Payment method, device, equipment, storage medium and computer program product

Abstract

The invention relates to a payment method and device, equipment, a storage medium and a computer program product. The method relates to the block chain technology, and comprises the steps that a payment mode creation request triggered by a payment party is received, and the payment mode creation request at least carries payment information required by a target payment mode; in response to the payment mode creation request, creating an automatic payment smart contract corresponding to the target payment mode for the payment party according to the payment information; performing an uplink operation on the automatic payment smart contract, and after the automatic payment smart contract is successfully uplink, creating a payment task about the automatic payment smart contract; and when the payment condition of the payment task is triggered, transferring the digital assets from the digital asset account associated with the payment party to the digital asset account associated with the payment project party. By adopting the method, the payment efficiency can be improved, the payment operation is simplified, the payment safety is enhanced, and the user experience during payment is improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a payment method, apparatus, computer equipment, storage medium and computer program product. Background Art

[0002] With the rapid development and application of computer technology, people can pay for various daily expenses through online payment. For example, third-party payment can provide users with the experience of paying for life service fees online. However, traditional third-party payment requires payment transfers through multiple links to complete the payment. For example, bank transfers require settlement between banks, and third-party payments require the intervention of third-party institutions. These transfer links may increase payment time, payment costs and payment risks. In addition, traditional third-party payment usually requires users to pay manually. For example, users log in to the third-party payment platform to pay. These operations are cumbersome and the user experience is poor. Sometimes users even forget to pay, which affects their daily life and brings inconvenience to users. Summary of the invention

[0003] Based on this, it is necessary to provide a payment method, device, computer equipment, computer-readable storage medium and computer program product to address the above-mentioned technical problems, which can improve payment efficiency, simplify payment operations, enhance payment security and improve user experience during payment.

[0004] In a first aspect, the present application provides a payment method. The method comprises:

[0005] Receive a payment method creation request triggered by a payer, wherein the payment method creation request carries at least payment information required by a target payment method, and the payment information includes at least a payment item party;

[0006] In response to the payment method creation request, create an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information;

[0007] Sending the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract in the blockchain after the consensus is reached; wherein the blockchain network includes a payer node, a payment service node and a payment item node corresponding to the payer;

[0008] After the automatic payment smart contract is successfully uploaded to the blockchain, a payment task for the automatic payment smart contract is created;

[0009] When the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party.

[0010] In a second aspect, the present application also provides a payment device. The device comprises:

[0011] A receiving module, configured to receive a payment method creation request triggered by a payer, wherein the payment method creation request carries at least payment information required by a target payment method, wherein the payment information includes at least a payment item party;

[0012] A smart contract creation module, configured to respond to the payment method creation request and create an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information;

[0013] The on-chain module is used to send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is reached; wherein the blockchain network includes a payer node, a payment service node and a payment item node corresponding to the payer;

[0014] A payment task creation module, used to create a payment task for the automatic payment smart contract after the automatic payment smart contract is successfully uploaded to the chain;

[0015] The transfer module is used to transfer the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment project party when the payment condition of the payment task is triggered.

[0016] In one embodiment, the payment device further comprises:

[0017] An identity authentication module, used to notify the payer to conduct identity verification;

[0018] Receiving identity verification information from the payer;

[0019] Performing identity verification according to the identity verification information;

[0020] The smart contract creation module is used to perform a chain operation on the automatic payment smart contract after the identity verification is passed.

[0021] In one embodiment, the payment device further comprises:

[0022] A recording module is used to store the automatic payment smart contract in the payment platform database; record in the payment platform database that the automatic payment smart contract is in an ineffective state; after the automatic payment smart contract is successfully uploaded to the chain, modify the state of the automatic payment smart contract recorded in the payment platform database to an effective state.

[0023] In one embodiment, the target payment method is a periodic payment method, and the payment information required for the periodic payment method includes at least the digital asset account associated with the payee, the digital asset account associated with the payment item, the payment date and the payment value; or, the target payment method is a threshold payment method, and the payment information required for the threshold payment method includes at least the digital asset account associated with the payee, the digital asset account associated with the payment item, the payment threshold and the payment value.

[0024] In one embodiment, the on-chain module is also used to create the data to be on-chain of the automatic payment smart contract, and the data to be on-chain carries the digital certificate and digital signature of the payment service node, and the digital signature is obtained by encrypting the data to be on-chain using the private key in the digital certificate of the payment service node; the data to be on-chain is broadcast to the blockchain network, so that other nodes in the blockchain network except the payment service node receive the data to be on-chain, and verify the digital certificate and digital signature carried by the data to be on-chain. After the verification is successful, the data to be on-chain is filled into a new block, and the new block is appended to the end of the blockchain.

[0025] In one embodiment, the on-chain module is also used to generate the asset transfer record of this time; generate the data to be on-chain about the asset transfer record; send the data to be on-chain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be on-chain in the blockchain network, and store the data to be on-chain in the blockchain after the consensus is passed; wherein the blockchain network includes the payer node, the payment service node and the payment project node.

[0026] In one embodiment, the payment device further comprises:

[0027] A record module, used to store the asset transfer record of the payer in the payment platform database;

[0028] Notification module, used to send a notification of successful payment to the payer;

[0029] The query module is used to receive a query request from a payer regarding the asset transfer record; in response to the query request, the corresponding asset transfer record is pulled from the payment platform database and fed back to the payer.

[0030] In one embodiment, the transfer module is also used to query the current digital asset balance value of the digital asset account associated with the payer when the payment condition of the payment task is triggered; if the digital asset balance value is greater than or equal to the payment value corresponding to the payment task, then the digital assets of the payment value are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as turned on, then after automatically recharging the digital asset account associated with the payer from the resource account bound to the payer, the digital assets of the payment value are transferred from the digital asset account to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as not turned on, it is determined that the payment has failed.

[0031] In one embodiment, the payment device further comprises:

[0032] An association module, configured to receive an account association request from the payee, wherein the account association request carries a digital asset account; and in response to the account association request, associate the payee with the digital asset account;

[0033] The binding module is used to receive an account binding request from the payer, wherein the account binding request carries a resource account; and in response to the account binding request, bind the digital asset account to the resource account.

[0034] In one embodiment, the payment device further comprises:

[0035] A modification module is used to receive a payment method modification request from the payer, wherein the payment method modification request carries at least modification information; in response to the payment method modification request, the automatic payment smart contract is updated for the payer according to the modification information, and the updated automatic payment smart contract is put on the chain, and after the updated automatic payment smart contract is successfully put on the chain, the payment task is updated; the updated automatic payment smart contract is stored in the payment platform database, and the updated automatic payment smart contract is recorded in the payment platform database as being in effect.

[0036] In one embodiment, the on-chain module is also used to generate a record of the payment method modification; generate data to be on-chain regarding the payment method modification record; send the data to be on-chain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be on-chain in the blockchain network, and store the data to be on-chain in the blockchain after the consensus is passed; wherein the blockchain network includes a payer node, a payment service node and a payment project node.

