CN111260349B - Real-time payment method and system based on block chain - Google Patents
Real-time payment method and system based on block chain Download PDFInfo
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Abstract
The invention provides a real-time payment method and system based on a blockchain. The method comprises the following steps: the client platform sends a payment request to the service platform through the blockchain; when the payment request is verified to be correct, the service platform carries out a first endorsement signature on the payment request, and sends the payment request to the payment platform through the blockchain; when the payment information in the payment request is consistent with the preset information, the payment platform carries out a second endorsement signature on the payment request, and sends the payment request to the client platform through the blockchain; the client platform generates a payment instruction according to the payment request and sends the payment instruction to the payment platform through the blockchain; the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain; and the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain. The invention can realize the decentralized payment and carry out safe, efficient and low-cost real-time payment settlement.
Description
Technical Field
The invention relates to the technical field of internet payment, in particular to a real-time payment method and system based on a blockchain.
Background
At present, a government platform serving as a digital government construction core usually realizes demands of public administrative payment and civil payment on a user line by means of banking channels, and the mode has the following problems: firstly, as multi-bank payment relates to transfer of money between banks, the banks mostly adopt T+1 clearing, the time delay is long, and the financial risk exists due to splitting of information flow and fund flow; in the payment, the links of acceptance of an acquirer, clearing of a cross-row organization and the like are passed, the middle charge superposition causes higher overall payment cost, the cost is transferred to the aim that a user violates the convenience service of a government platform, and the government bears financial pressure; secondly, centralized dependence is formed on the acquiring bank, which is not beneficial to risk dispersion; finally, financial large funds payments are difficult to be taken on-line to the platform due to lack of security measures. In conclusion, the prior art has the problems of prolonged operation, more links, high cost, low safety and the like.
Disclosure of Invention
The embodiment of the invention mainly aims to provide a real-time payment method and system based on a blockchain, so as to realize payment decentralization and perform safe, efficient and low-cost real-time payment settlement.
In order to achieve the above object, an embodiment of the present invention provides a real-time payment method based on blockchain, including:
the client platform sends a payment request to the service platform through the blockchain;
the service platform judges whether the payment request is correct or not; when the payment request is verified to be correct, carrying out first endorsement signature on the payment request, and sending the payment request subjected to the first endorsement signature to a payment platform through a blockchain;
the payment platform verifies whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain;
the client platform generates a payment instruction according to the payment request signed by the second endorsement, and sends the payment instruction to the payment platform through the blockchain;
the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain;
and the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain.
The embodiment of the invention also provides a real-time payment system based on the blockchain, which comprises the following steps:
the client platform is used for sending a payment request to the service platform through the block chain; generating a payment instruction according to the payment request signed by the second endorsement, and sending the payment instruction to a payment platform through a blockchain;
the service platform is used for judging whether the payment request is correct or not; when the payment request is verified to be correct, carrying out first endorsement signature on the payment request, and sending the payment request subjected to the first endorsement signature to a payment platform through a blockchain;
the payment platform is used for verifying whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain; carrying out transaction according to the payment instruction, generating transaction information, and sending the transaction information to a clearing platform through a blockchain;
and the clearing platform is used for clearing according to the transaction information and sending the clearing result to the payment platform in real time through the blockchain.
According to the real-time payment method and the system based on the blockchain, a client platform sends a payment request to a service platform through the blockchain; when the payment request is verified to be correct, the service platform carries out a first endorsement signature on the payment request, and sends the payment request to the payment platform through the blockchain; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request and sends the payment request to the client platform through the blockchain; the client platform generates a payment instruction according to the payment request and sends the payment instruction to the payment platform through the blockchain; the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain; the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain so as to realize payment decentralization and carry out safe, efficient and low-cost real-time payment settlement.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a blockchain-based real-time payment method in an embodiment of the invention.
FIG. 2 is a block diagram of a real-time payment system based on blockchain in an embodiment of the invention.
