Business processing method and device based on block chain and electronic equipment

Abstract

The invention discloses a business processing method and device based on a block chain and electronic equipment. The method comprises the following steps: receiving a target transaction service initiated by a target account based on a block chain; verifying the target transaction service based on a transaction management contract deployed on the block chain to obtain a verification result; and under the condition that the verification result indicates that the verification of the target transaction service is passed, executing the target transaction service based on a digital asset contract deployed on the block chain, the plurality of lists and the account exception list being constructed based on a supervision terminal in the block chain and being updated in real time. According to the invention, the technical problem of low security during business transaction based on a block chain in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a business processing method, device and electronic device based on blockchain. Background Art

[0002] With the promotion of digital RMB, more and more trading activities can be cleared and settled in real time on the blockchain, which has improved transaction transparency and optimized operational efficiency. However, the blockchain-based clearing system in related technologies has exposed some inherent challenges in actual operation. Although the decentralized nature of blockchain can reduce trust costs and ensure that transactions cannot be tampered with, it also provides potential convenience for non-compliant trading activities, such as abnormal transactions, digital asset speculation, and other forms of non-compliant transactions.

[0003] In the centralized clearing system of the relevant technology, payment institutions can effectively prevent the occurrence of such risks through strict compliance procedures and monitoring measures. However, in the decentralized blockchain environment, due to the enhanced anonymity of transactions and the fact that they are not directly controlled by a single institution, regulators face great difficulties in tracking and controlling such violations. In summary, the business transaction methods based on blockchain in the relevant technology have low security and are difficult to effectively prevent and control non-compliant transaction activities.

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

[0005] The embodiments of the present invention provide a business processing method, device and electronic device based on blockchain, so as to at least solve the technical problem of low security existing in business transactions based on blockchain in the related technology.

[0006] According to one aspect of an embodiment of the present invention, a business processing method based on blockchain is provided, comprising: receiving a target transaction business initiated by a target account based on blockchain; verifying the target transaction business based on a transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormality list and / or an institution authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; when the verification result indicates that the target transaction business has passed the verification, executing the target transaction business based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0007] According to another aspect of an embodiment of the present invention, a business processing device based on blockchain is also provided, including: a receiving module, used to receive a target transaction business initiated by a target account based on blockchain; a verification module, used to verify the target transaction business based on a transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institutional abnormality list and / or an institutional authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; a business execution module, used to execute the target transaction business based on a digital asset contract deployed on the blockchain when the verification result indicates that the target transaction business has passed the verification, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, and is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0008] According to another aspect of an embodiment of the present invention, a non-volatile storage medium is further provided, wherein the non-volatile storage medium stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing any one of the blockchain-based business processing methods.

[0009] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the blockchain-based business processing methods.

[0010] In an embodiment of the present invention, a target transaction business initiated by a target account based on a blockchain is received; based on a transaction management contract deployed on the blockchain, the target transaction business is verified to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormal list and / or an institution authorization list, a business abnormal list and / or a business authorization list, a contract abnormal list and / or a contract authorization list; when the verification result indicates that the target transaction business has been verified, the target transaction business is executed based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormal list and control the asset transfer operation of the account, the multiple lists and the account abnormal list are constructed and updated in real time based on the regulatory end in the blockchain, so as to achieve the purpose of introducing a regulatory end in the blockchain system to construct and update the abnormal list and the authorization list in real time, and to perform secure on-chain transactions based on the transaction management contract and the digital asset contract deployed on the blockchain, thereby achieving the technical effect of improving the security of business transactions on the blockchain, and thus solving the technical problem of low security when conducting business transactions based on the blockchain in the related technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0012] Figure 1 is a flowchart of a business processing method based on blockchain according to an embodiment of the present invention;

[0013] Figure 2 is a schematic diagram of a blockchain-based business processing device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0014] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0015] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0016] According to an embodiment of the present invention, a method embodiment of blockchain-based business processing is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0017] Figure 1 is a flowchart of a business processing method based on blockchain according to an embodiment of the present invention. Figure 1 As shown, the method comprises the following steps:

[0018] Step S102, receiving a target transaction service initiated by a target account based on blockchain;

[0019] Optionally, when a user (target account) initiates a transaction (target transaction business) using a smart contract on the blockchain network, such as a user recharging or making a payment in a beauty salon's smart contract prepaid card system, the transaction will be submitted to the blockchain's transaction memory pool in the form of a data packet. The transaction memory pool is where pending transactions are managed in the blockchain network. It classifies different transactions so that regulatory transactions can be processed first. Once the target transaction business is received by the transaction memory pool, it is further checked whether there are currently higher priority regulatory transactions that need to be processed. If not, transactions are selected from the general transaction pool for processing in a certain order (for example, the level of transaction fees or the first-come, first-served principle of transactions). After the target transaction business is selected, it will be sent to the transaction management contract module for further verification.

[0020] Step S104, based on the transaction management contract deployed on the blockchain, verify the target transaction business to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, a contract abnormal list and / or a contract authorized list;

[0021] Optionally, the transaction management contract is a smart contract responsible for compliance verification of on-chain transactions. Its function is to check whether the target transaction business involves entities in multiple lists, including the institution abnormal list, institution authorization list, business abnormal list, business authorization list, contract abnormal list, and contract authorization list. These lists are constructed by the regulatory side and updated in real time to ensure the compliance and security of business transactions. For example, the transaction management contract will check the contract authorization list, business authorization list, institution authorization list / institution abnormal list. The contract authorization list can confirm whether the smart contract initiating the transaction is in the authorization list, that is, whether it has the right to conduct a specific transaction type. The business authorization list can confirm whether the business involved in the transaction is in the authorization list, that is, whether the business has been approved by the regulator. The institution authorization list / institution abnormal list can confirm whether the account or institution involved in the transaction is in the authorization list or is included in the abnormal list to ensure the compliance of the transaction party.

