BLOCKCHAIN-BASED PAYMENT
The present disclosure relates to blockchain-based payments. In some aspects, a financial institution node of a blockchain network obtains target purchase data. The target purchase data includes attribute data of a target object to be purchased by a buyer using a buyer client device communicatively connected to a commerce platform node of the blockchain and identity information data of the buyer. The attribute data of the target object includes a name and price information of the target object. The identity information data is registered with a commerce platform. The financial institution node performs, based on the target purchase data, a credit check to determine whether the buyer qualifies for a loan. In response to determining that the buyer qualifies for the loan, the financial institution node transfers a loan to an account of the commerce platform.
1 . A computer-implemented blockchain-based payment method comprising:
obtaining, by a financial institution node of a blockchain network, target purchase data, wherein the target purchase data comprises (i) attribute data of a target object to be purchased by a buyer using a buyer client device communicatively connected to a commerce platform node of the blockchain and (ii) identity information data of the buyer, wherein the attribute data of the target object comprises a name and price information of the target object, and wherein the identity information data of the buyer is registered with a commerce platform;
performing, by the financial institution node, based on the target purchase data, a credit check to determine whether the buyer qualifies for a loan; and
in response to determining that the buyer qualifies for the loan, transferring, by the financial institution node, the loan to an account of the commerce platform.
2 . The computer-implemented method of claim 1 , wherein obtaining the target purchase data comprises obtaining, by the financial institution node, the target purchase data from the commerce platform node through an off-chain channel.
3 . The computer-implemented method of claim 2 , further comprising:
generating, by the financial institution node, a payment transaction, wherein the payment transaction comprises (i) the identity information data of the buyer and an amount of the loan, or (ii) the identity information data of the buyer and a hash digest of the amount of the loan; and
sending the payment transaction to the blockchain.
4 . The computer-implemented method of claim 1 , wherein obtaining the target purchase data comprises obtaining, by the financial institution node, the target purchase data from a distributed database of the blockchain after the target purchase data is sent by the commerce platform node to the distributed database of the blockchain.
5 . The computer-implemented method of claim 1 , wherein:
performing a credit check to determine whether the buyer qualifies for a loan comprises:
invoking a smart contract deployed on the blockchain; and
executing credit check logic and loan issuing logic declared in the smart contract, to, based on the target purchase data, perform the credit check; and
transferring the loan to an account of the commerce platform comprises transferring the loan or a digital token equivalent to the loan to the account of the commerce platform.
6 . The computer-implemented method of claim 1 , further comprising:
determining, by the financial institution node, whether the buyer has opened an account with the financial institution based on the target purchase data; and
in response to determining that the buyer has not opened an account with the financial institution, initiating an account opening request to the buyer.
7 . The computer-implemented method of claim 1 , wherein:
the blockchain is a consortium chain; and
the commerce platform node and the financial institution node are member node devices of the consortium chain; and
the buyer client is a user client communicatively connected with a consortium member node device in the consortium chain, wherein the buyer client requests, from the consortium member node device, data of the blockchain.
8 . A computer-implemented system, comprising:
one or more computers; and
one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform operations comprising:
obtaining, by a financial institution node of a blockchain network, target purchase data, wherein the target purchase data comprises (i) attribute data of a target object to be purchased by a buyer using a buyer client device communicatively connected to a commerce platform node of the blockchain and (ii) identity information data of the buyer, wherein the attribute data of the target object comprises a name and price information of the target object, and wherein the identity information data of the buyer is registered with a commerce platform;
performing, by the financial institution node, based on the target purchase data, a credit check to determine whether the buyer qualifies for a loan; and
in response to determining that the buyer qualifies for the loan, transferring, by the financial institution node, the loan to an account of the commerce platform.
9 . The computer-implemented system of claim 8 , wherein obtaining the target purchase data comprises obtaining, by the financial institution node, the target purchase data from the commerce platform node through an off-chain channel.
10 . The computer-implemented system of claim 9 , wherein the operations comprise:
generating, by the financial institution node, a payment transaction, wherein the payment transaction comprises (i) the identity information data of the buyer and an amount of the loan, or (ii) the identity information data of the buyer and a hash digest of the amount of the loan; and
sending the payment transaction to the blockchain.
