Payment system based on block chain technology
Technical field
The present invention relates to payment transaction technical field, more particularly to a kind of payment supervised based on block chain technology to hand over
Easy system.
Background technology
Currently, as the extensive growth of internet and cellphone subscriber, internet payment and mobile-phone payment develop rapidly.Together
When, supervision department finds that many platforms use " big trade company " and " two is clear " pattern during actually doing business." big business
Family " pattern refers to that Duo Jia trade companies are used in conjunction with the situation of trade company's coding, violates the factuality principle of trade company;" two is clear "
Pattern refers to that either bank transfers settlement money to certain company or someone for payment company, then by this company or individual
People is settled accounts to trade company, violates the direct principle of clearing.It is possible to that the situation that fund is trapped in platform account can occur, works as account
Family fund reaches certain scale, once the situation that platform runs away or embezzled funds occurs, it will produce a series of influences extremely
The problem of severe.Meanwhile the authenticity for the Transaction Information that platform provides can not be ensured, it is possible to forgery be present, alter transaction set
Take the behavior of trade company and user's fund.
Block chain has the characteristic that decentralization, opening, autonomy and information can not distort, and can be used for building prison
Supervision tool boxes required for pipe portion door, comprising numerous means, in favor of implementing accurate, timely and more various dimensions supervision,
It is two clear to solve the problems, such as on line under electric business class service platform and line that payment services business is accused of, thus, the branch based on block chain technology
Transaction system is paid to arise at the historic moment.
The content of the invention
It is an object of the invention to provide a payment transaction system based on block chain, limited can avoid existing transaction system
Risk defect in system;Meanwhile regulator is added in system.Utilize the characteristic of block chain distribution account book, supervisor
Structure can supervise to the All Activity in system in real time, the generation for the problems such as avoiding two clear.
In order to achieve the above object, the present invention adopts the following technical scheme that:
It is a kind of be used for merchandise payment system, it is characterised in that including transaction application module, AM access module, block chain module, even
Connection module, channel module;Wherein, described transaction application module, AM access module, block chain module, link block, channel module
The connection that can be communicated successively, the connection that the link block can communicate with the AM access module;The transaction application module is by business
Family is had transaction system by oneself and formed, and All Activity is had transaction system by oneself by trade company first and placed an order, and forms transaction request, and be submitted to
In the payment system;The transaction request is in the payment system, through the AM access module, the block chain module, institute
State link block and be sent to the channel module;The AM access module is made up of SDK modules and operation management system, the operation
Management system is used to manage trading order form and trade company's authority;The channel module receives the transaction that the link block sends over
Request, handles the transaction request, transaction results is returned into the link block after the completion of processing.
The link block is configured to:The transaction request in block chain module is monitored, the transaction request listened to is sent
To channel module, and receive the transaction results of channel module return, by received transaction results write-in block chain module.
The link block includes prophet's system, notice system, reconciliation system and fault system.
Prophet's system is the bridge that block chain is connected with channel module transaction system, and prophet's system is monitored in block chain module
Transaction request, the transaction request listened to is sent to channel module;Meanwhile prophet's system receives the friendship of channel module return
Easy result, and these transaction results are write in block chain module.
The notice system is used to receive the transaction results, and transaction results are notified into transaction application module, is easy to business
Family obtains payment result within the most fast time,
The notice system will repeatedly notify transaction application module within a certain period of time.
The reconciliation system is used to obtaining the statistics bill of the payment system, and with the transaction data in block chain module
Matched, find out unmatched transaction;The fault system is used for the friendship for handling the ratio matching that reconciliation system searching comes out
Easily.
The channel module includes business bank, Unionpay, Third-party payment company and other conventional trading systems, for connecing
The transaction request that prophet's system sends over is received, transaction request is handled, by transaction results and friendship after the completion of processing
Easily clearance result returns to prophet's system.
The payment system also includes monitoring and alarming system, for being monitored to each system, includes the operation of system
Situation, if the server health where normal work, and system, when system occurs abnormal, send alarm to correlation
O&M and developer;
The SDK modules are used to help trade company and are linked into easily and fast in block chain transaction system;The operation management system
For managing trading order form and trade company's authority, specifically include and the various functions such as check, increase newly, change and delete;The block chain
Module realizes block chain point to point network, common recognition mechanism, privacy mechanism, intelligent contract.