[0022] Optionally, the business list (business exception list and / or business authorization list) may include, but is not limited to, a list related to the collection account, a list related to the classification strategy, a list related to the prepaid card approval, a list related to the transfer limit, etc. Each list includes an authorization list and / or an exception list. Taking the authorization list as an example, the collection account authorization list defines which specific blockchain accounts are authorized to receive payments. Only accounts that appear on this list can be identified by the smart contract as compliant payees, thereby allowing the execution of payment transactions. For example, if the blockchain account of a beauty salon passes the compliance review and is authorized by the payment institution, it will be added to the collection account authorization list. After that, the user's payment behavior to the beauty salon account through the smart contract can be recognized and completed by the system. The account splitting strategy authorization list is used to provide permissions and rules for account splitting operations for different business entities in the blockchain system. This list lists in detail which merchants or business types can use specific account splitting strategies, such as automatically allocating revenue to multiple partners according to a certain ratio. Only when the merchants and account splitting strategies involved in an account splitting transaction appear on this authorization list will the transaction management contract allow the execution of the account splitting operation, thereby ensuring the compliance and transparency of the account splitting process. The prepaid card approval authorization list is a permission control list designed specifically for prepaid card business, which specifies which merchants or business entities are allowed to issue and manage prepaid cards. Payment institutions and regulatory agencies will review the qualifications and business plans of merchants based on the compliance requirements of prepaid card business, and only merchants that have passed the review can be included in this list. After being on the list, merchants can use the prepaid card smart contract template provided by the blockchain system to issue and manage prepaid cards, and perform operations such as recharge and consumption. Merchants not on the list will not be able to perform any prepaid card-related business transactions, thereby effectively preventing the occurrence of non-compliant prepaid card activities. The transfer limit authorization list is used to set the upper or lower limit of the transfer amount for specific accounts or businesses to prevent abnormal large transactions or avoid excessive consumption of system resources by small transactions.

[0023] In an optional embodiment, when multiple lists include an institution exception list, multiple business exception lists, and a contract exception list, the target transaction business is verified based on the transaction management contract deployed on the blockchain to obtain a verification result, including: determining the target institution to which the target account belongs, the target business type of the target transaction business, and the target transaction contract corresponding to the target transaction business; determining a target business exception list corresponding to the target business type from multiple business exception lists, wherein the multiple business exception lists correspond to different business types; when the target institution is not in the institution exception list, and the target business type is not in the target business exception list, and the target transaction contract is not in the contract exception list, determining the verification result as the target transaction business verification passed; when the target institution is in the institution exception list, or the target business type is in the target business exception list, or the target transaction contract is in the contract exception list, determining the verification result as the target transaction business verification failed.

[0024] Optionally, when receiving a target transaction initiated by a target account based on blockchain, the transaction management contract module will first perform the following verification steps:

[0025] Determine the target institution to which the target account belongs: by analyzing the initiating account of the target transaction business, identify the institutional entity behind the account, such as merchants, payment platforms, etc.; determine the target business type of the target transaction business: identify the specific type of the target transaction business, such as transfer transactions, prepaid card recharges, split-account transactions, etc.; determine the target transaction contract corresponding to the target transaction business: identify the smart contracts required to execute the target transaction business. Each business type may correspond to one or more smart contracts.

[0026] Next, the transaction management contract will find the target business exception list corresponding to the target business type from the multiple business exception lists deployed. This process is based on the correspondence between the business type and the exception list. For example, for prepaid card business, the transaction management contract will look up the prepaid card business exception list to verify whether the prepaid card transaction involves abnormal or non-compliant activities. The verification process checks whether the following three conditions are met at the same time: By verifying that the target institution is not on the institution exception list, it can be ensured that the institution involved in the transaction is compliant and not included in the exception list, which means that the institution is trusted at the regulatory level; by verifying that the target business type is not on the target business exception list, it can be ensured that the business type of the transaction is compliant and does not violate specific business regulatory rules; by verifying that the target transaction contract is not on the contract exception list, it can be ensured that the smart contract that executes the transaction business is reviewed and authorized, and does not contain code or logic that may lead to non-compliant transactions.

[0027] If all three conditions above are met, that is, the target institution, target business type, and target transaction contract are not in the corresponding exception list, then the transaction management contract will determine the verification result as the target transaction business verification passed, which means that the transaction is allowed to proceed, and the next step will be to call the digital asset contract (token contract module) to execute the asset transfer operation in the transaction. Conversely, if any of the conditions that the target institution is in the institution exception list, or the target business type is in the target business exception list, or the target transaction contract is in the contract exception list is met, the transaction management contract will determine the verification result as the target transaction business verification failed, which means that the transaction has compliance issues and cannot be processed. At this point, the transaction will be blocked and will not continue to the execution stage of the digital asset contract.

[0028] Through this series of verification processes, accurate compliance checks on on-chain transactions can be achieved to ensure that each transaction is conducted within the regulatory framework. At the same time, through the automatic execution of smart contracts, delays and errors caused by human intervention can be avoided, thereby improving the efficiency and security of business transactions.

[0029] In an optional embodiment, when multiple lists include an institutional authorization list, multiple business authorization lists, and a contract authorization list, the target transaction business is verified based on the transaction management contract deployed on the blockchain to obtain a verification result, including: determining the target institution to which the target account belongs, the target business type of the target transaction business, and the target transaction contract corresponding to the target transaction business; determining a target business authorization list corresponding to the target business type from multiple business authorization lists, wherein multiple business authorization lists correspond to different business types; when the target institution is in the institutional authorization list, and the target business type is in the target business authorization list, and the target transaction contract is in the contract authorization list, determining that the verification result is that the target transaction business verification is passed; when the target institution is not in the institutional authorization list, or the target business type is not in the target business authorization list, or the target transaction contract is not in the contract authorization list, determining that the verification result is that the target transaction business verification is failed.

[0030] Optionally, when the transaction management contract receives a target transaction, it will first identify and extract the following key information: Determine the target institution to which the target account belongs: By analyzing the initiating account of the target transaction, identify the institutional entity behind the account, such as merchants, payment service providers, etc. This is to confirm whether the institutions involved in the transaction have been authorized to conduct on-chain payment transactions; Determine the target business type of the target transaction: Identify specific business types, such as transfers, prepaid card recharges, account splitting, etc., so as to subsequently check whether the business type is in the corresponding business authorization list; Determine the target transaction contract corresponding to the target transaction: Determine the smart contract required to execute the transaction, so as to check whether the contract itself is in the contract authorization list, and ensure that the contract function meets the compliance requirements of regulators and payment institutions.