[0037] In a third aspect, the present application further provides a computer device, wherein the computer device comprises a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the steps of the above-mentioned payment method are implemented.

[0038] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, and the computer program implements the steps of the above-mentioned payment method when executed by a processor.

[0039] In a fifth aspect, the present application further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned payment method are implemented.

[0040] The above-mentioned payment method, device, computer equipment, storage medium and computer program product receive a payment method creation request triggered by the payer, and the payment method creation request carries at least the payment information required for the target payment method, such as the payment project party, in response to the payment method creation request, creates an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information, and sends the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract to the blockchain after the consensus is passed. The blockchain network includes the payer node, payment service node and payment project party node corresponding to the payer. After the automatic payment smart contract is successfully uploaded to the chain, a payment task for the automatic payment smart contract is created. When the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party. Users can choose the payment method as needed and realize automated payment by using digital assets and payment smart contracts, avoiding the transfer of third-party payment methods and the need for manual payment, thereby improving payment efficiency. Moreover, the automated payment method based on smart contracts and digital assets is highly real-time, secure, and transparent, which can effectively enhance payment security and avoid payment disputes. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1An application environment diagram of a payment method in an embodiment;

[0042] Figure 2 A diagram showing an application environment of a payment method in another embodiment;

[0043] Figure 3 A schematic diagram of a payment method in one embodiment;

[0044] Figure 4 A schematic diagram of various functions provided by a payment platform in one embodiment;

[0045] Figure 5 A schematic diagram of various services provided by a payment platform in one embodiment;

[0046] Figure 6 is an overall flow chart of a payment method in one embodiment;

[0047] Figure 7 is an application timing diagram of a payment method in an embodiment;

[0048] Figure 8 A schematic diagram of a payment method in a specific embodiment;

[0049] Fig. 9 is a structural block diagram of a payment device in an embodiment;

[0050] Fig.10 is an internal structure diagram of a computer device in one embodiment;

[0051] Fig.11 FIG. 4 is a diagram showing the internal structure of a computer device in another embodiment. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] Blockchain is an encrypted, chained transaction storage structure formed by blocks. Blockchain network is a collection of nodes that incorporate new blocks into the blockchain through consensus. In the embodiment of the present application, the blockchain network mainly includes payer nodes, payment service nodes and payment project nodes. Smart contracts, also known as chaincodes or application codes, are programs deployed in the nodes of the blockchain network. In the embodiment of the present application, the payment server retrieves the payer's automatic payment smart contract from the payment service node to create a payment task, or, as a payment server, the payment service node creates a payment task based on the automatic payment smart contract. Consensus is a process in the blockchain network, which is used to reach an agreement on the transactions in the block (data to be uploaded to the chain) among the multiple nodes involved. The agreed blocks will be appended to the end of the blockchain. The mechanisms for achieving consensus include Proof of Work (PoW), Proof of Stake (PoS), Delegated Proof-of-Stake (DPoS), Proof of Elapsed Time (PoET), etc.

[0054] Digital assets are digitized legal tender, which are held and managed through digital wallets. They use a variety of security technologies, including encryption algorithms, distributed ledger technology, smart contracts, etc., to ensure the security and privacy of digital asset transactions. Digital asset accounts can be generated by registering on the digital asset platform.

[0055] The payment method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown, the terminal 102 used by the payer communicates with the server 104 (such as the payment server) through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or placed on the cloud or other servers. In one embodiment, the payment method provided in the embodiment of the present application can be executed by the server 104. Specifically, the server 104 receives a payment method creation request triggered by the payer through the terminal 102. The payment method creation request carries at least the payment information required for the target payment method. The server 104 responds to the payment method creation request and creates an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information; the server 104 sends the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract to the blockchain after the consensus is passed. The blockchain network includes a payer node, a payment service node and a payment project party node corresponding to the payer. After the automatic payment smart contract is successfully uploaded to the chain, a payment task for the automatic payment smart contract is created; when the payment condition of the payment task is triggered, the server 104 transfers the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment project party.

[0056] like Figure 2 As shown, the payment method provided in the embodiment of the present application can also be applied to Figure 2 In the application environment shown, optionally, the server 104 sends the automatic payment smart contract to the payment service node N1062 in the blockchain network 106, so that the payment service node N1062 can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is passed; the blockchain network includes the payer node N1064, the payment service node N1062 and the payment project node N1066.

[0057] Among them, the terminal 102 used by the payer can communicate with the payer node N1064 in the blockchain network after passing the authority authentication. For example, the terminal 102 can communicate with the payer node N1064 to verify the identity of the payer. The payment server 104 can communicate with the payment service node N1062 in the blockchain network after passing the authority authentication. For example, the server 104 can send the automatic payment smart contract to the payment service node N1062 in the blockchain network 106. In addition, in other embodiments, the server 104 and the payment service node N1062 in the blockchain network can be the same server. The payment project party server 108 can communicate with the payment project party node N1066 in the blockchain network. For example, the payment project party server 108 can download the asset transfer record of the payer from the payment project party node N1066, so as to query the payment record of the payer. In addition, in other embodiments, the payment project party server 108 and the payment project party node N1066 in the blockchain network can be the same server.

[0058] The terminal 102 mentioned above may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices and portable wearable devices. IoT devices may be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices may be smart watches, smart bracelets, head-mounted devices, etc. The above-mentioned servers or nodes in the blockchain network may be implemented using independent servers or server clusters consisting of multiple servers.

[0059] In one embodiment, Figure 3 As shown, a payment method is provided, which is applied to Figure 1 The payment server 104 in the example is used as an example to illustrate, including the following steps:

[0060] Step 302: receiving a payment method creation request triggered by the payer, where the payment method creation request carries at least the payment information required by the target payment method.

[0061] Among them, the payee is used to identify the identity of the payee. The payee can register his / her own platform account on the payment platform, and the platform account is used to represent the payee, that is, the payee. After logging into the payment platform through the terminal, the payee can trigger a payment method creation request through the payee with the identity identified. The payment platform can provide payment services to the payee in the form of a client, web page, public account or mini program, and the embodiments of the present application are not limited to this.

[0062] The payment method creation request is a request for creating a corresponding automatic payment method for the payer. There are many automatic payment methods, such as regular payment method, threshold payment method, etc. The payer can select one of the target payment methods as his automatic payment method, so that the payment server can automatically pay according to the target payment method in the future. The regular payment method refers to automatic payment according to the set payment value on a specified date, and the threshold payment method refers to automatic payment according to the set payment value when the payment balance of the payer is lower than the payment threshold. Therefore, the payment information and payment conditions required for different payment methods are slightly different. For example, the payment information required for the regular payment method at least includes the digital asset account associated with the payer, the payment project party, the digital asset account associated with the payment project party, the payment date and the payment value, and the payment information required for the threshold payment method at least includes the digital asset account associated with the payer, the payment project party, the digital asset account associated with the payment project party, the payment threshold and the payment value. The payment method creation request carries the payment information required by the target payment method, and may also carry the payment item type, such as water charges, electricity charges, gas charges, gasoline charges, parking fees, property fees, heating fees, etc. The payment server can determine the corresponding payment item party based on the payment item type, as well as the digital asset account associated with the payment item party.

