Blockchain-based business processing method, apparatus, and electronic device

Abstract

The application discloses a kind of based on blockchain business processing method, device and electronic equipment.It relates to the field of financial technology, and the method comprises the following steps: receiving target transaction business initiated by target account based on blockchain;Based on the transaction management contract deployed on the blockchain, the target transaction business is verified, and a verification result is obtained;In the case where the verification result indicates that the target transaction business is verified, based on the digital asset contract deployed on the blockchain, the target transaction business is executed, wherein the multiple lists and account abnormal list are constructed and updated in real time based on the supervision end in the blockchain.The application solves the technical problem of low security in related art when conducting business transactions based on blockchain.

Description

TECHNICAL FIELD

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

[0002] With the popularization of digital renminbi, more and more transaction activities can be real-time cleared and settled on the blockchain, realizing the improvement of transaction transparency and the optimization of operation efficiency. However, the blockchain-based clearing system in the related art has exposed some inherent challenges in actual operation. Although the decentralized nature of the blockchain can reduce the cost of trust and ensure the immutability of transactions, it also provides potential convenience for non-compliant transaction activities, such as abnormal transactions, digital asset speculation, and other forms of non-compliant transactions.

[0003] Under the centralized clearing system in the related art, payment institutions can effectively prevent such risks from occurring through strict compliance procedures and monitoring means. However, in a decentralized blockchain environment, due to the enhanced anonymity of transactions and the lack of direct control by a single institution, regulatory authorities face great difficulties in tracking and controlling such irregular behavior. In summary, the business transaction method based on the blockchain in the related art has the technical problem of low security and difficulty in effectively preventing and controlling non-compliant transaction activities.

[0004] At present, there is no effective solution to the above problems. SUMMARY

[0005] The embodiments of the present application provide a business processing method and device based on a blockchain and an electronic device to at least solve the technical problem of low security when conducting business transactions based on the blockchain in the related art.

[0006] According to an aspect of an embodiment of the present application, a business processing method based on a blockchain is provided, including: 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 a transaction involves entities in a plurality of lists, wherein the plurality of 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; in the case that the verification result indicates that the target transaction business is verified, executing the target transaction business based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets in a blockchain account and entity assets is pre-established in the digital asset contract, used to verify the compliance of an account according to an account abnormal list and control the asset transfer operation of the account, and the plurality of lists and the account abnormal list are constructed and updated in real time based on a regulatory end in the blockchain.

[0007] According to another aspect of embodiments of the present application, there is also provided a blockchain-based business processing apparatus, comprising: a receiving module configured to receive a target transaction business initiated based on a blockchain to a target account; a verifying module configured 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 configured to check whether a transaction involves entities in a plurality of lists, wherein the plurality of lists at least include an institution abnormality list and / or an institution authorization list, a business abnormality list and / or a business authorization list, and a contract abnormality list and / or a contract authorization list; and a business executing module configured to, in a case where the verification result indicates that the target transaction business passes the verification, execute the target transaction business based on a digital asset contract deployed on the blockchain, wherein the digital asset contract has a mapping relationship between digital assets in a blockchain account and entity assets pre-established therein, and is configured to verify compliance of an account and control asset transfer operations of the account according to an account abnormality list, and the plurality of lists and the account abnormality list are constructed and updated in real time based on a regulatory end in the blockchain.

[0008] According to another aspect of embodiments of the present application, there is also provided a non-volatile storage medium storing a plurality of instructions adapted to be loaded and executed by a processor to implement any of the blockchain-based business processing methods.

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

[0010] In the embodiment of the present application, a target transaction service initiated by a target account based on a blockchain is received; the target transaction service is verified 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 a transaction involves entities in a plurality of lists, wherein the plurality of lists at least include an institution abnormal list and / or an institution authorized list, a service abnormal list and / or a service authorized list, and a contract abnormal list and / or a contract authorized list; in a case where the verification result indicates that the target transaction service passes verification, the target transaction service is executed based on a digital asset contract deployed on the blockchain, wherein a mapping relationship between digital assets in a blockchain account and entity assets is pre-established in the digital asset contract, which is used to verify the compliance of an account according to an account abnormal list and control asset transfer operations of the account, and the plurality of lists and the account abnormal list are constructed and updated in real time based on a supervision end in the blockchain, so as to achieve the purpose of introducing a supervision end in a blockchain system to construct and update abnormal lists and authorized lists in real time, and perform safe 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 when performing business transactions based on the blockchain in the related art. BRIEF DESCRIPTION OF DRAWINGS

[0011] The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

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

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

[0014] In order for those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the accompanying drawings of the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor should fall within the scope of protection of the present application.

[0015] It should be noted that the terms "first", "second", and the like in the description and in the claims of the present application and the above-described accompanying drawings are used to distinguish similar objects, and do not necessarily have to be used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device that includes a series of steps or units does not have to be limited to those steps or units clearly listed, but can 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 application, 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 herein can be executed in an order different from that shown herein.