[0031] Next, the transaction management contract will find the target business authorization list that matches the target business type from the predefined multiple business authorization lists. For example, for prepaid card recharge business, the transaction management contract will check the prepaid card business authorization list to confirm whether the target business type has been authorized by the payment institution. The verification process will check whether the three authorization conditions are met at the same time: by verifying that the target institution is in the institution authorization list, it can be ensured that the institution involved in the transaction has been officially authorized by the payment institution or regulator to conduct on-chain payment transactions; by verifying that the target business type is in the target business authorization list, it can be confirmed that the business type of the transaction has been authorized by the payment institution or regulator and is allowed to be executed on the chain; by verifying that the target transaction contract is in the contract authorization list, it can be verified that the smart contract used to execute the transaction has been approved by the payment institution or regulator and can be safely used on the chain.

[0032] If the above three authorization conditions are met, the transaction management contract will determine the verification result as the target transaction business verification passed, which means that the transaction is conducted within the scope of authorization and is allowed to continue to the digital asset contract execution stage to complete the transfer of funds. On the contrary, if the target institution is not in the institution authorization list, or the target business type is not in the target business authorization list, or the target transaction contract is not in the contract authorization name, any of the conditions is not met, the transaction management contract will determine the verification result as the target transaction business verification failed, which means that the transaction lacks the necessary authorization and cannot be executed on the chain, and the transaction will be blocked.

[0033] Through this verification process, it can be ensured that all transactions on the chain have undergone strict authorization checks. Only reviewed and authorized institutions, business types and smart contracts are allowed to execute transactions, thereby avoiding the risk of non-compliant transactions and enhancing the security and compliance of the blockchain system. At the same time, through the automated execution of smart contracts, this process is efficiently implemented without manual intervention, greatly improving the efficiency and reliability of business transactions.

[0034] It should be noted that the exception lists and authorization lists in multiple lists can be set at the same time or mixed. For example, multiple lists can also include institutional exception lists, contract authorization lists, and multiple business exception lists, etc. The verification and processing methods for each exception list and authorization list are the same as those mentioned above and will not be repeated here.

[0035] In an optional embodiment, based on the transaction management contract deployed on the blockchain, the target transaction business is verified to obtain a verification result, including: detecting whether there is a regulatory transaction in the regulatory transaction pool, wherein the regulatory transaction is a transaction initiated by the regulatory end; in the case that there is no regulatory transaction in the regulatory transaction pool, based on the transaction management contract, the target transaction business is verified to obtain a verification result; or in the case that there is a regulatory transaction in the regulatory transaction pool, the target transaction business is temporarily stored in the general transaction pool, and when the regulatory transaction included in the execution of the regulatory transaction pool is completed, the transaction business included in the general transaction pool is verified based on the transaction management contract to obtain a verification result, wherein the general transaction pool is used to store transaction businesses initiated by transaction accounts, and the general transaction pool at least includes the target transaction business.

[0036] Optionally, the regulatory transaction pool is used to store regulatory transactions initiated by regulatory agencies, such as updating abnormal lists, blocking specific transactions, freezing account permissions, etc. These transactions have priority and need to be processed before ordinary transactions; the ordinary transaction pool is used to store ordinary transactions initiated by trading accounts, such as transfers, top-ups, and consumption. These transactions are processed in order when there are no regulatory transactions to be processed.

[0037] Optionally, when a new transaction request (target transaction business) enters, the transaction memory pool management module will first detect whether there are pending regulatory transactions in the regulatory transaction pool. This is because regulatory transactions usually involve updating the compliance status in the system, such as adding or removing accounts from the account abnormality list, and these updates have a direct impact on the subsequent ordinary transaction verification. If a regulatory transaction is detected in the regulatory transaction pool, the transaction memory pool management module will give priority to the regulatory transaction in the regulatory transaction pool. This means that the blockchain system will suspend the processing of target transaction businesses in the ordinary transaction pool until the regulatory transaction is completed, thereby ensuring that regulatory instructions can be executed in a timely manner and will not be delayed by other ordinary transaction requests. After the regulatory transaction is completed, check whether there are temporarily stored target transaction businesses. If so, these ordinary transaction businesses will be restored from the temporary state to the ordinary transaction pool, waiting to be verified and processed by the transaction management contract. The key point here is that when verifying ordinary transaction businesses, the transaction management contract will use the latest updated compliance status to ensure the accuracy and timeliness of the verification results. If there are no regulatory transactions in the regulatory transaction pool, or after the regulatory transaction is completed, the transaction management contract will verify the target transaction business in the ordinary transaction pool. The verification process includes confirming whether the target institution, target business type and target transaction contract are in the corresponding authorization list, and whether the target account is in the account abnormality list. Only when all verification conditions are met will the transaction business be allowed to execute and call the digital asset contract for fund operation.

[0038] Through the above methods, the priority of regulatory transactions can be ensured, so that regulatory agencies can intervene immediately when necessary and adjust the system status without being disturbed by ordinary transactions. At the same time, the processing flow of ordinary transaction business can also be guaranteed. Even if it needs to be temporarily stored waiting for the completion of regulatory transactions, it can be quickly restored and verified, thereby maintaining the overall transaction efficiency and continuity of the blockchain system when conducting business transactions.

[0039] Step S106, when the verification result indicates that the target transaction business has passed the verification, the target transaction business is executed based on the digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in the blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and multiple lists and account abnormality lists are constructed based on the regulatory end in the blockchain and updated in real time.

[0040] Optionally, if the transaction management contract verifies that all entities involved in the target transaction business meet the requirements and are not included in any exception list, the verification result will indicate that the target transaction business has passed the verification. At this time, the transaction management contract will call the digital asset contract (i.e., the token contract module) to execute the asset transfer operations involved in the transaction, such as transfer or prepaid card recharge. The digital asset contract has pre-established the mapping relationship between digital assets and physical assets (such as legal currency reserves) in the blockchain account, and can verify the compliance of the account again according to the account exception list to ensure that the transfer operation at the fund level is safe and compliant. This ensures that in the process of executing blockchain-based transaction businesses (such as payment and clearing), each transaction undergoes a strict compliance review before execution, effectively preventing non-compliant transaction activities, while ensuring the transparency and auditability of transactions in compliance with regulatory requirements.

