Batch payment method and device based on block chain, electronic equipment and storage medium

Abstract

The invention discloses a block chain-based batch payment method and device, electronic equipment and a storage medium, and relates to the technical field of block chains or other related fields, and the method comprises the steps: obtaining batch payment application information, and determining payment verification information of a target user based on the batch payment application information; uploading the payment verification information and the batch payment application information to a target block chain network to obtain a solidification result; uploading the hardware authentication information of the target user to the target block chain network, receiving a check data packet, and checking the public authentication based on the check data packet; and receiving a batch payment request initiated by the target user and uploading the batch payment request to the target block chain network under the condition that the public authentication verification is passed, executing a batch payment transaction by the target block chain network, and returning a batch payment result. Through the method and the device, the technical problem of low payment efficiency in a batch payment scene due to the fact that public payment depends on hardware encryption equipment to guarantee fund security in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology or other related fields, and in particular to a batch payment method and device based on blockchain, an electronic device, and a storage medium. Background Art

[0002] With the continuous development and maturity of blockchain technology, its advantages in improving the security, privacy, traceability and execution efficiency of payment verification information and batch payment application information have become increasingly prominent. Among them, the solidified storage of payment verification information and batch payment application information and the encrypted upload and verification of hardware authentication information have become prerequisites for the blockchain network to execute batch payment transactions.

[0003] However, in the related art, the solidified storage of payment verification information and batch payment application information and the encrypted upload and verification mechanism of hardware authentication information are complex and time-consuming. Therefore, the solidified storage efficiency of payment verification information and batch payment application information and the encrypted upload and verification efficiency of hardware authentication information are low, which affects the execution efficiency of batch payment.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The main purpose of this application is to provide a batch payment method and device, electronic device, and storage medium based on blockchain, so as to at least solve the technical problem in the related technology that corporate payments rely on hardware encryption devices to ensure the security of funds, resulting in low payment efficiency in batch payment scenarios.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a batch payment method based on blockchain is provided, the method comprising: obtaining batch payment application information, and determining the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information; uploading the payment verification information and the batch payment application information to the target blockchain network to obtain a solidification result, wherein the target blockchain network is used to perform a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result; uploading the hardware authentication information of the target user to the target blockchain network based on the solidification result, and receiving a verification data packet returned by the target blockchain network, and performing a public authentication verification based on the verification data packet; if the public authentication verification is passed, receiving a batch payment request initiated by the target user, and uploading the batch payment request to the target blockchain network, and having N network nodes of the target blockchain network execute batch payment transactions in parallel, and returning a batch payment result, wherein N is a positive integer.

[0007] Furthermore, the step of determining the user identity, account balance and transaction authority of the target user based on the batch payment application information and obtaining payment verification information includes: parsing the batch payment application information to obtain user attribute data of the target user, wherein the user attribute data at least includes: the user identity; querying the local database of the financial institution based on the user identity to obtain a query result, wherein the query result includes at least one of the following: user registration information, historical transaction information, the transaction authority and the account balance; verifying the user attribute data based on the query result to obtain the payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in a corporate batch payment scenario.

[0008] Furthermore, the target blockchain network performs a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result, including: performing format conversion on the verification information and the batch payment application information to obtain the input parameters of the smart contract, wherein the smart contract at least includes: a solidification storage executable program; inputting the input parameters into the smart contract, and the smart contract performs the solidification storage operation to obtain a first hash value and a first key, wherein the smart contract also includes: a hash calculation program and an encryption program, the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate the first key based on the first hash value; based on the first hash value and the first key, the solidification result is generated.

[0009] Furthermore, the step of uploading the hardware authentication information of the target user to the target blockchain network based on the solidification result includes: obtaining the hardware authentication information of the target user; encrypting the hardware authentication information based on the first key in the solidification result to obtain encrypted authentication information, wherein the encrypted authentication information at least includes: a first hardware authentication information hash value; and uploading the encrypted authentication information to the target blockchain network.

[0010] Furthermore, after uploading the hardware authentication information of the target user to the target blockchain network based on the solidification result, the method also includes: the target blockchain network uses the first key stored in the solidification to decrypt the encrypted authentication information to obtain a decryption result; when the decryption result indicates that the decryption is successful, confirming that the encrypted authentication information is valid, and checking whether the decrypted authentication information in the decryption result is complete; when the decrypted authentication information is complete, performing a hash calculation based on the decrypted authentication information to obtain a second hardware authentication information hash value; comparing the first hardware authentication information hash value and the second hardware authentication information hash value, and when the comparison result indicates that the two are consistent, confirming that the decrypted authentication information is valid, and generating the verification data packet based on the decrypted authentication information, the payment verification information stored in the target blockchain network in the solidification, and the timestamp information.

[0011] Furthermore, before the target blockchain network performs a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract, it also includes: parsing batch payment requirements based on the batch payment application information, and determining R transaction objects based on the batch payment requirements, where R is a positive integer; generating R blocks based on the R transaction objects, where each block is responsible for connecting to one transaction object.

[0012] Furthermore, after receiving the batch payment request initiated by the target user, it also includes: parsing the batch payment request to obtain M corporate payment transaction orders and the transaction category of each corporate payment transaction order, wherein M is a positive integer; grouping all the corporate payment transaction orders based on the transaction category to obtain T order groups, wherein T is a positive integer; obtaining the node usage status of S distributed nodes of the financial institution server, and transmitting the T order groups to the S distributed nodes based on the load balancing strategy and the node usage status, wherein S is a positive integer.

[0013] Furthermore, the step of uploading the batch payment requests to the target blockchain network includes: for each of the distributed nodes, parsing the corporate payment transaction orders in the order group to obtain transaction object information involved in each of the corporate payment transaction orders; for each of the corporate payment transaction orders, determining the target block based on the transaction object information, and uploading the payment request corresponding to the corporate payment transaction order to the target block.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a batch payment device based on blockchain is also provided, which includes: a determination unit, which is used to obtain batch payment application information, and determine the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information; an uploading unit, which is used to upload the payment verification information and the batch payment application information to the target blockchain network to obtain a solidification result, wherein the target blockchain network is used to perform a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result; a verification unit, which is used to upload the hardware authentication information of the target user to the target blockchain network based on the solidification result, and receive the verification data packet returned by the target blockchain network, and perform public authentication verification based on the verification data packet; a receiving unit, which is used to receive the batch payment request initiated by the target user when the public authentication verification passes, and upload the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel, and return the batch payment result, wherein N is a positive integer.

[0015] Furthermore, the determination unit includes: a first parsing module, used to parse the batch payment application information to obtain user attribute data of the target user, wherein the user attribute data at least includes: the user identity; a query module, used to query the local database of the financial institution based on the user identity to obtain the query result, wherein the query result includes at least one of the following: user registration information, historical transaction information, the transaction authority and the account balance; a verification module, used to verify the user attribute data based on the query result to obtain the payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in the corporate batch payment scenario.

