CN-116188017-B - Cross-platform fusion transaction method based on blockchain

CN116188017BCN 116188017 BCN116188017 BCN 116188017BCN-116188017-B

Abstract

The cross-platform fusion transaction method based on the blockchain comprises the steps of carrying out identity authentication on a user, synchronizing user identity identification information and payment order information to a settlement blockchain network, enabling a medical payment transaction module to acquire the user identity identification information and the payment order information, synchronizing a paid medical account amount part to the settlement blockchain network and initiating a cross-platform transaction request if the medical account amount is lower than the to-be-paid amount, and enabling a bank transaction module to calculate to-be-paid amount of a bank financial account of the user according to the medical account amount and the paid amount of the user and synchronously updating the bank payment amount part to the settlement blockchain network. The invention realizes the convenient service of one-time payment of the medical service of the user and ensures the safety of the whole fusion transaction.

Inventors

DU JIANYONG
WEN ZHIZHONG
YANG TAO
QU ZENING
WANG LIANG

Assignees

百洋智能科技集团股份有限公司

Dates

Publication Date: 20260512
Application Date: 20230131

Claims (10)

1. A cross-platform fusion transaction method based on a blockchain is characterized by comprising the following steps: s1, when a user submits a medical payment order, a medical identity authentication module authenticates the user identity information, and synchronizes the user identity identification information and the payment order information to a settlement blockchain network; S2, the medical payment transaction module acquires the user identification information and payment order information from the settlement blockchain network, compares the medical account amount of the user with the amount to be paid of the payment order information, and synchronously updates the paid medical account amount data to the settlement blockchain network and initiates a cross-platform transaction request if the medical account amount of the user is lower than the amount to be paid; S3, the bank transaction module re-acquires the user identification information and updated payment order information from the settlement blockchain network, calculates the amount to be paid of the bank financial account of the user according to the medical account amount of the user and the paid amount, synchronously updates the bank payment amount data to the settlement blockchain network, and finally returns a payment result to the user; The settlement blockchain network is provided with a first branched chain and a second branched chain, wherein the first branched chain consists of a plurality of debit blocks, each debit block comprises a specific balance data set, and the debit block comprises a current balance and a medical account ID; The method further includes generating debit metadata including a medical account ID, a credit block ID, and a debit amount in response to receiving a debit request, broadcasting the debit metadata to a third branch related to the medical account ID, sending a notification message to a banking system associated with the credit block ID in the selected credit data set after a preset period, the notification message including the debit amount, updating a debit block based on a current amount and the debit amount, the updated debit block including the medical account ID and the updated amount, broadcasting the updated debit block to the first branch, wherein broadcasting the updated debit block includes generating a new debit block including a block header and an updated debit block, and sending the generated new debit block to a plurality of blockchain nodes associated with the first branch, sending a plurality of erase instructions to a plurality of third branches associated with the second branch and the third branch after the preset period, and deleting the plurality of branches in the third branch block.
2. The blockchain-based cross-platform converged transaction method of claim 1, wherein the medical identity authentication module authenticates the user identity information when the user submits a medical payment order, further comprising: and verifying and authenticating the medical identification card, the medical electronic certificate or the face recognition result of the user through the medical identity authentication module.
3. The blockchain-based cross-platform converged transaction method of claim 1, wherein the synchronously updating the paid medical account line data to the settlement blockchain network further comprises: And deducting the medical account amount of the user, and synchronously updating the paid medical account amount and the updated medical account amount in the order information to a settlement blockchain network.
4. The blockchain-based cross-platform converged transaction method of claim 1, wherein the comparing the medical account amount of the user to the size of the amount to be paid of the payment order information further comprises: and if the personal medical account amount is not lower than the to-be-paid amount, directly deducting the to-be-paid amount from the personal medical account.
5. The blockchain-based cross-platform converged transaction method of claim 1, wherein the synchronously updating bank payment amount data to a settlement blockchain network further comprises: judging whether the bank financial account amount of the user is sufficient, and if the bank financial account amount is greater than or equal to the remaining amount to be paid, deducting the remaining amount to be paid from the bank financial account amount and returning success information.
6. The blockchain-based cross-platform fusion transaction method of claim 5, further comprising: If the bank financial account amount is less than the remaining amount to be paid, failure information is returned.
7. The blockchain-based cross-platform converged transaction method of claim 1, wherein the returning of payment results to the user further comprises: and the medical identity authentication module reads in-process data accessed by the whole process from the settlement blockchain network and rechecks the user identity identification information, payment order information, personal medical account amount and bank amount information.
8. The blockchain-based cross-platform fusion transaction method of claim 1, wherein the settlement blockchain network matches the user's identification information, the medical identification card settlement terminal information with a plurality of medical account IDs corresponding to the user's identification information's medical account, and quota information corresponding to the plurality of medical account IDs, respectively, and stores the matching results on a distributed ledger of the settlement blockchain network.
9. A mobile terminal comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the method according to any one of claims 1 to 8 when the computer program is executed.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the steps of the method according to any one of claims 1 to 8.