[0063] In some embodiments, the terminal can respond to the operation of the paying user, and after obtaining the payment item type and target payment method selected by the paying user, prompt the paying user to enter the payment information required for the target payment method. After the paying user completes the input, the terminal obtains the payment information required for the target payment method, generates a payment method creation request based on the payment item type, the target payment method and the payment information required for the target payment method, sends the payment method creation request to the payment server, and the payment server receives the payment method creation request and obtains the payment information required for the target payment method.

[0064] In some embodiments, the terminal can respond to the operation of the paying user. After obtaining the payment item type and target payment method selected by the paying user, the payment server can provide the payment information template required for the target payment method for the paying user to choose. The paying user can select the target payment information template from multiple payment information templates. The payment information provided in the target payment information template is the payment information required for the target payment method. By providing the payment information template, it can help users quickly create an automatic payment method and provide user experience. Optionally, the paying user can also modify and customize part of the payment information in the target payment information template through the terminal, and obtain the payment information required for the target payment method after saving. The terminal generates a payment method creation request based on the payment item type, the target payment method and the payment information required for the target payment method, and sends the payment method creation request to the payment server. The payment server receives the payment method creation request and obtains the payment information required for the target payment method.

[0065] like Figure 4 FIG. 1 is a schematic diagram of various functions provided by a payment platform in an embodiment. Figure 4 Before the paying user logs in to the payment platform through the terminal, he needs to register first. Specifically, the paying user needs to use a mobile phone number or email to register an account, that is, the payee, to identify the identity of the paying user. After that, he can use the registered account to log in to the payment platform and use the various functions provided by the payment platform based on digital assets and smart contracts. After logging in to the payment platform with a registered account, the login state here corresponds to the payee who identifies the paying user. The paying user can modify and improve personal information based on the currently logged in payee. The paying user can also perform identity authentication. For example, before the paying user uses the various functions provided by the payment platform based on digital assets and smart contracts through the terminal, the real-name identity authentication is also required. Optionally, the paying user can also bind a digital asset account for the currently logged in payee. Account authentication is required during the binding process. The automatic payment function based on the smart contract can be used only after the authentication is passed. Optionally, after logging into the payment platform through the payer and completing real-name authentication, the paying user can create an automatic payment method, edit the payment information required for the automatic payment method, view the created automatic payment method, query historical payment bills, etc.

[0066] like Figure 5 FIG. 1 is a schematic diagram of various services provided by a payment platform in an embodiment. Figure 5When the payment server receives a registration request from a paying user, it will add user information and support querying and updating user information. When receiving a login request from a paying user, it will verify the user's password. When receiving a request to create an automatic payment method from a paying user, the identity information will be verified. After verification, an automatic payment smart contract will be created for the paying user and an automatic payment method will be added for the paying user. The payment server also supports the paying user to modify the automatic payment method and query the automatic payment method through the terminal. The payment server also supports automatic payment based on the payer's automatic payment smart contract, and after successful payment, it will send a payment success notification to the paying user and update the payment status. It also supports the paying user to query the payer's historical payment records, that is, asset transfer records, through the terminal.

[0067] Step 304, in response to the payment method creation request, an automatic payment smart contract corresponding to the target payment method is created for the payer based on the payment information.

[0068] Among them, the automatic payment smart contract is a program deployed in the nodes of the blockchain network to realize automatic payment for the payer. It is the basis and certificate for automatic payment, which can ensure the security of automatic payment and avoid possible payment disputes. The payment server creates a request based on the payment method received, obtains the payment information required for the target payment method, and creates a corresponding automatic payment smart contract for the payer based on the payment information.

[0069] Step 306, sending the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is reached. The blockchain network includes the payee node, payment service node and payment project node corresponding to the payee;

[0070] Step 308: After the automatic payment smart contract is successfully uploaded to the chain, a payment task for the automatic payment smart contract is created.

[0071] In order for the automatic payment smart contract to take effect, the payment server also needs to perform the chain operation on the automatic payment smart contract. The successful chaining of the automatic payment smart contract means that the automatic payment smart contract has been confirmed and recognized by all parties involved in the automatic payment. Optionally, the payment server can send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is passed; wherein the blockchain network includes the payer node, the payment service node and the payment project node.

[0072] Specifically, after receiving the automatic payment smart contract, the payment service node in the blockchain network can generate a transaction (data to be uploaded) for creating the automatic payment smart contract. The transaction also carries the digital certificate of the payment service node and the signed digital signature (the digital signature can be obtained by encrypting the summary of the transaction using the private key in the digital certificate of the payment service node), and broadcasts the transaction to the consensus node in the blockchain network (which can be the payee node) or other nodes in the blockchain network except the payment service node. When the consensus node or other nodes of the blockchain network receive the transaction, they verify the digital certificate and digital signature carried by the transaction. After successful verification, they sign the consensus node's own digital signature (the digital signature can be obtained by encrypting the summary of the transaction using the private key in the digital certificate of the consensus node), and continue to broadcast the successfully verified transaction in the blockchain network. After receiving the successfully verified transaction, other nodes in the blockchain network fill the transaction into a new block. When broadcasting a new block, the consensus node and other nodes in the blockchain network will conduct a consensus process on the new block. If the consensus is successful, the new block will be appended to the end of the blockchain stored by itself.

[0073] Optionally, the payment service node can also feed back the notification about the successful on-chain transaction to the payment server, and the payment server will update the status of the automatic payment smart contract recorded in the database, and create a corresponding payment task to execute the automatic payment method indicated by the exchange in the new block. For example, the automatic payment method indicated by the exchange in the new block is a regular payment method, and the payment information indicated includes: the payment date is the 1st of each month, the payment value is 100, and the payment item is the electricity fee. The payment server can create a payment task according to the above information, and the payment task automatically transfers 100 from the digital asset account associated with the payer to the digital asset account associated with the electricity fee collector on the 1st of each month. Accordingly, the payment condition is that the current date is the 1st of the month.

[0074] The blockchain network involved in the embodiment of the present application is described. Figure 2In the blockchain network shown, the computer devices under the jurisdiction of the payer, the payment service provider, and the payment project party can access the blockchain network after obtaining authorization, thereby becoming nodes in the blockchain network, such as the payer node, the payment service provider node, and the payment project party node. Optionally, the payer node can be a terminal used by the paying user, that is, the terminal used by each paying user can access the blockchain network as a payer node. Optionally, the payer node can be a public, reliable computer device that supports communication with all paying user terminals, that is, each payer needs to access the blockchain network through a common payer node, and the payer node can be other channels other than the payment platform. The payment service provider node can be an authorized server under the jurisdiction of the payment platform. The payment project party node can be an authorized server under the jurisdiction of the fee collector.