[0016] Furthermore, the upload unit includes: a format conversion module, used to convert the format of the verification information and the batch payment application information to obtain the input parameters of the smart contract, wherein the smart contract at least includes: a solidified storage executable program; an input module, used to input the input parameters into the smart contract, and the smart contract executes the solidified storage operation to obtain a first hash value and a first key, wherein the smart contract also includes: a hash calculation program and an encryption program, the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate the first key based on the first hash value; a first generation module, used to generate the solidified result based on the first hash value and the first key.

[0017] Furthermore, the verification unit includes: an acquisition module for acquiring the hardware authentication information of the target user; an encryption module for encrypting the hardware authentication information based on the first key in the solidification result to obtain encrypted authentication information, wherein the encrypted authentication information at least includes: a first hardware authentication information hash value; a first upload module for uploading the encrypted authentication information to the target blockchain network.

[0018] Furthermore, the blockchain-based batch payment device also includes: a decryption module, which is used to, after uploading the hardware authentication information of the target user to the target blockchain network based on the solidified result, the target blockchain network uses the first key stored in the solidified storage to decrypt the encrypted authentication information to obtain a decryption result; a checking module, which is used to confirm that the encrypted authentication information is valid when the decryption result indicates that the decryption is successful, and to check whether the decrypted authentication information in the decryption result is complete; a calculation module, which is used to perform hash calculation based on the decrypted authentication information when the decrypted authentication information is complete to obtain a second hardware authentication information hash value; a comparison module, which is used to compare the first hardware authentication information hash value and the second hardware authentication information hash value, and when the comparison result indicates that the two are consistent, confirm that the decrypted authentication information is valid, and generate the verification data packet based on the decrypted authentication information, the payment verification information solidified and stored in the target blockchain network, and the timestamp information.

[0019] Furthermore, the upload unit also includes: a determination module, which is used to parse the batch payment requirements based on the batch payment application information before performing a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract, and determine R transaction objects based on the batch payment requirements, wherein R is a positive integer; a second generation module, which is used to generate R blocks based on the R transaction objects, wherein each block is responsible for docking with one transaction object.

[0020] Furthermore, the blockchain-based batch payment device also includes: a second parsing module, which is used to parse the batch payment request initiated by the target user after receiving the batch payment request, and obtain M corporate payment transaction orders and the transaction category of each corporate payment transaction order, wherein M is a positive integer; a grouping module, which is used to group all the corporate payment transaction orders based on the transaction category to obtain T order groups, wherein T is a positive integer; a transmission module, which is used to obtain the node usage status of S distributed nodes of the financial institution server, and transmit the T order groups to the S distributed nodes based on the load balancing strategy and the node usage status, wherein S is a positive integer.

[0021] Furthermore, the receiving unit includes: a third parsing module, used to parse the corporate payment transaction order in the order group for each of the distributed nodes, and obtain the transaction object information involved in each of the corporate payment transaction orders; a second uploading module, used to determine the target block for each of the corporate payment transaction orders based on the transaction object information, and upload the payment request corresponding to the corporate payment transaction order to the target block.

[0022] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned blockchain-based batch payment methods.

[0023] In order to achieve the above-mentioned purpose, according to another aspect of the present application, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned blockchain-based batch payment methods.

[0024] In the present invention, a batch payment method based on blockchain is proposed, which first obtains batch payment application information, and determines the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information, and then uploads the payment verification information and the batch payment application information to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain a solidified result, and then uploads the hardware authentication information of the target user to the target blockchain network based on the solidified result, and receives a verification data packet returned by the target blockchain network, performs a public authentication verification based on the verification data packet, and finally, if the public authentication verification passes, receives a batch payment request initiated by the target user, and uploads the batch payment request to the target blockchain network, and N network nodes of the target blockchain network execute batch payment transactions in parallel, and return batch payment results, wherein N is a positive integer.

[0025] In the present invention, the blockchain technology is combined with the smart contract, and the purpose of improving the efficiency of batch payments while ensuring the security of funds is achieved through solidified storage and multi-party secure computing, thereby achieving the technical effect of efficient and secure processing of public batch payments. Specifically, the batch payment application information is obtained and the user identity, account balance and transaction authority of the target user are determined. The above payment verification information and batch payment application information are solidified and stored in the blockchain network through the smart contract, including hash values ​​and keys. The hardware authentication information is encrypted with the key and uploaded to the blockchain network. A verification data packet is generated and fed back to the financial institution, which performs public authentication verification to ensure the legality and security of the transaction. After the public authentication verification is passed, the financial institution receives the batch payment request initiated by the target user and executes the batch payment transaction in parallel through the blockchain network. The above parallel processing method greatly improves the payment processing speed and reduces the waiting time. The whole process is transparent and traceable, which effectively improves the efficiency and security of batch payments, and at the same time reduces the burden on bank servers, thereby solving the technical problem that public payments rely on hardware encryption devices to ensure fund security in related technologies, resulting in low payment efficiency in batch payment scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0027] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a batch payment method based on blockchain is shown;

[0028] Figure 2 is a flow chart of an optional blockchain-based batch payment method according to an embodiment of the present invention;

[0029] Figure 3 is an operation flow chart of an optional solidified storage executable program according to an embodiment of the present invention;

[0030] Figure 4 is a schematic diagram of an optional block generation process according to an embodiment of the present invention;

[0031] Figure 5 is a schematic diagram of an optional blockchain-based verification data packet generation method according to an embodiment of the present invention;

[0032] Figure 6 is a schematic diagram of an optional blockchain-based batch payment device according to an embodiment of the present invention;

[0033] Figure 7is a structural block diagram of an electronic device for executing a blockchain-based batch payment method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0034] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0035] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0036] To facilitate those skilled in the art to understand the present invention, some terms or nouns involved in the embodiments of the present invention are explained below:

[0037] Blockchain, a distributed database, forms a chain structure by connecting data blocks (i.e. "blocks"). Each block contains transaction data, timestamp and hash value of the previous block. It is decentralized, tamper-proof and transparent, and is an ideal platform for financial transactions, data storage and smart contract execution.

[0038] Smart contracts, a computer program that automatically executes contract terms, run on a blockchain network and are used to automatically and transparently execute complex business logic, such as the solidified storage operation of payment verification information and batch payment application information in the present invention.

[0039] It should be noted that the blockchain-based batch payment method and device in the present application can be used in the field of blockchain technology to efficiently and securely handle corporate batch payment business, and can also be used in any field outside the field of blockchain technology to efficiently and securely handle corporate batch payment business. The present application does not limit the application field of the blockchain-based batch payment method and device.