[0017] Figure 1 is a flowchart of a blockchain-based business processing method according to an embodiment of the present application, as shown in Figure 1 the method comprises the following steps:

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

[0019] Optionally, when a user (target account) initiates a transaction (target transaction business) using a smart contract on a blockchain network, such as the user recharges or performs a payment operation in the smart contract prepayment card system of a beauty salon, the transaction will be submitted to the transaction memory pool of the blockchain in the form of a data packet. The transaction memory pool is a place in the blockchain network that manages pending transactions, and it classifies different transactions to prioritize regulatory transactions. Once the target transaction business is received by the transaction memory pool, it is further checked to see if there are any higher priority regulatory transactions to be processed. If not, select transactions from the ordinary transaction pool in a certain order (for example, the height of the transaction fee or the first-come-first-served principle of the transaction) for processing. After the target transaction business is selected, it will be sent to the transaction management contract module for further verification.

[0020] In step S104, the target transaction business is verified based on a transaction management contract deployed on the blockchain, and a verification result is obtained. The transaction management contract is used to check whether the transaction involves entities in a plurality of lists, at least including 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 a plurality of lists, including an institution abnormal list, an institution authorized list, a business abnormal list, a business authorized list, a contract abnormal list, and a contract authorized list. These lists are constructed by the regulatory end and updated in real time to ensure the compliance and security of business transactions. For example, the transaction management contract checks the contract authorized list, the business authorized list, and the institution authorized list / institution abnormal list. Through the contract authorized list, it can be confirmed whether the smart contract initiating the transaction is in the authorized list, i.e., whether it has the right to conduct a specific type of transaction. Through the business authorized list, it can be confirmed whether the business involved in the transaction is in the authorized list, i.e., whether the business has been approved by the supervision. Through the institution authorized list / institution abnormal list, it can be confirmed whether the account or institution involved in the transaction is in the authorized list or is listed 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) can include, but is not limited to, a collection account related list, a classification strategy related list, a prepaid card approval related list, a transfer limit related list, 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 appearing on this list can be identified by the smart contract as a compliant payee, thereby allowing the execution of payment transactions. For example, if a beauty salon's blockchain account 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 strategy authorization list is used to provide different business entities in the blockchain system with the permission and rules of the account operation. This list details which merchants or business types can use specific account strategies, such as automatically distributing income to multiple partners according to a certain percentage. Only when a merchant and an account strategy involved in an account transaction appear on this authorization list will the transaction management contract allow the execution of the account operation, thereby ensuring the compliance and transparency of the account process. The prepaid card approval authorization list is a permission control list designed specifically for prepaid card businesses, which clearly states which merchants or business entities are allowed to issue and manage prepaid cards. The payment institution and regulatory authorities will review the qualifications and business plans of merchants according to the compliance requirements of prepaid card businesses. Only merchants that pass 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, perform operations such as charging and consumption. Merchants who are not on the list will not be able to perform any prepaid card-related business transactions, 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 to avoid excessive consumption of system resources by small transactions.

[0023] In an optional embodiment, in the case of including the institution exception list, the plurality of business exception lists, and the contract exception list in the plurality of lists, verifying the target transaction business 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 the target business exception list corresponding to the target business type from the plurality of business exception lists, wherein the plurality of business exception lists correspond to different business types; in the case that 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 that the verification result is that the target transaction business is verified; in the case 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, determining that the verification result is that the target transaction business is not verified.

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

[0025] Determining the target institution to which the target account belongs: by analyzing the initiation account of the target transaction business, identifying the institutional entity behind the account, such as a merchant, a payment platform, etc.; determining the target business type of the target transaction business: identifying the specific type of the target transaction business, such as a transfer transaction, a prepaid card recharge, an account distribution transaction, etc.; determining the target transaction contract corresponding to the target transaction business: identifying the smart contract required to execute the target transaction business, and 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 deployed plurality of business exception lists, and this process is based on the correspondence between the business type and the exception list. For example, for a 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 in the institution exception list, it can be ensured that the institution involved in the transaction is compliant and has not been listed as an exception, which means that the institution is trusted at the regulatory level; by verifying that the target business type is not in 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 in the contract exception list, it can be ensured that the smart contract executing the transaction business is reviewed and authorized, and does not contain code or logic that may lead to non-compliant transactions.

[0027] If all the three conditions are met, i.e., the target institution, the target business type, and the target transaction contract are not in the corresponding exception lists, the transaction management contract determines that the verification result is that the target transaction business is verified, which means that the transaction is allowed to proceed, and the next step will call the digital asset contract (digital currency contract module) to execute the asset transfer operation in the transaction. On the contrary, if any one of the conditions is met, i.e., 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, the transaction management contract determines that the verification result is that the target transaction business is not verified, which means that the transaction has compliance problems and cannot be processed. At this time, 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, ensuring that every transaction is conducted under regulatory frameworks. At the same time, through the automatic execution of smart contracts, delays and errors caused by human intervention can be avoided, improving the efficiency and security of business transactions.