FIG. 3 is a schematic diagram of interactions of various platforms in a blockchain-based real-time payment system in accordance with an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Those skilled in the art will appreciate that embodiments of the invention may be implemented as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the following forms, namely: complete hardware, complete software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In view of the problems of prolonged time, multiple links, high cost, low safety and the like in the prior art, the embodiment of the invention provides a real-time payment method based on a blockchain so as to realize the decentralized payment and perform safe, efficient and low-cost real-time payment settlement. The present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is a flow chart of a blockchain-based real-time payment method in an embodiment of the invention. As shown in fig. 1, the blockchain-based real-time payment method includes:
s101: the client platform sends a payment request to the service platform through the blockchain.
The blockchain mainly provides member services, endorsements, accounting services and the like, and comprises a sequencing node, an endorsement node, an accounting node and a distributed sample. The participation main bodies such as the service platform, the payment platform, the client platform and the like are used as alliance chain nodes to access block chains to form a distributed system on the premise of authorization; the blockchain realizes the storage of each transaction data in terms of data by a data block, a chain structure, a hash algorithm, a merck tree and a time stamp mechanism, and ensures the safety of data transaction information by an asymmetric encryption technology; blockchains employ a network of peer-to-peer equations in terms of the network to organize nodes for data propagation and to verify the validity of the data with the recipient nodes.
S102: the service platform judges whether the payment request is correct or not; when the payment request is verified to be correct, the payment request is signed in a first endorsement, and the payment request signed in the first endorsement is sent to the payment platform through the blockchain.
S103: the payment platform verifies whether the payment information in the payment request signed by the first endorsement is consistent with preset information; and when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain.
S104: and the client platform generates a payment instruction according to the payment request signed by the second endorsement, and sends the payment instruction to the payment platform through the blockchain.
S105: and the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain.
S106: and the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain.
After executing S106, further comprising: the payment platform performs account checking processing according to the transaction information and the clearing result, and sends the account checking result to the client platform and the service platform through the blockchain;
and the business platform performs account checking processing according to the preset transaction details and account checking results.
The monitoring information collection method shown in fig. 1 may be implemented by a real-time payment system based on a blockchain. As can be seen from the flow shown in fig. 1, the client platform in the blockchain-based real-time payment method according to the embodiment of the present invention sends a payment request to the service platform through the blockchain; when the payment request is verified to be correct, the service platform carries out a first endorsement signature on the payment request, and sends the payment request to the payment platform through the blockchain; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request and sends the payment request to the client platform through the blockchain; the client platform generates a payment instruction according to the payment request and sends the payment instruction to the payment platform through the blockchain; the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain; the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain so as to realize payment decentralization and carry out safe, efficient and low-cost real-time payment settlement.
In one embodiment, the method further comprises: the service platform sends the online parameters to the client platform; the client platform generates an intelligent contract according to the online parameters; the generation of the payment instruction in S104 at this time includes: the client platform generates a payment instruction according to the payment request signed by the second endorsement and the intelligent contract.
In the implementation, the client platform generates a project page for clients to view according to the intelligent contract, the clients fill in the project page, and the client platform generates a payment request according to the content filled in by the clients.
The client platform can perform business operations such as personal binding, online payment, financial transfer, transaction refund and the like through a plurality of channels such as government affairs APP, a PC end, a self-service terminal, an API gateway and the like. Before executing S101, further comprising: the client platform receives the binding card application from the client, sends the binding card application to the payment platform for verification through the blockchain, and sends a verification result to the client platform through the blockchain after the payment platform verifies the binding card application.
The invention realizes intelligent contract maintenance and execution on the intelligent contract layer, and for the intelligent contracts approved by the platform, the intelligent contract layer receives in-link and whole-network broadcasting, and periodically checks whether conditions of the intelligent contracts are triggered. Once the contract trigger condition is met, the intelligent contract is automatically executed, the successfully executed intelligent contract is moved out, and the intelligent contract which is not executed continues to wait for the next round of processing.
In one embodiment, the method further comprises: the client platform receives the payment request from the external system and signs the payment request with a third endorsement.
