Blockchain-based bulk payment methods, devices, electronic equipment, and storage media

Abstract

This application discloses a blockchain-based bulk payment method, apparatus, electronic device, and storage medium, relating to the field of blockchain technology or other related fields. The method includes: acquiring bulk payment application information and determining the target user's payment verification information based on the bulk payment application information; uploading the payment verification information and bulk payment application information to a target blockchain network to obtain a solidified result; uploading the target user's hardware authentication information to the target blockchain network and receiving a verification data packet, performing a corporate authentication verification based on the verification data packet; if the corporate authentication verification is successful, receiving a bulk payment request initiated by the target user and uploading it to the target blockchain network, whereby the target blockchain network executes the bulk payment transaction and returns the bulk payment result. This application solves the technical problem in related technologies where corporate payments rely on hardware encryption devices to ensure fund security, leading to low payment efficiency in bulk payment scenarios.

Description

Technical Field

[0001] This invention relates to the field of blockchain technology or other related fields. Specifically, it relates to a blockchain-based batch payment method and apparatus, electronic device, and storage medium. Background Technology

[0002] As blockchain technology continues to develop and mature, its advantages in improving the security, privacy, traceability, and execution efficiency of payment verification information and batch payment application information are becoming increasingly prominent. Among these advantages, the solidified storage of payment verification information and batch payment application information, as well as the encrypted uploading and verification of hardware authentication information, have become prerequisites for blockchain networks to execute batch payment transactions.

[0003] However, in related technologies, the solid storage of payment verification information and batch payment application information, as well as the encrypted uploading and verification mechanism of hardware authentication information, are complex and time-consuming. Therefore, the efficiency of solid storage of payment verification information and batch payment application information, and the efficiency of encrypted uploading and verification of hardware authentication information are low, which affects the execution efficiency of batch payments.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

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

[0006] To achieve the above objectives, according to one aspect of this application, a blockchain-based bulk payment method is provided. The method includes: acquiring bulk payment application information, and determining the target user's identity, account balance, and transaction permissions based on the bulk payment application information to obtain payment verification information; uploading the payment verification information and the bulk payment application information to a target blockchain network to obtain a solidified result, wherein the target blockchain network is used to perform a solidification storage operation on the payment verification information and the bulk payment application information based on a smart contract to obtain the solidified result; uploading the target user's hardware authentication information to the target blockchain network based on the solidified result, and receiving a verification data packet returned by the target blockchain network, performing a public authentication verification based on the verification data packet; if the public authentication verification passes, receiving a bulk payment request initiated by the target user, uploading the bulk payment request to the target blockchain network, and having N network nodes of the target blockchain network execute the bulk payment transaction in parallel, returning a bulk payment result, where N is a positive integer.

[0007] Further, the step of determining the target user's identity, account balance, and transaction permissions based on the batch payment application information to obtain payment verification information includes: parsing the batch payment application information to obtain the target user's user attribute data, wherein the user attribute data includes at least: the user identity; querying the financial institution's local database 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, the transaction permissions, and the account balance; verifying the user attribute data based on the query results 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] Further, the step of the target blockchain network performing 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 includes: 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 having the smart contract execute the solidification 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, the hash calculation program being used to generate a hash value of a specified length based on the input parameters, and the encryption program being used to generate the first key based on the first hash value; and generating the solidification result based on the first hash value and the first key.

[0009] Further, 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 includes at least: a first hardware authentication information hash value; and uploading the encrypted authentication information to the target blockchain network.

[0010] Furthermore, after uploading the target user's hardware authentication information to the target blockchain network based on the solidified result, the method further includes: the target blockchain network using the solidified stored first key to decrypt the encrypted authentication information to obtain a decryption result; if the decryption result indicates successful decryption, confirming the validity of the encrypted authentication information and checking whether the decrypted authentication information in the decryption result is complete; if 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 if the comparison result indicates that they are consistent, confirming the validity of the decrypted authentication information, and generating the verification data packet based on the decrypted authentication information, the payment verification information solidified in the target blockchain network, 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 further includes: parsing the batch payment request based on the batch payment application information, and determining R transaction objects based on the batch payment request, where R is a positive integer; generating R blocks based on the R transaction objects, where each block is responsible for connecting to one of the transaction objects.

[0012] Furthermore, after receiving the batch payment request initiated by the target user, the method further 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.

[0013] Further, the step of uploading the batch payment request to the target blockchain network includes: for each of the distributed nodes, parsing 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, 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] To achieve the above objectives, according to another aspect of this application, a blockchain-based bulk payment device is also provided. This device includes: a determining unit, configured to acquire bulk payment application information and determine the user identity, account balance, and transaction permissions of a target user based on the bulk payment application information, thereby obtaining payment verification information; an uploading unit, configured to upload the payment verification information and the bulk payment application information to a target blockchain network to obtain a solidified result, wherein the target blockchain network is configured to perform a solidification storage operation on the payment verification information and the bulk payment application information based on a smart contract to obtain the solidified result; a verification unit, configured to upload the target user's hardware authentication information to the target blockchain network based on the solidified result, and receive a verification data packet returned by the target blockchain network, performing public authentication verification based on the verification data packet; and a receiving unit, configured to receive a bulk payment request initiated by the target user if the public authentication verification is successful, and upload the bulk payment request to the target blockchain network, where N network nodes of the target blockchain network execute the bulk payment transaction in parallel, returning a bulk payment result, where N is a positive integer.

