and finally sends the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end so that the fund channel end and the fund storage end update the corresponding account data according to the revenue and expenditure transaction data, which can minimize system overhead through secondary aggregation and smart contract technology and realize the free circulation of spare change funds.

[0103] The embodiment of the present invention also provides a specific implementation manner of a computer device capable of implementing all steps in the above-mentioned blockchain-based fund transfer method in the embodiment. Figure 8 It is a structural block diagram of the computer device in the embodiment of the present invention. Refer to Figure 8 , and the computer device specifically includes the following content:

[0104] A processor 801 and a memory 802.

[0105] The processor 801 is configured to call a computer program in the memory 802. When the processor executes the computer program, all steps in the above-mentioned blockchain-based fund transfer method in the embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0106] Receive revenue and expenditure transaction data from each payment terminal, and determine customer aggregation data according to customer information in the revenue and expenditure transaction data;

[0107] Perform aggregation processing on each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information;

[0108] Send the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data.

[0109] In summary, the computer device according to the embodiment of the present invention first determines customer aggregation data based on the customer information in the revenue and expenditure transaction data from each payment end, then aggregates each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment end, and the customer information, and finally sends the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data. It can minimize system overhead through secondary aggregation and smart contract technology and achieve the free circulation of spare change funds.

[0110] The embodiment of the present invention also provides a computer-readable storage medium capable of implementing all steps in the blockchain-based fund transfer method in the above embodiment. A computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all steps in the blockchain-based fund transfer method in the above embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0111] Receive the revenue and expenditure transaction data from each payment end, and determine customer aggregation data based on the customer information in the revenue and expenditure transaction data;

[0112] Aggregate each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment end, and the customer information;

[0113] Send the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data.

[0114] In summary, the computer-readable storage medium according to the embodiment of the present invention first determines customer aggregation data based on the customer information in the revenue and expenditure transaction data from each payment end, then aggregates each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment end, and the customer information, and finally sends the aggregated revenue and expenditure transaction data to the corresponding fund channel end and fund storage end, so that the fund channel end and fund storage end update the corresponding account data according to the revenue and expenditure transaction data. It can minimize system overhead through secondary aggregation and smart contract technology and achieve the free circulation of spare change funds.

[0115] Based on the same inventive concept, the embodiment of the present invention also provides a blockchain-based fund transfer system. Since the principle of the system to solve problems is similar to that of the blockchain-based fund transfer method, the implementation of the system can refer to the implementation of the method, and the repeated parts will not be described again.

[0116] Figure 9 It is a schematic diagram of a blockchain-based fund transfer system in another embodiment of the present invention. As Figure 9 shown, the blockchain-based fund transfer system includes:

[0117] Multiple payment terminals;

[0118] A blockchain platform, which is used to receive the revenue and expenditure transaction data from each payment terminal, determine the customer aggregation data according to the customer information in the revenue and expenditure transaction data; perform aggregation processing on each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information; send the aggregated revenue and expenditure transaction data to the corresponding fund channel terminal and fund storage terminal;

[0119] A fund channel terminal, which is used to update the corresponding account data according to the revenue and expenditure transaction data;

[0120] A fund storage terminal, which is used to update the corresponding account data according to the revenue and expenditure transaction data.

[0121] Figure 10 It is a flowchart for establishing a fund channel protocol in an embodiment of the present invention. As Figure 10 shown, the process of establishing a fund channel protocol is as follows:

[0122] 1. The payment terminal interacts with the customer. After confirming the customer's identity, it obtains the requirements for establishing a fund channel protocol, such as confirming the customer's requirements for the triggering conditions of fund deposits and the requirements for data aggregation timeliness.

[0123] 2. The payment terminal collects the customer's identity information through the application channel and asks the customer to select the bank (fund channel terminal) where the Class I settlement account has been opened and the bank (fund storage terminal) where the fund storage account is to be pre-opened. The fund channel terminal and the fund storage terminal can be located in the same bank or different banks. If the customer's identity information does not meet the regulatory requirements or the bank where the Class I settlement account has been opened cannot be provided at this time, the customer is reminded to improve the relevant information before providing the corresponding service.

[0124] 3. After the customer's relevant information meets the conditions, the payment terminal submits an account opening application to the fund storage terminal (Financial Institution A). After receiving the application, the fund storage terminal conducts a risk control assessment on the customer. After meeting the internal risk control requirements, it submits an authentication request to the fund channel terminal (Financial Institution B).