[0040] It should be noted that the relevant 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, storage, processing, transmission, provision, disclosure, use and processing of the relevant data comply with the laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0041] The information collection (for example, user voice, video, and text collection) and analysis operations involved in this application have provided users with corresponding operation entrances when they are executed, allowing users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0042] The following embodiments of the present invention can be applied to various systems / applications / devices that require batch authentication and batch payment processing for public enterprises, and can realize safe, efficient and automated processing of batch payments for public enterprises. The present invention uses blockchain technology to store payment verification information, and then automatically calls hardware authentication information through smart contract technology to complete batch payment transactions with the bank side, which can better combine the advantages of hardware security and software automation to ensure the accuracy and speed of batch payment operations.

[0043] The present invention is described in detail below in conjunction with various embodiments.

[0044] Embodiment 1

[0045] According to an embodiment of the present invention, an embodiment of a batch payment method based on blockchain is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0046] The method embodiment provided in the first embodiment of the present invention may be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a batch payment method based on blockchain is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0047] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0048] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the block chain-based batch payment method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned block chain-based batch payment method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0049] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0050] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0051] Under the above operating environment, the present invention provides Figure 2 The blockchain-based batch payment method shown is implemented by a financial institution or a payment processing system. It combines blockchain technology and is used in public batch payment scenarios, especially to solve the problem of low payment efficiency caused by reliance on hardware encryption devices in the prior art, through solidified storage, smart contracts and multi-party secure computing.

[0052] The embodiments of the present invention are described in detail below in conjunction with various specific steps.

[0053] Figure 2 is a flow chart of an optional blockchain-based batch payment method according to an embodiment of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0054] Step S201, obtaining batch payment application information, and determining the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information.

[0055] Specifically, batch payment application information refers to the request data for batch financial transfers submitted by an enterprise or organization to a financial institution, including but not limited to the following key elements: payment details, initiator information, timestamp, and signature. Among them, payment details include the amount of each payment, the account information of the payee (such as bank account number, payee name), and the reason or description of the payment; the initiator information refers to the basic information of the enterprise initiating the batch payment, such as the enterprise name, enterprise bank account number, enterprise hardware authentication information, etc.; the timestamp refers to the specific time of the application for payment, which is used for time sorting and anti-duplicate processing of transactions; the signature refers to the digital signature of the application information using a hardware authentication device or other security device to prove the integrity of the application information and the identity of the sender.

[0056] The target user refers to the enterprise or organization that initiates the batch payment application. The purpose of determining the user's identity is to confirm whether the user is a legitimate application initiator and the user's specific account information in the financial institution. In the present invention, the company name, bank account number and other data in the application information are compared with the internal database of the financial institution or the external authentication system (such as industrial and commercial registration information) to ensure that the subject of the payment operation is authentic and legal.

[0057] The purpose of the account balance check is to ensure that the target user's corporate account has sufficient funds to complete the batch payment operation to prevent account overdraft or illegal fund operations; transaction permissions refer to the permission restrictions of the target user when initiating batch payments, including but not limited to: daily payment limit, monthly payment limit, payment type restrictions (such as whether inter-bank payment is allowed), etc. Financial institutions need to ensure that the target user has the right to conduct such batch payment operations to prevent unauthorized transactions or excessive transactions and ensure the safety of funds. Payment verification information is generated based on the results of the above checks (user identity verification, account balance check, and transaction permission confirmation) to confirm whether the application meets the payment conditions and security requirements.

[0058] Optionally, the payment verification information may also include: the user's authentication status, account fund status, transaction limit status, etc.

[0059] Optionally, the step of determining the user identity, account balance and transaction authority of the target user based on the batch payment application information and obtaining payment verification information includes: parsing the batch payment application information to obtain user attribute data of the target user, wherein the user attribute data includes at least: user identity; querying the local database of the financial institution based on the user identity to obtain query results, wherein the query results include at least one of the following: user registration information, historical transaction information, transaction authority and account balance; verifying the user attribute data based on the query results to obtain payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in a corporate batch payment scenario.

[0060] Specifically, user attribute data includes but is not limited to: user identity, total payment amount, recipient account information, and detailed information of each payment (such as specific amount, payment date, payment reason, etc.), which is used for subsequent user identity authentication, account balance check and transaction authority confirmation.

[0061] It should be noted that the local database stores key data such as registration information, historical transaction records, transaction authority settings and account balances of all customers of the financial institution. The query results will contain detailed information of the target user, among which user registration information includes company registration number, company name, registered address, contact information, etc., which is used to verify the authenticity of the user's identity; historical transaction information records all previous transaction records of the user, including transaction amount, transaction date, transaction object, etc., which is used to analyze the compliance and risk of user transaction behavior; transaction authority refers to the transaction restrictions set by the user in the account of the financial institution, such as single payment limit, daily cumulative payment limit, monthly cumulative payment limit, etc., which are used to confirm whether the user has the right to perform the current batch payment operation; account balance indicates the total amount of funds available in the user's current account, which is used to confirm whether the account has sufficient funds to complete the batch payment.

[0062] An optional step of verifying the user attribute data based on the query result to obtain the payment verification information includes: user identity verification, that is, by comparing the user registration information and the user attribute data in the application, confirming whether the user identity is accurate; account balance check, that is, confirming whether the account balance exceeds or equals the total amount of the batch payment to determine whether the account is overdrawn; transaction authority confirmation, that is, checking the transaction authority information to confirm whether the batch payment request is within the user's transaction authority to prevent payment behavior beyond the authority. If the above verifications are passed, it is determined that the payment verification information is credible for the target user in the public batch payment scenario, and subsequent payment processing can be carried out safely.

[0063] Alternatively, a verification code or a status identifier may be used to represent the payment verification information, and whether to allow the batch payment operation may be determined by comparing the verification code or confirming the status identifier.

[0064] Through the above steps, the embodiment of the present invention can ensure that only strictly verified and authorized users can initiate payment requests in the public batch payment scenario, effectively avoiding illegal users or operations, thereby improving the security and reliability of payment. At the same time, through automated verification and processing, the efficiency of public batch payments is greatly improved, reducing errors and time consumption of manual intervention.

[0065] Step S202, upload the payment verification information and batch payment application information to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and batch payment application information based on a smart contract to obtain a solidified result.

[0066] After the user identity, account balance and transaction authority verification in the previous stage, the financial institution will upload the generated payment verification information together with the original batch payment application information in the form of a data packet to the target blockchain network. The target blockchain network is a blockchain system specially designed or selected for public batch payment scenarios, which is used to provide a high level of data security, transparency and immutability, and is the basis for realizing smart contracts and solidified storage operations.

