Blockchain-based freight directional payment method and system

Abstract

The application discloses a blockchain-based freight directional payment method and system, and the method comprises the following steps: generating a first smart contract; obtaining loan result information and querying the corresponding first smart contract from the blockchain network according to the smart contract identifier and verifying; if the verification is passed, the first smart contract is requested to be called, and the driver's freight is batch transferred from the logistics company's wallet to the corresponding driver's wallet; if the first smart contract is executed successfully, a second smart contract is generated; a payment request sent by the driver is obtained; the corresponding second smart contract is queried from the blockchain network according to the smart contract identifier, and the received payment request is compared with the key information in the second smart contract; if the comparison result is matched, the second smart contract is requested to be called, and the payment amount is transferred from the driver's wallet to the merchant's collection account according to the second smart contract. The application realizes the timing and direction of the payment of funds, and improves the security of the circulation of funds.

Description

TECHNICAL FIELD

[0001] The present application relates to the blockchain technology, and in particular to a blockchain-based freight directional payment method and system. BACKGROUND

[0002] In the logistics industry, most logistics operators are small in scale, scattered in distribution, numerous in quantity, and weak in operation, which makes it difficult to meet the credit conditions of traditional financial institutions. Therefore, financing is difficult and expensive, which brings great trouble to the development of physical logistics companies. The settlement period between the consignor and the logistics company is getting longer and longer, and 60 days, 90 days or even half a year of account period has become an industry rule. In order to maintain the normal operation of the business, the logistics company must bear the pressure of downstream freight financing. In view of the above-mentioned scenario, the financial service platform jointly launches the freight loan product with the financial institutions, and solves the problem of account period between the delay payment of the upstream and the instant payment of the downstream according to the real business data. In addition, after the logistics company obtains the loan, according to the current loan policy and regulatory requirements, the logistics company needs to pay the freight to the driver in time. However, the existing technology uses the traditional payment method, which is difficult to ensure that the funds are used for special purposes and directional payment, and cannot guarantee the safety of payment. SUMMARY

[0003] The main purpose of the present application is to provide a blockchain-based freight directional payment method and system, which can change the traditional payment mode, improve the safety of the circulation of funds, reduce the possibility of fraud or abuse, and effectively control the risk.

[0004] The technical scheme adopted by the present application is:

[0005] A blockchain-based freight directional payment method is provided, comprising the following steps:

[0006] S1, the smart contract platform generates a first smart contract according to the loan contract information of the logistics company applying for the freight special loan and publishes it to the blockchain network;

[0007] S2, the financial service platform obtains the loan result information and queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, checks the key contents in the first smart contract, and if the check is passed, requests to call the first smart contract, and transfers the driver's freight from the logistics company's wallet to the corresponding driver's wallet in batches through the first smart contract;

[0008] S3, the financial service platform obtains the execution record of the first smart contract, and if the execution is successful, the smart contract platform generates a second smart contract according to the loan contract information and the key information in the first smart contract and publishes it to the blockchain network;

[0009] S4, the financial service platform acquires the payment request sent by the driver side, the payment request being a payment request sent by the driver side when using the driver wallet in the specified consumption scenario;

[0010] S5, the financial service platform queries the corresponding second smart contract from the blockchain network according to the smart contract identifier, and compares the received payment request with the key information in the second smart contract;

[0011] S6, if the comparison result matches, the second smart contract is requested to be called, and the payment amount is transferred from the driver wallet to the merchant account according to the second smart contract.

[0012] According to the above technical scheme, the first smart contract includes the information of the logistics company, the financial institution and the driver, and the loan rules and conditions, which stipulate that when the financial institution issues the specified loan amount for freight to the logistics company wallet, the payment clause is triggered, and the payment clause stipulates that the freight is paid from the logistics company wallet to the driver wallet.

[0013] According to the above technical scheme, the payment request sent by the driver side includes driver side information, payment amount and merchant information, the driver side information includes driver name and driver wallet, and the merchant information includes merchant name, merchant category code and merchant account.

[0014] According to the above technical scheme, the specified consumption scenario includes paying for refueling, gas or highway tolls.