[0029] In an optional embodiment, in the case of including an institution authorization list, a plurality of business authorization lists, and a contract authorization list in the plurality of lists, based on the transaction management contract deployed on the blockchain, the target transaction business is verified 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 the target business authorization list corresponding to the target business type from the plurality of business authorization lists, wherein the plurality of business authorization lists correspond to different business types; in the case that the target institution is in the institution 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 is verified; in the case that 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, determining that the verification result is that the target transaction business is not verified.

[0030] Optionally, when the transaction management contract receives a target transaction business, it first identifies and extracts the following key information: determine the target institution to which the target account belongs: by analyzing the initiating account of the target transaction business, the institution entity behind the account is identified, such as merchants, payment service providers, etc., in order to confirm whether the institution involved in the transaction has been authorized to conduct on-chain payment transactions; determine the target business type of the target transaction business: identify the specific business type, such as transfer, prepaid card recharge, account distribution, etc., in order to check whether the business type is in the corresponding business authorization list; determine the target transaction contract corresponding to the target transaction business: determine the smart contract required to execute the transaction business, in order to check whether the contract itself is in the contract authorization list, and ensure that the contract function meets the compliance requirements of the payment institution and the regulatory institution.

[0031] Next, the transaction management contract will find the target business authorization list matching the target business type from the pre-defined multiple business authorization lists. For example, for a 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 checks 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 regulatory institution, and can 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 regulatory institution, allowing it 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 regulatory institution, and can be safely used on the chain.

[0032] If the above three authorization conditions are met, the transaction management contract will determine that the verification result is that the target transaction business is verified, which means that the transaction is within the authorized scope and is allowed to continue to the digital asset contract execution phase to complete the transfer of funds. Conversely, if any of the conditions that 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 is not met, the transaction management contract will determine that the verification result is that the target transaction business is not verified, 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 on-chain transactions are subject to strict authorization checks, and only institutions, business types and smart contracts that have been reviewed and authorized can be 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 human 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; if there is no regulatory transaction in the regulatory transaction pool, the target transaction business is verified based on the transaction management contract to obtain a verification result; or if there is a regulatory transaction in the regulatory transaction pool, the target transaction business is temporarily stored in the ordinary transaction pool, and when the regulatory transaction included in the execution of the regulatory transaction pool is completed, the transaction business included in the ordinary transaction pool is verified based on the transaction management contract to obtain a verification result, wherein the ordinary transaction pool is used to store transaction businesses initiated by transaction accounts, and the ordinary 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 exception lists, blocking specific transactions, and freezing account permissions. These transactions have priority and must 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 purchases. 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 first detects whether there is a to-be-processed regulatory transaction 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 in the account exception list, and these updates have a direct impact on the subsequent verification of ordinary transactions. If it is detected that there is a regulatory transaction in the regulatory transaction pool, the transaction memory pool management module will prioritize processing the regulatory transaction in the regulatory transaction pool. This means that the blockchain system will temporarily suspend processing the target transaction business in the ordinary transaction pool until the regulatory transaction is completed, thereby ensuring that regulatory instructions can be executed in a timely manner and not delayed by other ordinary transaction requests. After the regulatory transaction is completed, it is checked whether there are target transaction businesses that are temporarily stored. If there are, these ordinary transaction businesses will be restored from the temporary storage state to the ordinary transaction pool and wait to be verified and processed by the transaction management contract. The key point here is that the transaction management contract will use the latest updated compliance status when verifying ordinary transaction businesses to ensure the accuracy and timeliness of the verification results. If there is no regulatory transaction 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 authorized list, and whether the target account is in the account exception list. Only when all verification conditions are met, the transaction business will be allowed to execute and call the digital asset contract for fund operation.

[0038] In the above manner, the priority of regulatory transactions can be ensured, allowing regulatory agencies to intervene immediately when necessary to adjust the system state without being disturbed by ordinary transactions. At the same time, the processing flow of ordinary transaction businesses can also be guaranteed, even if it needs to be temporarily stored and wait for the completion of the regulatory transaction, it can quickly recover and be verified, thereby maintaining the overall transaction efficiency and continuity of the blockchain system for business transactions.

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

[0040] Optionally, if the transaction management contract verifies that all entities involved in the target transaction business meet the requirements and are not listed in any abnormal list, the verification result indicates that the target transaction business passes the verification. At this time, the transaction management contract will call the digital asset contract (i.e., the digital currency contract module) to perform the asset transfer operation involved in the transaction, such as a transfer or a prepaid card charge. The digital asset contract has previously established a mapping relationship between digital assets in the blockchain account and entity assets (such as reserve funds), and can verify the compliance of the account again according to the account abnormal list to ensure the safety and compliance of the fund level transfer operation. Thus, it is ensured that each transaction is strictly reviewed for compliance before execution in the process of performing a transaction business (such as payment clearing) based on a blockchain, effectively preventing non-compliant transaction activities, while ensuring the transparency and reviewability of transactions, meeting regulatory requirements.

