Conditional payment data processing system based on blockchain, related nodes and methods

Abstract

The present invention provides a blockchain-based conditional payment data processing system, related nodes, and methods. A first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network. The first user node is configured to submit a set rule evidence to the blockchain network based on conditional payment requirements. The second user node is configured to submit a rule confirmation evidence to the blockchain network after verifying the obtained rule evidence based on conditional payment data. The financial institution node is configured to submit a rule fulfillment evidence to the blockchain network after verifying the obtained set rule evidence and rule confirmation evidence. After confirming that the conditional payment conditions have been met based on the first user's account status data, the financial institution node submits a rule fulfillment evidence to the blockchain network. The withholding institution node is configured to submit a trigger execution evidence to the blockchain network after verifying the obtained set rule evidence, rule confirmation evidence, and rule fulfillment evidence. This improves security and transaction transparency.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based conditional payment data processing system, relevant nodes, and methods. Background Art

[0002] When transferring funds internationally, customers generally require financial institutions to provide conditional payment services, meaning that payment operations are initiated only when certain conditions are met. Existing technologies use the first financial institution in the payment chain to monitor and deliver the funds. However, this approach carries centralized security risks, and it is difficult for other payment participants to know the progress of the payment, making the transaction process non-public and non-transparent, and exposing it to the risk of tampering. Summary of the Invention

[0003] The purpose of the present invention is to provide a blockchain-based conditional payment data processing system, related nodes, methods, computer equipment, computer-readable storage medium and computer program product with high security and transparent transaction process.

[0004] In a first aspect, the present invention provides a conditional payment data processing system based on blockchain, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, wherein:

[0005] The first user node is used to submit the set rule evidence to the blockchain network based on the requirements of conditional payment;

[0006] The second user node is configured to obtain the set rule evidence, verify the set rule evidence based on the conditional payment data, and submit the rule confirmation evidence to the blockchain network after passing the verification;

[0007] The financial institution node is configured to obtain the set rule evidence and the rule confirmation evidence, verify the set rule evidence and the rule confirmation evidence, and upon successful verification, determine whether the condition for the conditional payment is met based on the first user's account status data, and upon determining that the condition is met, submit the rule fulfillment evidence to the blockchain network;

[0008] The withholding agency node is used to obtain the set rule evidence, the rule confirmation evidence and the rule achievement evidence, and after verifying the set rule evidence, the rule confirmation evidence and the rule achievement evidence, after the withholding is successfully executed, submit the trigger execution evidence to the blockchain network.

[0009] In a second aspect, the present invention provides a method for processing conditional payment data based on blockchain. The method is applied to a system, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network. The method includes:

[0010] The first user node submits the set rule evidence to the blockchain network based on the conditional payment requirements;

[0011] The second user node obtains the set rule evidence, verifies the set rule evidence based on the conditional payment data, and submits the rule confirmation evidence to the blockchain network after passing the verification;

[0012] The financial institution node obtains the set rule evidence and the rule confirmation evidence, verifies the set rule evidence and the rule confirmation evidence, and after passing the verification, determines whether the condition of the conditional payment is met based on the account status data of the first user, and after determining that the condition is met, submits the rule fulfillment evidence to the blockchain network;

[0013] The withholding agency node obtains the set rule evidence, the rule confirmation evidence and the rule achievement evidence, and after verifying the set rule evidence, the rule confirmation evidence and the rule achievement evidence, after the withholding is successfully executed, submits the trigger execution evidence to the blockchain network.

[0014] In a third aspect, the present invention provides a first user node to improve security and ensure the transparency of the transaction process. The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; the first user node includes:

[0015] A payment demand receiving unit, used for receiving a conditional payment demand;

[0016] The setting rule evidence submission unit is used to determine the conditional rules according to the received conditional payment requirements, and submit the setting rule evidence to the blockchain network based on the conditional rules.

[0017] In a fourth aspect, the present invention provides a blockchain-based conditional payment data processing method, which is applied to a first user node, wherein the first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, and the blockchain-based conditional payment data processing method includes:

[0018] The need to receive conditional payments;

[0019] Based on the received conditional payment requirements, the conditional rules are determined, and based on the conditional rules, the set rule evidence is submitted to the blockchain network for storage.

[0020] In a fifth aspect, the present invention provides a second user node, wherein the first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; the second user node includes:

[0021] A first evidence acquisition unit, configured to acquire setting rule evidence;

[0022] A first verification unit is configured to verify the stored evidence of the set rule based on the conditional payment data;

[0023] The rule confirmation evidence submission unit is used to submit the rule confirmation evidence to the blockchain network after the set rule evidence is verified.

[0024] In a sixth aspect, the present invention provides a blockchain-based conditional payment data processing method, which is applied to a second user node, wherein the first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network, and the blockchain-based conditional payment data processing method includes:

[0025] Obtain evidence of set rules;

[0026] Verify the set rule evidence based on the conditional payment data;

[0027] After the verification of the set rule evidence is passed, the rule confirmation evidence is submitted to the blockchain network.

[0028] In a seventh aspect, the present invention provides a financial institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network; the financial institution node comprises:

[0029] A second evidence acquisition unit is used to acquire setting rule evidence and rule confirmation evidence;

[0030] A second verification unit is used to verify the obtained setting rule evidence and rule confirmation evidence;

[0031] a condition verification unit, configured to determine whether a condition for conditional payment is met based on the account status data of the first user after verification by the second verification unit is passed;

[0032] The rule confirmation evidence submission unit is used to submit the rule confirmation evidence to the blockchain network after confirming that the conditions for conditional payment are met.

[0033] In an eighth aspect, the present invention provides a blockchain-based conditional payment data processing method, which is applied to a financial institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, and the blockchain-based conditional payment data processing method includes:

[0034] Obtain proof of rule setting and rule confirmation;

[0035] Verify the obtained set rule evidence and rule confirmation evidence;

[0036] After the verification is passed, determining whether the conditions for the conditional payment are met based on the first user's account status data;

[0037] After determining that the conditions for conditional payment are met, the rules are submitted to the blockchain network for proof of completion.

[0038] In a ninth aspect, the present invention provides a withholding institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network; the withholding institution node comprises:

[0039] A third evidence acquisition unit is used to acquire rule setting evidence, rule confirmation evidence, and rule achievement evidence;

[0040] A third verification unit is used to verify the obtained set rule evidence, rule confirmation evidence and rule achievement evidence;

[0041] The execution evidence submission unit is used to submit the trigger execution evidence to the blockchain network after the verification by the third verification unit is passed and the withholding is successfully executed.

[0042] In a tenth aspect, the present invention provides a blockchain-based conditional payment data processing method, which is applied to a withholding institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, and the blockchain-based conditional payment data processing method includes:

[0043] Obtain proof of rule setting, rule confirmation, and rule achievement;

[0044] Verify the obtained set rule evidence, rule confirmation evidence, and rule achievement evidence;

[0045] After verification is passed and the withholding is successfully executed, the trigger execution certificate is submitted to the blockchain network.