[0041] In an optional embodiment, when the verification result indicates that the target transaction business has passed the verification, the target transaction business is executed based on the digital asset contract deployed on the blockchain, including: when the verification result indicates that the target transaction business has passed the verification, detecting whether the target account is in the account abnormality list constructed in the digital asset contract; when the target account is not in the account abnormality list, executing the target transaction business based on the digital asset contract.

[0042] Optionally, when the verification result of the transaction management contract indicates that the target transaction business has passed the verification, that is, the target institution, target business type and target transaction contract all meet the requirements in the authorization list, the next step is to call the digital asset contract to execute the transaction at the asset level. But before that, the digital asset contract (such as the token contract) will check the target account involved in the transaction again to ensure that the account itself is not included in the account abnormality list. Specifically, the digital asset contract will automatically compare the target account information with the records in the account abnormality list when receiving the transaction request. This list contains accounts that may be involved in abnormal trading behavior, for example, accounts that have been used for abnormal trading, malicious speculation or other abnormal activities. If the test result shows that the target account is not included in the abnormal list, it means that the account is compliant and has no previous abnormal records. At this time, the digital asset contract will execute business transaction operations such as the issuance, transfer or destruction of tokens (or stablecoins) to complete the fund-level transfer of the target transaction business. If the target account appears in the account abnormality list, the digital asset contract will refuse to execute the transaction, and the transaction will not be confirmed on the blockchain to ensure that non-compliant accounts cannot perform any asset operations, thereby effectively preventing further abnormal transactions.

[0043] Through the above methods, it can be ensured that even if the transaction meets the authorization requirements at the business level, the transaction execution at the capital level still needs to undergo secondary compliance verification of the digital asset contract, that is, to confirm that the account itself is also compliant. This double verification mechanism further enhances the security and compliance of transactions on the blockchain system, providing regulators with more comprehensive tools to control and prevent potential non-compliant financial activities. At the same time, it can also protect the asset security of users and compliant merchants and maintain the stability and order of the financial market.

[0044] In an optional embodiment, the method also includes: when the target account is not in the account abnormality list, detecting whether the target account has abnormal trading behavior through the regulatory end; when the target account has abnormal trading behavior, updating the target account to the account abnormality list through the regulatory end, and prohibiting the execution of the target transaction business.

[0045] Optionally, when the target account is executing a transaction, if the account is not on the abnormal account list, it means that the account is currently identified by the system as compliant and can conduct normal trading activities. Next, the regulatory end (regulatory module) will actively start monitoring the trading behavior of the target account. This includes but is not limited to analyzing the account's recent transaction frequency, transaction amount, counterparty, transaction time and other data to identify whether there is abnormal behavior. The monitoring process can be implemented by using risk control algorithms, risk control models, etc., combining historical data and real-time transaction information to evaluate whether the target account's transactions have high-risk characteristics, such as abnormal capital flows, frequent interactions with abnormal trading accounts, abnormal time patterns and other abnormal trading behavior signs. If the target account has abnormal trading behavior, for example, the account's capital flow does not match the normal trading pattern, or involves large-scale, high-frequency transactions, etc., this may indicate that the account is used for abnormal trading activities. In the case of determining that the target account has abnormal trading behavior, the regulatory end will immediately update the account to the abnormal account list. This operation can be performed in real time on the blockchain through the regulatory contract to ensure that all network nodes have the latest understanding of the compliance status of the account. As the target account is added to the account abnormality list, the digital asset contract in the blockchain system (such as the token contract module) will automatically identify the account as an abnormal account and reject its fund operations in any subsequent transaction requests, thereby effectively preventing the account's non-compliant trading activities.

[0046] Through the above methods, the regulatory side can timely identify and prevent abnormal trading behaviors before or when the transaction occurs, thereby controlling risks at the source and protecting the safe and stable execution of business transactions on the blockchain. Through active monitoring and intelligent analysis, the risk prevention and control capabilities of business transactions on the blockchain can be enhanced, and early warning and rapid response to abnormal trading behaviors can be achieved. This ensures the dynamic update of the account abnormality list, making the regulatory mechanism more flexible and efficient, and helping to implement effective supervision in a decentralized blockchain environment and maintain compliant trading order. At the same time, the automated execution of this process can also reduce the need for manual intervention and improve the overall efficiency and accuracy of business transactions on the blockchain.

[0047] In an optional embodiment, when multiple lists include multiple business authorization lists, the method also includes: receiving a business application for a first transaction business initiated by a first account, and determining a first business type corresponding to the first transaction business; based on the business authorization contract and the first business type, performing business authorization for the first account for the first transaction business, wherein the business authorization contract is used to approve and authorize various business activities; determining a first business authorization list corresponding to the first business type from multiple business authorization lists, and storing the first business type in the first business authorization list.

[0048] Optionally, when a business application for a first transaction business (such as prepaid card recharge, account splitting, etc.) initiated by a first account (for example, a blockchain account of a merchant) is received, the specific business type corresponding to the business application is first identified, such as a prepaid card business, an instant payment business, or other types. Approval and authorization operations are performed based on the business authorization contract module. The business authorization contract module is deployed and maintained by the payment institution, and its function is to approve and authorize various business activities according to regulatory rules and the internal policies of the payment institution. According to the first business type of the application, the corresponding first business authorization list in the multiple deployed business authorization lists is searched. Each business type may correspond to one or more authorization lists, such as transaction type (transfer, recharge, etc.), industry type (catering, retail, beauty, etc.), etc. The business authorization contract module will approve the first account based on the content of the application. The approval process may include but is not limited to steps such as checking the compliance of the application materials, assessing the credit risk of the merchant, and confirming that the business type meets regulatory requirements. If approved, the business authorization contract module will store the first business type in the first business authorization list, and store the detailed information of the first account (such as merchant ID, company name, business scope, etc.) in the corresponding authorization list to ensure that the account is officially authorized to perform a specific type of business. Once the first business type is added to the first business authorization list, the first account can use the smart contracts and processes related to the business type in subsequent transactions to perform compliant business operations, such as recharging and consumption of prepaid cards, execution of account splitting strategies, etc., without the need for separate authorization each time. This process ensures the transparency and traceability of business authorization, because each piece of authorization information is recorded on the blockchain and can be viewed and audited in real time by payment institutions and regulators.

