A blockchain-based cross-platform fusion transaction method
By pre-linking personal medical accounts with financial accounts using blockchain technology, and utilizing medical identification cards or electronic vouchers to achieve cross-platform integrated transactions, the inconvenience of multiple payments in internet medical payments is solved, and convenient and secure one-time payment settlement is realized.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- BEIJING BAIYANG CHENGCHUANG PHARM INVESTMENT CO LTD
- Filing Date
- 2023-01-31
- Publication Date
- 2026-05-12
AI Technical Summary
In the process of online medical payment, the inconvenience of payment services caused by multiple payments, especially when the personal medical account limit is insufficient, requires multiple payment channels to make payments in installments.
By pre-linking personal medical accounts with financial accounts using blockchain technology, cross-platform integrated transactions can be achieved using medical identification cards or electronic vouchers. When the medical account is insufficient for payment, the financial account is automatically called to complete a one-time payment settlement.
It enables convenient integration of medical and financial accounts for transactions, allowing users to complete payments in one go, thus improving the convenience and security of payments.
Smart Images
Figure CN116188017B_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of blockchain, and more specifically to a cross-platform integrated transaction method based on blockchain. Background Technology
[0002] In the development of internet healthcare, medical insurance payment has gradually become a bottleneck that needs to be overcome. In daily payments, situations often arise where payments are made in installments. This means that when the payment limit of a single account is insufficient, a portion of the cost needs to be paid first, and then the remaining amount needs to be paid from other accounts. For example, during routine medical treatment and medication purchases, if the individual's current medical account payment limit is insufficient, it is necessary to use a medical identification card and other payment channels for installment payments, such as WeChat, Alipay, bank cards, or cash. This installment payment method introduces inconvenience into the payment service. Summary of the Invention
[0003] To address the problems existing in current technologies, this invention provides a blockchain-based cross-platform integrated transaction method. This method uses blockchain technology for the secure transmission and sharing of payment data, and pre-links personal medical identification cards with personal financial accounts. During the payment process, the medical identification card or electronic medical certificate enables integrated transactions between the personal medical account and financial account. If the personal medical account has insufficient funds after payment, the personal financial account will be used simultaneously to complete the payment settlement in one go, providing a convenient cross-platform hybrid payment method.
[0004] The blockchain-based cross-platform integrated transaction method includes:
[0005] S1. When a user submits a medical payment order, the medical identity authentication module authenticates the user's identity information and synchronizes the user's identity information and payment order information to the settlement blockchain network.
[0006] S2. The medical payment transaction module obtains the user's identity information and payment order information from the settlement blockchain network, and compares the user's medical account limit with the amount to be paid in the payment order information; if the user's medical account limit is lower than the amount to be paid, the paid medical account limit data is synchronously updated to the settlement blockchain network, and a cross-platform transaction request is initiated.
[0007] S3. The bank transaction module retrieves the user's identity information and updated payment order information from the settlement blockchain network, calculates the amount to be paid in the user's bank financial account based on the user's medical account limit and the amount already paid, synchronizes the bank payment amount data to the settlement blockchain network, and finally returns the payment result to the user.
[0008] When a user submits a medical payment order, the medical identity authentication module authenticates the user's identity information, further including:
[0009] The medical identity authentication module verifies and authenticates the user's medical identification card, electronic medical certificate, or facial recognition result.
[0010] Preferably, the step of synchronizing and updating the paid medical account balance data to the settlement blockchain network further includes:
[0011] The user's medical account limit is deducted, and the paid medical account amount in the order information and the updated medical account limit are synchronously updated to the settlement blockchain network.
[0012] Preferably, comparing the user's medical account limit with the amount due in the payment order information further includes:
[0013] If the balance in the personal medical account is not less than the amount to be paid, then the amount to be paid will be deducted directly from the personal medical account.
[0014] Preferably, the step of synchronizing and updating the bank payment amount data to the settlement blockchain network further includes:
[0015] Determine whether the user's bank account has sufficient funds. If the bank account has sufficient funds, the remaining amount to be paid is greater than or equal to the remaining amount to be paid. Then, deduct the remaining amount to be paid from the bank account and return a success message.
[0016] Preferably, the method further includes:
[0017] If the bank's financial account balance is less than the remaining amount to be paid, a failure message will be returned.