[0041] In an optional embodiment, in the case where the verification result indicates that the target transaction business passes the verification, the target transaction business is executed based on the digital asset contract deployed on the blockchain, including: in the case where the verification result indicates that the target transaction business passes the verification, detecting whether the target account is in the account abnormal list constructed in the digital asset contract; in the case where the target account is not in the account abnormal 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 passes the verification, i.e., the target institution, the target business type, and the target transaction contract all meet the requirements in the authorization list, the next step is to call the digital asset contract to perform asset-level transactions. However, before that, the digital asset contract (such as a digital currency contract) will again check the target account involved in the transaction to ensure that the account itself is not listed in the account abnormal list. Specifically, the digital asset contract will automatically compare the target account information with the records in the account abnormal list when receiving a transaction request. This list contains accounts that may be involved in abnormal transaction behavior, for example, accounts that have been used for abnormal transactions, malicious speculation, or other abnormal activities. If the detection result shows that the target account is not listed 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 perform digital currency issuance, transfer, or destruction of business transaction operations to complete the fund level transfer of the target transaction business. If the target account appears in the account abnormal 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] By the above method, it can be ensured that even if the transaction meets the authorization requirements at the business level, the transaction execution at the fund level still needs to pass the 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 regulatory agencies with more comprehensive tools to control and prevent potential non-compliant financial activities, while also protecting the assets of users and compliant merchants, maintaining the stability and order of the financial market.

[0044] In an optional embodiment, the method further comprises: if the target account is not in the account exception list, detecting by the regulatory end whether the target account has abnormal transaction behavior; if the target account has abnormal transaction behavior, updating the target account to the account exception list by the regulatory end and prohibiting the execution of the target transaction business.

[0045] Optionally, when the target account performs a transaction, if the account is not in the account exception list, it means that the account is currently recognized by the system as compliant and can carry out normal transaction activities. Next, the regulatory end (regulatory module) will actively start monitoring the transaction behavior of the target account. This includes but is not limited to analyzing the account's recent transaction frequency, transaction amount, transaction counterparties, transaction time, etc. data to identify whether there is abnormal behavior. The monitoring process can be realized by using risk control algorithms, risk control models, etc. Combined with historical data and real-time transaction information, it assesses whether the target account's transaction has high-risk characteristics such as abnormal fund flow, frequent interaction with abnormal transaction accounts, abnormal time pattern, etc. If the target account has abnormal transaction behavior, for example, the account's fund flow does not match the normal transaction pattern, or involves large amount, high frequency transactions, etc., which may imply that the account is used for abnormal transaction activities. In the case of determining that the target account has abnormal transaction behavior, the regulatory end will immediately update the account to the account exception list. This operation can be carried out 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 exception list, the digital asset contract (such as the digital currency contract module) in the blockchain system will automatically identify the account as an abnormal account and reject its fund operation in any subsequent transaction request, effectively preventing the account from engaging in non-compliant transaction activities.

[0046] By the above method, the supervision end can identify and prevent abnormal transaction behavior in time before or during the transaction, thereby controlling the risk 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 capability of business transactions on the blockchain can be enhanced, and early warning and rapid response to abnormal transaction behavior can be realized. Thus, the dynamic updating of the account abnormal list is ensured, making the supervision mechanism more flexible and efficient, which helps to implement effective supervision in the decentralized blockchain environment and maintain the order of compliant transactions. At the same time, the automatic execution of this process can reduce the need for manual intervention and improve the overall efficiency and accuracy of business transactions on the blockchain.

[0047] In an optional embodiment, in the case of including a plurality of business authorization lists in the plurality of lists, the method further comprises: receiving a business application initiated by a first account for a first transaction business, determining a first business type corresponding to the first transaction business; based on the business authorization contract and the first business type, the first account is authorized for the first transaction business, wherein the business authorization contract is used for approving and authorizing a plurality of business activities; from the plurality of business authorization lists, a first business authorization list corresponding to the first business type is determined, and the first business type is stored in the first business authorization list.

[0048] Optionally, when receiving a service application initiated by a first account (e.g., a blockchain account of a certain merchant) for a first transaction service (such as prepaid card recharge, account distribution, etc.), the specific service type corresponding to the service application is first identified, such as a prepaid card service, an instant payment service, or other types. The service authorization contract module is used for approval and authorization operations. The service authorization contract module is deployed and maintained by the payment institution, and its function is to approve and authorize various service activities according to regulatory rules and internal policies of the payment institution. According to the first service type of the application, the first service authorization list corresponding to it is found in the deployed multiple service authorization lists. Each service type may correspond to one or more authorization lists, such as transaction types (transfer, recharge, etc.), industry types (dining, retail, beauty, etc.), etc. The service authorization contract module will approve the first account according to the application content. The approval process can include but is not limited to checking the compliance of the application materials, assessing the credit risk of the merchant, confirming that the service type meets the regulatory requirements, etc. If the approval is passed, the service authorization contract module will store the first service type in the first service authorization list, and at the same time store the detailed information of the first account (such as merchant ID, enterprise name, business scope, etc.) in the corresponding authorization list, to ensure that the account is formally authorized to perform a specific type of service. Once the first service type is added to the first service authorization list, the first account can use the smart contract and process related to the service type in subsequent transactions to perform compliant business operations, such as prepaid card recharge and consumption, and account distribution strategy execution, without the need for separate authorization each time. This process can ensure the transparency and traceability of business authorization, as each authorization information is recorded on the blockchain and can be viewed and audited by the payment institution and regulatory authorities in real time.