[0046] In the eleventh aspect, the present invention provides a computer device, a processor suitable for implementing various instructions, and a storage device, wherein the storage device stores multiple instructions, and the instructions are suitable for being loaded by the processor and executed by the blockchain-based conditional payment data processing method described in the second aspect, the fourth aspect, the sixth aspect, the eighth aspect and the tenth aspect.

[0047] In the twelfth aspect, the present invention provides a computer-readable storage medium, which stores a computer program, and the computer program is used to execute the blockchain-based conditional payment data processing method described in the second aspect, the fourth aspect, the sixth aspect, the eighth aspect and the tenth aspect.

[0048] In the thirteenth aspect, the present invention provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the blockchain-based conditional payment data processing method described in the second aspect, the fourth aspect, the sixth aspect, the eighth aspect and the tenth aspect.

[0049] In the technical solution provided by the embodiment of the present invention, the first user node, the financial institution node, the second user node and the withholding agency node constitute a blockchain network; the first user node submits the setting rule evidence to the blockchain network according to the demand of conditional payment; the second user node obtains the setting rule evidence, verifies the setting rule evidence according to the conditional payment data, and submits the rule confirmation evidence to the blockchain network after the verification is passed; the financial institution node obtains the setting rule evidence and the rule confirmation evidence, verifies the setting rule evidence and the rule confirmation evidence, and determines whether the condition of the conditional payment is met according to the account status data of the first user after the verification is passed, and submits the rule fulfillment evidence to the blockchain network after it is determined that the condition is met; the withholding agency node obtains the setting rule evidence, the rule confirmation evidence and the rule fulfillment evidence, and submits the trigger execution evidence to the blockchain network after the withholding execution is successful after the verification is passed. The use of blockchain for conditional payment data processing has been realized. After confirming that the evidence of the previous participant is correct, each participant in the conditional payment processes the data and uploads its own evidence to ensure that the conditional payment is completed accurately according to the payment logic. Not only does each participant participate in the payment process, but the data transparency based on the blockchain can make the transaction process open and transparent; and based on the immutability of the blockchain, security is greatly improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] The following drawings are intended only to illustrate and explain the present invention, and are not intended to limit the scope of the present invention.

[0051] Figure 1 1 is a schematic diagram of the structure of a conditional payment data processing system based on blockchain according to an embodiment of the present invention;

[0052] Figure 2 1. It is a schematic diagram of a conditional payment implementation process using a blockchain-based conditional payment data processing system in a specific embodiment of the present invention;

[0053] Figure 3 is an example schematic diagram of a blockchain network in a specific embodiment of the present invention;

[0054] Figure 4 is a schematic structural diagram of a first user node according to an embodiment of the present invention;

[0055] Figure 5is a schematic structural diagram of a second user node according to an embodiment of the present invention;

[0056] Figure 6 It is a schematic diagram of the structure of a financial institution node according to an embodiment of the present invention;

[0057] Figure 7 This is a schematic diagram of the structure of a withholding mechanism node according to an embodiment of the present invention;

[0058] Figure 8 Schematic diagram of the implementation process of the blockchain-based conditional payment data processing method applied to the system according to an embodiment of the present invention;

[0059] Figure 9 1 is a schematic diagram of an implementation process of a blockchain-based conditional payment data processing method applied to a first user node according to an embodiment of the present invention;

[0060] Figure 10 1 is a schematic diagram of an implementation process of a blockchain-based conditional payment data processing method applied to a second user node according to an embodiment of the present invention;

[0061] Figure 11 This is a schematic diagram of the implementation process of the blockchain-based conditional payment data processing method applied to a financial institution node according to an embodiment of the present invention;

[0062] Figure 12 It is a schematic diagram of the implementation process of the blockchain-based conditional payment data processing method applied to the withholding agency node in an embodiment of the present invention. DETAILED DESCRIPTION

[0063] The present application will be further described in detail below through the accompanying drawings and examples, through which the features and advantages of the present application will become more clear and distinct.

[0064] The word "exemplary" is used exclusively herein to mean "serving as an example, example, or illustration." Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Although various aspects of the embodiments are shown in the drawings, the drawings are not necessarily drawn to scale unless otherwise indicated.

[0065] In addition, the technical features involved in different embodiments of the present application described below can be combined with each other as long as they do not conflict with each other.

[0066] Before introducing the solutions provided by the embodiments of the present invention, the technical terms involved in the embodiments of the present invention are first introduced:

[0067] Blockchain: A technology based on a distributed ledger and consensus mechanism. Distributed ledgers share information across nodes, while consensus mechanisms ensure that nodes confirm and publish changes to the distributed ledger. Changes made on each blockchain node are immutable and traceable. Blockchain technology is a decentralized database that uses its own distributed nodes to store, verify, transmit, and communicate network data without relying on a third party.

[0068] Conditional payment: refers to a payment operation that is initiated only when certain conditions are met. Examples include: initiating a transfer on a specified date, skipping a specified time window for transfers to certain accounts, paying when the balance meets certain conditions, and paying after contract signing.

[0069] The inventors discovered that in the prior art, the customer who initiates the conditional payment generally sends the payment instruction to the receiving bank or withholding agency. The receiving bank or withholding agency first saves the payment instruction in its internal system. When it detects that the execution conditions of the payment instruction have been met, such as when the specified time has arrived or the balance is sufficient, the payment instruction is sent to the paying bank or withholding agency for processing. This process relies heavily on the internal system of the receiving bank or withholding agency, and when the paying bank or withholding agency processes the payment, it is difficult for other participants to know the payment process, such as whether the conditions are met, whether the payment is executed immediately after the conditions are met, etc. Other participants are unaware of the situation. Moreover, whether it is the internal system of the receiving bank or withholding agency or the paying bank or withholding agency, there is a possibility of tampering with the data, which brings the risk of centralization and the defect of lack of openness and transparency.

[0070] To address the centralization risks and lack of transparency in existing conditional payment processes, the present invention provides a blockchain-based conditional payment data processing solution. This solution improves payment security, makes the transaction process transparent, and enables decentralized confirmation and consensus among all participating parties on the progress of conditional payments, thereby ensuring that conditional payments can be conducted securely and reliably. This solution is described in detail below.

[0071] Figure 1 Schematic diagram of the structure of the conditional payment data processing system based on blockchain technology in an embodiment of the present invention. Figure 1 As shown, the first user node 01, the second user node 02, the financial institution node 03 and the withholding institution node 04 constitute a blockchain network; wherein:

[0072] The first user node is used to submit the set rule evidence to the blockchain network based on the requirements of conditional payment;

[0073] The second user node is used to obtain the set rule evidence, verify the set rule evidence based on the conditional payment data, and submit the rule confirmation evidence to the blockchain network after passing the verification;

[0074] The financial institution node is configured to obtain the proof of rule setting and the proof of rule confirmation, verify the proof of rule setting and the proof of rule confirmation, and upon successful verification, determine whether the conditions for the conditional payment are met based on the first user's account status data. Upon determining that the conditions are met, the financial institution node submits the proof of rule fulfillment to the blockchain network.