[0125] 4. After receiving the authentication application, if the authentication is passed and the channel account is available for inspection, the fund channel terminal feeds back the authentication result to the fund storage terminal and updates the customer's relevant information and channel account information to the blockchain within the scope permitted by the supervision.

[0126] 5. After receiving the authentication result, the fund storage end opens a savings account for the customer to store funds according to the authentication result and establishes a fund channel agreement.

[0127] 6. Upload the protocol data created by the agreement to the blockchain, including customer identity information, fund storage account number, fund storage bank, fund channel account number, fund channel bank, and transaction date, etc.

[0128] Figure 11 It is the flowchart of fund deposit in the embodiment of the present invention. As Figure 11 shown, the process of fund deposit is as follows:

[0129] 1. The customer conducts income and expenditure transaction behaviors through spare change on the APP (payment end) of the third-party payment institution. The payment end normally records the customer's transaction information and uploads the transaction information to the transaction layer of the blockchain platform. After the transaction amount occurs, the cumulative balance of the payment institution cannot be negative to ensure that no overdraft behavior occurs.

[0130] 2. The trigger of the intelligent deposit contract needs to be judged in combination with the scenarios agreed in the customer agreement and the customer's transaction behaviors. When the customer's daily transaction behaviors reach the intelligent deposit scenarios agreed by the customer, such as the cumulative number of daily transaction volumes, the cumulative debit amount of transactions, the receipt of a certain amount of funds, or the cumulative net income amount reaching a certain amount, etc. The specific data items can be set according to needs. At this time, the execution of the intelligent deposit contract will cause the transaction data on the transaction layer of the blockchain platform to be aggregated according to the customer dimension within the same institution, and the aggregation result will be uploaded to the sharing layer of the blockchain platform. The uploaded data includes customer ID, payment institution information, income and expenditure direction, transaction amount, update timestamp, the cumulative balance of a certain payment institution, and the total balance, etc.

[0131] 3. The sharing layer of the blockchain platform will receive updated data from different payment institutions at irregular intervals. The information recording module of the blockchain platform locates the data to be updated based on the customer ID and payment institution information sent, and the updated information includes the direction of income and expenditure, transaction amount, update timestamp, cumulative balance, total balance, etc., and triggers the secondary aggregation of the data. The data result after the secondary aggregation includes account information, total income and expenditure direction, total transaction amount, aggregation time, etc., which is received by the information feedback module of the blockchain platform, and the fund change update contract is called to update the relevant information of the customer. Then, the fund channel bank and fund storage bank of the customer on the fund channel protocol are obtained, and the fund change situation is notified to the financial institution for accounting processing. At the same time, the information reconciliation module of the blockchain platform reconciles the periodic interest calculation results from the financial institution and the fund change details recorded by the information feedback module, combined with the balance of the fund storage account provided by the financial institution and the retained funds returned by the payment institution. After successful reconciliation, the relevant information is updated to the sharing layer of the blockchain platform. The information query module of the blockchain platform is a communication bridge connecting the information feedback module and each blockchain access party, and is responsible for providing accurate data information for each participating party.

[0132] 4. After the secondary aggregation, the sharing layer of the blockchain platform simultaneously notifies Financial Institution A (fund storage end) and Financial Institution B (fund channel end) to update the customer's bank account information. After receiving the fund transfer notice from the information feedback module, the fund storage end and the fund channel end determine the data update path according to the account information of the customer and the aggregation data situation in the fund channel protocol. If the aggregated funds are positive deposited funds, the fund channel end first updates the data of the fund deposit, and then updates the data of the fund transfer. After the two-way data update is successful, it notifies the fund storage end to process the data in the form of a message. After receiving the message from the fund channel end, the fund storage end compares the relevant fields of the message with the fund transfer notice of the sharing layer. After verification, it updates the data of the fund deposit. After success, it updates the transaction result to the blockchain. In terms of the business scenario, the reason why the funds must first pass through the channel account and then be stored is that the fund storage account is a savings account, which can only perform the same-name transfer between bank accounts and cannot directly perform the fund settlement behavior, so the funds cannot be directly deposited.