[0049] In the above manner, dynamic and accurate authorization management of merchants or users of specific service types can be achieved, ensuring that only merchants who have been audited and authorized can perform specific on-chain services, thereby ensuring business flexibility while maintaining compliance and security of business transactions on the blockchain.

[0050] Through the above steps S102 to S106, the purpose of introducing a regulatory end in the blockchain system to construct and update the real-time exception list and authorization list, and to conduct safe on-chain transactions based on the transaction management contract and digital asset contract deployed on the blockchain can be achieved, thereby achieving the technical effect of improving the security of business transactions on the blockchain, and further solving the technical problem of low security when conducting business transactions based on the blockchain in related technologies.

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

[0052] The digital currency contract module (i.e. digital asset contract) is deployed and operated by the payment institution, and is used to issue digital assets (such as digital currency) linked to physical assets (such as reserve funds) on the blockchain for on-chain accounting. The credit of the payment institution ensures that the issued digital currency has a stable credit basis in the blockchain system, and its functions include increasing and destroying digital currency. The module includes the smart contract system on the chain and the fund account management system inside the payment institution, and its core function is to:

[0053] Establish a one-to-one mapping relationship between digital assets in the blockchain account and physical assets (such as reserve funds) held by the payment institution, and ensure that each change in on-chain funds has sufficient physical assets as a guarantee. Ensure that the blockchain account holding digital assets (such as digital currency) is a compliant account. When receiving a call, compare the account exception list provided by the supervisory agency, ignore the upper business content, and prevent any asset operations of the accounts in the exception list at the fund level.

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

[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 in the authorization list, and whether the transaction-related enterprise is in the exception list. Interception of transactions outside the authorization list or inside the exception list.

[0056] Call the digital currency contract for transfer. Only the transaction management contract can directly call the digital currency contract for transfer, separate the use of funds from the management of funds, and ensure the safety of funds.

[0057] Provide a business upgrade entry to ensure system security and stability. The transaction management contract can support more business lists (i.e. exception list, authorization list) by upgrading, introduce more complex business supervision strategies, such as pre-paid card business authorization list, authorized payee list, etc. And by deploying multiple transaction management contracts, different supervision strategies can be implemented for different businesses, achieving separate management of different businesses.

[0058] The business authorization contract module includes a payment business management system and a business authorization contract module deployed on a blockchain, which is used by payment institutions to approve and authorize various business activities. Any merchant who wants to carry out transaction business in the system must first submit an application for business to the business management system, and after approval, it can enter the corresponding authorization list. Its core role is to:

[0059] Authorization list management. The business authorization module can manage multiple authorization lists according to specific business types, including contract authorization lists with greater permissions and specific business authorization lists with smaller permissions, including collection account authorization lists, account strategy authorization lists, and pre-paid card approval authorization lists. The transaction management contract uses different authorization lists to verify transaction compliance when processing transactions.

[0060] Business information storage and record. For businesses on the authorization list, business-related subjects and content information need to be encrypted and stored on the chain for record-keeping to synchronize with the regulatory end (i.e., regulatory agencies).

[0061] The business contract module provides standardized contract templates by payment institutions, and merchants modify the parameters according to their business needs and deploy them on the chain. The deployment process does not require authorization. The core role of the business contract module is mainly:

[0062] Independent business processing, processing transactions that do not involve asset transfer and clearing, such as creating a blockchain account for a user and registering specific assets.

[0063] Call the transaction management contract module to apply for digital currency transfer between blockchain accounts and obtain the transfer result. This transaction is managed by regulatory agencies.

[0064] The regulatory module is managed by regulatory agencies, including a regulatory agency system and a regulatory contract.

[0065] The main role of the regulatory contract is to update the chain exception list, including account exception list, agency exception list (such as enterprise exception list), and business exception list. The regulatory exception list is shared by the entire network, and all digital currency contracts and transaction management contracts in the network must be intercepted according to these exception lists. The main role of the regulatory agency system includes:

[0066] Responsible for monitoring the content of transactions already on the chain and the content of transactions in the transaction pool waiting to be on the chain, monitoring large transactions or high-frequency transactions, and interfacing with external risk control systems to determine whether there are high-risk transactions.

[0067] Synchronize and decrypt the business record information on the chain.

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

[0069] The transaction memory pool management module is responsible for sorting the underlying transactions of the blockchain. The memory pool divides the transactions into regulatory transactions and ordinary transactions according to the transaction object and transaction type identifier, and places them in the regulatory transaction pool and the ordinary transaction pool, respectively. When there are transactions in the regulatory transaction pool, the blockchain node processes the transactions in the regulatory transaction pool separately when it performs block generation, and stops processing the transactions in the ordinary transaction pool. Until the next block generation round, there are no more transactions in the regulatory transaction pool, and the processing of the ordinary transaction pool begins. The role of the transaction memory pool management module is:

[0070] The regulatory agency can add transactions or related units to the abnormal list before the transaction is confirmed, and block the execution of the transaction in a timely manner.