[0075] The withholding agency node is used to obtain the proof of setting rules, the proof of rule confirmation and the proof of rule achievement. After verifying the proof of setting rules, the proof of rule confirmation and the proof of rule achievement, and after the withholding is successfully executed, it submits the trigger execution proof to the blockchain network.

[0076] The first user node submits the set rule evidence to the blockchain network based on the needs of conditional payment; the second user node obtains the set rule evidence, verifies the set rule evidence based on the conditional payment data, and submits the rule confirmation evidence to the blockchain network after the verification is passed; the financial institution node obtains the set rule evidence and the rule confirmation evidence, verifies the set rule evidence and the rule confirmation evidence, and determines whether the conditions for conditional payment are met based on the account status data of the first user after the verification is passed, and submits the rule fulfillment evidence to the blockchain network after it is determined that the conditions are met; the withholding agency node obtains the set rule evidence, the rule confirmation evidence and the rule fulfillment evidence, and submits the trigger execution evidence to the blockchain network after the withholding is successfully executed after verifying the set rule evidence, the rule confirmation evidence and the rule fulfillment evidence. The use of blockchain for conditional payment data processing has been realized. After confirming that the evidence of the previous participant is correct, each participant in the conditional payment processes the data and uploads its own evidence to ensure that the conditional payment is completed accurately according to the payment logic. Not only does each participant participate in the payment process, but the data transparency based on the blockchain can make the transaction process open and transparent; and based on the immutability of the blockchain, security is greatly improved.

[0077] Based on the conditional payment process, the process can be mapped into stages: conditional rules (the payment initiator sets the conditional rules, such as initiating a payment at a specified time), rule negotiation (whether the payment recipient agrees to the relevant rules, confirms the rule content, and negotiates), trigger confirmation (when the rules are met, the conditions are triggered), and trigger execution (the payment process is executed and payment is processed). Therefore, the responsibilities of the participants in conditional payments are, in order: the payment initiator sets the rules, the payment recipient confirms the rules, the financial institution (bank, third-party institution, etc.) confirms that the rules have been met, and the withholding institution (bank, third-party institution, etc.) triggers execution. Therefore, corresponding to each participant, a blockchain network is constructed, including the first user node, the second user node, the financial institution node, and the withholding institution node.

[0078] In a specific embodiment, a first user node is configured to submit a proof of set rules to the blockchain network based on a conditional payment requirement. A conditional payment requirement refers to the conditions required to initiate a payment. The payment initiator may send the conditional payment requirement to the first user node, which then extracts the conditional rules, including, for example, payee and payee account information and the payment amount. This proof is then uploaded to the blockchain network, creating a block containing the proof of set rules. In a specific implementation, the first user node is further configured to obtain the block address corresponding to the proof of set rules after uploading the proof of set rules. The block address includes at least the block's blockchain address (hash address) and block height. In a specific implementation, to facilitate rapid access to the proof of set rules by the second user node, the first user node may return the block address to the payment initiator, which then sends the block address to the payment recipient off-chain. The payment recipient then sends the received block address to the second user node.

[0079] Among them, blockchain evidence storage refers to the storage and circulation of all valuable certificates, proofs, information materials, etc. on the blockchain, which has natural advantages over traditional evidence storage methods.

[0080] Accordingly, the second user node is specifically configured to obtain the set rule evidence based on the blockchain address of the received block. Alternatively, the second user node is specifically configured to poll block data in the blockchain network based on the received block height to obtain the set rule evidence. Because the blockchain address can accurately determine the location of a block, while the block height can only roughly determine the location of a block, the second user node can directly obtain the set rule evidence as long as it receives the blockchain address of the block. If the second user node only receives the block height, it polls the block data in the blockchain network to obtain the set rule evidence.

[0081] In specific implementations, after obtaining the set rule evidence, the second user node is specifically configured to: generate a rule confirmation evidence based on the verification result data of the set rule evidence and the block address corresponding to the set rule evidence. Specifically, after confirming that both parties have reached a consensus on the conditional payment, the second user node is configured to integrate the verification data and the block address corresponding to the set rule evidence to form the rule confirmation evidence and upload it to the blockchain.

[0082] Next, the financial institution node is used to obtain the set rule evidence and the rule confirmation evidence, and verify the set rule evidence and the rule confirmation evidence. If the verification is successful, it determines whether the conditions for the conditional payment have been met based on the first user's account status data. If so, it submits the rule fulfillment evidence to the blockchain network. Because the rule confirmation evidence contains the block address corresponding to the set rule evidence, the financial institution node is specifically configured to: monitor blocks in the blockchain network to obtain the rule confirmation evidence; determine the block address of the set rule evidence based on the rule confirmation evidence; and obtain the set rule evidence based on the block address of the set rule evidence.

[0083] During specific implementation, the financial institution node obtains the set rule evidence and rule confirmation evidence, and after verification, sends a condition confirmation instruction to the financial institution (bank, third-party institution), and receives the confirmation result returned by the internal system on whether the condition of the conditional payment has been met. After receiving the confirmation that the condition has been met (for example, the internal system confirms that the account balance of the payment initiator meets the payment amount), it submits the rule achievement evidence to the blockchain network. In order to facilitate layer-by-layer traceability and easy search, the financial institution node is specifically used to record the blockchain address corresponding to the rule confirmation evidence after obtaining the rule confirmation evidence; the confirmation result data of the condition achievement and the blockchain address corresponding to the rule confirmation evidence are integrated to form the rule confirmation evidence.

[0084] Next, the withholding agency node is used to obtain the Rule Setting Proof, the Rule Confirmation Proof, and the Rule Achievement Proof. After verifying and passing these, and after successful withholding execution, it submits the Trigger Execution Proof to the blockchain network. In specific implementation, since the Rule Confirmation Proof contains the blockchain address corresponding to the Rule Confirmation Proof, the withholding agency node is specifically used to: monitor blocks in the blockchain network to obtain the Rule Achievement Proof; and based on the Rule Achievement Proof, obtain the Rule Setting Proof and the Rule Setting Proof. Specifically, by obtaining the blockchain address of the Rule Confirmation Proof from the Rule Achievement Proof, and after obtaining the Rule Confirmation Proof, obtain the Rule Setting Proof.

[0085] In order to facilitate understanding of how the present invention is implemented, Figures 2 to 3 Give an example.