[0015] Further, the determining 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 includes at least: the user identity; a query module, used to query the local database of a 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, the transaction permissions, and the account balance; and 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.

[0016] Further, the upload unit includes: a format conversion module, used to convert the verification information and the batch payment application information into formats to obtain the input parameters of the smart contract, wherein the smart contract includes at least: a fixed storage executable program; an input module, used to input the input parameters into the smart contract, and the smart contract executes the fixed 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, 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; and a first generation module, used to generate the fixed 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 includes at least: a first hardware authentication information hash value; and a first upload module for uploading the encrypted authentication information to the target blockchain network.

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

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

[0020] Furthermore, the blockchain-based batch payment device further includes: a second parsing module, configured to parse the batch payment request initiated by the target user after receiving the request, to 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, configured to group all the corporate payment transaction orders based on the transaction category to obtain T order groups, where T is a positive integer; and a transmission module, configured to obtain the node usage status of S distributed nodes of the financial institution's server, and transmit the T order groups to the S distributed nodes based on a load balancing strategy and the node usage status, where S is a positive integer.

[0021] Furthermore, the receiving unit includes: a third parsing module, used to parse the corporate payment transaction orders in the order group for each of the distributed nodes to obtain the transaction object information involved in each corporate payment transaction order; and 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.

[0022] To achieve the above objectives, according to another aspect of this application, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein, when the computer program is executed, it controls the device where the computer-readable storage medium is located to perform any of the blockchain-based bulk payment methods described above.

[0023] To achieve the above objectives, according to another aspect of this application, an electronic device is also provided, including one or more processors and a memory, the memory being 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 cause the one or more processors to implement the blockchain-based bulk payment method described in any of the above claims.

[0024] This invention proposes a blockchain-based batch payment method. First, batch payment application information is obtained. Based on this information, the target user's identity, account balance, and transaction permissions are determined, resulting in payment verification information. Then, the payment verification information and batch payment application information are uploaded to the target blockchain network to obtain a solidified result. The target blockchain network is used to perform a solidification storage operation on the payment verification information and batch payment application information based on a smart contract, obtaining a solidified result. Next, based on the solidified result, the target user's hardware authentication information is uploaded to the target blockchain network, and a verification data packet returned by the target blockchain network is received. Public authentication verification is performed based on the verification data packet. Finally, if the public authentication verification passes, a batch payment request initiated by the target user is received and uploaded to the target blockchain network. The batch payment transaction is then executed in parallel by N network nodes of the target blockchain network, returning the batch payment result, where N is a positive integer.

[0025] This invention employs blockchain technology combined with smart contracts. Through fixed storage and multi-party secure computation, it achieves the goal of improving the efficiency of batch payments while ensuring fund security. This results in efficient and secure processing of corporate batch payments. Specifically, it acquires batch payment application information and determines the target user's identity, account balance, and transaction permissions. A smart contract then performs a fixed storage operation on the aforementioned payment verification information and batch payment application information on the blockchain network, including hash values ​​and keys. Hardware authentication information is encrypted using the key and uploaded to the blockchain network, generating a verification data packet which is then sent to the financial institution for corporate authentication verification. This ensures the legality and security of the transaction. After successful corporate authentication verification, 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. This parallel processing method significantly improves payment processing speed, reduces waiting time, and ensures the entire process is transparent and traceable, effectively enhancing the efficiency and security of batch payments while reducing the burden on bank servers. This solves the technical problem in related technologies where corporate payments rely on hardware encryption devices to ensure fund security, leading to low payment efficiency in batch payment scenarios. Attached Figure Description

[0026] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

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

[0028] Figure 2 This is a flowchart of an optional blockchain-based bulk payment method according to an embodiment of the present invention;

[0029] Figure 3 This is an operation flowchart of an optional fixed-storage executable program according to an embodiment of the present invention;

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

[0031] Figure 5 This 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 This is a schematic diagram of an optional blockchain-based bulk payment device according to an embodiment of the present invention;

[0033] Figure 7This is a structural block diagram of an electronic device that executes a blockchain-based bulk payment method according to an embodiment of the present invention. Detailed Implementation

[0034] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort 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, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0036] To facilitate understanding of the present invention by those skilled in the art, some terms or nouns involved in the various 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, a timestamp, and the hash value of the previous block. It has the characteristics of decentralization, immutability, and transparency, making it an ideal platform for financial transactions, data storage, and smart contract execution.

[0038] A smart contract is a computer program that automatically executes contract terms and runs on a blockchain network to automatically and transparently execute complex business logic, such as the fixed storage operation of payment verification information and batch payment application information in this invention.

[0039] It should be noted that the blockchain-based bulk payment method and apparatus in this application can be used in the field of blockchain technology for efficient and secure processing of corporate bulk payment transactions, and can also be used in any field other than blockchain technology for efficient and secure processing of corporate bulk payment transactions. This application does not limit the application field of the blockchain-based bulk payment method and apparatus.

[0040] It should be noted that all 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, and displayed data) involved in this application are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, processing, transmission, provision, disclosure, use, and handling of such data comply with the laws, regulations, and standards of the relevant regions, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding access points are provided for users to choose to authorize or refuse access. For example, this system has interfaces with relevant users or organizations. Before obtaining relevant information, a request to obtain the information needs to be sent to the aforementioned user or organization through the interface, and the relevant information is obtained only after receiving consent from the aforementioned user or organization.