[0015] According to the above technical scheme, in step S2, the process of verifying the first smart contract specifically includes:

[0016] The financial service platform requests to call the first smart contract, and the first smart contract assembles data messages according to the payment clause, generates a batch payment request and sends it to the financial institution, the payment request including the smart contract identifier, the logistics company wallet and the driver freight set;

[0017] The financial institution acquires the batch payment request, queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, verifies the key content in the first smart contract, and verifies the signed Hash value using the contract public key, if the verification result is correct, the driver freight is batch transferred from the logistics company wallet to the driver wallet.

[0018] According to the above technical scheme, in step S2, the corresponding smart contract identifier is queried through the loan number, when the financial institution issues the freight amount to the logistics company wallet, the financial institution notifies the financial service platform of the loan result information, and the financial service platform acquires the loan number from the loan result information.

[0019] According to the above technical scheme, step S5 specifically includes:

[0020] According to the smart contract identifier, the corresponding second smart contract is queried from the blockchain network;

[0021] According to the key information in the obtained second smart contract, the signed Hash value is verified by using the contract public key;

[0022] After verification, the driver information in the received payment request is compared with the driver freight set in the second smart contract;

[0023] If it is inconsistent, the corresponding prompt information is generated;

[0024] If it is consistent, the merchant information in the payment request is compared with the merchant category code set in the second smart contract, if it is inconsistent, the corresponding prompt information is generated, if it is consistent, the driver wallet balance is obtained, and the payment amount is compared with the driver wallet balance, when the payment amount is greater than the driver wallet balance, the corresponding prompt information is generated, and when the payment amount is less than or equal to the driver wallet balance, it is considered that the final comparison result is matched.

[0025] According to the above technical scheme, the first smart contract in step S1 specifically includes the following steps:

[0026] Based on the homomorphic encryption algorithm, all symmetric keys and unique smart contract identifiers of the first smart contract are configured, and the contract private key and the corresponding contract public key are generated, the signed Hash value is generated by using the contract private key, the business logic of the contract is verified, the accuracy of the contract is verified, and the contract file is compiled;

[0027] After the contract compilation is successful, the audit is submitted, and the first smart contract is approved according to the preset approval flow;

[0028] After the first smart contract is approved, the contract is deployed, and the first smart contract is published to the blockchain network through the access management.

[0029] The application also provides a freight directional payment system based on a blockchain, comprising a financial service platform and a smart contract platform, wherein:

[0030] The smart contract platform is used for generating a first smart contract according to the loan contract information of the logistics company applying for a freight special loan and publishing the first smart contract to the blockchain network; and when the first smart contract is executed successfully, a second smart contract is generated according to the loan contract information and the key information in the first smart contract and is published to the blockchain network;

[0031] The financial service platform is used for obtaining loan result information of a financial institution and querying a corresponding first smart contract from a blockchain network according to a smart contract identifier, checking key contents in the first smart contract, and if the checking passes, requesting to call the first smart contract, and transferring driver fares from a logistics company wallet to corresponding driver wallets in batches through the first smart contract.

[0032] The financial service platform is also used for obtaining a payment request sent by a driver side, the payment request being a payment request sent by the driver side when using the driver fares in the driver wallet in a specified consumption scenario, querying a corresponding second smart contract from the blockchain network according to a smart contract identifier, and comparing the received payment request with key information in the second smart contract; if the comparison result matches, requesting to call the second smart contract, and transferring a payment amount from the driver wallet to a merchant collection account according to the second smart contract.

[0033] The application further provides a computer storage medium, which has a computer program stored therein and executable by a processor, and the computer program executes the blockchain-based fare directional payment method described in the technical solution.

[0034] The application has the advantages that the blockchain-based fare directional payment method can realize time-based and directional payment of funds under the assistance of a smart contract, ensures that the funds are used strictly according to the agreed use of the smart contract, improves the security of fund circulation, and reduces the possibility of fraud or abuse, and can effectively control risks.

[0035] Of course, implementing any product of the application does not necessarily need to achieve all the advantages described above. BRIEF DESCRIPTION OF DRAWINGS

[0036] In order to more clearly illustrate the technical solutions in the embodiments of the application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or the prior art description. Obviously, the drawings in the following description are some embodiments of the application, and for those skilled in the art, other drawings can also be obtained without creative labor.