[0067] It should be noted that a smart contract is an automatically executed agreement that automatically executes the contract terms when the preset conditions are met without the intervention of a third party. In the embodiment of the present invention, the role of the smart contract is to check and solidify the payment verification information and application information to ensure that this information is permanently and tamper-proof stored on the blockchain.

[0068] Optionally, the target blockchain network performs a solidification storage operation on the payment verification information and batch payment application information based on the smart contract to obtain a solidification result, including: converting the format of the verification information and the batch payment application information to obtain input parameters of the smart contract, wherein the smart contract at least includes: a solidification storage executable program; inputting the input parameters into the smart contract, and the smart contract performs a solidification storage operation to obtain a first hash value and a first key, wherein the smart contract also includes: a hash calculation program and an encryption program, the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate a first key based on the first hash value; based on the first hash value and the first key, a solidification result is generated.

[0069] Optionally, before uploading to the blockchain network, the payment verification information and batch payment application information can be formatted to adapt to the input parameter requirements of the smart contract. Format conversion includes but is not limited to: data type conversion (for example, converting a string to a byte stream), data encoding, and data structuring to ensure that the information can be correctly interpreted and processed by the smart contract.

[0070] It should be noted that the smart contract contains a solidified storage executable program, which defines the logic and process of data solidification storage, ensuring that payment verification information and batch payment application information are correctly and securely stored on the blockchain.

[0071] Figure 3 is an optional operation flow chart of a solidified storage executable program according to an embodiment of the present invention, such as Figure 3 As shown, the procedure includes the following operations:

[0072] S301, verify input parameters. It should be noted that verifying input parameters means checking whether the uploaded information complies with the preset format and requirements, for example, whether the data packet contains all necessary fields.

[0073] S302, perform the solidification operation. It should be noted that once the input parameters are verified, the solidification storage program will start the solidification operation, which involves processing and storing the data on the blockchain to make it an unalterable transaction record.

[0074] It should be noted that the smart contract also contains a hash calculation program, which is used to generate a hash value of a specified length based on the input parameters. The hash value is a fixed-length string that represents data of any length and has extremely high uniqueness and irreversibility. The hash calculation program converts the payment verification information and batch payment application information into a hash value and records it in the transaction record of the blockchain to verify the originality and integrity of the data.

[0075] It should be noted that the smart contract also includes an encryption program for generating a first key based on the generated first hash value, and the first key is used for subsequent data decryption and access control. The encryption program uses symmetric encryption or asymmetric encryption algorithms to ensure that the generated key is highly secure and prevent unauthorized access and data leakage.

[0076] The embodiment of the present invention ensures the secure solidification of payment verification information and batch payment application information on the blockchain through the solidified storage program, hash calculation program and encryption program in the smart contract, generates a first hash value and a first key, and provides a secure and tamper-proof data foundation for subsequent batch payment operations, while enhancing data privacy protection and access control capabilities.

[0077] Optionally, before the target blockchain network performs a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract, it also includes: parsing batch payment requirements based on the batch payment application information, and determining R transaction objects based on the batch payment requirements, where R is a positive integer; generating R blocks based on the R transaction objects, where each block is responsible for docking with one transaction object.

[0078] It should be noted that batch payment requirements include a series of payment instructions, each payment instruction corresponds to a payee (transaction object) and a payment amount. The parsing steps include: data cleaning, structured processing and payment demand analysis to remove blank, duplicate or invalid data in the batch payment application information, convert the payment requirements into a standard data structure, and further determine the total payment amount, the number of payment objects (R), and detailed information of each payment object, such as the receiving account, payment amount and payment notes.

[0079] Optionally, the process of determining the transaction object includes: transaction object identification, transaction object verification and transaction object grouping.

[0080] Extract the account information of each payee from the payment demand, including but not limited to: bank account number, payee name, payment address, etc.; verify the identity information of each transaction object through the internal database of the financial institution or the third-party authentication system to ensure the accuracy and legality of the payee's account information; group the R transaction objects according to certain rules, such as grouping by payment type (such as wages, supplier payments, taxes, etc.), or grouping by the size of the payment amount, to prepare for subsequent block generation and transaction processing.

[0081] In order to ensure that the payment information of each transaction object can be processed independently and securely, the target blockchain network will generate R blocks based on R transaction objects.

[0082] It should be noted that blocks are the basic units for storing transaction information in blockchain. Each block contains the transaction records of this block and the hash value of the previous block, ensuring the continuity and security of the blockchain. Figure 4 It is a schematic diagram of an optional block generation process according to an embodiment of the present invention. As shown in the figure, the process of generating a block includes: transaction record encapsulation, block creation, hash chain construction, block broadcasting, and consensus verification.

[0083] It should be noted that transaction record encapsulation means that for each transaction object, relevant payment information is encapsulated into a transaction record, including but not limited to: payment amount, payment date, account information of the transaction object, etc.; block creation means that each transaction record is added to a newly created block, and each block will correspond to a transaction object; hash chain construction means that after the block is created, by calculating the hash value of the current block and connecting it with the hash value of the previous block, a hash chain of blocks is formed, ensuring the continuity between blocks and the immutability of data; block broadcasting means that once a block is created and linked, it will be broadcast to all nodes through the blockchain network for consensus verification and storage; consensus verification means that the nodes in the blockchain network will verify the validity and consistency of all blocks according to the preset consensus mechanism to ensure compliance with the rules and standards of the blockchain.

[0084] The embodiment of the present invention realizes the distributed storage and processing of payment information by generating R blocks, ensuring that the payment information of each transaction object can be independently and securely stored on the blockchain network, improving the security and efficiency of batch payment operations, making the tracing and auditing of payment information more convenient, and enhancing the transparency and credibility of the payment process.

[0085] Step S203: Upload the hardware authentication information of the target user to the target blockchain network based on the solidification result, receive the verification data packet returned by the target blockchain network, and perform public authentication verification based on the verification data packet.

[0086] Optionally, the step of uploading the target user's hardware authentication information to the target blockchain network based on the solidification result includes: obtaining the target user's hardware authentication information; encrypting the hardware authentication information based on the first key in the solidification result to obtain encrypted authentication information, wherein the encrypted authentication information at least includes: a first hardware authentication information hash value; and uploading the encrypted authentication information to the target blockchain network.

[0087] In the process of obtaining the target user's hardware authentication information, the user is allowed to prove that he is the legitimate initiator of the batch payment application through identity authentication, and connect the hardware authentication device to the payment system. The payment system of the financial institution reads and records the authentication information in the device. The hardware authentication information includes but is not limited to: device ID, certificate serial number, validity period, and key bound to the user account, etc.