[0086] Taking the conditional payment of payment after signing the contract as an example, the conditional payment process using the blockchain-based conditional payment data processing system provided by the present invention is described:

[0087] Assume that the payment scenario is as follows: there are two accounts A and B in Bank X. If the legal entities corresponding to these two accounts complete the contract operation and the balance in Account A is greater than $50, then A's withholding agency Y will operate Account A to transfer $50 to Account B.

[0088] The process is as follows Figure 2 Shown, including:

[0089] User A submits a blockchain certificate (set rule certificate) to the blockchain network through the first user node corresponding to A. The content contains the rules of this conditional payment, that is, the payment account, payment amount and other information.

[0090] After the first user section corresponding to A is submitted, the blockchain address addr1 and block height block1 corresponding to the evidence are obtained and returned to user A's client.

[0091] User B can confirm the content just submitted by A by using the second user node corresponding to B to monitor the blockchain block events and parse the content of each block; and A can also send addr1 and lock1 to B offline, and B will send addr1 and lock1 to the second user node corresponding to B, and the node can directly query the set rule evidence.

[0092] B primarily verifies the legality of the conditional payment details entered by A. If so, B uses the second node to submit a blockchain certificate, confirming its approval of the contents of addr1. This certificate is called the rule confirmation certificate, and its corresponding blockchain address is assumed to be addr2. Note that the first data in addr2 is the address of addr1. Therefore, knowing addr2's address will allow you to find addr1's address. If the verification is incorrect, the verification fails. B can notify all participants of the failure and the reason for the failure off-chain, or upload the rule confirmation failure certificate to the blockchain network to notify all participants.

[0093] After B confirms the conditional payment, branch X, where A's account is located, continues monitoring, using its corresponding financial institution node to listen for blockchain block events and parse each block to confirm the details B submitted. Based on the contents of addr2, X retrieves the contents of addr1. Once both addr2 and addr1 are confirmed correct, X begins monitoring A's account status off-chain, using its internal business system. If A's account balance reaches the specified rule, X freezes the funds off-chain and submits a proof of rule fulfillment to the blockchain through its corresponding financial institution node, indicating that the rule has been fulfilled. If the contents of addr2 and addr1 are confirmed to be incorrect, or if insufficient account balances are confirmed within a pre-set timeframe, X can notify all participating parties of the verification failure and the reason for the failure off-chain. Alternatively, X can upload a proof of rule failure to the blockchain network to notify all participating parties.

[0094] Assuming that the address of the proof of the rule is addr3, the first data on addr3 is the address of addr2. In this way, the previous proof can be traced back to ensure that the entire transaction payment process is clear and easy to query.

[0095] A's withholding agent, Y, uses its corresponding withholding agent node to monitor the transaction. If it detects the content of the rule-compliant deposit and parses and verifies that it is correct, it will initiate the off-chain withholding payment operation and submit the remittance note (or other fields that can confirm the details of the off-chain payment operation) to the on-chain deposit through the withholding agent node as the triggering evidence. If the parsing and verification are incorrect, or the withholding operation fails, Y can notify all participants of the verification failure and the reason for the failure off-chain, or upload the execution failure evidence to the blockchain network to notify all participants.

[0096] Similarly, assuming that the address of the stored certificate is addr4, the first line of addr4 is the address of addr3, ensuring that it can be backtracked.

[0097] A successful conditional payment must have four evidence records corresponding to these four stages.

[0098] It can be seen from this that any participant in a conditional payment can use the address of addr4 to trace back to the evidence content of all stages in the process of advancing the condition and verify its legitimacy, thus solving the security issues brought about by centralization.

[0099] In addition, during specific implementation, it may be possible that the evidence cannot be obtained for a long time. In order to notify the participants in a timely manner and find the error, a time period can be agreed in advance. Within the agreed time period, for example, within 5 minutes, if the second user node corresponding to B, the financial institution node corresponding to X, or the withholding agency node corresponding to Y does not monitor the corresponding evidence, the conditional payment is considered to have failed, and the participants will be notified of the reason for the failure so that they can find the error and correct it.

[0100] Furthermore, to enhance the security of blockchain-based conditional payment data processing systems, the evidence can be encrypted, and private data (such as amounts and off-chain bank account numbers) can be encrypted and stored on-chain using the public key of each participant to prevent information leakage. Specifically, when a transaction is created, all participants (A, B, X, and Y) are specified, and each participant's public key is pre-set or directly reused from their blockchain accounts. Next, when each participant confirms the transaction, they enclose the confirmation information in an envelope encrypted using the public keys of A, B, X, and Y and submit it to the evidence. In other words, the evidence is an envelope-encrypted ciphertext, and each participant can only proceed with the transaction by pulling the evidence from the blockchain, storing it on their client, and then decrypting it with their private key.

[0101] Alternatively, a blockchain can store only hash values, while off-chain clients store the original data. This means that each participant submits a short hash value for on-chain evidence. The corresponding offline client, using a system like OSS file storage, can find the corresponding file using the hash value. Participants simply double-check whether the hash value matches the specified one. If so, the file is considered the correct one and can then parse its contents. This further improves data security and prevents information leaks.

[0102] like Figure 3 The figure below illustrates an example of a blockchain network in an embodiment of the present invention. A single block may contain multiple conditional payments in progress. For each conditional payment, when recording a new phase, participants will also record the block location of the previous evidence for that condition. This allows any participant to find the block containing the latest state of the rule and subsequently traverse all previously stored evidence to verify the legitimacy of the evidence chain. For clarity, blocks can be numbered to identify the conditional payment being executed. Blocks with the same number in the figure represent the same conditional payment.

[0103] At the same time, based on the immutability of the blockchain, if a participant does not perform the corresponding off-chain operation, but makes a conditional confirmation on the chain, other participants can perform off-chain confirmation through the remittance remarks (or other equivalent fields) in the blockchain evidence. If the evidence is confirmed to be inconsistent with the off-chain operation, it can be used as evidence to safeguard rights and interests through legal means, thereby protecting the rights and interests of each participant and improving trust.

[0104] like Figure 4 As shown, an embodiment of the present invention further provides a first user node, wherein the first user node, the financial institution node, the second user node and the withholding institution node constitute a blockchain network, and the first user node includes:

[0105] A payment request receiving unit 401 is used to receive a conditional payment request;

[0106] The setting rule evidence submission unit 402 is used to determine the conditional rules according to the received conditional payment requirements, and submit the setting rule evidence to the blockchain network based on the conditional rules.

[0107] In one embodiment, the first user node further includes:

[0108] A block address determination unit, used to obtain the block address corresponding to the set rule evidence;

[0109] The block address includes at least: the blockchain address of the block and / or the block height.

[0110] In order to further ensure security, the rule is set that the evidence contains the digital signature of the first user node so that subsequent nodes can verify the authenticity of the evidence.