[0037] Figure 1 is a flowchart of the blockchain-based fare directional payment method of an embodiment of the application;

[0038] Figure 2 is a flowchart of the blockchain-based fare directional payment method of another embodiment of the application;

[0039] Figure 3 is a relationship diagram between subjects in the implementation of the blockchain-based fare directional payment of an embodiment of the application. DETAILED DESCRIPTION

[0040] In order to make the objects, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and not to limit the present application.

[0041] It should be noted that the diagrams provided in the embodiments of the present application only schematically illustrate the basic concepts of the present application, and therefore only the components related to the present application are shown in the diagrams, rather than being drawn according to the number, shape and size of the components in actual implementation. The actual implementation of each component can be arbitrarily changed in shape, number and proportion, and the layout pattern of the components can also be more complex.

[0042] In the present application, it should also be noted that, if terms such as "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer" and the like appear, the indicated orientation or positional relationship is based on the orientation or positional relationship shown in the drawings, and is only for the convenience of describing the present application and simplifying the description, and therefore cannot be understood as indicating or implying that the indicated device or element must have a particular orientation, be constructed and operated in a particular orientation, and therefore cannot be understood as limiting the present application. In addition, if the terms "first" and "second" appear, they are only for description and distinction purposes, and cannot be understood as indicating or implying relative importance.

[0043] Embodiment 1

[0044] As shown in Figure 1 The freight directional payment method based on the blockchain in the embodiments of the present application mainly includes the following steps:

[0045] S1, the smart contract platform generates a first smart contract according to the loan contract information of the logistics company applying for a freight special loan and publishes it to the blockchain network;

[0046] S2, the financial service platform obtains the loan result information and queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, checks the key contents in the first smart contract, and if the check is passed, requests to call the first smart contract, and transfers the driver's freight from the logistics company's wallet to the corresponding driver's wallet in batches through the first smart contract;

[0047] S3, the financial service platform obtains the execution record of the first smart contract, and if the execution is successful, the smart contract platform generates a second smart contract according to the loan contract information and the key information in the first smart contract and publishes it to the blockchain network;

[0048] S4, the financial service platform obtains the payment request sent by the driver side, which is the payment request sent by the driver side when using the freight in the driver's wallet in a specified consumption scenario;

[0049] S5, the financial service platform queries the corresponding second smart contract from the blockchain network according to the smart contract identifier, and compares the received payment request with the key information in the second smart contract;

[0050] S6, if the comparison result matches, the second smart contract is requested to be called, and the payment amount is transferred from the driver wallet to the merchant account according to the second smart contract.

[0051] The embodiment of the freight directional payment method based on the blockchain can realize the timing and direction of the fund under the support of the smart contract, ensure that the fund is strictly used according to the agreement of the smart contract, improve the security of the fund circulation, and reduce the possibility of fraud or abuse, while effectively controlling the risk.

[0052] Further, specifically, the first smart contract includes the information of the logistics company, the financial institution and the driver, and the loan rules and conditions, which agree that when the financial institution issues the specified loan amount for freight to the logistics company wallet, the payment clause is triggered, and the payment clause agrees that the freight is paid from the logistics company wallet to the driver wallet.

[0053] The payment request sent by the driver side includes driver side information, payment amount and merchant information, the driver side information includes driver name and driver wallet, and the merchant information includes merchant name, merchant category code and merchant account.

[0054] The specified consumption scenarios include paying for refueling, gas or highway tolls.

[0055] Further, the first smart contract generated in step S1 specifically includes the following steps:

[0056] Based on the homomorphic encryption algorithm, all symmetric keys and unique smart contract identifiers of the first smart contract are configured, and the contract private key and the corresponding contract public key are generated, the signed Hash value is generated by using the contract private key, the business logic of the contract is verified, the accuracy of the contract is verified, and the contract file is compiled;

[0057] After the contract compilation is successful, the audit is submitted, and the first smart contract is approved according to the pre-set approval flow;

[0058] After the first smart contract is approved, the contract is deployed, and the first smart contract is published to the blockchain network through the access management.