[0018] Preferably, returning the payment result to the user further includes:
[0019] The medical identity authentication module reads data from the settlement blockchain network throughout the entire process of access and re-verifies user identity information, payment order information, personal medical account amount, and bank amount information.
[0020] Preferably, the settlement blockchain network matches the user's identity information and medical identification card settlement terminal information with multiple medical account IDs corresponding to the user's medical account and the limit information corresponding to the multiple medical account IDs, and stores the matching results on the distributed ledger of the settlement blockchain network.
[0021] Based on the same inventive concept, the present invention also provides a mobile terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method described above.
[0022] The present invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps of the method described above.
[0023] Compared with the prior art, the beneficial effects of the present invention are as follows:
[0024] This invention provides a blockchain-based cross-platform integrated transaction method that uses only medical identification cards or electronic medical vouchers to achieve integrated transactions between personal medical accounts and financial accounts. When a user initiates a payment request, the medical account is used first for payment. If the personal medical account is insufficient, a financial transaction is initiated with the banking system simultaneously. The entire process of deducting funds from personal medical accounts and financial accounts is realized, allowing users to complete the payment in one go. This is convenient, fast, and provides a convenient and secure hybrid medical payment method. Attached Figure Description
[0025] Figure 1 A schematic diagram of the overall architecture of the blockchain-based cross-platform integrated transaction method according to the present invention is shown.
[0026] Figure 2 This is a flowchart illustrating the overall process of a blockchain-based cross-platform integrated transaction method according to the present invention.
[0027] Figure 3 This is a detailed flowchart illustrating the blockchain-based cross-platform integrated transaction method according to the present invention. Detailed Implementation
[0028] The present invention will be described in detail below with reference to the accompanying drawings through exemplary embodiments. The described embodiments are merely one application scenario of the present invention, and not all of them. All embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative effort are within the scope of protection of the present invention.
[0029] This invention addresses the aforementioned problems in existing technologies by providing a blockchain-based cross-platform integrated transaction method. It utilizes blockchain technology for the secure transmission and sharing of payment data, pre-linking personal medical accounts with personal financial accounts. During the payment process, a medical identification card or electronic medical certificate enables integrated transactions between personal medical accounts and bank financial accounts. If payment is made through the personal medical account but the available balance is insufficient, the personal financial account will be used simultaneously to complete the payment settlement in one transaction, providing a convenient cross-platform integrated payment method.
[0030] See Figure 1 The overall architecture of the blockchain-based cross-platform integrated transaction technology solution mainly involves four modules: medical identity authentication module, medical payment transaction module, bank transaction module, and settlement blockchain network.
[0031] The medical identity authentication module is used to maintain the identity authentication information of all users. When a user initiates a medical payment settlement request, the identity recognition and authentication operation can be performed through technologies such as medical physical cards, medical electronic vouchers, and user facial recognition. The identity authentication and settlement payment order information are synchronized to the settlement blockchain network for use and updating by the blockchain network.
[0032] The medical payment transaction module is used to process personal medical account payment transactions. Based on the user's payment settlement request, it directly processes the payment from the personal medical account. If the personal medical account balance is greater than the amount due in the medical payment order, the payment transaction is processed directly. If the personal medical account balance is insufficient, the balance is first deducted, and a request is sent to the bank transaction module for the remaining amount. After the bank transaction module deducts the payment, it returns the payment result information to the medical payment transaction module, which then feeds back the merged payment result to the user. Finally, the data related to the personal medical account payment is synchronized and updated to the settlement blockchain, synchronizing and updating the user's payment order information.
[0033] The bank transaction module is used to initiate a transaction request to the bank system to deduct the remaining amount from an individual's personal financial account when their personal medical account is insufficient. This deduction operation requires prior authentication of identity information and payment order information via blockchain. Once the identity authentication and payment order information are verified correctly, the payment is deducted from the individual's financial account, and the information is then returned to the medical payment transaction module. The bank transaction module facilitates payment and user data sharing through authorized blockchain nodes.