[0049] Through the above methods, dynamic and accurate authorization management can be achieved for merchants or users of specific business types, ensuring that only reviewed and authorized merchants can perform specific on-chain businesses, thereby ensuring business flexibility while maintaining the compliance and security of business transactions on the blockchain.

[0050] Through the above steps S102 to S108, it is possible to introduce a regulatory end into the blockchain system to build and update the exception list and the authorization list in real time, and to conduct secure on-chain transactions based on the transaction management contract and the digital asset contract deployed on the blockchain, thereby achieving the technical effect of improving the security of business transactions on the blockchain, and further solving the technical problem of low security in related technologies when conducting business transactions based on the blockchain.

[0051] Based on the above embodiments and optional embodiments, the present invention proposes an optional implementation of a clearing system based on blockchain smart contracts. The clearing system can be used for any of the above-mentioned business processing methods based on blockchain. The clearing system includes a token contract module (i.e., a digital asset contract), a transaction management contract module, a business authorization contract module, a business contract module, a supervision module, a transaction memory pool management module and other key components, wherein:

[0052] The token contract module (i.e., digital asset contract) is deployed and maintained by the payment institution. It is used to issue digital assets (such as stablecoins and tokens) linked to physical assets (such as legal tender) on the blockchain for on-chain bookkeeping. The credit of the payment institution ensures that the issued digital currency has a stable credit basis within the blockchain system. Its functions include issuing and destroying digital currency. This module includes the on-chain smart contract system and the internal fund account management system of the payment institution. Its core functions are:

[0053] Establish a one-to-one mapping relationship between digital assets in blockchain accounts and physical assets held by payment institutions (such as legal currency reserves), ensuring that each on-chain fund change has sufficient physical assets as endorsement. Ensure that blockchain accounts holding digital assets (such as tokens) are compliant accounts. When receiving a call, compare the abnormal account list given by the regulator, ignore the upper-level business content, and block any asset operations of accounts on the abnormal list at the fund level.

[0054] The transaction management contract module is deployed and maintained by the payment institution to process the payment transfer of digital assets (such as digital currency) on the blockchain between different accounts. Its core functions are:

[0055] Verify transaction-related information. When the contract is called by a transaction, it will actively verify the enterprise exception list and contract authorization list shared on the chain, verify whether the initiating contract of the transaction is on the authorization list, and whether the transaction-related enterprise is on the exception list. Intercept transactions outside the authorization list or on the exception list.

[0056] Call the token contract to transfer funds. Only the transaction management contract can directly call the token contract to transfer funds, so as to separate fund use from fund management and ensure fund security.

[0057] Provide a business upgrade portal to ensure system security and stability. The transaction management contract can be upgraded to support access to more business lists (i.e., abnormal lists, authorized lists), and introduce more complex business supervision strategies, such as the authorization list for prepaid card business, the authorized list of payees, etc. And by deploying multiple transaction management contracts, different supervision strategies can be implemented for different businesses, and separate management of businesses in different fields can be achieved.

[0058] The business authorization contract module includes the payment business management system and the business authorization contract module deployed on the blockchain, which is used by payment institutions to review and authorize various business activities. Any merchant who wants to conduct transaction business in the system must first submit review materials to apply for business in the business management system, and can enter the corresponding authorization list after approval. Its core functions are:

[0059] Authorization list management. The business authorization module can manage multiple authorization lists according to specific business types, including contract authorization lists with greater authority, and specific business authorization lists with less authority, including collection account authorization lists, account splitting strategy authorization lists, prepaid card approval authorization lists, etc. When processing transactions, the transaction management contract will use different authorization lists to verify transaction compliance according to the specific business type.

[0060] Business information is stored and filed. For businesses added to the authorization list, the business-related subjects and content information must be encrypted and stored on the chain for filing, and synchronized to the regulatory side (i.e. regulatory agency).

[0061] The payment institution provides a standardized contract template for the business contract module. Merchants can modify the customized parameters according to their own business needs and then deploy them on the chain. No authorization is required during the deployment and use process. The core functions of the business contract module are:

[0062] Independent business processing, handling transactions that do not involve asset transfer and settlement, such as creating blockchain accounts for users, specific asset registration, etc.

[0063] Call the transaction management contract module to apply for token transfer between blockchain accounts and obtain the transfer results. This transaction is managed by the regulatory agency.

[0064] The regulatory module is managed by the regulatory agency and includes two parts: the regulatory agency system and the regulatory contract.

[0065] The main function of the regulatory contract is to update the abnormal list on the chain, including the abnormal list of accounts, the abnormal list of institutions (such as the abnormal list of enterprises), the abnormal list of businesses, etc. The abnormal list of supervision is shared by the entire network, and all token contracts and transaction management contracts in the entire network must intercept transactions based on these abnormal lists. The main functions of the regulatory agency system include:

[0066] Responsible for monitoring the transaction content that has been uploaded to the chain and the transaction content waiting to be uploaded to the chain in the transaction memory pool, monitoring large-value transactions or high-frequency transactions, and connecting with the external risk control system to determine whether there are high-risk transactions.

[0067] Synchronize and decrypt on-chain business filing information.

[0068] Initiate regulatory transactions, including blocking transactions, abnormal list management transactions, and abnormal list modification transactions. Blocking transactions target transaction IDs and explicitly prevent the execution of a transaction; abnormal list management transactions are used to configure new abnormal list policies; abnormal list modification transactions are used to add or delete lists from existing abnormal lists.