The payment system also includes data system and air control system;The data system, for the demand according to trade company
Various transaction data are exported, the transaction data includes real-time transaction data, transaction combined data, various dimensional analysis data;
The air control system is used to monitor risk trade, and the air control system includes air control rule module, real-time air control module and afterwards
Air control module.
Brief description of the drawings
Fig. 1 is the module diagram of the payment system for being used to merchandise constructed by the present invention.
Fig. 2 is the decomposition module schematic diagram of the payment system for being used to merchandise constructed by the present invention.
Embodiment
The payment system of the present invention for being used to merchandise is made with reference to Figure of description and specific embodiment
Further explanation and explanation.
As shown in figure 1, it is described be used for merchandise payment system include transaction application module, AM access module, block chain module,
Link block, channel module;Wherein, described transaction application module, AM access module, block chain module, link block, passage mould
The connection that block can communicate successively, the connection that the link block can communicate with the AM access module;Transaction application module is by trade company
Own transaction system is formed, and All Activity is had transaction system by oneself by trade company first and placed an order, and forms transaction request, and be submitted to institute
State in payment system;The transaction request transmits in the payment system through AM access module, block chain module, link block
To channel module;The AM access module is made up of SDK modules and operation management system, and the operation management system, which is used to manage, to be handed over
Easy order and trade company's authority;The channel module receives the transaction request that the link block sends over, and transaction request is entered
Transaction results are returned to the link block by row processing after the completion of processing.
Further, the payment system includes monitoring and alarming system and data air control system.
Further, the SDK modules are used to help trade company and are linked into easily and fast in block chain transaction system.
Further, operation management system be used for manage trading order form and trade company's authority, including check, increase newly, changing and
The various functions such as deletion.
Further, link block includes prophet's system, notice system, reconciliation system and fault system.
Further, prophet's system is the bridge that block chain is connected with channel module transaction system, and prophet's system monitors area
Transaction request on block chain, the transaction request listened to is sent to channel module;Meanwhile prophet's system receives channel module and returned
The transaction results and exchange settlement result returned, and these transaction results are write in block chain.
Further, notice system is used for transaction results, and transaction results are notified into transaction application module, facilitates trade company to exist
Payment result is obtained in the most fast time, while in order to prevent network fluctuation and commerce system reason from can not receive transaction knot
Fruit, it will repeatedly notify trade company within a certain period of time.
Further, reconciliation system is used to obtaining the statistics bill of the transaction system, and with the friendship in block chain module
Easy data are matched, and find out unmatched transaction.
Further, fault system is used for the transaction for handling the ratio matching that reconciliation system searching comes out.
Further, channel module includes the conventional trading systems such as business bank, Unionpay and Third-party payment company, receives
The transaction request that prophet's system sends over, is handled transaction request, by transaction results and exchange settlement after the completion of processing
As a result prophet's system is returned to.
Further, the payment system also includes monitoring system, for being monitored to each system, including system
Operation conditions, if the server health where normal work, and system, when system occurs abnormal, send alarm to phase
The O&M of pass and developer.
Further, the payment system also includes data system, for exporting various numbers of deals according to the demand of trade company
According to the transaction data includes real-time transaction data, transaction combined data, various dimensional analysis data etc..
Further, the payment system also includes air control system, and for monitoring risk trade, the air control system includes
Air control rule module, real-time air control module and air control module afterwards.
Further, block chain module realizes block chain point to point network, common recognition mechanism, privacy mechanism, intelligent contract.
When wherein, applied to the payment in the present invention, block chain module and common alliance's chain are substantially similar, and difference is the intelligence realized
Can contract it is inconsistent, and the data broadcasted on chain are inconsistent, and link block adds more systems, and prophet's system is also
It is different;Prophet's system first listens to the transaction request on chain, and transaction request then is sent into channel module, then receives logical
The transaction results of road module, transaction results are finally write block chain module.Also, combine channel module, monitoring alarm system
System and data air control system, the combination of these modules and system so that payment system of the invention is better than existing payment system,
Solve the defects of existing system is current and deficiency.
Conventional, transaction request is asked to pay, and transaction results are payment result, and transaction data is the number for paying request
According to the data in, data of payment result and payment process.
The present invention is not limited in above-mentioned embodiment, and the instant personnel in this area do in the essential scope of the present invention
The variations, modifications, additions or substitutions gone out, it should also belong to protection scope of the present invention.