[0034] The settlement blockchain network ensures the integrity and immutability of data during the fusion transaction process. Payment information and user identity-related information are generated offline off-chain, guaranteeing the security of medical payment and bank payment order information data and the consistency of user fusion transaction amounts. Specifically, the settlement blockchain network matches the user's identity information and medical card settlement terminal information with multiple medical account IDs corresponding to the user's medical account and the limit information corresponding to the multiple medical account IDs, storing the matching results on the distributed ledger of the settlement blockchain network. A settlement request including the user's identity information, medical card settlement terminal information, and transaction information is obtained. The medical account ID corresponding to the identity information contained in the settlement request is retrieved from the distributed ledger, or authorized nodes are allowed to retrieve the medical account ID corresponding to the identity information contained in the settlement request from the distributed ledger. The medical account ID is sent to the medical card settlement terminal included in the medical card settlement terminal information corresponding to the settlement request, or the medical account ID is sent to the medical card settlement terminal included in the medical card settlement terminal information corresponding to the settlement request, thereby enabling the medical card settlement terminal to use multiple medical accounts to pay the total payment amount corresponding to the transaction information; the medical card settlement terminal obtains a final settlement request for settling the total settlement amount of the transaction information using the multiple medical accounts, and broadcasts a consensus request corresponding to the final settlement request to the authorized nodes on the settlement blockchain network, or allows one of the authorized nodes to broadcast the consensus request to other authorized nodes on the settlement blockchain network, thereby enabling the authorized nodes corresponding to multiple medical accounts to authorize the settlement amount according to the consensus request using the limit information corresponding to the medical account ID; when the authorization processing from the authorized node is completed, the payment completion information corresponding to the settlement request is stored in the distributed ledger, or one of the authorized nodes on the settlement blockchain network is allowed to store the payment completion information in the distributed ledger.
[0035] Example 1:
[0036] like Figure 2 As shown, this invention provides a blockchain-based cross-platform integrated transaction method, comprising:
[0037] S1. When a user submits a medical payment order, the medical identity authentication module authenticates the user's identity information and synchronizes the user's identity information and payment order information to the settlement blockchain network.
[0038] S2. The medical payment transaction module obtains the user's identity information and payment order information from the settlement blockchain network, and compares the user's medical account limit with the amount to be paid in the payment order information; if the user's medical account limit is lower than the amount to be paid, the paid medical account limit data and the updated medical account limit are synchronously updated to the settlement blockchain network, and a cross-platform transaction request is initiated.
[0039] S3. The bank transaction module retrieves the user's identity information and updated payment order information from the settlement blockchain network, calculates the amount to be paid in the user's bank financial account based on the user's medical account limit and the amount already paid, synchronizes the bank payment amount data to the settlement blockchain network, and finally returns the payment result to the user.
[0040] The following combination Figure 3 The flowchart shown is for a blockchain-based cross-platform integrated transaction method. The detailed interaction process of the integrated transaction method is described below:
[0041] Step A1: When a user initiates a payment request during the medical treatment process, the medical identity authentication module verifies and authenticates the medical identification card, medical electronic voucher, or user's facial recognition.
[0042] Step A2: After identity authentication through the medical identity authentication module, the user's identity information and payment order information, including the amount to be paid, are synchronously recorded on the settlement blockchain network to ensure data security.
[0043] Step A3: Initiate a request to the medical payment transaction module for integrated payment of personal medical account.
[0044] Step A4: In processing a personal medical account payment request, the medical payment transaction module first accesses the settlement blockchain network and, based on the permissions of the authorized nodes, reads and verifies the user's identity information and payment order amount data.
[0045] Step A5: Through the internal logic of personal medical account payment within the medical payment transaction module, first determine whether the personal medical account balance is sufficient. If the personal medical account balance is greater than or equal to the amount to be paid, the amount is deducted directly. If the balance is less than the amount to be paid, the personal medical account balance is deducted first, and then a cross-platform transaction request is initiated to the bank transaction module. The personal medical account balance deducted by the personal medical account system is synchronously recorded in the settlement blockchain network and shared with the bank transaction system data.
[0046] Step A6: After deducting the personal medical account limit from the personal medical account, calculate the unpaid amount and initiate a cross-platform transaction request to the bank system of the personal linked financial account.
[0047] Step A7: After receiving the remaining payment transaction request, the bank transaction module first needs to access the settlement blockchain network, read data such as user identity, payment order information, and personal medical account amount according to the permissions of the authorized node, and perform security verification and authentication of the above data.
[0048] Step A8: The bank transaction module uses its internal deduction logic to process transaction requests, determining whether the bank's financial account has sufficient funds. If the bank's financial account has sufficient funds (greater than or equal to the remaining amount to be paid), the fee is deducted directly, and a success message is returned; otherwise, if the funds are insufficient, a failure message is returned. The deducted amount is then synchronously recorded on the settlement blockchain network.
