With　the　continuous　innovation　of　network　technology,　emerging　network　service　models　have　begun　to　be　proposed,　which　also　puts　forward　higher　requirements　for　business　settlement.　Business　settlement,　as　the　foundation　of　network　services,　involves　the　interests　of　users　and　service　providers.　The　traditional　centralized　settlement　schemes　no　longer　respond　to　the　needs　of　both　parties　in　terms　of　transparency,　security,　and　fairness.　Therefore,　some　blockchain-based　settlement　solutions　have　been　proposed　to　address　these　issues.　However,　due　to　the　additional　overhead　brought　by　blockchain,　it　is　difficult　for　these　solutions　to　ensure　both　security　and　efficiency.　In　this　paper,　we　propose　a　state　channels-based　business　settlement　scheme　(SCBS)　to　complete　network　service　settlement　securely　and　efficiently.　In　SCBS,　the　settlement　process　can　be　effectively　carried　out　off-chain.　When　non-cooperative　behavior　occurs,　both　parties　can　create,　resolve,　and　refute　the　dispute　through　the　state　channel　to　assure　safety.　Finally,　the　test　results　from　Hyperledger　Fabric　platform　demonstrate　the　feasibility　and　effectiveness　of　our　SCBS.　©　2024　IEEE.