[0041] The information collection (e.g., user voice, video, and text collection) and analysis operations involved in this application have provided users with corresponding operation entry points during execution, allowing users to choose to agree to or reject the automated decision results; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0042] The following embodiments of the present invention can be applied to various systems / applications / devices that require bulk corporate authentication and bulk payment processing, enabling secure, efficient, and automated processing of bulk corporate payments. The present invention uses blockchain technology for the fixed storage of payment verification information, and then uses smart contract technology to automatically invoke hardware authentication information to complete bulk payment transactions with the bank. This better combines the advantages of hardware security and software automation, ensuring the accuracy and speed of bulk payment operations.

[0043] The present invention will now be described in detail with reference to various embodiments.

[0044] Example 1

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

[0046] The method embodiment provided in Embodiment 1 of the present invention can be executed in a mobile terminal, computer terminal or similar computing device. Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a blockchain-based bulk payment method is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), 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 a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0047] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination 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 blockchain-based batch payment method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned blockchain-based batch payment method. The memory 104 may include high-speed random access memory, and may also include 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 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0049] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

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

[0051] Under the above operating environment, the present invention provides, as follows: Figure 2 The blockchain-based bulk payment method shown is implemented by financial institutions or payment processing systems. It combines blockchain technology for corporate bulk payment scenarios, and in particular, it solves the problem of low payment efficiency caused by the reliance on hardware encryption devices in existing technologies by using fixed storage, smart contracts and multi-party secure computation.

[0052] The embodiments of the present invention will now be described in detail with reference to each specific step.

[0053] Figure 2 This is a flowchart of an optional blockchain-based bulk payment method according to an embodiment of the present invention, such as... Figure 2 As shown, the method includes the following steps:

[0054] Step S201: Obtain batch payment application information, and determine the target user's identity, account balance, and transaction permissions based on the batch payment application information to obtain payment verification information.

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

[0056] The target user refers to the enterprise or organization that initiates the bulk payment application. The purpose of determining the user's identity is to confirm whether the user is a legitimate applicant and the user's specific account information in the financial institution. In this invention, the enterprise 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 business registration information) to ensure that the subject of the payment operation is real and legitimate.

[0057] Account balance checks ensure that the target user's corporate account has sufficient funds to complete bulk payment operations, preventing account overdrafts or illegal fund transfers. Transaction permissions refer to the restrictions on the target user's authority when initiating bulk payments, including but not limited to: daily payment limits, monthly payment limits, and payment type restrictions (such as whether interbank payments are allowed). Financial institutions need to ensure that target users are authorized to conduct such bulk payment operations to prevent unauthorized or excessive transactions and ensure fund security. Payment verification information is generated based on the results of the above checks (user identity verification, account balance check, and transaction permission confirmation) and is used to confirm whether the application meets the payment conditions and security requirements.

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

[0059] Optionally, the step of determining the target user's identity, account balance, and transaction permissions based on the bulk payment application information to obtain payment verification information includes: parsing the bulk payment application information to obtain the target user's user attribute data, wherein the user attribute data includes at least: user identity; querying the financial institution's local database 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; 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 bulk payment scenario.

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

[0061] It should be noted that the local database stores key data such as registration information, historical transaction records, transaction permission settings, and account balances for all customers of financial institutions. Query results will include detailed information about the target user. User registration information includes the company registration number, company name, registered address, and contact information, used to verify the authenticity of the user's identity. Historical transaction information records all of the user's past transactions, including transaction amount, transaction date, and transaction counterparty, used to analyze the compliance and risk of the user's transaction behavior. Transaction permissions refer to the transaction restrictions set by the user in their account with the financial institution, such as single payment limits, daily cumulative payment limits, and monthly cumulative payment limits, used to confirm whether the user is authorized to perform the current batch payment operation. The account balance represents the total amount of funds currently available in the user's account, used to confirm whether the account has sufficient funds to complete the batch payment.

[0062] An optional step of verifying user attribute data based on query results to obtain payment verification information includes: user identity verification, i.e., confirming the accuracy of the user's identity by comparing the user's registration information and the user attribute data in the application; account balance check, i.e., confirming whether the account balance exceeds or equals the total amount of the batch payment to determine if the account is overdrawn; and transaction permission confirmation, i.e., checking transaction permission information to confirm whether the batch payment request is within the user's transaction permission scope to prevent payment behavior exceeding permissions. If all the above verifications pass, the payment verification information is determined to be trustworthy for the target user in a corporate batch payment scenario, and subsequent payment processing can proceed securely.

[0063] Alternatively, verification codes or status indicators can be used to represent payment verification information. The method of comparing verification codes or confirmation status indicators can be used to determine whether to allow batch payment operations.

[0064] Through the above steps, this embodiment of the invention ensures that only strictly verified and authorized users can initiate payment requests in corporate bulk payment scenarios, effectively preventing unauthorized users or operations, thereby improving the security and reliability of payments. Simultaneously, automated verification and processing significantly improve the efficiency of corporate bulk payments, reducing errors and time consumption caused by manual intervention.

[0065] Step S202: Upload the payment verification information and batch payment application information to the target blockchain network to obtain the solidified result. The target blockchain network is used to perform solidification storage operations on the payment verification information and batch payment application information based on the smart contract to obtain the solidified result.