[0111] like Figure 5 As shown, the embodiment of the present invention further provides a second user node, wherein the first user node, the financial institution node, the second user node and the withholding institution node constitute a blockchain network, and the second user node includes:

[0112] The first evidence acquisition unit 501 is used to acquire the setting rule evidence;

[0113] A first verification unit 502 is used to verify the set rule evidence based on the conditional payment data;

[0114] The rule confirmation evidence submission unit 503 is used to submit the rule confirmation evidence to the blockchain network after the set rule evidence is verified.

[0115] In one embodiment, the first evidence acquisition unit 501 is specifically used to: acquire the setting rule evidence according to the blockchain address of the block corresponding to the received setting rule evidence.

[0116] In one embodiment, the first evidence acquisition unit 501 is specifically used to: poll block data in the blockchain network according to the block height corresponding to the received set rule evidence, and obtain the set rule evidence.

[0117] In a specific embodiment, the rule confirmation evidence submission unit 503 is specifically used to:

[0118] The verification result data based on the set rule evidence and the block address corresponding to the set rule evidence form the rule confirmation evidence.

[0119] To further ensure security, the rules confirm that the evidence contains the digital signature of the second user node so that subsequent nodes can verify the authenticity of the evidence.

[0120] like Figure 6 As shown, an embodiment of the present invention further provides a financial institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, and the financial institution node includes:

[0121] The second evidence acquisition unit 601 is used to acquire the setting rule evidence and the rule confirmation evidence;

[0122] A second verification unit 602 is used to verify the obtained setting rule evidence and rule confirmation evidence;

[0123] A condition verification unit 603 is configured to determine whether a condition for conditional payment is met based on the account status data of the first user after the second verification unit 602 passes the verification;

[0124] The rule confirmation evidence submission unit 604 is used to submit the rule fulfillment evidence to the blockchain network after determining that the conditions for conditional payment are met.

[0125] In one embodiment, the second evidence acquisition unit 601 is specifically configured to:

[0126] Monitor blocks in the blockchain network and obtain rule confirmation evidence;

[0127] Confirm the evidence according to the rules and determine the block address where the evidence is stored according to the set rules;

[0128] Obtain the set rule evidence according to the block address of the set rule evidence.

[0129] And to further ensure security, the rules stipulate that the evidence contains the digital signature of the financial institution node so that subsequent nodes can verify the authenticity of the evidence.

[0130] like Figure 7As shown, an embodiment of the present invention further provides a withholding institution node, wherein a first user node, a financial institution node, a second user node, and a withholding institution node constitute a blockchain network, and the withholding institution node includes:

[0131] The third evidence acquisition unit 701 is used to acquire the rule setting evidence, rule confirmation evidence and rule achievement evidence;

[0132] The third verification unit 702 is used to verify the obtained setting rule evidence, rule confirmation evidence and rule achievement evidence;

[0133] The execution evidence submission unit 703 is used to submit the trigger execution evidence to the blockchain network after the third verification unit has passed the verification and the deduction is successfully executed.

[0134] In a specific embodiment, the third evidence acquisition unit 701 is specifically configured to:

[0135] Monitor blocks in the blockchain network and obtain proof of rule compliance;

[0136] Achieve evidence according to the rules, obtain confirmation of the set rules and establish evidence of the set rules.

[0137] In order to further ensure security, the trigger execution evidence contains the digital signature of the withholding agency node, so that subsequent nodes can verify the authenticity of the evidence.

[0138] Based on the same inventive concept, an embodiment of the present invention further provides a conditional payment data processing method based on blockchain. The principle of solving the problem is similar to that of the conditional payment data processing system based on blockchain, and the repeated parts are not repeated here. The conditional payment data processing method based on blockchain is applied to the system, and the first user node, the financial institution node, the second user node and the withholding agency node constitute a blockchain network. The conditional payment data processing method based on blockchain, such as Figure 8 Shown, including:

[0139] Step 801: The first user node submits the set rule evidence to the blockchain network based on the conditional payment requirement;

[0140] Step 802: The second user node obtains the set rule evidence, verifies the set rule evidence based on the conditional payment data, and submits the rule confirmation evidence to the blockchain network after passing the verification.

[0141] Step 803: The financial institution node obtains the rule setting evidence and the rule confirmation evidence, verifies the rule setting evidence and the rule confirmation evidence, and after passing the verification, determines whether the condition for the conditional payment is met based on the first user's account status data. If it is determined that the condition is met, the financial institution node submits the rule fulfillment evidence to the blockchain network.

[0142] Step 804: The withholding agency node obtains the proof of rule setting, the proof of rule confirmation, and the proof of rule achievement. After verifying and passing the proof of rule setting, the proof of rule confirmation, and the proof of rule achievement, and after the withholding is successfully executed, the withholding agency node submits the trigger execution proof to the blockchain network.

[0143] In one embodiment, the blockchain-based conditional payment data processing method further includes:

[0144] The first user node obtains the block address corresponding to the set rule evidence; wherein the block address at least includes: the blockchain address and / or block height of the block.

[0145] Correspondingly, the second user node obtains the setting rule evidence, including: the second user node obtains the setting rule evidence according to the blockchain address of the received block.

[0146] Or the second user node obtains the set rule evidence, including: the second user node polls block data in the blockchain network according to the received block height to obtain the set rule evidence.

[0147] In one embodiment, submitting a rule confirmation certificate to the blockchain network includes:

[0148] The verification result data based on the set rule evidence and the block address corresponding to the set rule evidence are used to form the rule confirmation evidence, which is then submitted to the blockchain network.

[0149] In one embodiment, the financial institution node obtains the set rule evidence and the rule confirmation evidence, including:

[0150] Financial institution nodes monitor blocks in the blockchain network and obtain rule confirmation evidence;

[0151] Confirm the evidence according to the rules and determine the block address where the evidence is stored according to the set rules;

[0152] Obtain the set rule evidence according to the block address of the set rule evidence.

[0153] During implementation, the withholding institution node obtains proof of rule setting, proof of rule confirmation, and proof of rule achievement, including:

[0154] The withholding agency node monitors the blocks in the blockchain network and obtains proof of rule compliance;

[0155] Achieve evidence according to the rules, obtain set rule evidence and set rule evidence.

[0156] Based on the same inventive concept, an embodiment of the present invention further provides a conditional payment data processing method based on blockchain applied to a first user node, as described in the following embodiments. Since the principle of solving the problem by the conditional payment data processing method based on blockchain applied to the first user node is similar to that of the conditional payment data processing system based on blockchain, the implementation of the conditional payment data processing method based on blockchain applied to the first user node can refer to the implementation of the conditional payment data processing system based on blockchain, and the repetitions will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0157] Figure 9 is a flow chart of a conditional payment data processing method based on blockchain applied to a first user node in an embodiment of the present invention. The first user node, the financial institution node, the second user node and the withholding institution node constitute a blockchain network. Figure 9 As shown, the processing method is applied to the first user node and includes the following steps:

[0158] Step 901: receiving a conditional payment request;

[0159] Step 902: Determine the conditional rules based on the received conditional payment requirements, and submit the set rule evidence to the blockchain network based on the conditional rules.