[0059] The process of verifying the first smart contract in step S2 specifically includes:

[0060] The financial service platform requests to call the first smart contract, the first smart contract assembles data messages according to payment terms, generates a batch payment request and sends it to the financial institution, the payment request includes the smart contract identifier, the logistics company wallet and the driver freight set;

[0061] The financial institution obtains the batch payment request, queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, verifies the key content in the first smart contract, and verifies the signed Hash value using the contract public key, if the verification result is correct, the driver freight is batch transferred from the logistics company wallet to the driver wallet.

[0062] Wherein, the corresponding smart contract identifier can be specifically queried by the loan number, when the financial institution issues the freight payment to the logistics company wallet, the financial institution notifies the financial service platform of the loan result information, and the financial service platform obtains the loan number from the loan result information.

[0063] Step S5 is specifically:

[0064] According to the smart contract identifier, the corresponding second smart contract is queried from the blockchain network;

[0065] According to the key information in the obtained second smart contract, the signed Hash value is verified using the contract public key;

[0066] After verification, the driver information in the received payment request is compared with the driver freight set in the second smart contract;

[0067] If they are not consistent, corresponding prompt information is generated; if they are consistent, the merchant information in the payment request is compared with the merchant category code set in the second smart contract, if they are not consistent, corresponding prompt information is generated; if they are consistent, the driver wallet balance is obtained, and the payment amount is compared with the driver wallet balance, when the payment amount is greater than the driver wallet balance, corresponding prompt information is generated; when the payment amount is less than or equal to the driver wallet balance, it is considered that the final comparison result is matched.

[0068] Embodiment 2

[0069] This embodiment is an application example of embodiment 1.

[0070] As Figure 3 shown, under the mediation of the financial service platform, the logistics company and the financial institution sign a logistics special loan contract, and realize the directional payment of freight to the driver through the smart contract, and it is agreed that the driver can only use the freight in the designated consumption scene.

[0071] Smart contracts are self-executing computer programs that automatically enforce the terms of an agreement between parties. Blockchain is a decentralized distributed ledger technology used to record and verify transactions. Built on blockchain technology, smart contracts allow multiple parties to securely and transparently access and update distributed ledgers, ensuring the immutability of their records and enhancing data and system security.

[0072] The financial services platform is primarily responsible for processing freight loan transactions and utilizing smart contracts. Smart contract generation is performed by the smart contract platform. The blockchain network provides participating institutions with data services such as trusted smart contract storage, transaction verification, and multi-party consensus. It utilizes decentralized file storage and deploys multiple nodes, each using a consensus algorithm to achieve transaction consensus. The smart contract platform primarily includes modules such as user management, contract management, contract logging, access management, contract operations, and a blockchain explorer. User management provides functions such as user registration, authentication, key management, and user role and permission management. Contract management includes a contract repository, contract development, contract review, and contract deployment. The contract repository stores smart contract templates and smart contracts. Contract development provides a web-based contract IDE for smart contract development, including creating or uploading contract templates, creating or editing contracts, performing static analysis, saving, compiling, and submitting for review. Contract review allows users to view a list of all contracts submitted for review and conduct contract audits. Contract deployment deploys approved contracts and allows users to view contract details. Contract logging allows conditional queries on contract content, status, and execution history. Access management connects with participating organizations and verifies data legitimacy. Contract operations include a contract loader and business condition triggers, providing users with services such as contract signing, contract execution or termination, contract condition registration, and contract termination. The contract loader monitors external smart contract call requests; business condition triggers provide various events triggered by external trusted data, such as timed events. The blockchain explorer provides data overviews, block information queries, and transaction information queries, allowing users to query information such as the number of nodes, transactions, blocks, number of deployed contracts, and transaction statistics.

[0073] Based on the above application background, Figure 2 As shown, the freight targeted payment method of this embodiment mainly includes the following steps:

[0074] S1. The smart contract platform generates the first smart contract based on the loan contract information of the logistics company's application for a special freight loan and publishes it to the blockchain network.