[0066] After verifying user identity, account balance, and transaction permissions in the previous stage, the financial institution uploads the generated payment verification information, along with the original bulk payment application information, to the target blockchain network in the form of a data packet. The target blockchain network is a blockchain system specifically designed or selected for corporate bulk payment scenarios, providing a high level of data security, transparency, and immutability, and serving as the foundation for implementing smart contracts and fixed storage operations.

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

[0068] Optionally, the target blockchain network performs a solidification storage operation on payment verification information and batch payment application information based on a smart contract to obtain a solidified result. This step includes: converting the verification information and batch payment application information into a format to obtain input parameters for the smart contract, wherein the smart contract at least includes a solidification storage executable program; inputting the input parameters into the smart contract, which then performs the solidification 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, the hash calculation program generating a hash value of a specified length based on the input parameters, and the encryption program generating a first key based on the first hash value; and generating a solidified result based on the first hash value and the first key.

[0069] Alternatively, payment verification information and bulk payment request information can be formatted before being uploaded to the blockchain network to adapt to the input parameter requirements of the smart contract. Formatting conversion includes, but is not limited to: data type conversion (e.g., converting strings to byte streams), 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 smart contracts contain a fixed storage executable program, which defines the logic and process of fixed data storage, ensuring that payment verification information and batch payment application information are correctly and securely stored on the blockchain.

[0071] Figure 3 This is an operation flowchart of an optional fixed-store executable program according to an embodiment of the present invention, such as... Figure 3 As shown, the program includes the following operations:

[0072] S301, Verify input parameters. It should be noted that verifying input parameters means checking whether the uploaded information conforms to the preset format and requirements, such as whether the data packet contains all the necessary fields.

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

[0074] It's important to note that the smart contract also includes a hash calculation program, used to generate hash values ​​of a specified length based on input parameters. A hash value is a fixed-length string representing data of arbitrary length and possesses extremely high uniqueness and irreversibility. The hash calculation program converts payment verification information and bulk payment application information into hash values ​​and records them in the blockchain's transaction log to verify the originality and integrity of the data.

[0075] It should be noted that the smart contract also includes an encryption procedure used to generate a first key based on the generated first hash value. This first key is used for subsequent data decryption and access control. The encryption procedure employs symmetric or asymmetric encryption algorithms to ensure the generated key has a high degree of security, preventing unauthorized access and data leakage.

[0076] The embodiments of the present invention ensure 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, and generate the first hash value and the first key, providing 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 the solidification and storage operation on payment verification information and batch payment application information based on smart contracts, it further includes: parsing batch payment requirements based on batch payment application information, and determining R transaction objects based on 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.

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

[0079] An optional process for identifying transaction objects includes: transaction object identification, transaction object verification, and transaction object grouping.

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

[0081] 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 a block is the basic unit for storing transaction information in a blockchain. Each block contains the transaction records of the current block and the hash value of the previous block, ensuring the continuity and security of the blockchain. Figure 4 This is a schematic diagram of an optional block generation process according to an embodiment of the present invention. As shown in the figure, the block generation process includes: transaction record encapsulation, block creation, hash chain construction, block broadcasting, and consensus verification.

[0083] It should be noted that transaction record encapsulation refers to encapsulating relevant payment information into a transaction record for each transaction object, including but not limited to: payment amount, payment date, and account information of the transaction object; block creation refers to adding each transaction record to a newly created block, with each block corresponding to a transaction object; hash chain construction refers to calculating the hash value of the current block after block creation and linking it with the hash value of the previous block to form a hash chain of blocks, ensuring the continuity between blocks and the immutability of data; block broadcasting refers to broadcasting a block to all nodes through the blockchain network once it is created and linked, for consensus verification and storage; consensus verification refers to the nodes in the blockchain network verifying the validity and consistency of all blocks according to a preset consensus mechanism, ensuring compliance with blockchain rules and standards.

[0084] This invention achieves 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 traceability and auditing of payment information more convenient, and enhancing the transparency and credibility of the payment process.

[0085] Step S203: Based on the solidification result, upload the target user's hardware authentication information to the target blockchain network, and 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 includes at least: the hash value of the first hardware authentication information; and uploading the encrypted authentication information to the target blockchain network.

[0087] In the process of obtaining the hardware authentication information of the target user, the user is allowed to prove that he / she is the legitimate initiator of the bulk payment application through identity verification, and the hardware authentication device is connected to the payment system. The financial institution's payment system 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.

[0088] Optionally, after uploading the target user's hardware authentication information to the target blockchain network based on the solidified result, the method further includes: the target blockchain network using the solidified first key to decrypt the encrypted authentication information to obtain a decryption result; if the decryption result indicates successful decryption, confirming the validity of the encrypted authentication information and checking whether the decrypted authentication information in the decryption result is complete; if 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 if the comparison result indicates that they are consistent, confirming the validity of the decrypted authentication information, and generating a verification data packet based on the decrypted authentication information, the payment verification information solidified in the target blockchain network, and the timestamp information.