[0071] The regulatory transactions and ordinary transactions are processed in different blocks, which can prevent the regulatory transactions from being accessed by abnormal transactions that may exist in ordinary transactions.

[0072] The embodiment also provides a business processing method based on a blockchain. The method can be applied to the clearing system described above, and the method comprises the following steps:

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

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

[0075] S3, the merchant initiates a business registration application to the payment institution in the payment business management system and submits the audit materials.

[0076] S4, the business agency audit personnel confirm the materials and confirm the business registration. The system calls the business authorization contract to add the business information of the merchant to the contract authorization list of the business, and encrypts and records the part of the materials of the merchant in the authorization list.

[0077] S5, the regulatory agency system listens to the new business registration information in real time, synchronously decrypts the record information to its own system.

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

[0079] S7, the transaction enters the normal transaction pool, the regulatory agency system retrieves the transaction, and analyzes the transaction content. If the risk control strategy is triggered, the regulatory transaction modifies the abnormal list or initiates the regulatory transaction to block this transaction, otherwise no operation is performed.

[0080] S8, the blockchain node processes the memory pool transaction regularly. If there is a regulatory transaction, only the regulatory transaction is processed in this round, otherwise the normal transaction is processed.

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

[0082] S10, after the digital currency contract is called, the transaction account is compared with the account abnormal list on the chain. If the account is compliant, the digital currency 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 throws the transaction notification to the user.

[0084] As an optional embodiment, "certain payment" deploys a set of smart contract clearing system based on the original payment ability, cooperates with multiple beauty institutions, and develops smart contract prepaid card business.

[0085] "Certain payment" first builds a blockchain system, and the financial regulatory department and the account supervision department participate in the deployment of the blockchain node together. "Certain payment" deploys a series of contracts such as digital currency contract, transaction management contract, business authorization contract on the blockchain, and deploys a regulatory contract for the account supervision department, financial supervision department, and internal risk control business department.

[0086] The account supervision department regularly updates the abnormal list of non-compliant accounts on the blockchain network, and the financial supervision department updates the risk enterprise abnormal list and the prohibited risk business type abnormal list according to the regulatory policy on the blockchain network.

[0087] The risk control department connects the clearing system and has the permission to read the transaction information waiting for execution in the memory pool, analyzes the transaction information, and can send regulatory transactions to block the transaction.

[0088] After the business is online, a beauty salon applies for smart contract prepaid card business in "certain payment", and "certain payment" business personnel help it to deploy the prepaid card business contract on the chain after auditing the data of the beauty salon, and add the contract to the payable authorization list.

[0089] After the beauty salon opens for business, it starts to carry out normal business, and users purchase prepaid cards with funds. One day, the risk control system monitors that the transaction frequency of a certain account under the contract of the beauty salon suddenly rises, and the size of the fund in and out exceeds the risk control threshold. The risk control system issues an abnormal transaction warning and triggers a temporary control mechanism, issues a regulatory transaction on the blockchain, temporarily lists the abnormal receiving account in the abnormal receiving list, freezes the receiving permission of the account, and notifies the account supervision department for verification.

[0090] The blockchain prioritizes the regulatory transaction and updates the abnormal list. The payment transaction that has been issued on the chain but has not been executed is invalid when the digital currency contract verifies the permission during the transaction, as the receiving account is in the abnormal list.

[0091] After receiving the risk control warning, the account supervision department went to the former beauty salon to verify the reason for the abnormal receiving, found that the source of the large amount of income and expenditure of the beauty salon was unknown, and there were non-compliant transaction problems. The account supervision department requires the beauty salon to rectify and mark the enterprise in the relevant business system. The relevant business system automatically issues a regulatory transaction to the blockchain to add the beauty salon to the enterprise abnormal list, prohibiting all receiving business of the beauty salon.

[0092] Users use the contract of the beauty salon to initiate payment, or use the contract business of other enterprises to initiate payment to the account of the beauty salon, which will be rejected by the transaction management contract. But the prepaid card purchased by the user in the beauty salon can be used normally.

[0093] After the beauty salon is rectified, the account supervision department checks that there is no problem, cancels the mark on the enterprise in the relevant business system, and synchronously removes the beauty salon from the abnormal list on the blockchain. The beauty salon can normally carry out prepaid card receiving business again.

[0094] It should be noted that in the present embodiment, the blockchain smart contract technology is combined with regulatory requirements, a safe and reliable permission verification mechanism is constructed through the list mechanism, and a regulatory mechanism is constructed through the management of the transaction in-memory pool, ensuring that only businesses that have been reviewed and are not in the abnormal list can carry out payment clearing business, thereby limiting and eliminating the occurrence of transaction behaviors that may involve malicious speculation and other illegal behaviors.