[0049] Step A9: Feedback the bank deduction result information to the medical payment transaction module, which will then process the subsequent logic.
[0050] Step A10: The medical identity authentication module reads data from the settlement blockchain network during the entire process of storage and retrieval, and re-verifies information such as user identity information, payment order information, personal medical account amount, and bank amount.
[0051] Step A11: Finally, after successful re-verification, the entire payment result is fed back to the user, and the integrated transaction process ends.
[0052] When authorized nodes process uploaded transaction data, smart contracts can be executed to control shared access to the data. Upon meeting the contract execution trigger conditions, the smart contract automatically executes data access and sharing requests, and performs data output and sharing operations according to predefined constraints.
[0053] After identity verification, authorized nodes in the settlement blockchain obtain a set of aliases and their tokens (Tok) for encrypting data. i , represented as {PUK i SCK i Tok i}, where PUK i SCK i Representing authorized node N respectively i The node receives the public and private keys. The node also receives the index table of the current settlement blockchain's block data storage location.
[0054] Authorized Node N i First, the upload request is sent to the child chain, and the upload request contains the node's currently used token Tok. i and signature Sigi Upon receiving the request, the sub-link verifies the node's request and identity information, confirms its legitimacy, and then responds to the node's upload request using the current public key PUK. i Encrypt transaction data M, add a signature to the encrypted data, and then use a subchain. j PUK public key j The upload record is encrypted to obtain the final upload transaction data, TRANSAN. (Subchain) j Collect the uploaded transaction data, upload it to TRANSAN for verification, and if the data is secure and valid, store it in a block on the subchain.
[0055] Then, subchain j All valid transaction data collected within a preset time period is processed into a transaction data string, represented as {TRANSAN||time}, and then signed. Subchain j Search for valid Proof-of-Work (PoW) to record the current data block.
[0056] Specifically, the subchain is based on a large prime number x and the hash value of the previous block, timestamp, Merkle root value, etc. (denoted as P). data To calculate the hash value of the current block, we need to calculate the hash value that satisfies Hash(x+P). data The difficulty is less than the large prime number x of the given difficulty. Here, Difficulty is a predefined parameter value used to adjust the difficulty of calculating a valid large prime number x from a transaction data string. First, the subchain for the specific large prime number x is calculated. j The current transaction data string and the calculated large prime number x are broadcast to other subchains for verification.
[0057] If all other subchains confirm the validity of the PoW for the large prime number x, then that subchain is authorized to process the transaction data string into a new data block and store it in the settlement blockchain network. Subsequent PoW calculations are then performed based on the new block data.
[0058] In a preferred embodiment, to reduce cross-platform settlements through incremental updates of the settlement blockchain network, a first branch and a second branch can be set up in the settlement blockchain network. The first branch consists of multiple debit blocks, each including a specific balance dataset, which includes the current balance and the medical account ID. The second branch consists of multiple credit blocks, each including multiple credit datasets, where each credit dataset includes the medical account ID, the settlement terminal ID, and the credit limit.
[0059] First, a debit request is received, including the medical account ID, the lender block ID, and the debit amount, wherein the debit amount is less than the credit limit in each credit dataset. Debit metadata is generated, including the medical account ID, the lender block ID, and the debit amount. The generated debit metadata is broadcast to a third-party blockchain associated with the medical account. After a preset period, a notification message is sent to the banking system associated with the lender ID in the selected credit dataset, including the debit amount. The debit block is updated based on the current credit limit and the debit amount, the updated debit block including the medical account ID and the updated credit limit. The generated updated debit block is broadcast to the first-party blockchain. Broadcasting the updated debit block includes generating a new debit block, including a block header and the updated debit block; and sending the generated new debit block to multiple blockchain nodes associated with the first-party blockchain.
[0060] Optionally, after the preset period, the second and third branches are erased. Specifically, this includes sending erase instructions to multiple blockchain nodes associated with the second and third branches to delete the multiple credit blocks in the second branch and the multiple debit blocks in the third branch.