[0075] Optionally, the payer node and the payment project node can only serve as observers in the blockchain network, that is, they can provide support for the payer to initiate transaction queries and support the payment project to pass in the amount to be paid. As for the functions of the consensus node of the blockchain network, such as sorting, consensus services and account book functions, these nodes can be default. Alternatively, the payer node, the payment project node and the payment service node can all receive transaction data and initiate transaction consensus. In other words, the consensus node that initiates consensus in the blockchain network can be any node. The consensus node receives transactions submitted by different entities, executes transactions to update the account book or query the account book, and various intermediate results or final results of the transaction can be returned to other nodes.

[0076] In one embodiment, after creating an automatic payment smart contract corresponding to the target payment method for the payer based on the payment information, it also includes: storing the automatic payment smart contract in the payment platform database; recording in the payment platform database that the automatic payment smart contract is in an ineffective state; after the automatic payment smart contract is successfully uploaded to the chain, modifying the status of the automatic payment smart contract recorded in the payment platform database to an effective state.

[0077] In this embodiment, in order to facilitate the terminal to query the payment method it created in a timely manner, the payment server can also record the initialized automatic payment smart contract in the payment platform database, and record the status as ineffective. After the chain is successfully uploaded, the status of the automatic payment smart contract is modified to an effective state, which can facilitate subsequent direct query of relevant information of the automatic payment method created by the terminal from the payment platform database.

[0078] Optionally, after logging into the payment platform, the terminal can request the payment server to query its payment method. The payment server can query the corresponding automatic payment smart contract from the payment platform database. If the corresponding automatic payment smart contract is in effect, the payment server obtains the corresponding payment information based on the automatic payment smart contract and then feeds it back to the terminal. If the corresponding automatic payment smart contract is in an ineffective or invalid state, the payment server feeds back the corresponding prompt information. In order to ensure the security of the payment platform database and the data cannot be tampered with, the payment server needs to access the payment platform database through interface signatures and other methods, and encrypt sensitive information for transmission.

[0079] In one embodiment, after creating an automatic payment smart contract corresponding to the target payment method for the payer based on the payment information, it also includes: notifying the payer to perform identity verification; receiving identity verification information from the payer; performing identity verification based on the identity verification information, and after the identity verification is passed, executing the step of performing the chain operation on the automatic payment smart contract.

[0080] Specifically, identity verification is used to verify the identity information of the subject who initiated the on-chain request. After the payment server creates the automatic payment smart contract corresponding to the target payment method for the payer based on the payment information, it notifies the payer to conduct identity verification, such as real-time face recognition, password verification, etc. If the identity verification passes, that is, the identity information is correctly matched, the steps of on-chain operation of the automatic payment smart contract are executed, which can ensure that the operation of creating the automatic payment method is initiated by the payer himself, ensuring the security of automatic payment.

[0081] Step 310, when the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party.

[0082] Specifically, when the payment condition of the payment task is triggered, the payment server transfers the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment project party. Among them, the payment project party is used to identify the identity of the payment project. The payment project party belongs to an account extended by the payment platform. When the payer selects the corresponding target payment method for a payment project, the payment server can automatically determine the corresponding payment project party based on the payment project selected by the payer. In other words, the information required to create the corresponding automatic payment smart contract for the payer also includes the payment project and the payment project party.

[0083] like Figure 6 FIG. 1 is a general flow chart of a payment method in an embodiment. Figure 6 The main operation process for paying users on the platform is as follows:

[0084] 1. Registration, login, real-name authentication, and linking of digital asset accounts by paying users;

[0085] 2. Create an automatic payment method: When a payment user creates an automatic payment method, he can choose the payment information template required for a certain automatic payment method provided by the payment platform, and he can also modify the template and customize the payment information.

[0086] 3. Automatic Payment Smart Contract: When the automatic payment smart contract takes effect, if the payment conditions are met, the payment platform will automatically perform the payment operation according to the automatic payment smart contract, and transfer the digital asset account associated with the payee to the digital asset account of the payment project party.

[0087] 4. Send a payment success notification to the user: After the payment is successful, the payment platform will send a payment success notification to the terminal where the payer is logged in.

[0088] 5. Payment bill inquiry: Payers can check the real-time payment status and historical payment bills on the payment platform.

[0089] In the above payment method, a payment method creation request triggered by the payer is received, and the payment method creation request carries at least the payment information required for the target payment method, such as the payment project party, in response to the payment method creation request, creates an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information, and sends the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract to the blockchain after the consensus is passed. The blockchain network includes the payer node, payment service node and payment project party node corresponding to the payer. After the automatic payment smart contract is successfully uploaded to the chain, a payment task for the automatic payment smart contract is created. When the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party. Users can choose the payment method as needed and realize automated payment by using digital assets and payment smart contracts, avoiding the transfer of third-party payment methods and the need for manual payment, thereby improving payment efficiency. Moreover, the automated payment method based on smart contracts and digital assets is highly real-time, secure, and transparent, which can effectively enhance payment security and avoid payment disputes.

[0090] In some embodiments, after transferring digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment item account, it also includes: generating a record of the asset transfer this time; generating data to be uploaded to the chain regarding the asset transfer record; sending the data to be uploaded to the chain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded to the chain in the blockchain network, and store the data to be uploaded to the blockchain after the consensus is passed.

[0091] After the payment server transfers the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment item account, it can also combine blockchain technology to store the asset transfer record in the blockchain network, so that when the terminal obtains the payment record of the payer, it can directly obtain the payment record from the blockchain network. The payment record cannot be tampered with, thereby ensuring the legitimate rights and interests of the payer.

[0092] Specifically, after the payment server transfers the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment item account, it generates a record of this asset transfer, including information such as payment time, payment item party, payment item, payment value, etc., generates data to be uploaded to the chain based on the asset transfer record, that is, a transaction for storing the asset transfer record, and sends the generated data to be uploaded to the chain to the payment service node of the blockchain network, so that the payment service node, the payer node, and the payment item node can store the data to be uploaded to the blockchain after reaching consensus on the transaction.

[0093] Optionally, the data to be uploaded to the chain generated by the payment service node based on the asset transfer record also carries the digital certificate and signed digital signature of the payment service node, and broadcasts the transaction to the consensus node in the blockchain network. When the consensus node of the blockchain network receives the data to be uploaded to the chain, it verifies the digital certificate and digital signature carried by the data to be uploaded to the chain. After the verification is successful, it signs the consensus node's own digital signature and continues to broadcast the successfully verified data to be uploaded to the chain in the blockchain network. After other nodes in the blockchain network receive the successfully verified data to be uploaded to the chain, they fill the data to be uploaded to the chain into a new block.

