CN107423973B - Payment method for passive code scanning on user mobile terminal based on block chain technology - Google Patents
Payment method for passive code scanning on user mobile terminal based on block chain technology Download PDFInfo
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- CN107423973B CN107423973B CN201710664192.XA CN201710664192A CN107423973B CN 107423973 B CN107423973 B CN 107423973B CN 201710664192 A CN201710664192 A CN 201710664192A CN 107423973 B CN107423973 B CN 107423973B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The payment method of passive code scanning on the mobile terminal of the user based on the block chain technology comprises the following steps: the user opens the payment APP on the mobile terminal and presents the payment two-dimensional code to the merchant; the merchant scans the two-dimensional code and submits the two-dimensional code and the order request to any node on the block chain payment system, and the node forms a receiving node; the payment request is recorded onto the blockchain; the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point; the payment result is recorded on the blockchain; and the payment channel settles the transaction funds to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to finish the whole payment process.
Description
Technical Field
The invention relates to the technical field of payment transaction, in particular to a payment method for passively scanning codes on a user mobile terminal based on a block chain technology.
Background
Currently, with the large-scale growth of internet and mobile phone users, internet payments and mobile phone payments are rapidly developing. Meanwhile, the supervision department finds that a large merchant mode and a second clear mode are used by a plurality of platforms in the actual business process. The 'big merchant' mode refers to the condition that a plurality of merchants commonly use one merchant code, and the authenticity principle of the merchants is violated; the 'second clear' mode refers to that a payment company or a bank transfers settlement money to a certain company or a certain person, and the settlement is carried out on the settlement money to a merchant by the certain company or the certain person, so that the principle of directness of settlement is violated. The situation that funds are retained in the platform account can happen, and once the platform runs or the funds are stolen, a series of problems with extremely bad influence can be caused when the account funds reach a certain scale. Meanwhile, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be behaviors of counterfeiting and changing transactions to collect the funds of merchants and users.
The block chain has the characteristics of decentralization, openness, autonomy and information non-falsification, can be used for constructing a supervision tool box which is required by a supervision department and comprises a plurality of means, is beneficial to implementing the supervision with accurate, timely and more dimensions, solves the problem that an online commercial service platform and an offline payment service provider are suspected to be clear, and is more frequently used for code scanning payment on a mobile terminal, so that the passive code scanning payment method on the user mobile terminal based on the block chain technology is produced.
At present, in the payment method based on the block chain technology, an independent foreknowledge system is not used for monitoring the transaction or payment request on the block chain, or the independent foreknowledge system is used for being connected with a payment channel, and the payment data is verified and transmitted through the foreknowledge system, so that the passive code scanning method on the user mobile terminal based on the block chain technology is firstly proposed in the payment field.
Disclosure of Invention
The invention aims to provide a payment method for passively scanning codes on a user mobile terminal based on a block chain technology, which can effectively avoid the risk defect in the conventional order system. By utilizing the characteristic of the block chain distributed account book, a monitoring mechanism can monitor all transactions in the system in real time, and the problems of secondary clearing and the like are avoided.
In order to achieve the purpose, the invention adopts the following technical scheme:
a payment method of passive code scanning on a user mobile terminal based on a block chain technology comprises the following steps:
s1, the user presents the two-dimensional code: the user opens the payment APP on the mobile terminal and presents the payment two-dimensional code to the merchant;
s2, submitting a payment request by the merchant system: the merchant scans the two-dimensional code, submits the two-dimensional code and the order request to any node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, the step of monitoring and paying (S4) is specifically:
s4.1, monitoring a payment request on a block chain of a node matched with the payment request by a first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, and entering the step S4.2, if the verification is failed, discarding the payment request, and ending the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to the precedent system, the precedent system verifies the successful payment, and if the successful verification is achieved, the payment result is written into the matched block chain link point; and if the verification fails, discarding the payment result and not recording.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, directly discarding the payment result;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, directly discarding the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, after the notification system monitors the payment result on the block chain of the node matched with the notification system, notifying the payment result to an order system of a merchant.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, in step S6, the packing the settlement result onto the block chain by the prior knowledge system specifically includes: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
Further, in step S4.3, after receiving the payment result, the block chain link point matched with the pre-known system also verifies the payment result, sends the verification result to other nodes of the block chain after the verification is successful, and simultaneously stores the payment result in the transaction pool of the node; if the verification fails, directly discarding the payment result; after receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded.
A method as claimed in any preceding claim, wherein payment data that fails validation is processed by an error checking and processing system connected to the blockchain, wherein the payment data comprises data of payment requests, payment responses, payment results and settlement results.
Drawings
FIG. 1 is an interaction diagram of a payment method constructed by the present invention
FIG. 2 is a flow chart of embodiment 3 of the payment method constructed by the present invention
FIG. 3 is a flow chart of embodiment 2 of the payment method constructed by the present invention
Detailed Description
The payment method for passive code scanning on a user mobile terminal based on the blockchain technology according to the present invention is further explained and explained with reference to the drawings and the specific embodiments of the specification.
Example 1
The payment method of passive code scanning on the user mobile terminal based on the block chain technology comprises the following specific transaction processes:
the user presents the two-dimensional code: the user opens the payment APP and presents the payment two-dimensional code to the merchant;
the merchant system submits a payment request: the merchant scans the two-dimensional code and submits the two-dimensional code and the order request to any node on the block chain payment system;
the block chain broadcasts payment requests and blocks: the node receives a request of a merchant, verifies the request of the merchant, sends the request to other nodes of the block chain after the request is successfully verified, and simultaneously stores a payment request into a transaction pool of the node; if the verification fails, the payment request is discarded directly. After receiving the broadcasted payment request, other nodes respectively carry out verification, if the verification is successful and the payment request is received for the first time, broadcast the payment request and store the payment request into a transaction pool of the nodes; otherwise, the payment request is discarded directly. After a certain time, the payment request is packaged onto the blockchain according to consensus rules.