[0088] Optionally, after uploading the target user's hardware authentication information to the target blockchain network based on the solidified result, the method also includes: the target blockchain network uses the solidified stored first key to decrypt the encrypted authentication information to obtain a decryption result; when the decryption result indicates that the decryption is successful, confirming that the encrypted authentication information is valid, and checking whether the decrypted authentication information in the decryption result is complete; when the decrypted authentication information is complete, performing a hash calculation based on the decrypted authentication information to obtain a second hardware authentication information hash value; comparing the first hardware authentication information hash value and the second hardware authentication information hash value, and when the comparison result indicates that the two are consistent, confirming that the decrypted authentication information is valid, and generating a verification data packet based on the decrypted authentication information, the payment verification information solidified and stored in the target blockchain network, and the timestamp information.

[0089] It should be noted that after confirming that the hardware authentication information is valid, the smart contract generates a verification data packet based on the decrypted authentication information, the solidified stored payment verification information and the timestamp information. Figure 5 is a schematic diagram of an optional blockchain-based verification data packet generation method according to an embodiment of the present invention, such as Figure 5 As shown, the method includes: data integration, generation of verification data, data packet encryption, data packet broadcasting, consensus verification and storage structure feedback.

[0090] Among them, data integration refers to integrating the decrypted hardware authentication information, payment verification information and timestamp information into a data packet. Verification data generation refers to generating verification data based on the integrated data, including verification status, verification time, hardware authentication information summary, payment verification information summary, etc. Data packet encryption means that in order to protect the privacy of verification data, the smart contract uses a preset encryption algorithm to encrypt the verification data packet and generate an encrypted verification data packet. Data packet broadcast means that the encrypted verification data packet will be broadcast to all nodes in the blockchain network for consensus verification and storage. Consensus verification means that all nodes will verify the validity and consistency of the verification data packet according to the consensus mechanism to ensure compliance with blockchain rules. Storage result feedback means that once the verification data packet passes the consensus verification, a storage result feedback will be generated, indicating that the verification data packet has been successfully solidified and stored.

[0091] The above steps not only ensure the secure upload and decryption verification of hardware authentication information, but also provide key trust basis for subsequent batch payment operations by generating verification data packets. The generation and consensus verification of verification data packets ensure that public batch payment operations are carried out in a highly secure and compliant environment, and also provide important data support for risk management of payment systems.

[0092] The present invention realizes the secure uploading, decryption verification and generation of verification data packets of target user hardware authentication information through encryption and smart contract technology, providing a safe, efficient and compliant processing flow for public batch payments. The encryption and decryption process ensures the secure transmission of data, while the generation and consensus verification of verification data packets further verify the legitimacy and security of payment operations, providing a solid foundation for the smooth execution of batch payments.

[0093] Step S204, when the public authentication verification is passed, a batch payment request initiated by the target user is received, and the batch payment request is uploaded to the target blockchain network. The N network nodes of the target blockchain network execute the batch payment transaction in parallel and return the batch payment result, where N is a positive integer.

[0094] Once the target user's public authentication verification is successful, it indicates that the user has the right to perform batch payment operations and the hardware authentication information is valid. At this point, the payment system or financial institution will receive a batch payment request initiated by the target user. The batch payment request contains multiple payment instructions, each of which corresponds to a payee (transaction object) and a payment amount.

[0095] Optionally, after receiving the batch payment request initiated by the target user, it also includes: parsing the batch payment request to obtain M corporate payment transaction orders and the transaction category of each corporate payment transaction order, where M is a positive integer; grouping all corporate payment transaction orders based on the transaction category to obtain T order groups, where T is a positive integer; obtaining the node usage status of S distributed nodes of the financial institution server, and transmitting the T order groups to the S distributed nodes based on the load balancing strategy and the node usage status, where S is a positive integer.

[0096] It should be noted that M represents the number of payment transactions included in the batch payment request, and each transaction order is marked with a specific transaction category, such as salary payment, supplier payment, tax payment, etc.

[0097] In order to improve processing efficiency and resource allocation, all corporate payment transaction orders will be grouped according to transaction categories, and T represents the number of groups. The purpose of grouping is to centrally process similar payment orders. For example, all salary payment orders can be grouped as one group, and all supplier payment orders can be grouped as another group, which helps to allocate appropriate distributed nodes for processing later and achieve efficient resource utilization and load balancing.

[0098] In order to efficiently allocate batch payment tasks, the usage status of S distributed nodes in the financial institution's server is obtained, including the following information: node load, that is, the current processing task volume and resource occupancy of each node, so as to avoid allocating too many tasks to overloaded nodes; node health, that is, checking the operating status of the node to ensure that the node can perform tasks stably and avoid allocating tasks to faulty or unstable nodes; node capability, that is, evaluating the processing power and special functions of the node, such as whether it supports fast payment, whether it has high concurrent processing capabilities, etc., so as to allocate suitable tasks to suitable nodes.

[0099] After understanding the node usage status, T order groups are assigned to S distributed nodes based on the load balancing strategy. The load balancing strategy includes the following operations: according to the load and capacity of the node, the order group is assigned to the most suitable node to achieve efficient use of resources; during the task execution process, the load and operation status of the node are continuously monitored, and the task allocation is dynamically adjusted to ensure the stable operation of the system; once a node failure or overload is found, the task can be transferred to other nodes in time to achieve high availability and fault tolerance of the system.

[0100] Optionally, the step of uploading batch payment requests to the target blockchain network includes: for each distributed node, parsing the corporate payment transaction orders in the order group to obtain transaction object information involved in each corporate payment transaction order; for each corporate payment transaction order, determining the target block based on the transaction object information, and uploading the payment request corresponding to the corporate payment transaction order to the target block.

[0101] It should be noted that at the distributed node level, each node will be responsible for processing the assigned order group, parsing the corporate payment transaction orders in the order group, and extracting key information of the order, such as the payee information, payment amount, transaction category, etc.

[0102] Each payment transaction order will determine the target block according to the transaction object information of the payee. Since the corresponding block has been generated for each transaction object in step S203, the determination of the target block is achieved by querying the block directory in the blockchain network;

[0103] After determining the target block, the distributed node will upload the payment request corresponding to the public payment transaction order to the target block. When the payment request is uploaded to the blockchain network, it will be encapsulated into a transaction record and processed and stored through a smart contract. The smart contract will verify the payment request according to preset rules to ensure that it meets the payment conditions, and then solidify it and store it in the target block to generate an unalterable payment record.

[0104] The embodiment of the present invention realizes efficient processing and secure execution of batch payment requests through the above steps. On the premise that the public authentication verification is passed, the batch payment requests are parsed and grouped, and then assigned to distributed nodes for processing based on the load balancing strategy. Each node is responsible for processing a group of orders. By determining the target block and uploading the payment request to the blockchain network, the secure storage and processing of payment data is realized. The above distributed processing method not only improves the payment efficiency, but also enhances the stability and security of the system, providing an efficient, secure and compliant execution environment for public batch payments.