[0094] In some embodiments, after the data to be uploaded is stored in the blockchain, it also includes: storing the payer's asset transfer record in the payment platform database; sending a notification of successful payment to the payer; receiving the payer's query request for the asset transfer record; and in response to the query request, pulling the corresponding asset transfer record from the payment platform database and feeding it back to the payer.

[0095] In this embodiment, when the data to be uploaded to the chain corresponding to the asset transfer record is uploaded successfully, the payment server can store the asset transfer record of the payer in the payment platform database. The terminal used by the payer can query the payment record from the payment server. When the payment server receives the payment record query request sent by the terminal, the payment server can directly query the corresponding asset transfer record from the payment platform database and feedback to the terminal.

[0096] Optionally, the terminal used by the paying user can query the payment record from the payment server. When the payment server receives the payment record query request sent by the terminal, the payment server can download and query the corresponding asset transfer record from the blockchain according to its own digital certificate, and feedback to the terminal.

[0097] Optionally, the terminal used by the payer can query the payment record from the payer node. When the payer node receives the payment record query request sent by the terminal, the payer node can download and query the corresponding asset transfer record from the blockchain according to its own digital certificate, and feedback to the terminal.

[0098] In the above embodiment, while providing an automatic payment method for the paying user, the paying user can also query his or her payment record at any time. By combining the automatic payment smart contract with the blockchain, the payment record cannot be tampered with, thereby ensuring the security of the digital assets of the paying user who chooses the automatic payment method.

[0099] In some embodiments, when the payment condition of the payment task is triggered, digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party, including: when the payment condition of the payment task is triggered, query the current digital asset balance value of the digital asset account associated with the payer; if the digital asset balance value is greater than or equal to the payment value corresponding to the payment task, then transfer the digital assets of the payment value from the digital asset account associated with the payer to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as turned on, then after automatically recharging the digital asset account associated with the payer from the resource account bound to the payer, the digital assets of the payment value are transferred from the digital asset account to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as not turned on, it is determined that the payment has failed.

[0100] Specifically, when the payment condition is triggered, the payment server will automatically perform the payment operation, transferring the digital assets of the payment value from the digital asset account associated with the payee to the digital asset account associated with the payment project. Prior to this, the payment server will compare the digital asset balance value X in the digital asset account associated with the payee and the payment value Y of this payment. If the digital asset balance value X is less than the payment value Y of this payment, and the payer has set to automatically recharge from the resource account (such as a bound bank account), the payment server will first transfer the digital assets from the resource account (the transfer amount can be a set value or YX) to the digital asset account associated with the payee, and then transfer the digital assets of the payment value from the digital asset account to the digital asset account associated with the payment project. If the digital asset balance value X is greater than or equal to the payment value Y of this payment, the payment server can directly transfer the digital assets of the payment value from the digital asset account to the digital asset account associated with the payment project. If the digital asset balance value X is less than the payment value Y for this payment, and the payer has not set automatic recharge from the resource account, the payment will fail.

[0101] In this embodiment, the user can set up the automatic recharge function through the automatic payment method created for himself, which can avoid the cumbersome operation caused by payment failure when the balance of the digital asset account is insufficient and can only be recharged manually, thereby improving the user experience when paying.

[0102] In some embodiments, before receiving a payment method creation request triggered by a payer, it also includes: receiving an account association request from the payer, the account association request carries a digital asset account; in response to the account association request, associating the payer with the digital asset account; receiving an account binding request from the payer, the account binding request carries a resource account; in response to the account binding request, binding the digital asset account with the resource account.

[0103] In this embodiment, before creating an automatic payment method, the paying user can associate his or her digital asset account on the payment platform and bind the corresponding resource account to the digital asset account, so that the paying user can use the automatic payment function and the automatic recharge function.

[0104] In some embodiments, a payment method modification request is received from the payer, and the payment method modification request carries at least modification information; in response to the payment method modification request, the automatic payment smart contract is updated for the payer according to the modification information, and the updated automatic payment smart contract is uploaded to the chain, and after the updated automatic payment smart contract is successfully uploaded to the chain, the payment task is updated; the updated automatic payment smart contract is stored in the payment platform database, and the updated automatic payment smart contract is recorded in the payment platform database as being in effect.

[0105] In this embodiment, if an automatic payment method has been created for the paying user, the paying user can also be supported to modify the automatic payment smart contract, such as the paying user can modify the automatic payment method, payment date, payment value, etc. After submitting the modification, the server will update the automatic payment smart contract according to the modified automatic payment method or payment information. The updated automatic payment smart contract will be re-chained and recorded to the blockchain after verifying the user's identity information. In this way, the paying user can change the automatic payment method according to actual needs, and after the modification, whether it is the previous automatic payment smart contract or the updated automatic payment smart contract, it will be recorded in the book, which can avoid the risk of disputes over automatic payment.

[0106] In some embodiments, a record of the modification of the payment method is generated; data to be uploaded to the chain regarding the modification record of the payment method is generated; the data to be uploaded to the chain is sent to a payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded to the chain in the blockchain network, and after the consensus is passed, the data to be uploaded to the chain is stored in the blockchain.

[0107] like Figure 7 , which is a timing diagram of a payment method based on digital assets and an automatic payment smart contract in one embodiment. Figure 7 The timing diagram involves the payer, the payment project party and the payment platform, and the payment method involved includes the following steps:

[0108] 1. As the payer, the payer creates an automatic payment method on the payment platform through the terminal. If the periodic payment method is selected, the payment frequency (or payment date) and the payment value of each payment need to be filled in. If the threshold payment method is selected, the payment threshold and the payment value of each payment need to be filled in. The payment project party is the merchant expanded by the payment platform. The payment platform will automatically specify the payment project type and payment project party name selected by the payer, and the user does not need to fill it in by himself.

[0109] 2. The payer clicks to confirm the creation of the automatic payment method. The payment platform receives the payment method creation request and prompts the payer to perform face recognition.

[0110] 3. The paying user performs facial authentication, and the payment platform compares the facial identity information. After confirming that it is the person himself, it creates a record of the automatic payment method. This record contains the automatic payment smart contract, that is, detailed information related to the automatic payment method. The status of the automatic payment smart contract is uninitialized, that is, it is not effective.

[0111] 4. The payment platform stores the automatic payment smart contract in the blockchain and sets the status of the automatic payment plan to effective.

[0112] 5. The automatic payment smart contract takes effect. The payment platform creates a payment task based on the automatic payment smart contract. If the automatic payment method is a periodic payment method, the trigger time, payment value, and digital asset accounts associated with both parties are set for the payment task. If the automatic payment method is a threshold payment method, a high-frequency monitoring of the account balance (such as minute-level monitoring) is set for the payment task. When the balance is less than the payment threshold, the payment operation is automatically triggered and the payment value is set.