[0089] It should be noted that after confirming the validity of the hardware authentication information, the smart contract generates a verification data package based on the decrypted authentication information, the fixed-stored payment verification information, and the timestamp information. Figure 5 This 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] Data integration refers to combining the decrypted hardware authentication information, payment verification information, and timestamp information into a single data packet. Verification data generation involves generating verification data based on the integrated data, including verification status, verification time, hardware authentication information digest, and payment verification information digest. Data packet encryption involves the smart contract using a preset encryption algorithm to encrypt the verification data packet to protect its privacy, generating an encrypted verification data packet. Data packet broadcasting involves broadcasting the encrypted verification data packet to all nodes in the blockchain network for consensus verification and storage. Consensus verification involves all nodes verifying the validity and consistency of the verification data packet according to the consensus mechanism, ensuring compliance with blockchain rules. Storage result feedback involves generating a storage result feedback once the verification data packet passes consensus verification, indicating that the verification data packet has been successfully stored.

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

[0092] This invention utilizes encryption and smart contract technologies to securely upload, decrypt, verify, and generate verification data packets for target user hardware authentication information, providing a secure, efficient, and compliant processing flow for bulk corporate payments. The encryption and decryption processes ensure secure data transmission, while the generation of verification data packets and consensus verification further validate the legality and security of the payment operation, providing a solid foundation for the smooth execution of bulk payments.

[0093] Step S204: If the public authentication verification is successful, receive the batch payment request initiated by the target user and upload the batch payment request 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 corporate authentication verification is successful, it indicates that the user is authorized to perform bulk payment operations and that the hardware authentication information is valid. At this point, the payment system or financial institution will receive the bulk payment request initiated by the target user. The bulk payment request contains multiple payment instructions, each corresponding to a payee (transaction counterparty) and a payment amount.

[0095] Optionally, after receiving the batch payment request initiated by the target user, the method further 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's 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. Each transaction order is labeled with a specific transaction category, such as salary payment, supplier payment, tax payment, etc.

[0097] To improve processing efficiency and resource allocation, all corporate payment transaction orders will be grouped according to transaction category, where T represents the number of groups. The purpose of grouping is to process similar payment orders together; for example, all payroll orders can be grouped together, and all supplier payment orders can be grouped together. This facilitates the subsequent allocation of appropriate distributed nodes for processing, achieving efficient resource utilization and load balancing.

[0098] 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, i.e., the current processing workload and resource consumption of each node, to avoid assigning too many tasks to overloaded nodes; node health, i.e., checking the running status of nodes to ensure that nodes can execute tasks stably and avoiding assigning tasks to faulty or unstable nodes; and node capability, i.e., assessing the processing capacity and special functions of nodes, such as whether they support fast payments or have high concurrency processing capabilities, so as to assign suitable tasks to suitable nodes.

[0099] After understanding the node usage status, T order groups are allocated to S distributed nodes based on a load balancing strategy. The load balancing strategy includes the following operations: assigning order groups to the most suitable nodes based on their load and capacity to achieve efficient resource utilization; continuously monitoring node load and operating status during task execution and dynamically adjusting task allocation to ensure stable system operation; and promptly transferring tasks to other nodes in case of node failure or overload 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 the 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 payee information, payment amount, transaction type, etc.

[0102] Each payment transaction order will determine the target block based on the recipient's transaction object information. Since a 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 the target block is determined, the distributed nodes upload the payment request corresponding to the corporate 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 and store it in the target block to generate an immutable payment record.

[0104] This invention, through the aforementioned steps, achieves efficient processing and secure execution of batch payment requests. Provided the public authentication verification is passed, the batch payment requests are parsed and grouped, then distributed to distributed nodes for processing based on a 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, secure storage and processing of payment data are achieved. This distributed processing method not only improves payment efficiency but also enhances system stability and security, providing an efficient, secure, and compliant execution environment for public batch payments.

[0105] Through steps S201 to S204 above, batch payment application information can be obtained first, and the user identity, account balance, and transaction permissions of the target user can be determined based on the batch payment application information to obtain payment verification information. Then, the payment verification information and batch payment application information are uploaded to the target blockchain network to obtain a solidified result. The target blockchain network is used to perform solidification storage operations on the payment verification information and batch payment application information based on smart contracts to obtain a solidified result. Then, based on the solidified result, the hardware authentication information of the target user is uploaded to the target blockchain network, and the verification data packet returned by the target blockchain network is received. 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 uploaded to the target blockchain network. The batch payment transaction is executed in parallel by N network nodes of the target blockchain network, and the batch payment result is returned, where N is a positive integer.

[0106] In this embodiment of the invention, blockchain technology combined with smart contracts is used to improve the efficiency of batch payments while ensuring fund security through solidified storage and multi-party secure computation. This achieves the technical effect of efficient and secure processing of corporate batch payments. Specifically, batch payment application information is obtained, and the user identity, account balance, and transaction permissions of the target user are determined. Through smart contracts, the above-mentioned payment verification information and batch payment application information are solidified and stored in the blockchain network, including hash values ​​and keys. Hardware authentication information is encrypted using the key and uploaded to the blockchain network, generating a verification data packet which is fed back to the financial institution. The financial institution performs corporate authentication verification to ensure the legality and security of the transaction. After the corporate 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 waiting time, and the whole process is transparent and traceable, effectively improving the efficiency and security of batch payments. At the same time, it reduces the burden on bank servers, thereby solving the technical problem in related technologies where corporate payments rely on hardware encryption devices to ensure fund security, resulting in low payment efficiency in batch payment scenarios.

[0107] The invention will now be described in conjunction with another alternative embodiment.