[0105] Through the above steps S201 to S204, the batch payment application information can be first obtained, and the user identity, account balance and transaction authority of the target user can be determined based on the batch payment application information to obtain the payment verification information, and then the payment verification information and the batch payment application information can be uploaded to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract to obtain a solidified result, and then the hardware authentication information of the target user is uploaded to the target blockchain network based on the solidified result, and the verification data packet returned by the target blockchain network is received, and the public authentication verification is performed based on the verification data packet. Finally, if the public authentication verification is passed, the batch payment request initiated by the target user is received, and the batch payment request is uploaded to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel, and return the batch payment result, wherein N is a positive integer.

[0106] In the embodiment of the present invention, the blockchain technology is combined with the smart contract, and the purpose of improving the efficiency of batch payment while ensuring the security of funds is achieved by means of solidified storage and multi-party secure computing, thereby achieving the technical effect of efficient and secure processing of public batch payments. Specifically, the batch payment application information is obtained and the user identity, account balance and transaction authority of the target user are determined. The above payment verification information and batch payment application information are solidified and stored in the blockchain network through the smart contract, including hash value and key. The hardware authentication information is encrypted with the key and uploaded to the blockchain network. A verification data packet is generated and fed back to the financial institution, and the financial institution performs public authentication verification to ensure the legality and security of the transaction. After the public authentication verification is passed, the financial institution receives the batch payment request initiated by the target user and executes the batch payment transaction in parallel through the blockchain network. The above parallel processing method greatly improves the payment processing speed and reduces the waiting time. The whole process is transparent and traceable, which effectively improves the efficiency and security of batch payment, and reduces the burden on the bank server. It solves the technical problem that public payment relies on hardware encryption equipment to ensure fund security in the related technology, resulting in low payment efficiency in batch payment scenarios.

[0107] The present invention is described below in conjunction with another optional embodiment.

[0108] Embodiment 2

[0109] An embodiment of the present invention further provides a blockchain-based batch payment device. It should be noted that the blockchain-based batch payment device of the embodiment of the present invention includes multiple implementation units, which can be used to execute the blockchain-based batch payment method provided in the above-mentioned embodiment one, and each implementation unit corresponds to each implementation step in the above-mentioned embodiment one.

[0110] Figure 6 is a schematic diagram of an optional blockchain-based batch payment device according to an embodiment of the present invention, such as Figure 6 As shown, the device may include: a determination unit 61, an upload unit 62, a verification unit 63, and a receiving unit 64.

[0111] The determination unit 61 is used to obtain batch payment application information, and determine the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information.

[0112] The uploading unit 62 is used to upload the payment verification information and the batch payment application information to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain a solidified result.

[0113] The verification unit 63 is used to upload the hardware authentication information of the target user to the target blockchain network based on the solidification result, and receive the verification data packet returned by the target blockchain network, and perform public authentication verification based on the verification data packet.

[0114] The receiving unit 64 is used to receive a batch payment request initiated by a target user when the public authentication verification is passed, and upload the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel and return the batch payment result, where N is a positive integer.

[0115] The above-mentioned blockchain-based batch payment device can first obtain batch payment application information through the determination unit 61, and determine the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information, and then upload the payment verification information and batch payment application information to the target blockchain network through the upload unit 62 to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract to obtain a solidified result, and then upload the hardware authentication information of the target user to the target blockchain network based on the solidified result through the verification unit 63, and receive the verification data packet returned by the target blockchain network, perform public authentication verification based on the verification data packet, and finally receive the batch payment request initiated by the target user through the receiving unit 64 if the public authentication verification passes, and upload the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel and return the batch payment result, wherein N is a positive integer.

[0116] In an embodiment of the present invention, blockchain technology is combined with smart contracts to achieve the purpose of improving batch payment efficiency while ensuring fund security through solidified storage and multi-party secure computing, thereby achieving the technical effect of efficient and secure processing of public batch payments. Specifically, batch payment application information is obtained and the user identity, account balance and transaction authority of the target user are determined. The above payment verification information and batch payment application information are solidified and stored in the blockchain network through smart contracts, including hash values ​​and keys. The hardware authentication information is encrypted using the key and uploaded to the blockchain network. A verification data packet is generated and fed back to the financial institution, which performs public authentication verification to ensure the legality and security of the transaction. After the public authentication verification is passed, the financial institution receives the batch payment request initiated by the target user and executes the batch payment transaction in parallel through the blockchain network. The above parallel processing method greatly improves the payment processing speed and reduces the waiting time. The whole process is transparent and traceable, which effectively improves the efficiency and security of batch payments, and reduces the burden on bank servers. This solves the technical problem that public payments rely on hardware encryption devices to ensure fund security in related technologies, resulting in low payment efficiency in batch payment scenarios.

[0117] Optionally, the determination unit includes: a first parsing module, used to parse batch payment application information to obtain user attribute data of the target user, wherein the user attribute data includes at least: user identity; a query module, used to query the local database of the financial institution based on the user identity to obtain query results, wherein the query results include at least one of the following: user registration information, historical transaction information, transaction permissions and account balance; a verification module, used to verify the user attribute data based on the query results to obtain payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in a corporate batch payment scenario.

[0118] Optionally, the upload unit includes: a format conversion module, used to convert the format of the verification information and the batch payment application information to obtain the input parameters of the smart contract, wherein the smart contract at least includes: a solidified storage executable program; an input module, used to input the input parameters into the smart contract, and the smart contract executes the solidified storage operation to obtain a first hash value and a first key, wherein the smart contract also includes: a hash calculation program and an encryption program, the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate a first key based on the first hash value; a first generation module, used to generate a solidified result based on the first hash value and the first key.

[0119] Optionally, the verification unit includes: an acquisition module for acquiring hardware authentication information of a target user; an encryption module for encrypting the hardware authentication information based on a first key in a solidification result to obtain encrypted authentication information, wherein the encrypted authentication information includes at least: a first hardware authentication information hash value; and a first upload module for uploading the encrypted authentication information to a target blockchain network.

[0120] Optionally, the blockchain-based batch payment device also includes: a decryption module, which is used to upload the hardware authentication information of the target user to the target blockchain network based on the solidified result, and the target blockchain network uses the first key stored in the solidified storage to decrypt the encrypted authentication information to obtain a decryption result; a checking module, which is used to confirm that the encrypted authentication information is valid when the decryption result indicates that the decryption is successful, and to check whether the decrypted authentication information in the decryption result is complete; a calculation module, which is used to perform hash calculation based on the decrypted authentication information when the decrypted authentication information is complete to obtain a hash value of the second hardware authentication information; a comparison module, which is used to compare the hash value of the first hardware authentication information and the hash value of the second hardware authentication information, and when the comparison result indicates that the two are consistent, confirm that the decrypted authentication information is valid, and generate a verification data packet based on the decrypted authentication information, the payment verification information stored in the target blockchain network, and the timestamp information.