[0061] To make the concept of this invention clearer to those skilled in the art, the following uses the process of purchasing medicine at a pharmacy using WeChat electronic medical vouchers as an example to specifically describe the blockchain-based cross-platform integrated transaction process of this invention through exemplary embodiments. The blockchain-based cross-platform integrated drug transaction method according to this embodiment includes:
[0062] Step B1: The user selects medicine at the pharmacy and initiates a payment request. The medical identity authentication module verifies and authenticates the user's electronic medical certificate or facial recognition.
[0063] Step B2: After identity authentication is completed through the medical identity authentication module, the identity information of the drug purchaser and the drug payment order information, including detailed amount data, are synchronously recorded to the settlement blockchain network.
[0064] Step B3: Initiate a request to the medical payment transaction module for WeChat medical account integrated payment.
[0065] Step B4: The medical payment transaction module processes the request for payment from the WeChat medical account. First, it accesses the settlement blockchain network and, according to the permissions of the authorized node, reads and verifies the user's identity information and the amount of the drug payment order.
[0066] Step B5: The internal WeChat medical account payment logic is processed through the medical payment transaction module. First, it checks if the user's WeChat medical account balance is sufficient. If the balance is greater than or equal to the outstanding drug amount, that amount is deducted directly. If the balance is less than the outstanding drug amount, the balance in the user's personal medical account is deducted first, and then a cross-platform transaction request is initiated. Next, the deducted WeChat medical account balance data is synchronized and recorded in the settlement blockchain network, and the synchronized account data is shared with the WeChat banking transaction system.
[0067] Step B6: After deducting the WeChat Medical Account limit from the WeChat Medical Account, calculate the unpaid amount for the medicine and initiate a cross-platform transaction request to the bank system of the personal linked financial account.
[0068] Step B7: After receiving the remaining payment transaction request, the bank transaction module first needs to access the settlement blockchain network and, according to the permissions of the authorized node, read data such as the identity of the drug purchaser, drug payment order information, and WeChat medical account amount, and perform security verification and authentication of the above data.
[0069] Step B8: The bank transaction module uses its internal deduction logic to process transaction requests, determining whether the WeChat Bank financial account has sufficient funds. If the WeChat Bank financial account has more funds than the remaining amount to be paid for the medicine, the payment is deducted directly, and a payment success message is returned; otherwise, if the funds are insufficient, a payment failure message is returned. The amount deducted from the WeChat Bank account is then synchronously recorded on the settlement blockchain network.
[0070] Step B9: Feedback the WeChat bank deduction result information to the medical payment transaction module, which will then process the subsequent logic.
[0071] Step B10: The medical identity authentication module reads data from the settlement blockchain network during the entire process of storage and retrieval, and re-verifies information such as user identity information, drug payment order information, WeChat medical account amount, and WeChat bank amount.
[0072] Step B11: Finally, after successful re-verification, the entire payment result is fed back to the purchasing user, and the cross-platform integrated drug transaction process ends.
[0073] In the communication authentication process between the bank transaction module and the settlement blockchain network, a preferred embodiment of the present invention provides a timestamp-based blind signature authentication mechanism. After a session is established between the bank transaction module and the settlement blockchain network, the bank transaction module generates a first OTP key, and the settlement blockchain network generates a second OTP key. These generated OTP keys are exchanged with the peer and used for handshaking and signing user identification information and payment order information during encrypted communication. After the session ends, both the first and second OTP keys are deleted to ensure that the user identification information and the updated payment order information cannot be decrypted by a third party.
[0074] During the handshake signature calculation process, if the public key is The private key is The current session's OTP token is Using BLS y (x) indicates that the message x is signed using the key y. Reverse Signature BLS ’ y Process (x) represents the process of designing information x using key y. Therefore, the bank transaction module calculates the handshake signature process as follows:
[0075]
[0076] Then the handshake signature and public key. The handshake signature is sent to the settlement blockchain network. Upon receiving the handshake signature, the settlement blockchain network verifies whether it satisfies the following conditions:
[0077]
[0078] If the conditions are met, i.e., the two are equal, the session is considered valid, and the public key of the bank's transaction module is recorded; if they are not equal, the handshake fails, and the session is terminated.
[0079] Furthermore, a timestamp t is added to the signature mechanism. First, a hash function H is used to combine the timestamp t, user identification information, and payment order information Ψ to calculate a digest, represented as ε. Then, the private key is used... Sign ε to obtain signature ε'. Then, use an OTP token to combine signature ε', information Ψ, and sending timestamp t. Encrypt the data to obtain the encrypted data Ψ'. Send to the settlement blockchain network, where Indicates using private key Encryption algorithms with parameters.