At this time S101 includes: the client platform sends a payment request signed by a third endorsement to the service platform through the blockchain;
the service platform in S102 determines whether the payment request is correct or not including: the service platform judges whether the payment request corresponds to the online parameter; verifying whether the third endorsement signature is correct; when the payment request corresponds to the online parameter and the third endorsement signature is correct, the payment request verifies correct.
In one embodiment, the second endorsement of the payment request by the payment platform in S103 includes:
the payment platform verifies whether the third endorsement signature is correct; when the third endorsement signature is correct, the payment platform signs the second endorsement of the payment request.
The specific flow of the invention is as follows:
1. the client platform receives the binding card application from the client and sends the binding card application to the payment platform for verification through the blockchain.
2. And after the payment platform verifies the binding card application, the verification result is sent to the client platform through the blockchain.
3. And the service platform sends the online parameters to the client platform.
4. And the client platform generates an intelligent contract according to the online parameters and generates a project page for clients to view according to the intelligent contract.
5. The client fills in the project page, and the external system generates a payment request according to the content filled in by the client.
6. The client platform receives the payment request from the external system and signs the payment request with a third endorsement.
7. The client platform sends the payment request signed by the third endorsement to the service platform through the blockchain.
8. The service platform judges whether the payment request corresponds to the online parameter and verifies whether the third endorsement signature is correct; when the payment request corresponds to the online parameter and the third endorsement signature is correct, the service platform performs a first endorsement signature on the payment request, and sends the payment request subjected to the first endorsement signature to the payment platform through the blockchain.
9. The payment platform verifies whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with the preset information, the payment platform verifies whether the third endorsement signature is correct; and when the third endorsement signature is correct, the payment platform carries out a second endorsement signature on the payment request, and sends the payment request which is signed by the second endorsement to the client platform through the blockchain.
10. And the client platform generates a payment instruction according to the payment request signed by the second endorsement and the intelligent contract, and sends the payment instruction to the payment platform through the blockchain.
11. And the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain.
12. And the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain.
13. And the payment platform performs account checking processing according to the transaction information and the clearing result, and sends the account checking result to the client platform and the service platform through the blockchain.
14. And the business platform performs account checking processing according to the preset transaction details and account checking results.
In summary, the client platform in the real-time payment method based on the blockchain in the embodiment of the invention sends a payment request to the service platform through the blockchain; when the payment request is verified to be correct, the service platform carries out a first endorsement signature on the payment request, and sends the payment request to the payment platform through the blockchain; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request and sends the payment request to the client platform through the blockchain; the client platform generates a payment instruction according to the payment request and sends the payment instruction to the payment platform through the blockchain; the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain; the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain so as to realize payment decentralization and carry out safe, efficient and low-cost real-time payment settlement.
The real-time payment method based on the blockchain provided by the embodiment of the invention has the following beneficial effects:
1. and removing the dependency in the payment clearing set, and cooperatively completing real-time payment clearing by the alliance chain participants.
2. And clearing links and delay are reduced, and the fund operation efficiency is improved.
3. And the cost of cross-line payment is reduced, and the burden of customers is lightened.
4. And the online safe transfer of large funds is realized by relying on the safe encryption characteristic of the block chain.
Based on the same inventive concept, the embodiment of the invention also provides a real-time payment system based on the blockchain, and because the principle of solving the problem of the system is similar to that of the real-time payment method based on the blockchain, the implementation of the system can refer to the implementation of the method, and the repetition is omitted.
FIG. 2 is a block diagram of a real-time payment system based on blockchain in an embodiment of the invention. FIG. 3 is a schematic diagram of interactions of various platforms in a blockchain-based real-time payment system in accordance with an embodiment of the present invention. As shown in fig. 2-3, the blockchain-based real-time payment system includes:
the client platform is used for sending a payment request to the service platform through the block chain; generating a payment instruction according to the payment request signed by the second endorsement, and sending the payment instruction to a payment platform through a blockchain;
the service platform is used for judging whether the payment request is correct or not; when the payment request is verified to be correct, carrying out first endorsement signature on the payment request, and sending the payment request subjected to the first endorsement signature to a payment platform through a blockchain;
the payment platform is used for verifying whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain; carrying out transaction according to the payment instruction, generating transaction information, and sending the transaction information to a clearing platform through a blockchain;
and the clearing platform is used for clearing according to the transaction information and sending the clearing result to the payment platform in real time through the blockchain.
