BLOCKCHAIN-BASED REMITTANCE METHOD AND DEVICE

摘要

Provided in one or more embodiments of the present specification are a blockchain-based remittance method and device applied to a user terminal device in a blockchain. An account balance in a user account is at least divided into a contingency balance and a reserve balance. The user account comprises a dynamically updated contingency fund list. The contingency fund list comprises multiple contingency fund amounts. The method comprises: in response to a remittance operation initiated by a user, allocating, according to a current contingency fund list, a corresponding contingency fund amount to a remittance amount indicated by the user; and constructing a remittance transaction on the basis of the contingency fund amount allocated to the remittance amount, and transmitting the remittance transaction to a blockchain, such that the remittance amount is deducted from both the account balance and the contingency balance after the remittance transaction has been authenticated by node equipment in the blockchain.