[0075] The logistics company applies for the freight special loan, needs to register and real-name authentication in the platform first, the platform submits the logistics company information to the smart contract platform after the real-name authentication is passed, and obtains and saves the unique user identification of the logistics company in the smart contract platform. The loan contract information of the logistics company applying for the freight special loan mainly includes user identification, loan number, loan date, loan amount, logistics company wallet, driver freight set, loan purpose and directional use scene, and the driver freight set includes driver name, driver wallet and driver freight.

[0076] A first smart contract is generated according to the loan contract information. The smart contract platform is responsible for the development, review and deployment of the smart contract. The financial service platform delivers the loan contract information to the smart contract platform through the access-in and access-out management. When developing the smart contract, a contract template needs to be created or imported first. The contract template is a pre-written template code customized for different use case types, which can simplify the development process of the smart contract and reduce the risk of errors or vulnerabilities. The contract template includes key content such as contract details, rules and conditions, payment terms, security measures, etc. The contract details include information about the parties involved in the transaction, the rules and conditions include the completion standards of specific activities and the conditions that must be met for the payment of funds, the payment terms include the amount and time range of the payment to be made, and the security measures ensure the security and tamper-proofing of the smart contract, including multi-factor authentication, encryption and other security protocols. By determining these key contents, the smart contract makes directional payment of funds in a safe, efficient and transparent manner, ensures that the special funds are used for their intended purpose, and reduces the possibility of fraud or abuse. Further, according to the business requirements, a specific contract template is selected from the contract warehouse, and the key information is matched and filled in the contract template. The contract details include the information of the logistics company, the financial institution and the driver, the rules and conditions stipulate that the payment terms are triggered when the financial institution issues the specified freight, i.e. the loan amount, to the logistics company wallet, and the payment terms stipulate that the freight is paid from the logistics company wallet to the driver wallet. Based on the homomorphic encryption algorithm, all symmetric keys and unique smart contract identifiers of the first smart contract are configured, the contract private key and the corresponding contract public key are generated, the signed Hash value is generated using the contract private key, the business logic of the contract is verified, the accuracy of the contract is checked, the contract file is compiled, and if the contract compilation fails, the information can be modified according to the prompt until the compilation is successful. After the contract compilation is successful, the contract is submitted for review, and the smart contract is approved according to the pre-set approval process. After the smart contract is approved, the contract is deployed, and the contract code must be consistent with the contract text during the contract deployment, and the first smart contract is published to the blockchain network through the access-in and access-out management. Specifically, a smart contract deployment transaction is initiated, and the first smart contract is broadcast to the blockchain network. The blockchain network includes N consensus nodes, N is an integer greater than or equal to 3, and the blockchain network is configured to store the first smart contract in the blockchain if the verification results of the N consensus nodes meet the deployment consensus conditions. The N consensus nodes can reach a consensus according to any one of the consensus mechanisms such as Proof of Work (POW), Proof of Stake (POS), Delegated Proof of Stake (DPOS), Practical Byzantine Fault Tolerance (PBFT) and Proof of Participation (Proof of Participation), and then be chained.

[0077] S2, the financial service platform acquires the loan result information and queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, checks the key content in the smart contract, and requests to call the first smart contract after the check is passed, and the freight is paid to the driver's wallet.

[0078] Step S2 is specifically: when the financial institution issues the freight fund to the logistics company wallet, the financial institution notifies the financial service platform of the loan result information, the financial service platform acquires the loan number in the loan result information, and queries the corresponding smart contract identifier according to the loan number. Further, the financial service platform queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, checks the key content in the smart contract, specifically, checks whether the logistics company wallet, the loan number, the loan date, and the loan amount match, and verifies the signed Hash value using the contract public key, and after the check is passed, the platform requests to call the first smart contract, the contract loader listens to the external smart contract call request in real time, pulls and verifies the first smart contract from the contract warehouse according to the smart contract identifier in the request, and then pulls the corresponding contract execution body and loads it. The smart contract platform generates a batch payment request according to the payment clause in the first smart contract, and sends the batch payment request to the financial institution, the payment request including the smart contract identifier, the logistics company wallet and the driver freight set. The financial institution acquires the batch payment request, queries the corresponding first smart contract from the blockchain network according to the smart contract identifier, checks the key content in the smart contract, and verifies the signed Hash value using the contract public key, and if the verification result is correct, the driver freight is batch transferred from the logistics company wallet to the driver wallet.