[0160] Based on the same inventive concept, an embodiment of the present invention further provides a conditional payment data processing method based on blockchain applied to a second user node, as described in the following embodiments. Since the principle of solving the problem by the conditional payment data processing method based on blockchain applied to the second user node is similar to that of the conditional payment data processing system based on blockchain, the implementation of the conditional payment data processing method based on blockchain applied to the second user node can refer to the implementation of the conditional payment data processing system based on blockchain, and the repetitions will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0161] Figure 10 is a flow chart of a conditional payment data processing method based on blockchain applied to a second user node in an embodiment of the present invention. The first user node, the financial institution node, the second user node and the withholding institution node constitute a blockchain network. Figure 10 As shown, the processing method is applied to the second user node and includes the following steps:

[0162] Step 1001: Obtaining setting rule evidence;

[0163] Step 1002: Verify the set rule evidence based on the conditional payment data;

[0164] Step 1003: After the set rule evidence is verified, submit the rule confirmation evidence to the blockchain network.

[0165] Based on the same inventive concept, an embodiment of the present invention further provides a conditional payment data processing method based on blockchain applied to a financial institution node, as described in the following embodiments. Since the principle of solving the problem by the conditional payment data processing method based on blockchain applied to a financial institution node is similar to that of the conditional payment data processing system based on blockchain, the implementation of the conditional payment data processing method based on blockchain applied to a financial institution node can refer to the implementation of the conditional payment data processing system based on blockchain, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0166] Figure 11 is a flow chart of a conditional payment data processing method based on blockchain applied to a financial institution node in an embodiment of the present invention. The first user node, the financial institution node, the second user node and the withholding institution node constitute a blockchain network. Figure 11 As shown, the processing method is applied to the financial institution node and includes the following steps:

[0167] Step 1101: Obtaining the setting rule evidence and the rule confirmation evidence;

[0168] Step 1102: Verify the acquired setting rule evidence and rule confirmation evidence;

[0169] Step 1103: After verification is passed, determine whether the condition for conditional payment is met based on the first user's account status data;

[0170] Step 1104: After determining that the conditions for conditional payment are met, submit the rules to the blockchain network for proof of achievement.

[0171] Based on the same inventive concept, an embodiment of the present invention further provides a conditional payment data processing method based on blockchain applied to the withholding agency node, as described in the following embodiments. Since the principle of solving the problem by the conditional payment data processing method based on blockchain applied to the withholding agency node is similar to that of the conditional payment data processing system based on blockchain, the implementation of the conditional payment data processing method based on blockchain applied to the withholding agency node can refer to the implementation of the conditional payment data processing system based on blockchain, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0172] Figure 12 is a flow chart of a conditional payment data processing method based on blockchain applied to a withholding institution node in an embodiment of the present invention. The first user node, the financial institution node, the withholding institution node and the withholding institution node constitute a blockchain network. Figure 12 As shown, the processing method is applied to the withholding institution node and includes the following steps:

[0173] Step 1201: Obtaining rule setting evidence, rule confirmation evidence, and rule achievement evidence;

[0174] Step 1202: Verify the acquired rule setting evidence, rule confirmation evidence, and rule achievement evidence;

[0175] Step 1203: After verification is passed and the deduction is successfully executed, the trigger execution evidence is submitted to the blockchain network.

[0176] An embodiment of the present invention also provides a computer device, comprising: a processor suitable for implementing various instructions and a storage device, wherein the storage device stores multiple instructions, and the instructions are suitable for being loaded by the processor and executing the above-mentioned blockchain-based conditional payment data processing method.

[0177] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program, and the computer program is used to execute: the above-mentioned blockchain-based conditional payment data processing method.

[0178] An embodiment of the present invention also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements: the above-mentioned blockchain-based conditional payment data processing method.

[0179] In summary, the advantageous effects of the blockchain network technology solution composed of the first user node, financial institution node, second user node, and withholding institution node provided in the embodiment of the present invention are as follows:

[0180] The first user node submits the set rule evidence to the blockchain network based on the needs of conditional payment; the second user node obtains the set rule evidence, verifies the set rule evidence based on the conditional payment data, and submits the rule confirmation evidence to the blockchain network after the verification is passed; the financial institution node obtains the set rule evidence and the rule confirmation evidence, verifies the set rule evidence and the rule confirmation evidence, and determines whether the conditions for conditional payment are met based on the account status data of the first user after the verification is passed, and submits the rule fulfillment evidence to the blockchain network after it is determined that the conditions are met; the withholding agency node obtains the set rule evidence, the rule confirmation evidence and the rule fulfillment evidence, and submits the trigger execution evidence to the blockchain network after the withholding is successfully executed after verifying the set rule evidence, the rule confirmation evidence and the rule fulfillment evidence. The use of blockchain for conditional payment data processing has been realized. After confirming that the evidence of the previous participant is correct, each participant in the conditional payment processes the data and uploads its own evidence to ensure that the conditional payment is completed accurately according to the payment logic. Not only does each participant participate in the payment process, but the data transparency based on the blockchain can make the transaction process open and transparent; and based on the immutability of the blockchain, security is greatly improved.

[0181] By recording the block address corresponding to the previous proof in each deposit, we can trace back layer by layer to ensure that every stage of the entire payment process can be verified, ensuring the security of the transaction. Based on the immutability of the blockchain network, the proof can be used as a voucher for the payment process, protecting the rights and interests of all participants and improving the trust in the payment process.

[0182] Although the present invention provides method operation steps as described in the embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-creative work. The order of steps listed in the embodiments is only one way of executing the steps among many steps and does not represent the only execution order. When an actual device or client product is executed, the method can be executed sequentially or in parallel according to the embodiments or the accompanying drawings (for example, in a parallel processor or multi-threaded processing environment).

[0183] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, devices (systems), or computer program products. Thus, the embodiments of this specification may take the form of entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0184] The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0185] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0186] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0187] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences from other embodiments. In particular, for system embodiments, since they are basically similar to method embodiments, the description is relatively simple. For relevant parts, refer to the partial description of the method embodiments. In this document, relational terms such as first and second are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations.

[0188] It should be noted that, unless there is a conflict, the embodiments of the present invention and the features therein may be combined with each other. The present invention is not limited to any single aspect, any single embodiment, or any combination and / or permutation of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of the present invention may be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0189] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above embodiments, or make equivalent replacements for some or all of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present invention, and they should all be included in the scope of the claims and description of the present invention.