[0113] 6. The payment platform sends a notification to the paying user that the automatic payment method has taken effect.

[0114] 7. During the payment task, whenever the payment conditions in the automatic payment smart contract are met, the payment platform will transfer the funds from the digital asset account associated with the payee to the digital asset account associated with the payment project party according to the information indicated by the payment method.

[0115] 8. Before making a transfer, the payment platform will confirm whether the balance Y of the digital asset account associated with the payee is sufficient. If it is not enough to complete the payment, the payment platform will check whether the payee has activated the automatic recharge function of the digital asset account. If it has been activated, the resource account (such as a bank card account) bound to the digital asset account associated with the payee will be recharged to the digital asset account associated with the payee. If the balance of the bound resource account is insufficient, the payment will be set as a payment failure. If the balance of the digital asset account associated with the payee is insufficient and the automatic recharge function is not activated, the payment will be set as a payment failure. If the balance of the digital asset account associated with the payee is sufficient, a normal transfer can be made.

[0116] 9. If the transfer is successful, the payment platform will send a notification of successful payment to both parties of the transaction. The payer can view the detailed information of the payment bill in the payer's page.

[0117] like Figure 8 FIG. 1 is a flowchart of a payment method in a specific embodiment. The method is executed by a payment server and specifically includes the following steps:

[0118] Step 802: receiving an account association request from the payer, where the account association request carries a digital asset account;

[0119] Step 804, in response to the account association request, associating the payee with the digital asset account;

[0120] Step 806, receiving an account binding request from the payer, where the account binding request carries a resource account;

[0121] Step 808, in response to the account binding request, binding the digital asset account with the resource account;

[0122] Step 810: receiving a payment method creation request triggered by the payer, where the payment method creation request carries at least the payment information required by the target payment method.

[0123] Among them, the target payment method is the periodic payment method, and the payment information required for the periodic payment method at least includes the digital asset account associated with the payee, the digital asset account associated with the payment project party, the payment date and the payment amount; or, the target payment method is the threshold payment method, and the payment information required for the threshold payment method at least includes the digital asset account associated with the payee, the digital asset account associated with the payment project party, the payment threshold and the payment amount.

[0124] Step 812, in response to the payment method creation request, an automatic payment smart contract corresponding to the target payment method is created for the payer based on the payment information.

[0125] Step 814, storing the automatic payment smart contract in the payment platform database, and recording in the payment platform database that the automatic payment smart contract is in an ineffective state.

[0126] Step 816, notify the payer to conduct identity verification, and receive identity verification information from the payer.

[0127] Step 818, perform identity verification based on the identity verification information. After the identity verification is passed, send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is passed.

[0128] Among them, the blockchain network includes payer nodes, payment service nodes and payment project nodes.

[0129] Step 820, after the automatic payment smart contract is successfully uploaded to the chain, the status of the automatic payment smart contract recorded in the payment platform database is modified to an effective status, and a payment task for the automatic payment smart contract is created.

[0130] Step 822: When the payment condition of the payment task is triggered, query the current digital asset balance value of the digital asset account associated with the payer.

[0131] Step 824, if the digital asset balance value is greater than or equal to the payment value corresponding to the payment task, the digital assets of the payment value are transferred from the digital asset account associated with the payee to the digital asset account associated with the payment project party. If the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payee is marked as enabled, then the digital asset account associated with the payee is automatically recharged from the resource account bound to the payee, and then the digital assets of the payment value are transferred from the digital asset account to the digital asset account associated with the payment project party. If the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payee is marked as not enabled, it is determined that the payment has failed.

[0132] Step 826, generate the asset transfer record for this time, generate the data to be uploaded to the chain regarding the asset transfer record, send the data to be uploaded to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded in the blockchain network, and store the data to be uploaded to the blockchain after the consensus is passed.

[0133] Step 828, storing the payer's asset transfer record in the payment platform database.

[0134] Step 830: Send a payment success notification to the payer.

[0135] Step 832, receiving a query request from the payer regarding asset transfer records, and in response to the query request, pulling out corresponding asset transfer records from the payment platform database and feeding back to the payer.

[0136] Step 834: receiving a payment method modification request from the payer, where the payment method modification request carries at least modification information.

[0137] Step 836, in response to the payment method modification request, the automatic payment smart contract is updated for the payer according to the modification information, the updated automatic payment smart contract is uploaded to the chain, and after the updated automatic payment smart contract is successfully uploaded to the chain, the payment task is updated.

[0138] Step 838, store the updated automatic payment smart contract in the payment platform database, and record in the payment platform database that the updated automatic payment smart contract is in effect.

[0139] Step 840, generate the payment method modification record for this time, generate the data to be uploaded to the chain regarding the payment method modification record, send the data to be uploaded to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded in the blockchain network, and store the data to be uploaded to the blockchain after the consensus is passed.

[0140] The payment methods provided in the related art require payment by cash, bank cards, third-party payment, etc., and require payment transfers through multiple links to complete the payment. For example, bank transfers require settlements between banks, and third-party payments require the intervention of third-party institutions. These transfer links will increase payment time and payment costs, and there is a problem of low payment efficiency. The payment method provided in the embodiment of the present application realizes automated payment by using digital assets and smart contracts, avoids the transfer of traditional bank transfers, third-party payments, etc., improves payment efficiency, and reduces payment costs.

[0141] The transaction of digital assets is realized based on blockchain technology, which has the characteristics of decentralization and non-tamperability. Payment based on digital assets has higher payment security than traditional payment methods. At the same time, in order to reduce the risk of account theft and payment information leakage caused by hacker attacks on digital asset wallets, digital asset wallets provide a variety of security measures, such as adopting a multi-signature mechanism, setting a secure password, using a hardware wallet, etc. The payment method provided in the embodiment of the present application uses smart contracts to automatically execute living payments, reduce transaction costs and dispute risks; the payment method based on smart contracts and digital assets has the characteristics of strong real-time, high security, and high transparency, which can effectively reduce payment risks and fraud.

[0142] The payment method in the related art requires the paying user to pay manually, which has the problem of high time cost for the paying user. For example, the paying user needs to go to the bank to pay, log in to the third-party payment platform to pay, etc. These operations require the paying user's time and energy. The third-party payment platform does not have the ability to automatically pay according to the balance. When the balance is insufficient, it will affect the user's daily life and cause inconvenience to the user. The payment method provided in the embodiment of the present application adopts a smart contract to realize the function of automatic payment on a regular basis or according to the balance. The paying user can create an automatic payment method by himself, such as automatically using digital assets and smart contracts to deduct and pay on a regular basis or according to the balance. This solves the problem of users forgetting to pay or not paying on time, which affects their daily life, and improves the user's experience and satisfaction.

[0143] In addition, the payment method provided in the embodiment of the present application realizes automated payment by using digital assets and smart contracts, thereby promoting the application and promotion of digital assets and promoting the digital transformation and innovative development of society.