11 . The computer-implemented system of claim 8 , wherein obtaining the target purchase data comprises obtaining, by the financial institution node, the target purchase data from a distributed database of the blockchain after the target purchase data is sent by the commerce platform node to the distributed database of the blockchain.
12 . The computer-implemented system of claim 8 , wherein:
performing a credit check to determine whether the buyer qualifies for a loan comprises:
invoking a smart contract deployed on the blockchain; and
executing credit check logic and loan issuing logic declared in the smart contract, to, based on the target purchase data, perform the credit check; and
transferring the loan to an account of the commerce platform comprises transferring the loan or a digital token equivalent to the loan to the account of the commerce platform.
13 . The computer-implemented system of claim 8 , wherein the operations comprise:
determining, by the financial institution node, whether the buyer has opened an account with the financial institution based on the target purchase data; and
in response to determining that the buyer has not opened an account with the financial institution, initiating an account opening request to the buyer.
14 . The computer-implemented system of claim 8 , wherein:
the blockchain is a consortium chain; and
the commerce platform node and the financial institution node are member node devices of the consortium chain; and
the buyer client is a user client communicatively connected with a consortium member node device in the consortium chain, wherein the buyer client requests, from the consortium member node device, data of the blockchain.
15 . A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:
obtaining, by a financial institution node of a blockchain network, target purchase data, wherein the target purchase data comprises (i) attribute data of a target object to be purchased by a buyer using a buyer client device communicatively connected to a commerce platform node of the blockchain and (ii) identity information data of the buyer, wherein the attribute data of the target object comprises a name and price information of the target object, and wherein the identity information data of the buyer is registered with a commerce platform;
performing, by the financial institution node, based on the target purchase data, a credit check to determine whether the buyer qualifies for a loan; and
in response to determining that the buyer qualifies for the loan, transferring, by the financial institution node, a loan to an account of the commerce platform.
16 . A computer-implemented blockchain-based payment method comprising:
sending, by a commerce platform node of a blockchain network comprising a blockchain, target purchase data, wherein the target purchase data comprises (i) attribute data of a target object to be purchased by a buyer using a buyer client device communicably connected to a commerce platform having a commerce platform node of the blockchain network and (ii) the identity information data of the buyer, and wherein the attribute data of the target object comprises a name and price information of the target object, and wherein the identity information data of the buyer client device is registered with the commerce platform;
obtaining, by a financial institution node of the blockchain network, the target purchase data;
performing, by the financial institution node, based on the target purchase data, a credit check to determine whether the buyer qualifies for a loan; and
in response to determining that the buyer qualifies for the loan, transferring, by the financial institution node, the loan to an account of the commerce platform.
17 . The computer-implemented method of claim 16 , wherein sending the target purchase data comprises sending, by the commerce platform node, the target purchase data to the financial institution node through an off-chain channel.
18 . The computer-implemented method of claim 16 , wherein:
sending the target purchase data comprises sending, by the commerce platform node, the target purchase data to the blockchain; and
obtaining the target purchase data comprises obtaining, by the financial institution node, the target purchase data from a distributed database of the blockchain.
19 . The computer-implemented method of claim 18 , wherein:
performing a credit check to determine whether the buyer qualifies for a loan comprises:
invoking a smart contract deployed on the blockchain; and
executing credit check logic and loan issuing logic declared in the smart contract, to, based on the target purchase data, perform the credit check, and
transferring the loan to an account of the commerce platform comprises transferring the loan or a digital token equivalent to the loan to the account of the commerce platform.
20 . The computer-implemented method of claim 16 , further comprising:
generating, by the commerce platform node, a purchase transaction based on the target purchase data; and
sending, by the commerce platform node, the purchase transaction to the blockchain.
21 . The computer-implemented method according to claim 20 , further comprising:
generating, by the financial institution node, a payment transaction comprising (i) the identity information data of the buyer and an amount of the loan, or (ii) the identity information data of the buyer and a hash digest of the amount of the loan; and
sending the payment transaction to the blockchain.
22 . The computer-implemented method of claim 16 , further comprising:
determining, by the financial institution node, whether the buyer has opened an account with the financial institution based on the target purchase data; and
in response to determining that the buyer has not opened an account with the financial institution, initiating an account opening request to the buyer.