[0108] Example 2

[0109] This invention also provides a blockchain-based batch payment device. It should be noted that the blockchain-based batch payment device of this invention includes multiple implementation units, which can be used to execute the blockchain-based batch payment method provided in Embodiment 1 above. Each implementation unit corresponds to each implementation step in Embodiment 1 above.

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

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

[0112] Upload unit 62 is used to upload payment verification information and batch payment application information to the target blockchain network to obtain solidified results. The target blockchain network is used to perform solidification storage operations on payment verification information and batch payment application information based on smart contracts to obtain solidified results.

[0113] Verification unit 63 is used to upload the target user's hardware authentication information 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 the batch payment request initiated by the target user after the public authentication verification is passed, and upload the batch payment request to the target blockchain network. The batch payment transaction is executed in parallel by N network nodes of the target blockchain network, and the batch payment result is returned, where N is a positive integer.

[0115] The aforementioned blockchain-based bulk payment device first obtains bulk payment application information through the determining unit 61, and determines the target user's identity, account balance, and transaction permissions based on the bulk payment application information to obtain payment verification information. Then, the uploading unit 62 uploads the payment verification information and bulk payment application information to the target blockchain network to obtain a solidified result. The target blockchain network is used to perform solidification storage operations on the payment verification information and bulk payment application information based on smart contracts to obtain a solidified result. Then, the verification unit 63 uploads the target user's hardware authentication information to the target blockchain network based on the solidified result and receives the verification data packet returned by the target blockchain network. Based on the verification data packet, a public authentication verification is performed. Finally, the receiving unit 64 receives the bulk payment request initiated by the target user if the public authentication verification is passed, and uploads the bulk payment request to the target blockchain network. The N network nodes of the target blockchain network execute the bulk payment transaction in parallel and return the bulk payment result, where N is a positive integer.

[0116] In this embodiment of the invention, blockchain technology combined with smart contracts is used to improve the efficiency of batch payments while ensuring fund security through solidified storage and multi-party secure computation. This achieves the technical effect of efficient and secure processing of corporate batch payments. Specifically, batch payment application information is obtained and the user identity, account balance, and transaction permissions of the target user are determined. Through smart contracts, the above-mentioned payment verification information and batch payment application information are solidified and stored in the blockchain network, including hash values ​​and keys. Hardware authentication information is encrypted using the key and uploaded to the blockchain network, generating a verification data packet which is fed back to the financial institution. The financial institution performs corporate authentication verification to ensure the legality and security of the transaction. After the corporate 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 waiting time, and the whole process is transparent and traceable, effectively improving the efficiency and security of batch payments. At the same time, it reduces the burden on bank servers, thereby solving the technical problem in related technologies where corporate payments rely on hardware encryption devices to ensure fund security, resulting in low payment efficiency in batch payment scenarios.

[0117] Optionally, the determining unit includes: a first parsing module, used to 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; 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; and 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 the corporate batch payment scenario.

[0118] Optionally, the upload unit includes: a format conversion module for converting the verification information and batch payment application information into formats to obtain input parameters for the smart contract, wherein the smart contract includes at least: a fixed storage executable program; an input module for inputting the input parameters into the smart contract, which then performs a fixed 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 generates a hash value of a specified length based on the input parameters, and the encryption program generates a first key based on the first hash value; and a first generation module for generating a fixed result based on the first hash value and the first key.

[0119] Optionally, 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 solidified result to obtain encrypted authentication information, wherein the encrypted authentication information includes at least: a hash value of the first hardware authentication information; and a first upload module for uploading the encrypted authentication information to the target blockchain network.

[0120] Optionally, the blockchain-based bulk payment device further includes: a decryption module, used to decrypt the encrypted authentication information using a first key stored in the target blockchain network after the hardware authentication information of the target user is uploaded to the target blockchain network based on the solidified result, to obtain a decryption result; a checking module, used to confirm the validity of the encrypted authentication information and check whether the decrypted authentication information in the decryption result is complete if the decryption result indicates successful decryption; a calculation module, used to perform a hash calculation based on the decrypted authentication information to obtain a hash value of the second hardware authentication information if the decrypted authentication information is complete; and a comparison module, used to compare the hash value of the first hardware authentication information and the hash value of the second hardware authentication information, and to confirm the validity of the decrypted authentication information if the comparison result indicates that the two are consistent, and to 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 further includes: a determination module, used to parse the batch payment request based on the batch payment request and determine R transaction objects based on the batch payment request before performing the solidification storage operation on the payment verification information and batch payment application information based on the smart contract; and a second generation module, used to generate R blocks based on the R transaction objects, wherein each block is responsible for connecting to one transaction object.

[0122] Optionally, the blockchain-based bulk payment device further includes: a second parsing module, used to parse the bulk payment request after receiving it from the target user, to 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, used to group all corporate payment transaction orders based on the transaction category, to obtain T order groups, where T is a positive integer; and a transmission module, used to obtain the node usage status of S distributed nodes of the financial institution's 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 to obtain the transaction object information involved in each corporate payment transaction order; and 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 aforementioned determining unit 61, uploading unit 62, verification unit 63, and receiving unit 64 correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by these units and their corresponding steps are the same, but they are not limited to the content disclosed in Embodiment 1. It should also be noted that the aforementioned modules or units can be hardware or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). These modules or units can also run as part of a device in the computer terminal 10 provided in Embodiment 1.

[0125] The invention will now be described in conjunction with another alternative embodiment.

