Method of charging electronic currency automatically based on blockchain and system thereof

A service-providing server comprising:

• a hardware processor;
• a network interface;
• a memory configured to load a computer program to be executed by the hardware processor;
• and
• a storage configured to store the computer program,
• wherein the computer program which, when executed by the hardware processor, causes the hardware processor to perform operations comprising:
• determining that an automatic charging of a charging amount of electronic currency held by a payer is necessary, in response to a payment transaction processing request received from a terminal of the payer, wherein the payment transaction processing request is associated with a payment transaction and wherein the payment transaction processing request includes payment information;
• charging the charging amount of electronic currency in an electronic wallet of the payer in response to the determining;
• initiating a repayment transaction based on the payment information, wherein a repayment transaction message is associated with the repayment transaction, and wherein the repayment transaction message includes a first electronic signature and a second electronic signature, and wherein the first electronic signature is provided by the service-providing server, and wherein the second electronic signature is obtained from the payment transaction;
• and
• processing the repayment transaction without requesting the terminal of the payer for an electronic signature for the repayment transaction message, wherein the processing includes interoperating with a blockchain network formed of a plurality of blockchain nodes.

A non-transitory computer-readable storage medium storing a computer program which, when executed by at least one processor of a service-providing server, causes the service-providing server to perform operations comprising:

• determining that an automatic charging of a charging amount of electronic currency to a payer is necessary, in response to a payment transaction processing request received from a terminal of the payer, wherein the payment transaction processing request is associated with a payment transaction and wherein the payment transaction processing request includes payment information;
• charging the charging amount of electronic currency in an electronic wallet of the payer in response to the determining;
• initiating a repayment transaction based on payment information, where a repayment transaction message is associated with the repayment transaction, and wherein the repayment transaction message includes a first electronic signature and a second electronic signature, and wherein the first electronic signature is provided by the service-providing server, and the second electronic signature is obtained from the payment information;
• and
• processing the repayment transaction without requesting the terminal of the payer for an electronic signature for the repayment transaction, wherein the processing includes interoperating with a blockchain network formed of a plurality of blockchain nodes.