[0069] The transaction memory pool management module is responsible for sorting the underlying transactions of the blockchain. The memory pool will classify transactions into regulated transactions and ordinary transactions according to the transaction object and transaction type identifier, and put them into the regulated transaction pool and ordinary transaction pool respectively. When there are transactions in the regulated transaction pool, when the blockchain node generates blocks, it will process the transactions in the regulated transaction pool separately and stop processing transactions in the ordinary transaction pool. It will not start processing the ordinary transaction pool until there are no more transactions in the regulated transaction pool in the next block generation round. The functions of the transaction memory pool management module are:

[0070] This allows regulators to add transactions or related units to the abnormal list before the transaction is confirmed, thereby blocking the execution of transactions in a timely manner.

[0071] Processing regulatory transactions and ordinary transactions in different blocks can prevent regulatory transactions from being accessed by abnormal transactions that may exist in ordinary transactions.

[0072] This embodiment also provides a business processing method based on blockchain, which can be applied to the aforementioned clearing system, and includes:

[0073] S1, the user deposits funds into the payment institution and transfers them to the blockchain account. The payment institution freezes the funds through the token management module and issues additional digital currency to the user's blockchain account.

[0074] S2, the merchant uses the template contract to configure in the system provided by the payment institution, and then deploys the business contract on the blockchain, in which the user and merchant correspond to their respective accounts.

[0075] S3. Merchants initiate business registration applications to payment institutions in the payment business management system and submit review materials.

[0076] S4, the business institution reviewer confirms the materials and confirms the business registration. The system calls the business authorization contract, adds the merchant's business information to the contract authorization list of the business, and encrypts and stores some of the merchant's materials in the authorization list.

[0077] S5, the regulatory agency system monitors the new business registration information received in real time and decrypts the filing information to its own system synchronously.

[0078] S6, the user operates on the platform provided by the merchant and initiates a business transaction involving transfer.

[0079] S7, the transaction enters the general transaction pool, the regulatory system retrieves the transaction and analyzes the transaction content. If the risk control strategy is triggered, a regulatory transaction is initiated to modify the abnormal list or a regulatory transaction is initiated to block the transaction, otherwise no operation is performed.

[0080] S8, blockchain nodes process memory pool transactions regularly. If there is a regulatory transaction, only the regulatory transaction is processed in this round, otherwise it processes ordinary transactions.

[0081] S9, when processing a transaction, the transaction calls the business contract, and the business contract calls the transaction management contract. The transaction management contract compares the corresponding business authorization list on the chain and the abnormal list information according to the exchange logo to determine whether the business is compliant. If it is compliant, the token contract is called to initiate a token transfer.

[0082] S10, after the token contract is called, the transaction account is compared with the abnormal account list on the chain. If the account is compliant, the token transfer is executed, otherwise the transfer is rejected and the transaction result is returned.

[0083] S11, the blockchain node executes the transaction, uploads the transaction result to the chain, and sends a transaction notification to the user.

[0084] As an optional implementation example, "Mou Payment" deployed a smart contract clearing system based on its original payment capabilities, and cooperated with a number of beauty institutions to develop smart contract prepaid card business.

[0085] "A Payment" first built a blockchain system, and the financial regulatory department and the account regulatory department participated in the deployment of blockchain nodes. "A Payment" deployed a series of contracts on the blockchain, including token contracts, transaction management contracts, business authorization contracts, and deployed regulatory contracts for the account regulatory department, financial regulatory department, and internal risk control business department.

[0086] The account supervision department regularly updates the abnormal list of non-compliant accounts in the blockchain network. The financial supervision department updates the abnormal list of risky enterprises and the abnormal list of prohibited risky business types in the blockchain network based on the supervision policy.

[0087] The risk control department is connected to the clearing system and has the authority to read transaction information waiting to be executed in the memory pool, analyze the transaction information, and send regulatory transactions to block transactions.

[0088] After the service was launched, a beauty salon applied to "a certain payment platform" to open a smart contract prepaid card service. After reviewing the beauty salon's information, the "a certain payment platform" business personnel helped it deploy the prepaid card business contract on the chain and added the contract to the payment authorization list.

[0089] After the beauty salon opened its business, it began to operate normally, and users used funds to purchase prepaid cards. One day, the risk control system detected that the transaction frequency of a certain account under the beauty salon contract suddenly increased, and the scale of funds inflow and outflow exceeded the risk control threshold. The risk control system issued an abnormal transaction warning, triggered a temporary control mechanism, issued a regulatory transaction on the blockchain, temporarily included the abnormal collection account in the collection abnormality list, froze the account's collection authority, and notified the account supervision department for verification.

[0090] The blockchain prioritizes regulatory transactions and updates the exception list. Payment transactions that have been issued on the chain but not yet executed will be invalidated when the token contract verifies the authority and finds that the receiving account is on the exception list.

[0091] After receiving the risk control warning, the account supervision department went to the former beauty salon to check the reasons for the abnormal collection and found that the beauty salon's large amount of income and expenditure came from unknown sources, and there were non-compliant transactions. The account supervision department required the beauty salon to make rectifications and marked the company in the relevant business system. The relevant business system automatically sent a regulatory transaction to the blockchain to add the beauty salon to the abnormal list of companies, prohibiting all the collection business of the beauty salon.

[0092] If a user initiates payment using the beauty salon's contract, or uses other companies' contract services to initiate payment to the beauty salon's account, the transaction management contract will reject it. However, the prepaid card that the user has purchased at the beauty salon can be used normally.

[0093] After the beauty salon completed the rectification, the account supervision department checked that there were no problems, and cancelled the mark on the enterprise in the relevant business system. The system simultaneously removed the beauty salon from the abnormal list on the blockchain. The beauty salon can now carry out prepaid card collection business normally.

[0094] It should be noted that, in this embodiment, the blockchain smart contract technology and regulatory requirements are innovatively combined to build a safe and reliable permission verification mechanism through the list mechanism, and a regulatory mechanism is built through the management of the transaction memory pool to ensure that only reviewed businesses that are on the authorization list and not on the abnormal list can carry out payment and clearing business, thereby limiting and eliminating transactions that may involve malicious speculation and other illegal behaviors.

[0095] Design and implement a reviewable smart contract architecture so that each clearing business can be traced back to an entity with clear responsibilities, making it easier for regulators to monitor transaction dynamics in real time and improve transaction transparency and audit efficiency. Through this smart contract architecture, regulatory strategies can be configured separately from the business level, entity level, and capital level of the clearing business, and non-clearing businesses on the blockchain can be fully allowed to develop freely.