[0126] Example 3

[0127] The present invention can also provide an electronic device. Figure 7 This is a structural block diagram of an electronic device that executes a blockchain-based bulk payment method 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 of the following is shown: processor 702, memory 704, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module, and display.

[0128] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include 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 memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0129] The processor can access information and applications stored in memory via a transmission device to execute the following steps: Obtain batch payment application information, and determine the target user's identity, account balance, and transaction permissions based on the batch payment application information to obtain payment verification information; 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 solidification storage operations on the payment verification information and batch payment application information based on a smart contract to obtain a solidified result; Based on the solidified result, upload the target user's hardware authentication information to the target blockchain network, and receive the verification data packet returned by the target blockchain network, performing public authentication verification based on the verification data packet; If the public authentication verification passes, receive the batch payment request initiated by the target user, upload the batch payment request to the target blockchain network, and have N network nodes of the target blockchain network execute the batch payment transaction in parallel, returning the batch payment result, where N is a positive integer.

[0130] The processor can also invoke information and applications stored in the memory via a transmission device to perform the following steps: parsing 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; 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 permissions, 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 the corporate batch payment scenario.

[0131] The processor can also invoke information and applications stored in the memory via a transmission device to perform the following steps: converting the verification information and batch payment application information into formats to obtain input parameters for the smart contract, wherein the smart contract includes at least: a fixed-store executable program; inputting the input parameters into the smart contract, which then performs a fixed-store 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, 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 a first key based on the first hash value; and generating a fixed result based on the first hash value and the first key.

[0132] The processor can also access information and applications stored in the memory via a 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 solidification result to obtain encrypted authentication information, wherein the encrypted authentication information includes at least: the hash value of the first hardware authentication information; and upload the encrypted authentication information to the target blockchain network.

[0133] The processor can also invoke information and applications stored in the memory via the transmission device to perform the following steps: the target blockchain network uses the first key stored in the fixed memory to decrypt the encrypted authentication information to obtain the decryption result; if the decryption result indicates successful decryption, the encrypted authentication information is confirmed to be valid, and the completeness of the decrypted authentication information in the decryption result is checked; if the decrypted authentication information is complete, a hash calculation is performed based on the decrypted authentication information to obtain the hash value of the second hardware authentication information; the hash value of the first hardware authentication information and the hash value of the second hardware authentication information are compared, and if the comparison result indicates that the two are consistent, the decrypted authentication information is confirmed to be valid, and a verification data packet is generated based on the decrypted authentication information, the payment verification information stored in the fixed memory in the target blockchain network, and the timestamp information.

[0134] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: parse the batch payment request based on the batch payment application information, and determine R transaction objects based on the batch payment request, 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 access information and applications stored in the memory via the transmission device to perform the following steps: parse 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; 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 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] This invention provides a blockchain-based batch payment method. By combining blockchain technology with smart contracts, and through fixed storage and multi-party secure computation, it achieves the goal of improving batch payment efficiency while ensuring fund security. This results in efficient and secure processing of corporate batch payments. Specifically, it obtains batch payment application information and determines the target user's identity, account balance, and transaction permissions. Through smart contracts, it performs fixed storage operations on the aforementioned payment verification information and batch payment application information in the blockchain network, including hash values ​​and keys. Hardware authentication information is encrypted using the key and uploaded to the blockchain network, generating a verification data packet which is then sent to the financial institution for corporate authentication verification to ensure the legality and security of the transaction. After successful corporate authentication verification, 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. This parallel processing method significantly improves payment processing speed, reduces waiting time, and ensures the entire process is transparent and traceable, effectively improving the efficiency and security of batch payments while reducing the burden on bank servers. This solves the technical problem in related technologies where corporate payments rely on hardware encryption devices to ensure fund security, leading to low payment efficiency in batch payment scenarios.

[0138] Those skilled in the art will understand that Figure 7 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 7 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 7 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 7 The different configurations shown.

[0139] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0140] The invention will now be described in conjunction with another alternative embodiment.

[0141] Example 4

[0142] This invention also provides a computer-readable storage medium. Optionally, in this invention, the computer-readable storage medium can be used to store the program code executed by the blockchain-based bulk payment method provided in Embodiment 1.

[0143] Optionally, in this embodiment of the invention, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0144] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of a blockchain-based bulk payment method: obtaining bulk payment application information, and determining the target user's identity, account balance, and transaction permissions based on the bulk payment application information to obtain payment verification information; uploading the payment verification information and bulk payment application information to a 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 bulk payment application information based on a smart contract to obtain a solidified result; uploading the target user's hardware authentication information to the target blockchain network based on the solidified result, and receiving a verification data packet returned by the target blockchain network, and performing public authentication verification based on the verification data packet; if the public authentication verification is successful, receiving a bulk payment request initiated by the target user, uploading the bulk payment request to the target blockchain network, and having N network nodes of the target blockchain network execute the bulk payment transaction in parallel, returning the bulk payment result, wherein N is a positive integer.