[0080] After receiving the message, the settlement blockchain network uses... The parameters are used to calculate the OTP token, and the encrypted message is decrypted to obtain the identity information and payment order information Ψ, the signature ε', and the sending timestamp t. Then, the timestamp t and the information Ψ are combined using the same hash function H as the bank transaction module to calculate the digest, and the signature is verified. If the verification is correct, the identity information and payment order information Ψ are output.
[0081] During the writing of new block data, when the number of new block data digests in the node's new block cache reaches a preset number, or when the time interval since the last new block construction reaches a preset time, a new block is constructed for any authorized node, including a transaction data string and block attribute information. The block attribute information includes the block attribute digest of the previous block, used to verify whether the block's transaction data string has been tampered with; the previous block is the most recently added existing block. In the settlement blockchain network of this invention, each authorized node has its own sub-chain, and each block in the node's sub-chain is linked by a pointer, i.e., the block attribute digest of the previous block. Consensus blocks that meet the consensus rules are determined from the new blocks generated by the authorized nodes through a consensus algorithm, and these consensus blocks are added to the blockchain.
[0082] To ensure blockchain consistency, the block attribute information also includes an OTP consensus password, which is used in the consensus algorithm to determine the consensus block. Each authorized node, when constructing the transaction data string and block attribute information, changes the block attribute digest of the new block by altering the OTP consensus password. When the first n bits of the block attribute digest of any block are 0 (where n is an adjustable length parameter for generating a new block according to a pre-set parameter), the authorized node broadcasts its newly constructed block as the consensus block to other authorized nodes in the settlement blockchain network. Upon receiving the consensus block broadcast, other authorized nodes stop constructing new blocks and add the consensus block to the blockchain's distributed ledger. After determining the consensus block from the new blocks generated by the authorized nodes, the new block data included in the consensus block is deleted from the new block cache of any authorized node to prevent duplicate block writing.
[0083] The following is a partial explanation of the blockchain authorization code for WeChat medical electronic vouchers involved in the above process:
[0084]
[0085]
[0086]
[0087]
[0088] As can be seen, the blockchain-based cross-platform integrated transaction method of this invention establishes interconnection with both the medical and banking systems simultaneously through a blockchain network. It enables integrated transactions between personal medical accounts and financial accounts using only a medical identification card or electronic medical voucher. When a user initiates a payment request, payment is prioritized through the medical account. If the personal medical account is insufficient, a financial transaction is simultaneously initiated with the banking system, realizing the entire process of deducting funds from both the personal medical account and financial account. Users complete payment in one go, which is convenient and fast, providing a convenient multi-channel hybrid medical payment method. Data transmission is securely encrypted using blockchain technology. User identity data, payment order data, personal medical account payment data, and bank payment data are securely processed throughout the medical identity authentication module, personal medical account payment module, and bank payment module, achieving end-to-end data on-chaining and secure data synchronization. This ensures the security of the entire integrated transaction and ultimately enables users to complete all medical payments with a single card (medical identification card) or a single code (medical electronic voucher code).
[0089] Example 2:
[0090] To implement the above method, the present invention also provides a device for cross-platform integrated transactions based on blockchain, comprising:
[0091] The medical identity authentication module 201 is used to authenticate the user's identity information, including medical identification card, medical electronic voucher or user facial recognition information, when the user submits a medical payment order, and synchronize the user identity information and payment order information to the settlement blockchain network.
[0092] The medical payment transaction module 202 obtains the user's identity information and payment order information from the settlement blockchain network, and compares the user's medical account limit with the amount to be paid in the payment order information; if the user's medical account limit is lower than the amount to be paid, the paid medical account limit data is synchronously updated to the settlement blockchain network, and a cross-platform transaction request is initiated.
[0093] The bank transaction module 203 is used to retrieve the user's identity information and updated payment order information from the settlement blockchain network, calculate the amount to be paid in the user's bank financial account based on the user's medical account limit and the amount already paid, synchronize the bank payment amount data to the settlement blockchain network, and finally return the payment result to the user.
[0094] The functions implemented by each functional module in this embodiment are the same as those in Embodiment 1, and will not be repeated here.