Claims

1. A conditional payment data processing system based on blockchain, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; wherein: The first user node is used to submit the set rule evidence to the blockchain network based on the requirements of conditional payment; The second user node is configured to obtain the set rule evidence, verify the set rule evidence based on the conditional payment data, and submit the rule confirmation evidence to the blockchain network after passing the verification; The financial institution node is configured to obtain the set rule evidence and the rule confirmation evidence, verify the set rule evidence and the rule confirmation evidence, and upon successful verification, determine whether the condition for the conditional payment is met based on the first user's account status data, and upon determining that the condition is met, submit the rule fulfillment evidence to the blockchain network; The withholding agency node is used to obtain the set rule evidence, the rule confirmation evidence and the rule achievement evidence, and after verifying the set rule evidence, the rule confirmation evidence and the rule achievement evidence, after the withholding is successfully executed, submit the trigger execution evidence to the blockchain network.

2. The blockchain-based conditional payment data processing system according to claim 1, characterized in that: The first user node is further used to obtain a block address corresponding to the set rule evidence, where the block address includes at least a blockchain address and / or a block height of the block.

3. The blockchain-based conditional payment data processing system according to claim 2, characterized in that: The second user node is specifically used to obtain the set rule evidence according to the blockchain address of the received block.

4. The blockchain-based conditional payment data processing system according to claim 2, characterized in that: The second user node is specifically used to: According to the received block height, the block data is polled in the blockchain network to obtain the set rule evidence.

5. The blockchain-based conditional payment data processing system according to claim 2, characterized in that: The second user node is specifically used to: The rule confirmation evidence is formed based on the verification result data of the set rule evidence and the block address corresponding to the set rule evidence.

6. The blockchain-based conditional payment data processing system according to claim 5, characterized in that: The financial institution node is specifically used to: Monitor blocks in the blockchain network and obtain proof of confirmation of the rules; Confirm the evidence according to the rules and determine the block address of the evidence set according to the rules; Obtain the setting rule evidence according to the block address of the setting rule evidence.

7. The blockchain-based conditional payment data processing system according to claim 6, characterized in that: The withholding agency node is specifically used to: Monitor blocks in the blockchain network and obtain proof of compliance with the rules; Achieve evidence according to the rules, obtain the rule confirmation evidence and the set rule evidence.

8. A first user node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; The first user node includes: A payment demand receiving unit, used for receiving a conditional payment demand; A rule-setting evidence submission unit is configured to determine a conditional rule based on a received conditional payment request, and submit a rule-setting evidence to the blockchain network based on the conditional rule; Among them, the set rule evidence is used for the second user node to verify the set rule evidence according to the conditional payment data, and after the verification is passed, the rule confirmation evidence is submitted to the blockchain network; the set rule evidence and the rule confirmation evidence are used for the financial institution node to verify, and after the verification is passed, it is determined whether the conditions for conditional payment are met based on the account status data of the first user, and after it is determined that the conditions are met, the rule achievement evidence is submitted to the blockchain network; the set rule evidence, the rule confirmation evidence and the rule achievement evidence are used for the withholding agency node to verify and submit the trigger execution evidence to the blockchain network after the withholding is successfully executed.

9. The first user node according to claim 8, characterized in that The first user node further includes: A block address determination unit, configured to obtain a block address corresponding to the set rule evidence; The block address includes at least: the blockchain address of the block and / or the block height.

10. The first user node according to claim 8 or 9, characterized in that: The setting rule evidence includes a digital signature of the first user node.

11. A second user node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; the second user node includes: A first evidence acquisition unit is configured to acquire a set rule evidence; wherein the set rule evidence is submitted to the blockchain network by the first user node according to the conditional payment requirement; A first verification unit is configured to verify the stored evidence of the set rule based on the conditional payment data; A rule confirmation evidence submission unit, configured to submit the rule confirmation evidence to the blockchain network after the set rule evidence is verified; Among them, the rule setting evidence and the rule confirmation evidence are used for verification by the financial institution node. After the verification is passed, it is determined whether the conditions for conditional payment are met based on the account status data of the first user. After it is determined that the conditions are met, the rule achievement evidence is submitted to the blockchain network; the rule setting evidence, the rule confirmation evidence and the rule achievement evidence are used for verification by the withholding agency node. After the withholding is successfully executed, the trigger execution evidence is submitted to the blockchain network.

12. The second user node according to claim 11, characterized in that The first evidence acquisition unit is specifically used to obtain the setting rule evidence according to the blockchain address of the block corresponding to the received setting rule evidence.

13. The second user node according to claim 11, characterized in that: The first evidence acquisition unit is specifically used to: poll block data in the blockchain network according to the block height corresponding to the received set rule evidence, and obtain the set rule evidence.

14. The second user node according to claim 11, characterized in that: The rule confirmation evidence submission unit is specifically used to: The rule confirmation evidence is formed based on the verification result data of the set rule evidence and the block address corresponding to the set rule evidence.

15. The second user node according to any one of claims 11 to 14, characterized in that: The rule confirmation evidence includes the digital signature of the second user node.

16. A financial institution node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; the financial institution node includes: A second evidence acquisition unit is configured to acquire a set rule evidence and a rule confirmation evidence; wherein the set rule evidence is submitted to the blockchain network by the first user node based on the conditional payment requirement; and the rule confirmation evidence is verified by the second user node based on the conditional payment data, and submitted to the blockchain network after passing the verification; A second verification unit is used to verify the obtained setting rule evidence and rule confirmation evidence; a condition verification unit, configured to determine whether a condition for conditional payment is met based on the account status data of the first user after verification by the second verification unit is passed; The rule confirmation evidence submission unit is used to submit the rule confirmation evidence to the blockchain network after confirming that the conditions for conditional payment have been met; Among them, the rule setting evidence, the rule confirmation evidence and the rule achievement evidence are used for the withholding agency node to verify and pass, and after the withholding is successfully executed, submit the trigger execution evidence to the blockchain network.

17. The financial institution node according to claim 16, characterized in that: The second evidence acquisition unit is specifically configured to: Monitor blocks in the blockchain network and obtain proof of confirmation of the rules; Confirm the evidence according to the rules and determine the block address of the evidence set according to the rules; Obtain the setting rule evidence according to the block address of the setting rule evidence.

18. The financial institution node according to claim 16 or 17, characterized in that: The rule fulfillment evidence includes the digital signature of the financial institution node.

19. A withholding mechanism node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network; the withholding institution node includes: A third evidence acquisition unit is configured to acquire a set rule evidence, a rule confirmation evidence, and a rule fulfillment evidence; wherein the set rule evidence is submitted to the blockchain network by the first user node based on the conditional payment requirement; the rule confirmation evidence is verified by the second user node based on the conditional payment data, and after passing the verification, it is submitted to the blockchain network; the rule fulfillment evidence is verified by the financial institution node on the set rule evidence and the rule confirmation evidence, and after passing the verification, determines whether the condition of the conditional payment is met based on the first user's account status data, and after determining that it is met, submits it to the blockchain network; A third verification unit is used to verify the obtained set rule evidence, rule confirmation evidence and rule achievement evidence; The execution evidence submission unit is used to submit the trigger execution evidence to the blockchain network after the verification by the third verification unit is passed and the withholding is successfully executed.