[0145] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0146] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions 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. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

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

[0149] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0150] If the integrated unit is implemented as 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 this 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. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0151] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A blockchain-based bulk payment method, characterized in that, include: Obtain bulk payment application information, and determine the target user's identity, account balance, and transaction permissions based on the bulk payment application information to obtain payment verification information; The payment verification information and the batch payment application information are uploaded to a target blockchain network to obtain a solidified result. 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 solidified result. Specifically, this includes: converting the format of the verification information and the batch payment application information to obtain input parameters for the smart contract, wherein the smart contract at least includes a solidified storage executable program; inputting the input parameters into the smart contract, and having the smart contract execute the solidification 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, the hash calculation program generating a hash value of a specified length based on the input parameters, and the encryption program generating the first key based on the first hash value; and generating the solidified result based on the first hash value and the first key. Based on the solidification result, the hardware authentication information of the target user is uploaded to the target blockchain network, specifically including: 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 includes at least: a first hardware authentication information hash value; and uploading the encrypted authentication information to the target blockchain network. The target blockchain network uses the first key stored in a fixed location to decrypt the encrypted authentication information to obtain a decryption result. If the decryption result indicates successful decryption, the encrypted authentication information is confirmed to be valid, and the completeness of the decrypted authentication information in the decryption result is checked. If the decrypted authentication information is complete, a hash calculation is performed based on the decrypted authentication information to obtain a second hardware authentication information hash value. The first hardware authentication information hash value and the second hardware authentication information hash value are compared. If the comparison result indicates that they are consistent, the decrypted authentication information is confirmed to be valid, and a verification data packet is generated based on the decrypted authentication information, the payment verification information stored in the target blockchain network, and the timestamp information. The verification data packet returned by the target blockchain network is received, and a public authentication verification is performed based on the verification data packet. If the public authentication verification is successful, the system receives a batch payment request initiated by the target user and uploads the batch payment request to the target blockchain network. The N network nodes of the target blockchain network then 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 steps for determining the target user's identity, account balance, and transaction permissions based on the batch payment application information, and obtaining payment verification information, include: Parse the batch payment application information to obtain the user attribute data of the target user, wherein the user attribute data includes at least: the user identity; Based on the user's identity, a query is performed on the financial institution's local database to obtain query results, wherein the query results include at least one of the following: user registration information, historical transaction information, the transaction permissions, and the account balance; The user attribute data is verified based on the query results to obtain the payment verification information, wherein the payment verification information is used to indicate whether the target user is trustworthy in a corporate bulk payment scenario.

3. The batch payment method according to claim 1, characterized in that, Before the target blockchain network performs a solidification and storage operation on the payment verification information and the batch payment application information based on a smart contract, it also includes: Based on the batch payment application information, the batch payment requirement is parsed, and R transaction objects are determined based on the batch payment requirement, where R is a positive integer; R blocks are generated based on the R transaction objects, wherein each block is responsible for connecting to one of the transaction objects.

4. The batch payment method according to claim 1, characterized in that, After receiving the bulk payment request initiated by the target user, the process also includes: Parse 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; Based on the transaction category, all the corporate payment transaction orders are grouped into T order groups, where T is a positive integer; Obtain the node usage status of S distributed nodes of the financial institution's 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.

5. The batch payment method according to claim 4, characterized in that, The step of uploading the bulk payment request to the target blockchain network includes: For each of the distributed nodes, the corporate payment transaction orders in the order group are parsed to obtain the transaction object information involved in each corporate payment transaction order; For each corporate payment transaction order, a target block is determined based on the transaction object information, and the payment request corresponding to the corporate payment transaction order is uploaded to the target block.

6. A blockchain-based bulk payment device, characterized in that, include: The determining unit is used to obtain batch payment application information and determine the target user's identity, account balance, and transaction permissions based on the batch payment application information to obtain payment verification information; An uploading unit is used to upload the payment verification information and the batch payment application information to a target blockchain network to obtain a solidified result. 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 solidified result. The upload unit includes: a format conversion module for converting the verification information and the batch payment application information to obtain the input parameters of the smart contract, wherein the smart contract includes at least: a fixed storage executable program; an input module for inputting the input parameters into the smart contract, wherein the smart contract executes the fixed 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; and a first generation module for generating the fixed result based on the first hash value and the first key. The verification unit 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; 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 includes at least: a first hardware authentication information hash value; and a first upload module for uploading the encrypted authentication information to the target blockchain network. The decryption module is used to, after uploading the target user's hardware authentication information to the target blockchain network based on the solidification result, have the target blockchain network use the solidified first key to decrypt the encrypted authentication information to obtain a decryption result; the checking module is used to, if the decryption result indicates successful decryption, confirm the validity of the encrypted authentication information and check whether the decrypted authentication information in the decryption result is complete; the calculation module is used to, if 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; the comparison module is used to compare the first hardware authentication information hash value and the second hardware authentication information hash value, and if the comparison result indicates that the two are consistent, confirm the validity of the decrypted authentication information, and generate the verification data packet based on the decrypted authentication information, the payment verification information solidified in the target blockchain network, and the timestamp information; The receiving unit is configured to receive a batch payment request initiated by the target user after the public authentication verification is passed, and upload the batch payment request to the target blockchain network. The batch payment transaction is then executed in parallel by N network nodes of the target blockchain network, and the batch payment result is returned, where N is a positive integer.

7. 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, it controls the device containing the computer-readable storage medium to perform the blockchain-based bulk payment method according to any one of claims 1 to 5.

8. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being 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 cause the one or more processors to implement the blockchain-based bulk payment method according to any one of claims 1 to 5.

9. A computer program product, characterized in that, It includes computer instructions, wherein when executed by a processor, the computer instructions implement the steps of the blockchain-based bulk payment method according to any one of claims 1 to 5.

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