[0095] A reviewable smart contract architecture is designed and implemented, so that each clearing transaction can be traced back to an entity with clear responsibility, facilitating real-time monitoring of transaction dynamics by regulatory agencies and improving transaction transparency and audit efficiency. Through the smart contract architecture, regulatory strategies can be configured separately from the business level, subject level, and fund level of clearing transactions, and non-clearing transactions on the blockchain are 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 transaction blacklists and graylists 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 provides a regulatory mechanism for controlling on-chain payment transactions, ensuring pre-transaction regulation and mid-transaction blocking. By redesigning the underlying blockchain transaction pool, regulators can intervene in on-chain transactions at any time. This mechanism ensures that every transaction is linked to a clear responsible party and is auditable. Regulators can intervene when necessary to monitor the operational status of smart contracts and suspend non-compliant operations. This approach effectively fills the regulatory gap in the current blockchain environment while maintaining the efficiency and transparency of blockchain technology, achieving a seamless integration of decentralization and compliance.

[0099] This embodiment also provides a blockchain-based business processing device for implementing the above-mentioned embodiments and preferred implementations. Details already described will not be repeated here. As used below, the terms "module" and "device" may refer to a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation using hardware, or a combination of software and hardware, is also possible and contemplated.

[0100] According to an embodiment of the present invention, there is also provided an embodiment of a device for implementing the above-mentioned blockchain-based business processing method. Figure 2 is a schematic diagram of the structure of a blockchain-based business processing device according to an embodiment of the present invention. Figure 2 As shown, the 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 configured to receive a target transaction initiated by a target account based on the blockchain;

[0102] The verification module 202 is connected to the receiving module 200 and is configured 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 configured to check whether the transaction involves entities in a plurality of lists, wherein the plurality of lists at least include an institution abnormal list and / or an institution 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 configured 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 passes the verification, wherein the digital asset contract has a mapping relationship between digital assets in a blockchain account and entity assets pre-established therein, is configured to verify the compliance of the account according to the account abnormal list and control the asset transfer operation of the account, and the plurality of lists and the account abnormal list are constructed based on a regulatory end in the blockchain and are updated in real time.

[0104] In the embodiment of the present application, the receiving module 200 is configured to receive a target transaction business initiated by a target account based on a blockchain, the verification module 202 is connected to the receiving module 200 and is configured 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 configured to check whether the transaction involves entities in a plurality of lists, wherein the plurality of lists at least include an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, and a contract abnormal list and / or a contract authorized list, and the business execution module 204 is connected to the verification module 202 and is configured 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 passes the verification, wherein the digital asset contract has a mapping relationship between digital assets in a blockchain account and entity assets pre-established therein, is configured to verify the compliance of the account according to the account abnormal list and control the asset transfer operation of the account, and the plurality of lists and the account abnormal list are constructed based on a regulatory end in the blockchain and are updated in real time, so as to achieve the purpose of introducing a regulatory end in the blockchain system to construct and update the abnormal list and the authorized list in real time, and to perform a safe on-chain transaction 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 the business transaction on the blockchain, and further solving the technical problem of low security in the related art when performing a business transaction based on the blockchain.

[0105] It should be noted that each of the above modules can be implemented by software or hardware, for example, for the latter, the following implementation modes can be used: each of the above modules can be located in the same processor; or each of the above modules is 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-S106 in the embodiments, and have the same instances and application scenarios as the corresponding steps, but are not limited to the above-mentioned embodiments. It should be noted that the above modules can be run in a computer terminal as part of the device.

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

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

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

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

[0111] Optionally, in the present embodiment, the non-volatile storage medium can be located in any one of a group of computer terminals in a computer network, or in any one of a group of mobile terminals, and the non-volatile storage medium includes a stored program.

[0112] Optionally, the device where the non-volatile storage medium is located performs the following functions under the control of the program running time: receiving a target transaction service initiated by a target account based on a blockchain; verifying the target transaction service 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 a plurality of lists, wherein the plurality of lists at least include an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, and a contract abnormal list and / or a contract authorized list; and in the case where the verification result indicates that the target transaction service is verified, executing the target transaction service based on a digital asset contract deployed on the blockchain, wherein the digital asset contract has a mapping relationship between digital assets in a blockchain account and entity assets pre-established therein, and is used to verify the compliance of an account and control the asset transfer operation of the account according to an account abnormal list, and the plurality of lists and the account abnormal list are constructed and updated in real time based on a regulatory end in the blockchain.

[0113] According to the embodiments of the present application, an embodiment of a processor is also provided. Optionally, in the present embodiment, the processor is used to run a program, wherein the program performs any of the above business processing methods based on a blockchain when running.

[0114] According to the embodiments of the present application, an embodiment of a computer program product is also provided. Optionally, in the present embodiment, the computer program product includes a computer program, and the computer program is executed by a processor to implement the steps of any of the above business processing methods based on a blockchain.

[0115] Optionally, the computer program product, when executed on a data processing device, is adapted to execute a program that is initialized with the following method steps: receiving a target transaction service initiated by a target account based on a blockchain; verifying the target transaction service 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 a plurality of lists, wherein the plurality of lists at least include an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, and a contract abnormal list and / or a contract authorized list; and in the case where the verification result indicates that the target transaction service is verified, executing the target transaction service based on a digital asset contract deployed on the blockchain, wherein the digital asset contract has a mapping relationship between digital assets in a blockchain account and entity assets pre-established therein, and is used to verify the compliance of an account and control the asset transfer operation of the account according to an account abnormal list, and the plurality of lists and the account abnormal list are constructed and updated in real time based on a regulatory end in the blockchain.