Description

Cross-platform fusion transaction method based on blockchain Technical Field The invention relates to the field of blockchains, in particular to a cross-platform fusion transaction method based on blockchains. Background In the development of internet medical treatment, medical insurance payment gradually becomes a bottleneck to be broken through. In the course of daily payments, fractional payments are often encountered. That is, when a single account is not paid sufficiently, a portion of the fee needs to be paid before other accounts are selected to pay the remaining fee. For example, in the case of medical insurance settlement during daily medical visits and purchases, if the individual's current medical account is not sufficiently paid, a medical identification card and other payment channels may be used to make a fractional payment, such as selecting WeChat, payment treasury, bank card or cash to pay the remaining fees. Such fractional payments present the inconvenience of paying for the service. Disclosure of Invention In order to solve the problems in the prior art, the invention provides a cross-platform fusion transaction method based on a blockchain, which uses a blockchain technology to carry out safe transmission and sharing of payment data and associates a personal medical identification card with a personal financial account in advance. In the payment process, the medical identification card or the medical electronic certificate is utilized to realize the mode of fusing the personal medical account and the financial account. And under the conditions that the personal medical account pays and the amount is insufficient, the personal financial account can be consumed simultaneously to pay, so that one-time payment settlement is completed, and a convenient cross-platform mixed payment mode is provided. The cross-platform fusion transaction method based on the blockchain comprises the following steps: s1, when a user submits a medical payment order, a medical identity authentication module authenticates the user identity information, and synchronizes the user identity identification information and the payment order information to a settlement blockchain network; S2, the medical payment transaction module acquires the user identification information and payment order information from the settlement blockchain network, compares the medical account amount of the user with the amount to be paid of the payment order information, and synchronously updates the paid medical account amount data to the settlement blockchain network and initiates a cross-platform transaction request if the medical account amount of the user is lower than the amount to be paid; S3, the bank transaction module acquires the user identification information and the updated payment order information from the settlement blockchain network again, calculates the amount to be paid of the bank financial account of the user according to the medical account amount of the user and the paid amount, synchronously updates the bank payment amount data to the settlement blockchain network, and finally returns a payment result to the user. When the user submits the medical payment order, the medical identity authentication module authenticates the user identity information, and the medical payment order further comprises: and verifying and authenticating the medical identification card, the medical electronic certificate or the face recognition result of the user through the medical identity authentication module. Preferably, the step of synchronously updating the paid medical account amount data to the settlement blockchain network further comprises the steps of: And deducting the medical account amount of the user, and synchronously updating the paid medical account amount and the updated medical account amount in the order information to a settlement blockchain network. Preferably, the comparing the medical account amount of the user with the amount to be paid of the payment order information further comprises: And if the personal medical account amount is not lower than the to-be-paid amount, directly deducting the to-be-paid amount from the personal medical account. Preferably, the updating the bank payment amount data to the settlement blockchain network synchronously further comprises: judging whether the bank financial account amount of the user is sufficient, and if the bank financial account amount is greater than or equal to the remaining amount to be paid, deducting the remaining amount to be paid from the bank financial account amount and returning success information. Preferably, the method further comprises: If the bank financial account amount is less than the remaining amount to be paid, failure information is returned. Preferably, the returning payment result to the user further includes: and the medical identity authentication module reads in-process data accessed by the whole process from the settlement blockchain network