[0133] Figure 12 It is the flowchart of fund withdrawal in the embodiment of the present invention. As Figure 12 shown, the process of fund withdrawal is as follows:

[0134] 1. The customer conducts income and expenditure transaction behaviors through the spare change on the APP (payment end) of the third-party payment institution. The payment end normally records the customer's transaction information and uploads the transaction information to the transaction layer of the blockchain platform, controlling that the cumulative balance of the payment institution cannot be negative after the transaction amount occurs to ensure that no overdraft behavior occurs.

[0135] 2. The triggering of the intelligent withdrawal contract needs to be judged in combination with the scenarios agreed in the customer agreement and the customer's transaction behaviors. When the customer's daily transaction behaviors reach the intelligent withdrawal scenarios agreed by the customer, such as the cumulative number of daily transaction pens, the cumulative debit amount of transactions, the receipt of a certain amount of funds, or the cumulative net income amount reaching a certain amount, etc., the specific data items can be set according to needs. At this time, the execution of the intelligent withdrawal contract will cause the transaction data in the transaction layer of the blockchain platform to be aggregated according to the customer dimension within the same institution, and the aggregation result will be uploaded to the sharing layer of the blockchain platform. The uploaded data includes customer ID, payment institution information, income and expenditure direction, transaction amount, update timestamp, the cumulative balance of a certain payment institution, and the total balance, etc.

[0136] 3. The sharing layer of the blockchain platform will receive the updated data from different payment institutions irregularly. The information recording module of the blockchain platform locates the data to be updated based on the customer ID and payment institution information sent. The updated information includes income and expenditure direction, transaction amount, update timestamp, cumulative balance, and total balance, etc., and triggers the secondary aggregation of the data. The data result after the secondary aggregation includes account information, total income and expenditure direction, total transaction amount, and aggregation time, etc., which is received by the information feedback module of the blockchain platform, and calls the fund change update contract to update the relevant information of the customer. Then, the fund channel bank and the fund storage bank of the customer on the fund channel protocol are obtained, and the fund change situation is notified to the financial institution for accounting processing. At the same time, the information reconciliation module of the blockchain platform reconciles the periodic interest calculation results from the financial institution and the fund change details recorded by the information feedback module, combines the balance of the fund storage account provided by the financial institution and the retained funds returned by the payment institution, and updates the relevant information to the sharing layer of the blockchain platform after successful reconciliation.

[0137] 4. After the secondary aggregation, the sharing layer of the blockchain platform simultaneously notifies Financial Institution A (fund storage end) and Financial Institution B (fund channel end) to update the customer's bank account information. After receiving the fund transfer notice from the information feedback module, the fund storage end and the fund channel end determine the data update path according to the account information of the customer and the aggregation data situation in the fund channel agreement. If the aggregated funds are negative withdrawal funds, the fund storage end first updates the account information for withdrawal, and then notifies the fund channel end of the processing result in the form of a message. The fund channel end compares the relevant fields of the message with the fund transfer notice of the sharing layer. After verification, it first updates the data for fund deposit, and then updates the data for fund transfer. After the two-way data update is successful, the transaction result is updated to the blockchain.

[0138] In summary, the fund transfer method, device, and system based on blockchain provided by the embodiments of the present invention design a fund channel technology and establish a cooperation model between a third-party payment institution and a bank, enabling the customer's reserve funds in the third-party payment institution to be stored in a commercial bank and meeting the customer's convenient fund payment needs. The advantages are as follows:

[0139] 1. By using double-layer blockchain, smart contract technology, and data aggregation technology, it reduces the consumption of system resources, alleviates the pressure on the performance of blockchain technology, and makes it possible for multiple institutions to join.

[0140] 2. It provides a fund transfer channel, enabling the completion of fund processing among multiple institutions without the customer's awareness, eliminating the need for the customer to conduct multiple high-frequency fund transfers between different institutions. Moreover, the reliability of data is ensured through blockchain technology, meeting the data sharing requirements among participating institutions.

[0141] The specific embodiments described above further elaborate on the purpose, technical solutions, and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

[0142] Those skilled in the art can also understand that the various illustrative logical blocks, units, and steps listed in the embodiments of the present invention can be implemented through electronic hardware, computer software, or a combination of both. To clearly show the interchangeability of hardware and software, the functions of the above-mentioned various illustrative components, units, and steps have been generally described. Whether such functions are implemented by hardware or software depends on the specific application and the design requirements of the entire system. For each specific application, those skilled in the art can use various methods to implement the described functions, but such implementation should not be construed as exceeding the protection scope of the embodiments of the present invention.