[0121] Optionally, the upload unit also includes: a determination module, which is used to parse the batch payment requirements based on the batch payment application information before performing a solidified storage operation on the payment verification information and the batch payment application information based on the smart contract, and determine R transaction objects based on the batch payment requirements, where R is a positive integer; a second generation module, which is used to generate R blocks based on the R transaction objects, where each block is responsible for docking with one transaction object.

[0122] Optionally, the blockchain-based batch payment device also includes: a second parsing module, which is used to parse the batch payment request after receiving the batch payment request initiated by the target user, and obtain M corporate payment transaction orders and the transaction category of each corporate payment transaction order, where M is a positive integer; a grouping module, which is used to group all corporate payment transaction orders based on the transaction category to obtain T order groups, where T is a positive integer; a transmission module, which is used to obtain the node usage status of S distributed nodes of the financial institution server, and transmit the T order groups to the S distributed nodes based on the load balancing strategy and the node usage status, where S is a positive integer.

[0123] Optionally, the receiving unit includes: a third parsing module, used to parse the corporate payment transaction orders in the order group for each distributed node, and obtain the transaction object information involved in each corporate payment transaction order; a second uploading module, used to determine the target block based on the transaction object information for each corporate payment transaction order, and upload the payment request corresponding to the corporate payment transaction order to the target block.

[0124] It should be noted that the above-mentioned determination unit 61, upload unit 62, verification unit 63, and receiving unit 64 correspond to steps S201 to S204 in the first embodiment, and the above-mentioned units and corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above-mentioned modules or units may be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules or units may also be part of the device and may be run in the computer terminal 10 provided in the first embodiment.

[0125] The present invention is described below in conjunction with another optional embodiment.

[0126] Embodiment 3

[0127] An embodiment of the present invention may also provide an electronic device, Figure 7 is a structural block diagram of an electronic device for executing a batch payment method based on blockchain according to an embodiment of the present invention, such as Figure 7 As shown, the electronic device may include: one or more ( Figure 7 (only one is shown) processor 702, memory 704, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0128] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0129] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain batch payment application information, and determine the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information; upload the payment verification information and the batch payment application information to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain a solidified result; upload the hardware authentication information of the target user to the target blockchain network based on the solidified result, and receive the verification data packet returned by the target blockchain network, and perform public authentication verification based on the verification data packet; if the public authentication verification is passed, receive a batch payment request initiated by the target user, and upload the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel, and return the batch payment result, wherein N is a positive integer.

[0130] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: parse the batch payment application information to obtain the user attribute data of the target user, wherein the user attribute data includes at least: user identity; query the local database of the financial institution based on the user identity to obtain the query results, wherein the query results include at least one of the following: user registration information, historical transaction information, transaction authority and account balance; verify the user attribute data based on the query results to obtain payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in the public batch payment scenario.

[0131] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: convert the format of the verification information and batch payment application information to obtain the input parameters of the smart contract, wherein the smart contract at least includes: a solidified storage executable program; input the input parameters to the smart contract, and the smart contract executes the solidified storage operation to obtain a first hash value and a first key, wherein the smart contract also includes: a hash calculation program and an encryption program, the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate a first key based on the first hash value; based on the first hash value and the first key, a solidified result is generated.

[0132] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: obtain the hardware authentication information of the target user; encrypt the hardware authentication information based on the first key in the solidified result to obtain encrypted authentication information, wherein the encrypted authentication information at least includes: the first hardware authentication information hash value; upload the encrypted authentication information to the target blockchain network.

[0133] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the target blockchain network uses the first key stored in the fixed storage to decrypt the encrypted authentication information to obtain a decryption result; when the decryption result indicates that the decryption is successful, confirm that the encrypted authentication information is valid, and check whether the decrypted authentication information in the decryption result is complete; when the decrypted authentication information is complete, perform a hash calculation based on the decrypted authentication information to obtain a second hardware authentication information hash value; compare the first hardware authentication information hash value and the second hardware authentication information hash value, and when the comparison result indicates that the two are consistent, confirm that the decrypted authentication information is valid, and generate a verification data packet based on the decrypted authentication information, the payment verification information stored in the target blockchain network, and the timestamp information.

[0134] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: parse the batch payment requirements based on the batch payment application information, and determine R transaction objects based on the batch payment requirements, where R is a positive integer; generate R blocks based on the R transaction objects, where each block is responsible for connecting to one transaction object.

[0135] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: parse batch payment requests to obtain M corporate payment transaction orders and the transaction category of each corporate payment transaction order, where M is a positive integer; group all corporate payment transaction orders based on the transaction category to obtain T order groups, where T is a positive integer; obtain the node usage status of S distributed nodes of the financial institution server, and transmit the T order groups to the S distributed nodes based on the load balancing strategy and the node usage status, where S is a positive integer.

[0136] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: for each distributed node, parse the corporate payment transaction orders in the order group to obtain the transaction object information involved in each corporate payment transaction order; for each corporate payment transaction order, determine the target block based on the transaction object information, and upload the payment request corresponding to the corporate payment transaction order to the target block.

[0137] The embodiment of the present invention provides a batch payment method based on blockchain. The blockchain technology is combined with the smart contract, and the purpose of improving the efficiency of batch payment while ensuring the security of funds is achieved by means of solidified storage and multi-party secure computing, thereby achieving the technical effect of efficient and secure processing of public batch payment. Specifically, the batch payment application information is obtained and the user identity, account balance and transaction authority of the target user are determined. The above payment verification information and batch payment application information are solidified and stored in the blockchain network through the smart contract, including hash value and key. The hardware authentication information is encrypted with the key and uploaded to the blockchain network, and a verification data packet is generated and fed back to the financial institution. The financial institution performs public authentication verification to ensure the legality and security of the transaction. After the public authentication verification is passed, the financial institution receives the batch payment request initiated by the target user and executes the batch payment transaction in parallel through the blockchain network. The above parallel processing method greatly improves the payment processing speed, reduces the waiting time, and the whole process is transparent and traceable, which effectively improves the efficiency and security of batch payment, and reduces the burden on the bank server, thereby solving the technical problem that public payment relies on hardware encryption equipment to ensure fund security in the related technology, resulting in low payment efficiency in the batch payment scenario.