In one embodiment, the service platform is further configured to: sending online parameters to a client platform;
the client platform is also for: generating an intelligent contract according to the online parameters;
the client platform is specifically used for: and generating a payment instruction according to the payment request signed by the second endorsement and the intelligent contract.
In one embodiment, the client platform is further configured to: receiving a payment request from an external system, and carrying out a third endorsement signature on the payment request;
the client platform is specifically used for: the client platform sends a payment request signed by a third endorsement to the service platform through the blockchain;
the service platform is specifically used for: judging whether the payment request corresponds to the online parameter; verifying whether the third endorsement signature is correct; when the payment request corresponds to the online parameter and the third endorsement signature is correct, the payment request verifies correct.
In one embodiment, the paymate is specifically configured to:
verifying whether the third endorsement signature is correct;
when the third endorsement signature is correct, a second endorsement signature is performed on the payment request.
In one embodiment, the paymate is further configured to: checking account processing is carried out according to the transaction information and the clearing result, and the checking account result is sent to a client platform and a service platform through a blockchain;
the service platform is also used for: and checking according to the preset transaction details and checking results.
In summary, the client platform in the real-time payment system based on the blockchain in the embodiment of the invention sends a payment request to the service platform through the blockchain; when the payment request is verified to be correct, the service platform carries out a first endorsement signature on the payment request, and sends the payment request to the payment platform through the blockchain; when the payment information is consistent with the preset information, the payment platform carries out second endorsement signature on the payment request and sends the payment request to the client platform through the blockchain; the client platform generates a payment instruction according to the payment request and sends the payment instruction to the payment platform through the blockchain; the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to the clearing platform through the blockchain; the clearing platform carries out clearing according to the transaction information and sends the clearing result to the payment platform in real time through the blockchain so as to realize payment decentralization and carry out safe, efficient and low-cost real-time payment settlement.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Those of skill in the art will further appreciate that the various illustrative logical blocks (illustrative logical block), units, and steps described in connection with the embodiments of the invention may be implemented by electronic hardware, computer software, or combinations of both. To clearly illustrate this interchangeability of hardware and software, various illustrative components (elements), units, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Those skilled in the art may implement the described functionality in varying ways for each particular application, but such implementation is not to be understood as beyond the scope of the embodiments of the present invention.
The various illustrative logical blocks, or units, or devices described in the embodiments of the invention may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described. A general purpose processor may be a microprocessor, but in the alternative, the general purpose processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. In an example, a storage medium may be coupled to the processor such that the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may reside in a user terminal. In the alternative, the processor and the storage medium may reside as distinct components in a user terminal.
In one or more exemplary designs, the above-described functions of embodiments of the present invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on a computer-readable medium or transmitted as one or more instructions or code on the computer-readable medium. Computer readable media includes both computer storage media and communication media that facilitate transfer of computer programs from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media may include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that may be used to carry or store program code in the form of instructions or data structures and other data structures that may be read by a general or special purpose computer, or a general or special purpose processor. Further, any connection is properly termed a computer-readable medium, e.g., if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, digital Subscriber Line (DSL), or wireless such as infrared, radio, and microwave, and is also included in the definition of computer-readable medium. The disks (disks) and disks (disks) include compact disks, laser disks, optical disks, DVDs, floppy disks, and blu-ray discs where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included within the computer-readable media.