[0143] In the embodiments of the present invention, the various illustrative logical blocks, or units, or devices can be implemented or operate the described functions by a general-purpose processor, a digital signal processor, an application specific integrated circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination of the above designs. The general-purpose processor can be a microprocessor, and optionally, the general-purpose processor can also be any conventional processor, controller, microcontroller or state machine. The processor can also be implemented by a combination of computing devices, such as a digital signal processor and a microprocessor, multiple microprocessors, one or more microprocessors combined with a digital signal processor core, or any other similar configuration.

[0144] The steps of the methods or algorithms described in the embodiments of the present invention can be directly embedded in hardware, software modules executed by a processor, or a combination of both. The software modules can be stored in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium in the art. Exemplarily, the storage medium can be connected to the processor so that the processor can read information from the storage medium and can write information to the storage medium. Optionally, the storage medium can also be integrated into the processor. The processor and the storage medium can be disposed in an ASIC, and the ASIC can be disposed in a user terminal. Optionally, the processor and the storage medium can also be disposed in different components of the user terminal.

[0145] In one or more exemplary designs, the functions described in embodiments of the present invention may be implemented in hardware, software, firmware, or any combination thereof. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. The computer-readable medium includes both computer storage media and communication media facilitating transfer of a computer program from one place to another. The storage media may be any available media that can be accessed by a general purpose or special purpose computer. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a general purpose or special purpose computer, or a general purpose or special purpose processor. In addition, any connection is properly termed a computer-readable medium, such as if software is transmitted from a website, server, or other remote source over a coaxial cable, fiber optic cable, twisted pair, DSL, or wirelessly such as via infrared, radio, and microwave. Disk and disc includes compact disk, laser disk, optical disk, DVD, floppy disk, and Blu-ray disk, where disks usually reproduce data magnetically, while discs usually reproduce data optically with lasers. Combinations of the above should also be included within the scope of computer-readable media.

Claims

1. A fund transfer method based on blockchain, applied to a blockchain platform, characterized in that, it includes: Receiving income and expenditure transaction data from each payment terminal, and determining customer aggregation data according to the customer information in the income and expenditure transaction data; Performing aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information; Sending the aggregated income and expenditure transaction data to the corresponding fund channel terminal and fund storage terminal, so that the fund channel terminal and the fund storage terminal update the corresponding account data according to the income and expenditure transaction data; Among them, the fund channel terminal is established through a double-layer blockchain technology. When the transaction layer triggers a secondary aggregation request, the sharing layer determines the execution waiting time of the aggregation request of the payment terminal according to the current transaction volume to be aggregated and the transaction request processing speed, and adds the aggregation request of this payment terminal to the waiting execution queue according to the execution waiting time; Determining customer aggregation data according to the customer information in the income and expenditure transaction data includes: determining customer contribution data, customer behavior data, and customer demand data according to the customer information in the income and expenditure transaction data; determining the customer aggregation data according to the customer contribution data, the customer behavior data, and the customer demand data; Performing aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information includes: performing primary aggregation processing on each income and expenditure transaction data of the same payment terminal according to the transaction information in the customer information to obtain the customer primary aggregation data of each payment terminal; determining the aggregation request time according to the customer aggregation data; performing secondary aggregation processing on the customer primary aggregation data according to the aggregation request time and the response time of each payment terminal.

2. The fund transfer method based on blockchain according to claim 1, characterized in that, Determining customer contribution data, customer behavior data, and customer demand data according to the customer information in the income and expenditure transaction data includes: Determining customer asset balance data, customer transaction frequency data, customer fund change data, and customer demand data according to the customer information; Determining the customer contribution data according to the customer asset balance data; Determining the customer behavior data according to the customer transaction frequency data and the customer fund change data.

3. The fund transfer method based on blockchain according to claim 1, characterized in that, Performing secondary aggregation processing on the customer primary aggregation data according to the aggregation request time and the response time of each payment terminal includes: Sorting the customer primary aggregation data of each payment terminal according to the aggregation request time, transaction request processing speed, and response time of each payment terminal, and performing secondary aggregation processing on the customer primary aggregation data of each payment terminal in turn according to the sorting result.