[0144] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0145] Based on the same inventive concept, the embodiment of the present application also provides a payment device for implementing the payment method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more payment device embodiments provided below can refer to the limitations on the payment method above, and will not be repeated here.

[0146] In one embodiment, Fig. 9 As shown, a payment device 900 is provided, including: a receiving module 902, a smart contract creation module 904, a chain module 906, a payment task creation module 908 and a transfer module 910, wherein:

[0147] A receiving module 902 is used to receive a payment method creation request triggered by a payer, the payment method creation request at least carries payment information required by a target payment method, and the payment information at least includes a payment item party;

[0148] A smart contract creation module 904 is used to respond to the payment method creation request and create an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information;

[0149] The on-chain module 906 is used to send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is passed. The blockchain network includes the payer node, payment service node and payment project node corresponding to the payer;

[0150] A payment task creation module 908 is used to create a payment task for the automatic payment smart contract after the automatic payment smart contract is successfully uploaded to the chain;

[0151] The transfer module 910 is used to transfer the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment project party when the payment condition of the payment task is triggered.

[0152] In one embodiment, the payment device 900 further includes:

[0153] An identity authentication module is used to notify the payer to conduct identity verification;

[0154] Receiving identity verification information from the payer;

[0155] Perform identity verification based on the identity verification information;

[0156] The smart contract creation module 904 is used to perform the on-chain operation on the automatic payment smart contract after the identity verification is passed.

[0157] In one embodiment, the payment device 900 further includes:

[0158] The recording module is used to store the automatic payment smart contract in the payment platform database; record in the payment platform database that the automatic payment smart contract is in an ineffective state; after the automatic payment smart contract is successfully uploaded to the chain, modify the state of the automatic payment smart contract recorded in the payment platform database to an effective state.

[0159] In one embodiment, the target payment method is a periodic payment method, and the payment information required for the periodic payment method includes at least the digital asset account associated with the payee, the digital asset account associated with the payment project party, the payment date and the payment value; or, the target payment method is a threshold payment method, and the payment information required for the threshold payment method includes at least the digital asset account associated with the payee, the digital asset account associated with the payment project party, the payment threshold and the payment value.

[0160] In one embodiment, the on-chain module 906 is also used to send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is passed; wherein the blockchain network includes a payer node, a payment service node and a payment project node.

[0161] In one embodiment, the on-chain module 906 is also used to create the data to be on-chain of the automatic payment smart contract, and the data to be on-chain carries the digital certificate and digital signature of the payment service node, and the digital signature is obtained by encrypting the data to be on-chain using the private key in the digital certificate of the payment service node; the data to be on-chain is broadcast to the blockchain network, so that other nodes in the blockchain network except the payment service node receive the data to be on-chain, and verify the digital certificate and digital signature carried by the data to be on-chain. After the verification is successful, the data to be on-chain is filled into a new block, and the new block is appended to the end of the blockchain.

[0162] In one embodiment, the payment device 900 further includes:

[0163] A record module, used to store the payer's asset transfer records in the payment platform database;

[0164] Notification module, used to send a notification of successful payment to the payer;

[0165] The query module is used to receive a query request from the payer regarding the asset transfer record; in response to the query request, the corresponding asset transfer record is pulled from the payment platform database and fed back to the payer.

[0166] In one embodiment, the transfer module 910 is also used to query the current digital asset balance value of the digital asset account associated with the payer when the payment condition of the payment task is triggered; if the digital asset balance value is greater than or equal to the payment value corresponding to the payment task, the digital assets of the payment value are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as turned on, then after automatically recharging the digital asset account associated with the payer from the resource account bound to the payer, the digital asset of the payment value is transferred from the digital asset account to the digital asset account associated with the payment project party; if the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payer is marked as not turned on, it is determined that the payment has failed.

[0167] In one embodiment, the payment device 900 further includes:

[0168] An association module, configured to receive an account association request from the payee, the account association request carrying a digital asset account; and in response to the account association request, associate the payee with the digital asset account;

[0169] The binding module is used to receive an account binding request from the payer, the account binding request carries a resource account; in response to the account binding request, the digital asset account is bound to the resource account.

[0170] In one embodiment, the payment device 900 further includes:

[0171] A modification module is used to receive a payment method modification request from the payer, and the payment method modification request carries at least modification information; in response to the payment method modification request, the automatic payment smart contract is updated for the payer according to the modification information, and the updated automatic payment smart contract is put on the chain, and after the updated automatic payment smart contract is successfully put on the chain, the payment task is updated; the updated automatic payment smart contract is stored in the payment platform database, and the updated automatic payment smart contract is recorded in the payment platform database as being in effect.

[0172] In one embodiment, the on-chain module 906 is also used to generate a record of the payment method modification; generate data to be on-chain regarding the payment method modification record; send the data to be on-chain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be on-chain in the blockchain network, and store the data to be on-chain in the blockchain after the consensus is passed; wherein the blockchain network includes a payer node, a payment service node and a payment project node.

[0173] The payment device 900 receives a payment method creation request triggered by the payee, and the payment method creation request carries at least the payment information required by the target payment method. In response to the payment method creation request, the automatic payment smart contract corresponding to the target payment method is created for the payee according to the payment information, and the automatic payment smart contract is put on the chain. After the automatic payment smart contract is successfully put on the chain, a payment task about the automatic payment smart contract is created. When the payment condition of the payment task is triggered, the digital asset is transferred from the digital asset account associated with the payee to the digital asset account associated with the payment project party. Users can select payment methods as needed, and realize automatic payment by using digital assets and payment smart contracts, avoiding the transfer of third-party payment methods, and no manual payment is required, which improves payment efficiency. Moreover, the automatic payment method based on smart contracts and digital assets has the characteristics of strong real-time, high security, and high transparency, which can effectively enhance payment security and avoid payment disputes.

[0174] Each module in the above-mentioned payment device 900 can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0175] In one embodiment, a computer device is provided, which may be Figure 1 or Figure 2 The internal structure of the payment server shown in FIG. Fig.10 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store recorded automatic payment methods, smart contracts and their status data, modification data, etc. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a payment method is implemented.

[0176] In one embodiment, a computer device is provided, which may be Fig.11 The internal structure diagram of the terminal can be shown as follows Fig.11As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. The processor, the memory and the input / output interface are connected via a system bus, and the communication interface, the display unit and the input device are connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a payment method is implemented. The display unit of the computer device is used to form a visually visible image, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covered on the display screen, or a button, trackball or touchpad set on the computer device casing, or an external keyboard, touchpad or mouse, etc.