[0095] Example 3:
[0096] The present invention also provides a mobile terminal, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method described above.
[0097] Example 4:
[0098] The present invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps of the method described above.
[0099] Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without inventive effort are within the scope of protection of the present invention.
[0100] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product implemented on a plurality of computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0101] This application is described using flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowcharts and / or block diagrams, and combinations of 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, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowcharts and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.
[0102] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.
[0103] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.
[0104] The above are merely embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention are included within the scope of the claims of the present invention pending approval.
Claims
1. A cross-platform integrated transaction method based on blockchain, characterized in that, The method includes: S1. When a user submits a medical payment order, the medical identity authentication module authenticates the user's identity information and synchronizes the user's identity information and payment order information to the settlement blockchain network. S2. The medical payment transaction module obtains the user's identity information and payment order information from the settlement blockchain network, and compares the user's medical account limit with the amount to be paid in the payment order information; if the user's medical account limit is lower than the amount to be paid, the paid medical account limit data is synchronously updated to the settlement blockchain network, and a cross-platform transaction request is initiated. S3. The bank transaction module retrieves the user's identity information and the updated payment order information from the settlement blockchain network, calculates the amount to be paid in the user's bank financial account based on the user's medical account limit and the amount already paid, synchronizes and updates the bank payment amount data to the settlement blockchain network, and finally returns the payment result to the user. The settlement blockchain network includes a first branch and a second branch. The first branch consists of multiple debit blocks, each of which includes a specific balance dataset. The debit block includes the current balance and the medical account ID. The second branch consists of multiple credit blocks, each of which includes multiple credit datasets. Each credit dataset includes the medical account ID, the settlement terminal ID, and the credit limit. The method further includes: in response to receiving a debit request, generating debit metadata, the debit metadata including a medical account ID, a credit block ID, and a debit amount; broadcasting the debit metadata to a third branch associated with the medical account ID; after a preset period, sending a notification message to a banking system associated with the credit block ID in a selected credit dataset, the notification message including the debit amount; updating the debit block based on the current credit limit and the debit amount, the updated debit block including the medical account ID and the updated credit limit; broadcasting the updated debit block to the first branch; wherein broadcasting the updated debit block includes: generating a new debit block, the new debit block including a block header and the updated debit block; and sending the generated new debit block to multiple blockchain nodes associated with the first branch; after the preset period, sending an erase command to multiple blockchain nodes associated with the second branch and the third branch to delete the multiple credit blocks in the second branch and the multiple debit blocks in the third branch.
2. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, When a user submits a medical payment order, the medical identity authentication module authenticates the user's identity information, further including: The medical identity authentication module verifies and authenticates the user's medical identification card, electronic medical certificate, or facial recognition result.
3. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, The step of synchronizing and updating the paid medical account balance data to the settlement blockchain network further includes: The user's medical account limit is deducted, and the paid medical account amount in the order information and the updated medical account limit are synchronously updated to the settlement blockchain network.
4. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, The comparison of the user's medical account limit with the amount due in the payment order information further includes: If the balance in the personal medical account is not less than the amount to be paid, the amount to be paid will be deducted directly from the personal medical account.
5. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, The step of synchronizing and updating bank payment amount data to the settlement blockchain network further includes: Determine whether the user's bank account has sufficient funds. If the bank account has sufficient funds, the remaining amount to be paid is greater than or equal to the remaining amount to be paid. Then, deduct the remaining amount to be paid from the bank account and return a success message.
6. The blockchain-based cross-platform integrated transaction method according to claim 5, characterized in that, Also includes: If the bank's financial account balance is less than the remaining amount to be paid, a failure message will be returned.
7. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, Returning the payment result to the user further includes: The medical identity authentication module reads data from the settlement blockchain network throughout the entire process of access and re-verifies user identity information, payment order information, personal medical account amount, and bank amount information.
8. The blockchain-based cross-platform integrated transaction method according to claim 1, characterized in that, The settlement blockchain network matches the user's identity information and medical identification card settlement terminal information with multiple medical account IDs corresponding to the user's medical account and the limit information corresponding to the multiple medical account IDs, and stores the matching results on the distributed ledger of the settlement blockchain network.
9. A mobile terminal, characterized in that, It includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the computer program, implements the steps of the method as claimed in any one of claims 1 to 8.
10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the steps of the method as described in any one of claims 1 to 8.