[0079] S3, the financial service platform acquires the execution record of the first smart contract, and if the execution is successful, generates a second smart contract according to the loan contract information and the key information in the first smart contract through the smart contract platform and publishes it to the blockchain network.

[0080] The step S3 is specifically: the financial service platform acquires the execution record of the first smart contract, if the first smart contract is executed successfully, that is, the freight is paid to the driver's wallet, the smart contract platform is called to generate a second smart contract according to the loan contract information and the key information in the first smart contract, and the second smart contract stipulates that the driver can only use the freight in the specified consumption scenario. The key information in the first smart contract includes the driver's freight set, the loan purpose and the directional use scenario. The merchant category code can identify the main business scope and industry belonging of the merchant, the merchant category code set is determined according to the loan purpose and the directional use scenario, and the freight can only be used in the specified consumption scenario according to the merchant category code set. Similarly, the smart contract generation includes steps such as contract development, contract audit and contract deployment. According to the business requirements, a specific contract template is selected from the contract warehouse, and the key information is matched and filled in the contract template. The contract details include the merchant category code, the information of the financial institution and the driver, the rules and conditions stipulate that the payment clause is triggered in the specified consumption scenario, and the payment clause stipulates that the freight is paid to the specified consumption scenario from the driver's wallet. Based on the homomorphic encryption algorithm, all symmetric keys and unique smart contract identifiers of the second smart contract are configured, the contract private key and the corresponding contract public key are generated, the signed Hash value is generated by using the contract private key, the contract file is compiled, the contract is submitted for audit after the contract compilation is successful, and the smart contract is approved according to the preset approval flow. The smart contract is deployed on the chain after the smart contract is audited, and the second smart contract is published to the blockchain network through the access and exit management.

[0081] S4, the financial service platform acquires the payment request sent by the driver side, including the driver side information, the payment amount and the merchant information. When the driver side uses the freight in the specified consumption scenario, such as paying for oil, gas or highway toll, the platform acquires the payment request sent by the driver side, the payment request includes the driver side information, the payment amount and the merchant information, the driver side information includes the driver name, the driver's wallet, the merchant information includes the merchant name, the merchant category code and the merchant payment account and the like.

[0082] S5, the financial service platform queries the corresponding second smart contract from the blockchain network according to the smart contract identifier, compares the received payment request with the key information in the second smart contract, and acquires the comparison result.

[0083] Step S5 is specifically: the financial service platform queries the corresponding second smart contract from the blockchain network according to the smart contract identifier, obtains the key information in the second smart contract, including the driver fare set and the merchant category code set, and verifies the signed Hash value by using the contract public key. After verification, the driver information in the received payment request is compared with the driver fare set in the second smart contract. If the driver name and driver wallet in the driver information are inconsistent with the driver fare set, corresponding prompt information is generated. If the driver name and driver wallet in the driver information are consistent with the driver fare set, the merchant information in the payment request is compared with the merchant category code set in the second smart contract. If the result does not match, corresponding prompt information is generated. If the result matches, the driver wallet balance is obtained, and the payment amount is compared with the driver wallet balance. When the payment amount is greater than the driver wallet balance, the result does not match and corresponding prompt information is generated. When the payment amount is less than or equal to the driver wallet balance, the result matches.

[0084] S6, the financial service platform requests to call the second smart contract according to the comparison result, and the second smart contract transfers the payment amount from the driver wallet to the merchant collection account.

[0085] Step S6 is specifically: the financial service platform obtains the comparison result of the payment request and the key information in the second smart contract. If the result matches, the financial service platform requests to call the second smart contract. The contract loader listens to the external smart contract calling request, pulls and verifies the second smart contract from the contract warehouse according to the smart contract identifier in the request, and then pulls the corresponding contract execution body and loads it. According to the payment terms of the second smart contract, a data packet is assembled, and the payment request is sent to the financial institution. The payment request includes the smart contract identifier, the payment amount, the driver wallet, and the merchant collection account. The financial institution obtains the payment request, queries the corresponding second smart contract from the blockchain network according to the smart contract identifier, verifies the key content in the smart contract, and verifies the signed Hash value by using the contract public key. After verification, the payment amount is transferred from the driver wallet to the merchant collection account.