[0096] Realize the integration of regulatory intervention capabilities and grant regulatory bodies emergency control authority at the smart contract level so that they can take prompt action when non-compliant transactions are discovered, such as setting up black and gray lists of transactions in advance, blocking related transactions, freezing account transaction permissions, and closing certain business types, thereby effectively curbing the spread of non-compliant financial activities and maintaining financial market order.

[0097] On the premise of ensuring the core values ​​of blockchain technology such as decentralization and immutability, centralized regulatory elements are introduced to create a new generation of financial infrastructure that can not only achieve automated clearing and settlement but also meet regulatory compliance requirements, thereby promoting the healthy development and widespread application of blockchain technology in the financial industry.

[0098] In summary, this embodiment is equivalent to providing a regulatory mechanism for controlling on-chain payment transactions, implementing pre-transaction regulations, and blocking transactions, and by redesigning the underlying blockchain transaction pool, it ensures that the regulatory agency can intervene in the on-chain transaction process at any time. This mechanism ensures that each transaction can be associated with a clear responsible entity and is auditable. The regulatory agency can intervene when necessary, monitor the operating status of the smart contract, and suspend non-compliant businesses, thereby effectively filling the regulatory gap in the current blockchain environment while ensuring the efficiency and transparency of blockchain technology, and realizing the organic combination of decentralization and compliance.

[0099] In this embodiment, a business processing device based on blockchain is also provided, which is used to implement the above embodiments and preferred implementation modes, and will not be repeated here. As used below, the terms "module" and "device" can implement a combination of software and / or hardware for a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0100] According to an embodiment of the present invention, there is also provided an apparatus embodiment for implementing the above-mentioned blockchain-based business processing method. Figure 2 is a schematic diagram of a business processing device based on blockchain according to an embodiment of the present invention. Figure 2 As shown, the above-mentioned blockchain-based business processing device includes: a receiving module 200, a verification module 202, and a business execution module 204, wherein:

[0101] A receiving module 200 is used to receive a target transaction service initiated by a target account based on blockchain;

[0102] The verification module 202 is connected to the receiving module 200 and is used to verify the target transaction business based on the transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institutional abnormal list and / or an institutional authorized list, a business abnormal list and / or a business authorized list, and a contract abnormal list and / or a contract authorized list;

[0103] The business execution module 204 is connected to the verification module 202, and is used to execute the target transaction business based on the digital asset contract deployed on the blockchain when the verification result indicates that the target transaction business has passed the verification. The mapping relationship between the digital assets and the physical assets in the blockchain account is pre-established in the digital asset contract, and is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account. The multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0104] In an embodiment of the present invention, a receiving module 200 is provided for receiving a target transaction business initiated by a target account based on a blockchain; a verification module 202 is connected to the receiving module 200 and is used to verify the target transaction business based on a transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institutional abnormality list and / or an institutional authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; a business execution module 204 is connected to the verification module 202 and is used to execute the target transaction business based on the transaction management contract deployed on the blockchain when the verification result indicates that the target transaction business has passed the verification. A digital asset contract executes the target transaction business, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account. Multiple lists and account abnormality lists are constructed and updated in real time based on the regulatory end in the blockchain, achieving the purpose of introducing the regulatory end in the blockchain system to construct and update the abnormal list and the authorization list in real time, and conducting secure on-chain transactions based on the transaction management contract and digital asset contract deployed on the blockchain, thereby achieving the technical effect of improving the security of business transactions on the blockchain, and thus solving the technical problem of low security in related technologies when conducting business transactions based on the blockchain.

[0105] It should be noted that the above modules can be implemented by software or hardware. For example, for the latter, it can be implemented in the following ways: the above modules can be located in the same processor; or the above modules can be located in different processors in any combination.

[0106] It should be noted that the receiving module 200, the verification module 202, and the service execution module 204 correspond to steps S102 to S106 in the embodiment, and the examples and application scenarios implemented by the modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above embodiment. It should be noted that the modules as part of the device can be run in a computer terminal.

[0107] It should be noted that the optional or preferred implementation of this embodiment can refer to the relevant description in the embodiment, which will not be repeated here.

[0108] The above-mentioned blockchain-based business processing device may also include a processor and a memory. The above-mentioned receiving module 200, verification module 202, business execution module 204, etc. are all stored in the memory as program modules, and the processor executes the above-mentioned program modules stored in the memory to realize corresponding functions.

[0109] The processor includes a kernel, which retrieves the corresponding program module from the memory. The kernel may be one or more. The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. The memory includes at least one memory chip.

[0110] According to an embodiment of the present application, an embodiment of a non-volatile storage medium is also provided. Optionally, in this embodiment, the non-volatile storage medium includes a stored program, wherein when the program is running, the device where the non-volatile storage medium is located is controlled to execute any of the above-mentioned blockchain-based business processing methods.

[0111] Optionally, in this embodiment, the non-volatile storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group, and the non-volatile storage medium includes a stored program.

[0112] Optionally, when the program is running, the device where the non-volatile storage medium is located is controlled to perform the following functions: receiving a target transaction business initiated by a target account based on the blockchain; verifying the target transaction business based on the transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institutional abnormality list and / or an institutional authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; when the verification result indicates that the target transaction business has passed the verification, executing the target transaction business based on the digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in the blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0113] According to an embodiment of the present application, an embodiment of a processor is also provided. Optionally, in this embodiment, the processor is used to run a program, wherein the program executes any of the above-mentioned blockchain-based business processing methods when it is run.

[0114] According to an embodiment of the present application, an embodiment of a computer program product is also provided. Optionally, in this embodiment, the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements any of the steps of the blockchain-based business processing method.