[0177] Those skilled in the art will understand that Fig.10 , Fig.11 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0178] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps of the payment method provided in the embodiment of the present application when executing the computer program. For example, the computer device may receive a payment method creation request triggered by a payee, and the payment method creation request carries at least the payment information required for the target payment method; in response to the payment method creation request, an automatic payment smart contract corresponding to the target payment method is created for the payee according to the payment information; an on-chain operation is performed on the automatic payment smart contract, and after the automatic payment smart contract is successfully on-chained, a payment task for the automatic payment smart contract is created; when the payment condition of the payment task is triggered, the digital asset is transferred from the digital asset account associated with the payee to the digital asset account associated with the payment project party.

[0179] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the payment method provided in the embodiment of the present application are implemented.

[0180] In one embodiment, a computer program product is provided, including a computer program, which, when executed by a processor, implements the steps of the payment method provided in the embodiment of the present application.

[0181] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards.

[0182] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0183] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0184] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A payment method, characterized in that: The method comprises: Receive a payment method creation request triggered by a payer, wherein the payment method creation request carries at least payment information required by a target payment method, and the payment information includes at least a payment item party; In response to the payment method creation request, create an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information; Sending the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract in the blockchain after the consensus is reached; wherein the blockchain network includes a payer node, a payment service node and a payment item node corresponding to the payer; After the automatic payment smart contract is successfully uploaded to the blockchain, a payment task for the automatic payment smart contract is created; When the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party.

2. The method according to claim 1, characterized in that After creating the automatic payment smart contract corresponding to the target payment method for the payer according to the payment information, the method further includes: Notify the payer to conduct identity verification; Receiving identity verification information from the payer; Identity verification is performed according to the identity verification information. After the identity verification is passed, the step of performing the on-chain operation on the automatic payment smart contract is executed.

3. The method according to claim 1, characterized in that After creating the automatic payment smart contract corresponding to the target payment method for the payer according to the payment information, the method further includes: Storing the automatic payment smart contract in the payment platform database; Recording in the payment platform database that the automatic payment smart contract is in an ineffective state; After the automatic payment smart contract is successfully uploaded to the chain, the status of the automatic payment smart contract recorded in the payment platform database is modified to be in effect.

4. The method according to claim 1, characterized in that: The target payment method is a periodic payment method, and the payment information required for the periodic payment method at least includes a digital asset account associated with the payee, a digital asset account associated with the payment project party, a payment date, and a payment amount; or The target payment method is a threshold payment method, and the payment information required by the threshold payment method includes at least a digital asset account associated with the payee, a digital asset account associated with the payment project party, a payment threshold, and a payment value.

5. The method according to claim 1, characterized in that The payment service node reaches a consensus on the automatic payment smart contract in the blockchain network, and stores the automatic payment smart contract in the blockchain after the consensus is reached, including: Create the data to be uploaded to the chain of the automatic payment smart contract, the data to be uploaded to the chain carries the digital certificate and digital signature of the payment service node, and the digital signature is obtained by encrypting the data to be uploaded to the chain using the private key in the digital certificate of the payment service node; The data to be uploaded to the chain is broadcasted to the blockchain network, so that after receiving the data to be uploaded to the chain, other nodes in the blockchain network except the payment service node verify the digital certificate and digital signature carried by the data to be uploaded to the chain. After successful verification, the data to be uploaded to the chain is filled into a new block, and the new block is appended to the end of the blockchain.

6. The method according to claim 1, characterized in that After transferring the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment item account, the method further includes: Generate the asset transfer record for this time; Generate data to be uploaded to the chain regarding the asset transfer record; Send the data to be uploaded to the blockchain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded in the blockchain network, and store the data to be uploaded to the blockchain after the consensus is reached; Among them, the blockchain network includes payer nodes, payment service nodes and payment project nodes.

7. The method according to claim 6, characterized in that After storing the data to be uploaded to the blockchain, the method further includes: Storing the asset transfer record of the payer in the payment platform database; Sending a payment success notification to the payee; Receiving a query request from the payer regarding the asset transfer record; In response to the query request, the corresponding asset transfer record is pulled from the payment platform database and fed back to the payer.

8. The method according to claim 1, characterized in that When the payment condition of the payment task is triggered, the digital assets are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party, including: When the payment condition of the payment task is triggered, query the current digital asset balance value of the digital asset account associated with the payer; If the digital asset balance is greater than or equal to the payment value corresponding to the payment task, the digital assets of the payment value are transferred from the digital asset account associated with the payer to the digital asset account associated with the payment project party; If the digital asset balance value is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payee is marked as turned on, then after automatically recharging the digital asset account associated with the payee from the resource account bound to the payee, the digital assets of the payment value are transferred from the digital asset account to the digital asset account associated with the payment project party; If the balance value of the digital asset is less than the payment value corresponding to the payment task, and the automatic recharge function corresponding to the payee is marked as not turned on, it is determined that the payment has failed.

9. The method according to claim 8, characterized in that Before receiving the payment method creation request triggered by the payee, the method further includes: Receive an account association request from the payer, wherein the account association request carries a digital asset account; In response to the account association request, associating the payer with the digital asset account; receiving an account binding request from the payer, wherein the account binding request carries a resource account; In response to the account binding request, the digital asset account is bound to the resource account.

10. The method according to any one of claims 1 to 9, characterized in that: The method further comprises: receiving a payment method modification request from the payer, wherein the payment method modification request carries at least modification information; In response to the payment method modification request, the automatic payment smart contract is updated for the payer according to the modification information, the updated automatic payment smart contract is put on the chain, and after the updated automatic payment smart contract is successfully put on the chain, the payment task is updated; The updated automatic payment smart contract is stored in the payment platform database, and the updated automatic payment smart contract is recorded in the payment platform database as being in effect.

11. The method according to claim 10, characterized in that The method further comprises: Generate the payment method modification record for this time; Generate data to be uploaded to the chain regarding the modification record of the payment method; Send the data to be uploaded to the blockchain to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the data to be uploaded in the blockchain network, and store the data to be uploaded to the blockchain after the consensus is reached; Among them, the blockchain network includes payer nodes, payment service nodes and payment project nodes.

12. A payment device, characterized in that: The device comprises: A receiving module, configured to receive a payment method creation request triggered by a payer, wherein the payment method creation request carries at least payment information required by a target payment method, wherein the payment information includes at least a payment item party; A smart contract creation module, configured to respond to the payment method creation request and create an automatic payment smart contract corresponding to the target payment method for the payer according to the payment information; The on-chain module is used to send the automatic payment smart contract to the payment service node in the blockchain network, so that the payment service node can reach a consensus on the automatic payment smart contract in the blockchain network, and store the automatic payment smart contract in the blockchain after the consensus is reached; wherein the blockchain network includes a payer node, a payment service node and a payment item node corresponding to the payer; A payment task creation module, used to create a payment task for the automatic payment smart contract after the automatic payment smart contract is successfully uploaded to the chain; The transfer module is used to transfer the digital assets from the digital asset account associated with the payer to the digital asset account associated with the payment project party when the payment condition of the payment task is triggered.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 11 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

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