20. The withholding mechanism node according to claim 19, characterized in that: The third evidence acquisition unit is specifically configured to: Monitor blocks in the blockchain network and obtain proof of compliance with the rules; Achieve evidence according to the rules, obtain the rule confirmation evidence and the set rule evidence.

21. The withholding mechanism node according to claim 19 or 20, characterized in that: The trigger execution evidence includes the digital signature of the withholding agency node.

22. A method for processing conditional payment data based on blockchain, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network. The blockchain-based conditional payment data processing method includes: The first user node submits the set rule evidence to the blockchain network based on the conditional payment requirements; The second user node obtains the set rule evidence, verifies the set rule evidence based on the conditional payment data, and submits the rule confirmation evidence to the blockchain network after passing the verification; The financial institution node obtains the set rule evidence and the rule confirmation evidence, verifies the set rule evidence and the rule confirmation evidence, and after passing the verification, determines whether the condition of the conditional payment is met based on the account status data of the first user, and after determining that the condition is met, submits the rule fulfillment evidence to the blockchain network; The withholding agency node obtains the set rule evidence, the rule confirmation evidence and the rule achievement evidence, and after verifying the set rule evidence, the rule confirmation evidence and the rule achievement evidence, after the withholding is successfully executed, submits the trigger execution evidence to the blockchain network.

23. The blockchain-based conditional payment data processing method according to claim 22, characterized in that: Also includes: The first user node obtains the block address corresponding to the set rule evidence; The block address includes at least: the blockchain address of the block and / or the block height.

24. The blockchain-based conditional payment data processing method according to claim 23, characterized in that: The second user node obtains the setting rule evidence, including: The second user node obtains the set rule evidence according to the blockchain address of the received block.

25. The blockchain-based conditional payment data processing method according to claim 23, characterized in that: The second user node obtains the setting rule evidence, including: The second user node polls the block data in the blockchain network according to the received block height to obtain the set rule evidence.

26. The blockchain-based conditional payment data processing method according to claim 23, characterized in that: Submitting rules to the blockchain network for confirmation and storage, including: Based on the verification result data of the set rule evidence and the block address corresponding to the set rule evidence, the rule confirmation evidence is formed, and the rule confirmation evidence is submitted to the blockchain network.

27. The blockchain-based conditional payment data processing method according to claim 26, characterized in that: The financial institution node obtains the set rule evidence and the rule confirmation evidence, including: The financial institution's nodes monitor the blocks in the blockchain network and obtain the rules to confirm the evidence; Confirm the evidence according to the rules and determine the block address of the evidence set according to the rules; Obtain the setting rule evidence according to the block address of the setting rule evidence.

28. The blockchain-based conditional payment data processing method according to claim 27, characterized in that: The withholding institution node obtains the set rule evidence, the rule confirmation evidence, and the rule achievement evidence, including: The withholding agency node monitors the blocks in the blockchain network and obtains the proof of compliance with the rules; According to the rule, the evidence is achieved, and the setting rule evidence and the setting rule evidence are obtained.

29. A conditional payment data processing method based on blockchain, applied to a first user node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network. The blockchain-based conditional payment data processing method includes: The need to receive conditional payments; Determine the conditional rules based on the received conditional payment requirements, and submit the set rule evidence to the blockchain network based on the conditional rules; Among them, the set rule evidence is used for the second user node to verify the set rule evidence according to the conditional payment data, and after the verification is passed, the rule confirmation evidence is submitted to the blockchain network; the set rule evidence and the rule confirmation evidence are used for the financial institution node to verify, and after the verification is passed, it is determined whether the conditions for conditional payment are met based on the account status data of the first user, and after it is determined that the conditions are met, the rule achievement evidence is submitted to the blockchain network; the set rule evidence, the rule confirmation evidence and the rule achievement evidence are used for the withholding agency node to verify and submit the trigger execution evidence to the blockchain network after the withholding is successfully executed.

30. A conditional payment data processing method based on blockchain, applied to a second user node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network. The blockchain-based conditional payment data processing method includes: Obtaining a record of the set rules; wherein the record of the set rules is submitted to the blockchain network by the first user node according to the conditional payment requirements; Verify the set rule evidence based on the conditional payment data; After the verification of the set rules is passed, the rules are submitted to the blockchain network for confirmation and verification; Among them, the rule setting evidence and the rule confirmation evidence are used for verification by the financial institution node. After the verification is passed, it is determined whether the conditions for conditional payment are met based on the account status data of the first user. After it is determined that the conditions are met, the rule achievement evidence is submitted to the blockchain network; the rule setting evidence, the rule confirmation evidence and the rule achievement evidence are used for verification by the withholding agency node. After the withholding is successfully executed, the trigger execution evidence is submitted to the blockchain network.

31. A conditional payment data processing method based on blockchain, applied to financial institution nodes, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network. The blockchain-based conditional payment data processing method includes: Obtaining a set rule evidence and a rule confirmation evidence; wherein the set rule evidence is submitted to the blockchain network by the first user node based on the conditional payment requirement; the rule confirmation evidence is verified by the second user node based on the conditional payment data, and submitted to the blockchain network after passing the verification; Verify the obtained set rule evidence and rule confirmation evidence; After the verification is passed, determining whether the conditions for the conditional payment are met based on the first user's account status data; After the conditions for conditional payment are met, the rules are submitted to the blockchain network for proof of payment; Among them, the rule setting evidence, the rule confirmation evidence and the rule achievement evidence are used for the withholding agency node to verify and pass, and after the withholding is successfully executed, submit the trigger execution evidence to the blockchain network.

32. A conditional payment data processing method based on blockchain, applied to a withholding institution node, characterized in that: The first user node, the financial institution node, the second user node, and the withholding institution node constitute a blockchain network. The blockchain-based conditional payment data processing method includes: Obtaining a set rule evidence, a rule confirmation evidence, and a rule fulfillment evidence; wherein the set rule evidence is submitted to the blockchain network by the first user node based on the conditional payment requirement; the rule confirmation evidence is verified by the second user node based on the conditional payment data, and after passing the verification, it is submitted to the blockchain network; the rule fulfillment evidence is verified by the financial institution node on the set rule evidence and the rule confirmation evidence, and after passing the verification, determines whether the condition of the conditional payment is met based on the first user's account status data, and after determining that it is met, submits it to the blockchain network; Verify the obtained set rule evidence, rule confirmation evidence, and rule achievement evidence; After verification is passed and the withholding is successfully executed, the trigger execution certificate is submitted to the blockchain network.

33. A computer device, characterized in that: The computer device comprises: a processor adapted to implement various instructions and a storage device, wherein the storage device stores a plurality of instructions, and the instructions are adapted to be loaded by the processor and execute the method according to any one of claims 22 to 32.

34. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and the computer program is used to execute the method according to any one of claims 22 to 32.

35. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 22 to 32 is implemented.

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