4. The fund transfer method based on blockchain according to claim 3, characterized in that, Sorting the customer primary aggregation data of each payment terminal according to the aggregation request time, transaction request processing speed, and response time of each payment terminal includes: Determining the execution waiting time of each payment terminal according to the aggregation request time and the transaction request processing speed; Adjust the corresponding execution waiting time according to the response time of each payment terminal, and sort the customer primary aggregation data of each payment terminal according to the adjusted execution waiting time.

5. A blockchain-based fund transfer device applied to a blockchain platform, characterized in that it includes: A customer aggregation data module, configured to receive income and expenditure transaction data from each payment terminal, and determine customer aggregation data according to the customer information in the income and expenditure transaction data; An aggregation processing module, configured to perform aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information; A sending module, configured to send the income and expenditure transaction data after aggregation processing to the corresponding fund channel terminal and fund storage terminal, so that the fund channel terminal and the fund storage terminal update the corresponding account data according to the income and expenditure transaction data; Among them, the fund channel terminal is established through a double-layer blockchain technology. When the transaction layer triggers a secondary aggregation request, the sharing layer determines the execution waiting time of the aggregation request of the payment terminal according to the current transaction volume to be aggregated and the transaction request processing speed, and adds the aggregation request of the payment terminal to the execution queue according to the execution waiting time; The customer aggregation data module includes: a customer data determination unit, configured to determine customer contribution data, customer behavior data, and customer demand data according to the customer information in the income and expenditure transaction data; a customer aggregation data unit, configured to determine the customer aggregation data according to the customer contribution data, the customer behavior data, and the customer demand data; The aggregation processing module includes: a primary aggregation data unit, configured to perform primary aggregation processing on each income and expenditure transaction data of the same payment terminal according to the transaction information in the customer information to obtain the customer primary aggregation data of each payment terminal; an aggregation request time unit, configured to determine the aggregation request time according to the customer aggregation data; a secondary aggregation processing unit, configured to perform secondary aggregation processing on the customer primary aggregation data according to the aggregation request time and the response time of each payment terminal.

6. A computer device, including a memory, a processor, and a computer program stored on the memory and running on the processor, characterized in that when the processor executes the computer program, the steps of the blockchain-based fund transfer method according to any one of claims 1 to 4 are implemented.

7. A computer-readable storage medium, on which a computer program is stored, characterized in that when the computer program is executed by a processor, the steps of the blockchain-based fund transfer method according to any one of claims 1 to 4 are implemented.

8. A blockchain-based fund transfer system, characterized in that it includes: Multiple payment terminals; A blockchain platform, which is configured to receive income and expenditure transaction data from each payment terminal, and determine customer aggregation data according to the customer information in the income and expenditure transaction data; Perform aggregation processing on each income and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information; send the income and expenditure transaction data after aggregation processing to the corresponding fund channel terminal and fund storage terminal; A fund channel terminal, configured to update corresponding account data according to the revenue and expenditure transaction data; A fund storage terminal, configured to update corresponding account data according to the revenue and expenditure transaction data; Among them, the fund channel terminal is established through a double-layer blockchain technology. When a secondary aggregation request is triggered at the transaction layer, the sharing layer determines the execution waiting time of the aggregation request of the payment terminal according to the current transaction volume to be aggregated and the transaction request processing speed, and adds the aggregation request of the payment terminal to the queue to be executed according to the execution waiting time; Determining customer aggregation data according to the customer information in the revenue and expenditure transaction data includes: determining customer contribution data, customer behavior data, and customer demand data according to the customer information in the revenue and expenditure transaction data; determining the customer aggregation data according to the customer contribution data, the customer behavior data, and the customer demand data; Aggregating each revenue and expenditure transaction data according to the customer aggregation data, the response time of each payment terminal, and the customer information includes: performing a primary aggregation process on each revenue and expenditure transaction data of the same payment terminal according to the transaction information in the customer information to obtain the customer primary aggregation data of each payment terminal; determining the aggregation request time according to the customer aggregation data; performing a secondary aggregation process on the customer primary aggregation data according to the aggregation request time and the response time of each payment terminal.

9. A computer program product, comprising computer instructions, wherein, when the computer instructions are executed by a processor, the steps of the blockchain-based fund transfer method according to any one of claims 1 to 4 are implemented.

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