[0086] It can be seen that the embodiment realizes precise control of the flow direction of the loan funds, ensures that the funds are strictly used according to the agreed purpose, improves the safety of the fund circulation, and reduces the possibility of fraud or abuse, while effectively controlling the risk.

[0087] Embodiment 3

[0088] The embodiment is a system for implementing the above method embodiment.

[0089] The embodiment is a blockchain-based freight directional payment system, comprising a financial service platform and a smart contract platform, wherein:

[0090] The smart contract platform is configured to generate a first smart contract according to loan contract information of the logistics company applying for a freight special loan and publish the first smart contract to a blockchain network; and generate a second smart contract according to the loan contract information and key information in the first smart contract and publish the second smart contract to the blockchain network when the first smart contract is successfully executed.

[0091] The financial service platform is configured to obtain loan result information of a financial institution and query a corresponding first smart contract from the blockchain network according to a smart contract identifier, check key contents in the first smart contract, and if the checking is passed, request to call the first smart contract to batch transfer driver freight from a logistics company wallet to a corresponding driver wallet through the first smart contract.

[0092] The financial service platform is further configured to obtain a payment request sent by the driver side, the payment request being a payment request sent by the driver side when using the freight in the driver wallet in a specified consumption scenario, query a corresponding second smart contract from the blockchain network according to a smart contract identifier, and compare the received payment request with key information in the second smart contract; if the comparison result matches, request to call the second smart contract to transfer a payment amount from the driver wallet to a merchant collection account according to the second smart contract.

[0093] The main functions of the financial service platform and the smart contract platform are to realize the steps of the method embodiment, which will not be described here.

[0094] The application also provides a computer readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (such as an SD or DX memory, etc.), a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., which stores a computer program, and the program is executed by a processor to realize corresponding functions. The computer readable storage medium of the embodiment is executed by the processor to realize the blockchain-based freight directional payment method of the method embodiment.

[0095] It should be noted that, according to the needs of implementation, each step / component described in the present application can be split into more steps / components, or two or more steps / components or part of the operation of the steps / components can be combined into a new step / component to achieve the purpose of the present application.

[0096] The size of the serial number of each step in the above embodiment does not mean the order of execution, and the execution order of each process should be determined according to its function and inherent logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0097] It should be understood that those of ordinary skill in the art can make improvements or changes according to the above description, and all these improvements and changes shall belong to the protection scope of the appended claims of the present application.

Claims

1. A blockchain-based freight directional payment method, characterized in that: The following steps are involved: S1. The smart contract platform generates the first smart contract based on the loan contract information of the logistics company's application for a special freight loan and publishes it to the blockchain network; S2. The financial service platform obtains the loan result information and queries the corresponding first smart contract on the blockchain network based on the smart contract identifier. It verifies the key content in the first smart contract. If the verification passes, it requests to call the first smart contract to transfer the driver freight fees from the logistics company wallet to the corresponding driver wallets in batches through the first smart contract. S3. The financial services platform obtains the execution record of the first smart contract. If the execution is successful, the smart contract platform generates a second smart contract based on the loan contract information and key information in the first smart contract and publishes it to the blockchain network. S4. The financial services platform obtains a payment request sent by the driver, where the payment request is sent by the driver when using the freight in the driver's wallet in a specified consumption scenario. S5. The financial services platform queries the corresponding second smart contract on the blockchain network based on the smart contract identifier and compares the received payment request with the key information in the second smart contract. S6. If the comparison result matches, a request is made to call the second smart contract, and the payment amount is transferred from the driver's wallet to the merchant's payment account according to the second smart contract.

2. The blockchain-based freight directional payment method according to claim 1, characterized in that: The first smart contract includes multi-party information of the logistics company, financial institution and driver, as well as loan rules and conditions. It stipulates that when the financial institution disburses the designated loan amount for freight to the logistics company wallet, the payment terms are triggered. The payment terms stipulate that the freight will be paid directly from the logistics company wallet to the driver wallet.