[0115] Optionally, the above-mentioned computer program product, when executed on a data processing device, is suitable for executing a program that initializes the following method steps: receiving a target transaction business initiated by a target account based on a blockchain; verifying the target transaction business based on a transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institutional abnormality list and / or an institutional authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; when the verification result indicates that the target transaction business has passed the verification, executing the target transaction business based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0116] An embodiment of the present invention provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the following steps are implemented: receiving a target transaction business initiated by a target account based on a blockchain; verifying the target transaction business based on a transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormality list and / or an institution authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; when the verification result indicates that the target transaction business has passed the verification, executing the target transaction business based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in a blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

[0117] The above sequence of the embodiments of the present invention is for description only and does not represent the superiority or inferiority of the embodiments.

[0118] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0119] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the above modules can be a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, modules or indirect coupling or communication connection of modules, which can be electrical or other forms.

[0120] The modules described above as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment.

[0121] In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of software functional modules.

[0122] If the above-mentioned integrated module is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable non-volatile storage medium. Based on this understanding, the technical solution of the present invention is essentially 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. The computer software product is stored in a non-volatile storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the various embodiments of the present invention. The aforementioned non-volatile storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0123] The above are only preferred embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A business processing method based on blockchain, characterized in that: include: Receive the target transaction business initiated by the target account based on the blockchain; Based on the transaction management contract deployed on the blockchain, the target transaction business is verified to obtain a verification result, wherein the transaction management contract is used to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, a contract abnormal list and / or a contract authorized list; When the verification result indicates that the target transaction business has passed the verification, the target transaction business is executed based on the digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets and physical assets in the blockchain account is pre-established in the digital asset contract, which is used to verify the compliance of the account according to the account abnormality list and control the asset transfer operation of the account, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

2. The method according to claim 1, characterized in that: In the case where the multiple lists include an institution abnormal list, multiple business abnormal lists, and a contract abnormal list, the target transaction business is verified based on the transaction management contract deployed on the blockchain to obtain a verification result, including: Determine the target institution to which the target account belongs, the target business type of the target transaction business, and the target transaction contract corresponding to the target transaction business; Determining a target business exception list corresponding to the target business type from the multiple business exception lists, wherein the multiple business exception lists correspond to different business types; If the target institution is not in the institution exception list, the target business type is not in the target business exception list, and the target transaction contract is not in the contract exception list, determining that the verification result is that the target transaction business verification is passed; When the target institution is in the institution exception list, or the target business type is in the target business exception list, or the target transaction contract is in the contract exception list, it is determined that the verification result is that the target transaction business verification has failed.

3. The method according to claim 1, characterized in that In the case where the multiple lists include an institutional authorization list, multiple business authorization lists, and a contract authorization list, the target transaction business is verified based on the transaction management contract deployed on the blockchain to obtain a verification result, including: Determine the target institution to which the target account belongs, the target business type of the target transaction business, and the target transaction contract corresponding to the target transaction business; Determining a target service authorization list corresponding to the target service type from the multiple service authorization lists, wherein the multiple service authorization lists correspond to different service types; In the case where the target institution is in the institution authorization list, the target business type is in the target business authorization list, and the target transaction contract is in the contract authorization list, determining that the verification result is that the target transaction business verification is passed; When the target institution is not in the institution authorization list, or the target business type is not in the target business authorization list, or the target transaction contract is not in the contract authorization list, the verification result is determined to be that the target transaction business verification has failed.

4. The method according to claim 1, characterized in that When the verification result indicates that the target transaction business has passed the verification, executing the target transaction business based on the digital asset contract deployed on the blockchain includes: If the verification result indicates that the target transaction business verification has passed, detecting whether the target account is in the account abnormality list constructed in the digital asset contract; When the target account is not in the account abnormality list, the target transaction business is executed based on the digital asset contract.

5. The method according to claim 4, characterized in that The method further comprises: If the target account is not in the account abnormality list, detecting whether the target account has abnormal transaction behavior through the supervision terminal; In the case that the target account has the abnormal transaction behavior, the target account is updated to the account abnormality list through the supervision end, and the execution of the target transaction business is prohibited.

6. The method according to claim 1, characterized in that In the case where the multiple lists include multiple service authorization lists, the method further includes: receiving a service application for a first transaction service initiated by a first account, and determining a first service type corresponding to the first transaction service; Based on the business authorization contract and the first business type, performing business authorization for the first account for the first transaction business, wherein the business authorization contract is used to approve and authorize various business activities; A first service authorization list corresponding to the first service type is determined from the multiple service authorization lists, and the first service type is stored in the first service authorization list.

7. The method according to any one of claims 1 to 6, characterized in that: The target transaction business is verified based on the transaction management contract deployed on the blockchain to obtain a verification result, including: Detecting whether there is a supervision transaction in the supervision transaction pool, wherein the supervision transaction is a transaction initiated by the supervision end; In the case where the supervised transaction does not exist in the supervised transaction pool, verifying the target transaction business based on the transaction management contract to obtain the verification result; or In the case where the regulated transaction exists in the regulated transaction pool, the target transaction business is temporarily stored in the general transaction pool. When the regulated transaction included in the regulated transaction pool is executed, the transaction business included in the general transaction pool is verified based on the transaction management contract to obtain the verification result, wherein the general transaction pool is used to store the transaction business initiated by the transaction account, and the general transaction pool at least includes the target transaction business.

8. A business processing device based on blockchain, characterized in that: include: A receiving module, used to receive a target transaction business initiated by a target account based on blockchain; A verification module, configured to verify the target transaction business based on the transaction management contract deployed on the blockchain to obtain a verification result, wherein the transaction management contract is configured to check whether the transaction involves entities in multiple lists, wherein the multiple lists at least include an institution abnormality list and / or an institution authorization list, a business abnormality list and / or a business authorization list, a contract abnormality list and / or a contract authorization list; A business execution module is used to execute the target transaction business based on the digital asset contract deployed on the blockchain when the verification result indicates that the target transaction business has passed the verification, wherein a mapping relationship between digital assets and physical assets in the blockchain account is pre-established in the digital asset contract, and is used to verify the compliance of the account and control the asset transfer operation of the account according to the account abnormality list, and the multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time.

9. A non-volatile storage medium, characterized in that: The non-volatile storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor and executing the blockchain-based business processing method described in any one of claims 1 to 7.

10. An electronic device, characterized in that: The system comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the blockchain-based business processing method described in any one of claims 1 to 7.

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