[0138] It can be understood by those skilled in the art that Figure 7 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 7 The structure of the electronic device is not limited. Figure 7 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 7 Different configurations are shown.

[0139] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0140] The present invention is described below in conjunction with another optional embodiment.

[0141] Embodiment 4

[0142] The embodiment of the present invention further provides a computer-readable storage medium. Optionally, in the embodiment of the present invention, the computer-readable storage medium can be used to store the program code executed by the blockchain-based batch payment method provided in the first embodiment.

[0143] Optionally, in an embodiment of the present invention, the above-mentioned storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0144] An embodiment of the present invention also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of a batch payment method based on blockchain: obtaining batch payment application information, and determining the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information; uploading the payment verification information and the batch payment application information to the target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidified storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain a solidified result; uploading the hardware authentication information of the target user to the target blockchain network based on the solidified result, and receiving a verification data packet returned by the target blockchain network, and performing a public authentication verification based on the verification data packet; if the public authentication verification passes, receiving a batch payment request initiated by the target user, and uploading the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel, and return the batch payment result, wherein N is a positive integer.

[0145] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0146] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0147] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0148] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0149] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0150] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0151] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A batch payment method based on blockchain, characterized in that: include: Obtaining batch payment application information, and determining the user identity, account balance and transaction authority of the target user based on the batch payment application information, and obtaining payment verification information; Uploading the payment verification information and the batch payment application information to a target blockchain network to obtain a solidification result, wherein the target blockchain network is used to perform a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result; Uploading the hardware authentication information of the target user to the target blockchain network based on the curing result, receiving a verification data packet returned by the target blockchain network, and performing a public authentication verification based on the verification data packet; If the public authentication verification is passed, a batch payment request initiated by the target user is received, and the batch payment request is uploaded to the target blockchain network. The N network nodes of the target blockchain network execute the batch payment transaction in parallel and return the batch payment result, where N is a positive integer.

2. The batch payment method according to claim 1, characterized in that: The step of determining the user identity, account balance and transaction authority of the target user based on the batch payment application information and obtaining payment verification information comprises: Parsing the batch payment application information to obtain user attribute data of the target user, wherein the user attribute data at least includes: the user identity; Based on the user identity, query the local database of the financial institution to obtain a query result, wherein the query result includes at least one of the following: user registration information, historical transaction information, the transaction authority and the account balance; The user attribute data is verified based on the query result to obtain the payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in a public batch payment scenario.

3. The batch payment method according to claim 1, characterized in that: The target blockchain network performs a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result, including: The verification information and the batch payment application information are formatted to obtain input parameters of the smart contract, wherein the smart contract at least includes: a solidified storage executable program; Input the input parameters to the smart contract, and the smart contract executes the solidified storage operation to obtain a first hash value and a first key, wherein the smart contract further includes: a hash calculation program and an encryption program, wherein the hash calculation program is used to generate a hash value of a specified length based on the input parameters, and the encryption program is used to generate the first key based on the first hash value; The curing result is generated based on the first hash value and the first key.

4. The batch payment method according to claim 3, characterized in that: The step of uploading the hardware authentication information of the target user to the target blockchain network based on the solidification result includes: Obtaining hardware authentication information of the target user; Encrypting the hardware authentication information based on the first key in the curing result to obtain encrypted authentication information, wherein the encrypted authentication information at least includes: a hash value of the first hardware authentication information; Upload the encrypted authentication information to the target blockchain network.

5. The batch payment method according to claim 4, characterized in that: After uploading the hardware authentication information of the target user to the target blockchain network based on the solidification result, the method further includes: The target blockchain network uses the first key stored in fixed form to decrypt the encrypted authentication information to obtain a decryption result; If the decryption result indicates that the decryption is successful, confirm that the encrypted authentication information is valid, and check whether the decrypted authentication information in the decryption result is complete; When the decrypted authentication information is complete, performing a hash calculation based on the decrypted authentication information to obtain a hash value of the second hardware authentication information; The first hardware authentication information hash value and the second hardware authentication information hash value are compared. When the comparison result indicates that the two are consistent, the decrypted authentication information is confirmed to be valid, and the verification data packet is generated based on the decrypted authentication information, the payment verification information solidified and stored in the target blockchain network, and the timestamp information.

6. The batch payment method according to claim 1, characterized in that: Before the target blockchain network performs a solidification storage operation on the payment verification information and the batch payment application information based on the smart contract, the target blockchain network further includes: Parsing a batch payment demand based on the batch payment application information, and determining R transaction objects based on the batch payment demand, where R is a positive integer; R blocks are generated based on the R transaction objects, wherein each block is responsible for docking with one transaction object.

7. The batch payment method according to claim 1, characterized in that: After receiving the batch payment request initiated by the target user, the method further includes: Parsing the batch payment request to obtain M public payment transaction orders and a transaction category of each public payment transaction order, where M is a positive integer; Grouping all the corporate payment transaction orders based on the transaction category to obtain T order groups, where T is a positive integer; The node usage status of S distributed nodes of the financial institution server is obtained, and the T order groups are transmitted to the S distributed nodes based on the load balancing strategy and the node usage status, where S is a positive integer.

8. The batch payment method according to claim 7, characterized in that: The step of uploading the batch payment request to the target blockchain network comprises: For each of the distributed nodes, parsing the corporate payment transaction orders in the order group to obtain transaction object information involved in each of the corporate payment transaction orders; For each of the corporate payment transaction orders, a target block is determined based on the transaction object information, and a payment request corresponding to the corporate payment transaction order is uploaded to the target block.

9. A batch payment device based on blockchain, characterized in that: include: A determination unit, configured to obtain batch payment application information, and determine the user identity, account balance and transaction authority of the target user based on the batch payment application information to obtain payment verification information; An uploading unit, used to upload the payment verification information and the batch payment application information to a target blockchain network to obtain a solidification result, wherein the target blockchain network is used to perform a solidification storage operation on the payment verification information and the batch payment application information based on a smart contract to obtain the solidification result; A verification unit, configured to upload the hardware authentication information of the target user to the target blockchain network based on the curing result, receive a verification data packet returned by the target blockchain network, and perform public authentication verification based on the verification data packet; The receiving unit is used to receive the batch payment request initiated by the target user when the public authentication verification is passed, and upload the batch payment request to the target blockchain network, and the N network nodes of the target blockchain network execute the batch payment transaction in parallel and return the batch payment result, where N is a positive integer.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the blockchain-based batch payment method according to any one of claims 1 to 8.

11. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the blockchain-based batch payment method as described in any one of claims 1 to 8.

12. A computer program product, characterized in that The method comprises computer instructions, wherein when the computer instructions are executed by a processor, the steps of the blockchain-based batch payment method described in any one of claims 1 to 8 are implemented.

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