3. The blockchain-based freight directional payment method according to claim 1, characterized in that: The payment request sent by the driver includes the driver's information, payment amount and merchant information. The driver's information includes the driver's name and driver's wallet. The merchant information includes the merchant name, merchant category code and merchant payment account.

4. The blockchain-based freight directional payment method according to claim 1, characterized in that: Designated consumption scenarios include paying for refueling, gas fees, or highway tolls.

5. The blockchain-based freight directional payment method according to claim 1, characterized in that: In step S2, the process of verifying the first smart contract specifically includes: The financial services platform requests to call the first smart contract. The first smart contract assembles a data message based on the payment terms, generates a batch payment request, and sends it to the financial institution. The payment request includes the smart contract identifier, the logistics company wallet, and the driver's freight collection. The financial institution receives the batch payment request, queries the corresponding first smart contract on the blockchain network based on the smart contract identifier, verifies the key content in the first smart contract, and uses the contract public key to verify the signed hash value. If the verification result is correct, the driver's freight will be transferred from the logistics company wallet to the driver's wallet in batches.

6. The blockchain-based freight targeted payment method according to claim 1, characterized in that: In step S2, the corresponding smart contract identifier is specifically queried through the loan number. When the financial institution releases the freight payment to the logistics company wallet, the financial institution notifies the financial service platform of the loan result information, and the financial service platform obtains the loan number from the loan result information.

7. The blockchain-based freight targeted payment method according to claim 1, characterized in that: Step S5 is specifically as follows: Query the corresponding second smart contract from the blockchain network according to the smart contract identifier; Based on the key information obtained from the second smart contract, the signed hash value is verified using the contract public key; After verification, the driver information in the received payment request is compared with the driver freight set in the second smart contract; If they are inconsistent, a corresponding prompt message is generated; If they are consistent, the merchant information in the payment request will be compared with the merchant category code set in the second smart contract. If they are inconsistent, a corresponding prompt message will be generated; if they are consistent, the driver's wallet balance will be obtained, and the payment amount will be compared with the driver's wallet balance. When the payment amount is greater than the driver's wallet balance, a corresponding prompt message will be generated; when the payment amount is less than or equal to the driver's wallet balance, the final comparison result is considered to match.

8. The blockchain-based freight directional payment method according to claim 1, characterized in that: Generating the first smart contract in step S1 specifically includes the following steps: Based on the homomorphic encryption algorithm, all symmetric keys and a unique smart contract identifier of the first smart contract are configured, and a contract private key and a corresponding contract public key are generated. The contract private key is used to generate a signed hash value, and the business logic of the contract is verified to verify the accuracy of the contract, and the contract file is compiled; After the contract is compiled successfully, it is submitted for review and the first smart contract is approved according to the preset approval process; After the first smart contract is reviewed and approved, the contract is deployed and published to the blockchain network through access management.

9. A blockchain-based freight directional payment system, characterized in that: It includes a financial services platform and a smart contract platform, including: A smart contract platform is used to generate a first smart contract based on the loan contract information of the logistics company's application for a special freight loan and publish it to the blockchain network; and when the first smart contract is successfully executed, a second smart contract is generated based on the loan contract information and key information in the first smart contract and published to the blockchain network; The financial services platform is used to obtain loan information from financial institutions and query the corresponding first smart contract on the blockchain network based on the smart contract identifier. The platform verifies the key content of the first smart contract. If the verification passes, the platform requests the invocation of the first smart contract to transfer the driver's freight from the logistics company wallet to the corresponding driver wallet through the first smart contract. The financial service platform is also used to obtain payment requests sent by the driver, which are payment requests sent by the driver when using the freight in the driver's wallet in a specified consumption scenario; according to the smart contract identifier, the corresponding second smart contract is queried from the blockchain network, and the received payment request is compared with the key information in the second smart contract; if the comparison result matches, the second smart contract is requested to be called, and the payment amount is transferred from the driver's wallet to the merchant's payment account according to the second smart contract.

10. A computer storage medium, characterized in that A computer program executable by a processor is stored therein, and the computer program executes the blockchain-based targeted freight payment method described in any one of claims 1 to 8.

Images