[0116] The electronic device provided by the embodiment of the present application comprises a processor, a memory and a program stored in the memory and executable on the processor, and the processor implements the following steps when executing the program: receiving a target transaction service initiated by a target account based on a blockchain; verifying the target transaction service 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 a plurality of lists, wherein the plurality of lists at least comprise an institution abnormal list and / or an institution authorized list, a business abnormal list and / or a business authorized list, and a contract abnormal list and / or a contract authorized list; and executing the target transaction service based on a digital asset contract deployed on the blockchain in the case that the verification result indicates that the target transaction service passes the verification, wherein a mapping relationship between digital assets in the blockchain account and entity assets is established in the digital asset contract in advance, and the mapping relationship is used to verify the compliance of the account based on the account abnormal list and control the asset transfer operation of the account, and the plurality of lists and the account abnormal list are constructed and updated in real time based on a supervision end in the blockchain.

[0117] The sequence of the above-mentioned embodiments of the present application is only for description, and does not represent the advantages and disadvantages of the embodiments.

[0118] In the above-mentioned embodiments of the present application, the description of each embodiment has its own emphasis, and the parts not described in detail in a certain embodiment can be referred to the related description of other embodiments.

[0119] In the several embodiments provided by the present application, it should be understood that the disclosed technology can be implemented in other ways. Of course, the device embodiment described above is only illustrative, and for example, the division of the above modules can be a logical function division, and there can be another division manner in actual implementation, for example, a plurality of modules or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the shown or discussed mutual ones can be through some interfaces, indirect coupling or communication connection between modules or modules, which can be electrical or other forms.

[0120] The modules described as separate components can or can not be physically separated, and the components shown as modules can or can not be physical modules, i.e. they can be located in one place or distributed to multiple modules. Part or all of the modules can be selected to achieve the purpose of the embodiment of the present application according to actual needs.

[0121] In addition, each functional module in each embodiment of the present application can be integrated in one processing module, or each module can exist physically, or two or more modules can be integrated in one module. The above integrated module can be realized in the form of hardware or software functional module.

[0122] The integrated module described above, if implemented in the form of a software function module and sold or used as an independent product, can be stored in a computer-readable nonvolatile storage medium. Based on this understanding, the technical solutions of the present application or the entire or part of the technical solutions that essentially contribute to the prior art can be embodied in the form of a software product. The computer software product is stored in a non-volatile storage medium and includes a number of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the various embodiments of the present application. The aforementioned non-volatile storage medium includes: a U disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a mobile hard disk, a magnetic disk or an optical disk, and various media that can store program codes.

[0123] The above is only the preferred embodiment of the present application, and it should be pointed out that for those skilled in the art, without departing from the principles of the present application, a number of improvements and refinements can be made, and these improvements and refinements should be considered as the protection scope of the present application.

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; 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 on 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, and a contract abnormality list and / or a contract authorization 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 and control the asset transfer operation of the account based on the account abnormality list. The multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time; wherein, the digital assets in the blockchain account and the physical assets held by the payment institution have a one-to-one mapping relationship, ensuring that the blockchain account with sufficient physical assets as endorsement for each on-chain fund change is a compliant account.

2. The method according to claim 1, characterized in that In a case where the multiple lists include an institution abnormality list, multiple business abnormality lists, and a contract abnormality 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 included in the institution exception list, the target business type is not included in the target business exception list, and the target transaction contract is not included 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, the verification result is determined to be that the target transaction business verification fails.

3. The method according to claim 1, characterized in that In a 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; If 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 fails.

4. The method according to claim 1, wherein 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 on the account abnormality list constructed in the digital asset contract; If the target account is not on 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 included in the account abnormality list, detecting whether the target account has abnormal transaction behavior through the supervisory terminal; In the event 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 a business authorization contract and the first business type, performing business authorization on 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 are any regulatory transactions in the regulatory transaction pool, wherein the regulatory transactions are transactions initiated by the regulatory end; If 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 stored in the general transaction pool. When the execution of the regulated transaction included in the regulated transaction pool is completed, 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 transaction businesses initiated by transaction accounts, and the general transaction pool includes at least the target transaction business.

8. A business processing device based on blockchain, characterized in that: include: A receiving module, configured to receive a target transaction initiated by a target account based on the blockchain; a verification module, configured to verify the target transaction business based on a transaction management contract deployed on the blockchain and obtain a verification result, wherein the transaction management contract is configured to check whether the transaction involves entities on multiple lists, wherein the multiple lists include at least an institution abnormality list and / or an institution authorization list, a business abnormality list and / or a business authorization list, and 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 based on the account abnormality list. The multiple lists and the account abnormality list are constructed based on the regulatory end in the blockchain and updated in real time; wherein the digital assets in the blockchain account and the physical assets held by the payment institution have a one-to-one mapping relationship, ensuring that the blockchain account with sufficient physical assets as endorsement for each on-chain fund change is a compliant account.

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

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