Claims (10)
1. A blockchain-based real-time payment method, comprising:
the client platform sends a payment request to the service platform through the blockchain;
the service platform judges whether the payment request is correct or not; when the payment request is verified to be correct, carrying out first endorsement signature on the payment request, and sending the payment request subjected to the first endorsement signature to a payment platform through the blockchain;
the payment platform verifies whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain;
the client platform generates a payment instruction according to the payment request signed by the second endorsement, and sends the payment instruction to the payment platform through the blockchain;
the payment platform carries out transaction according to the payment instruction and generates transaction information, and the transaction information is sent to a clearing platform through the blockchain;
and the clearing platform carries out clearing according to the transaction information and sends a clearing result to the payment platform in real time through the blockchain.
2. The blockchain-based real-time payment method of claim 1, further comprising:
the service platform sends online parameters to the client platform;
the client platform generates an intelligent contract according to the online parameters;
generating the payment instruction includes:
and the client platform generates a payment instruction according to the payment request signed by the second endorsement and the intelligent contract.
3. The blockchain-based real-time payment method of claim 2, further comprising:
the client platform receives a payment request from an external system and carries out a third endorsement signature on the payment request;
the client platform sending the payment request to the service platform through the blockchain comprises:
the client platform sends a payment request signed by a third endorsement to the service platform through the blockchain;
the service platform judging whether the payment request is correct or not includes:
the service platform judges whether the payment request corresponds to the online parameter; verifying whether the third endorsement signature is correct;
when the payment request corresponds to the online parameter and the third endorsement signature is correct, the payment request verifies correct.
4. The blockchain-based real-time payment method of claim 3, wherein the payment platform second endorsing the payment request comprises:
the payment platform verifies whether the third endorsement signature is correct;
and when the third endorsement signature is correct, the payment platform performs a second endorsement signature on the payment request.
5. The blockchain-based real-time payment method of claim 1, further comprising:
the payment platform performs account checking processing according to the transaction information and the clearing result, and sends the account checking result to the client platform and the service platform through the blockchain;
and the service platform performs reconciliation processing according to the preset transaction details and the reconciliation result.
6. A blockchain-based real-time payment system, comprising:
the client platform is used for sending a payment request to the service platform through the block chain; generating a payment instruction according to the payment request signed by the second endorsement, and sending the payment instruction to a payment platform through the blockchain;
the service platform is used for judging whether the payment request is correct or not; when the payment request is verified to be correct, carrying out first endorsement signature on the payment request, and sending the payment request subjected to the first endorsement signature to a payment platform through the blockchain;
the payment platform is used for verifying whether the payment information in the payment request signed by the first endorsement is consistent with preset information; when the payment information is consistent with preset information, the payment platform carries out second endorsement signature on the payment request, and sends the payment request signed by the second endorsement to the client platform through the blockchain; carrying out transaction according to the payment instruction and generating transaction information, and sending the transaction information to a clearing platform through the blockchain;
and the clearing platform is used for clearing according to the transaction information and sending the clearing result to the payment platform in real time through the blockchain.
7. The blockchain-based real-time payment system of claim 6, wherein,
the service platform is further configured to: sending online parameters to the client platform;
the client platform is further configured to: generating an intelligent contract according to the online parameters;
the client platform is specifically configured to: and generating a payment instruction according to the payment request signed by the second endorsement and the intelligent contract.
8. The blockchain-based real-time payment system of claim 7, wherein,
the client platform is further configured to: receiving a payment request from an external system, and carrying out a third endorsement signature on the payment request;
the client platform is specifically configured to: the client platform sends a payment request signed by a third endorsement to the service platform through the blockchain;
the service platform is specifically used for: judging whether the payment request corresponds to the online parameter; verifying whether the third endorsement signature is correct; when the payment request corresponds to the online parameter and the third endorsement signature is correct, the payment request verifies correct.
9. The blockchain-based real-time payment system of claim 8, wherein the paymate is specifically configured to:
verifying whether the third endorsement signature is correct;
and when the third endorsement signature is correct, performing a second endorsement signature on the payment request.
10. The blockchain-based real-time payment system of claim 6, wherein,
the paymate is further configured to: checking account processing is carried out according to the transaction information and the clearing result, and the checking account result is sent to the client platform and the service platform through the blockchain;
the service platform is further configured to: and checking according to the preset transaction details and the checking result.
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