The first known system listens for a payment request: the first-known system monitors the payment request on the block chain of the matched node and verifies the transaction;
the precursor system sends a payment request: after the verification is successful, the pre-known system sends the payment request to a payment channel;
and returning a payment result by the payment channel: the payment channel processes the payment request and returns a payment result to the precedent system;
the precursor system returns a payment result: after the first-known system receives the payment result, the payment result is sent to the node matched with the payment result;
the block chain broadcasts the payment result and blocks: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, the payment result is directly discarded. After receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded. After a certain time, the payment result is packed to a block chain according to a consensus regulation;
the block chain returns a payment result: the node which receives the request earliest returns the payment result on the block chain to the merchant order system;
the merchant displays the payment result: after the order system of the merchant receives the payment result, the payment result is displayed to the user;
and (4) settlement of funds of a payment channel: on the settlement day, the payment channel settles the transaction funds to the settlement account of the merchant;
and the payment channel sends a settlement result: and sending the settlement result to a prior knowledge system;
the prior system returns a settlement result: after the first-known system receives the settlement result, the settlement result is sent to the node matched with the settlement result;
and broadcasting settlement results by the block chain and blocking: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the settlement result into a transaction pool of the node; if the verification fails, the settlement result is directly discarded. After receiving the broadcasted settlement results, other nodes respectively carry out verification, if the verification is successful and the settlement results are received for the first time, broadcast the settlement results and store the settlement results into the transaction pools of the nodes; otherwise, directly discarding the settlement result. After a certain time, the settlement result is packed into a block chain according to consensus regulation;
example 2
A payment method of passive code scanning on a user mobile terminal based on a block chain technology comprises the following steps:
s1, the user presents the two-dimensional code: the user opens the payment APP on the mobile terminal and presents the payment two-dimensional code to the merchant;
s2, submitting a payment request by the merchant system: the merchant scans the two-dimensional code, submits the two-dimensional code and the order request to any node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the advanced system, and packs the settlement result to the block chain through the block chain link points matched with the advanced system;
and S7, ending the payment.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of the block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the node, and goes to step S3.2; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment request is received for the first time, the other nodes broadcast the payment request and simultaneously store the payment request into a transaction pool of the node, otherwise, the node directly discards the payment request;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
Further, the step of monitoring and paying (S4) is specifically:
s4.1, monitoring a payment request on a block chain of a node matched with the payment request by a first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, and entering the step S4.2, if the verification is failed, discarding the payment request, and ending the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to the precedent system, the precedent system verifies the successful payment, and if the successful verification is achieved, the payment result is written into the matched block chain link point; and if the verification fails, discarding the payment result and not recording.
Further, the payment result processing step (S5) is specifically:
s5.1, the block chain node matched with the priori knowledge system receives the payment result written by the priori knowledge system, verifies the payment result, if the verification is successful, sends the payment result to other nodes of the block chain, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, directly discarding the payment result;
s5.2, after receiving the broadcasted payment result, the other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the nodes; otherwise, directly discarding the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, after the notification system monitors the payment result on the block chain of the node matched with the notification system, notifying the payment result to an order system of a merchant.
Further, the payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment result, displaying the payment result.
Further, in step S6, the packing the settlement result onto the block chain by the prior knowledge system specifically includes: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
Further in step S4.3, after receiving the payment result, the block chain link point matched with the pre-known system further verifies the payment result, sends the verification result to other nodes of the block chain after the verification is successful, and simultaneously stores the payment result in the transaction pool of the node; if the verification fails, directly discarding the payment result; after receiving the broadcasted payment result, the other nodes respectively carry out verification, broadcast the payment result and store the payment result into a transaction pool of the nodes, wherein the verification is successful and the payment result is received for the first time; otherwise, the payment result is directly discarded.
Further, the payment data which fails to be verified is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
Example 3
A payment method of passive code scanning on a user mobile terminal based on a block chain technology only comprises the following steps:
s1, the user presents the two-dimensional code: the user opens the payment APP on the mobile terminal and presents the payment two-dimensional code to the merchant;
s2, submitting a payment request by the merchant system: the merchant scans the two-dimensional code, submits the two-dimensional code and the order request to any node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the advanced system, and packs the settlement result to the block chain through the block chain link points matched with the advanced system;
and S7, ending the payment.
According to the transaction flow and blockchain features of the present invention, all nodes will have a complete non-tampered book. Therefore, the supervising mechanism can supervise all transactions through the account book of the node, and risk transactions are prevented from occurring.
The present invention is not limited to the above-described embodiments, and variations, modifications, additions and substitutions which can be made by those skilled in the art within the spirit of the invention are also within the scope of the invention.
Claims (7)
1. A payment method of passive code scanning on a user mobile terminal based on a block chain technology is characterized by comprising the following steps:
s1, the user presents the two-dimensional code: the user opens the payment APP on the mobile terminal and presents the payment two-dimensional code to the merchant;
s2, submitting a payment request by the order system of the merchant: the merchant scans the two-dimensional code, submits the two-dimensional code and the order request to any node on the block chain of the payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain;
s4, monitoring and paying steps: the first known system monitors the payment request on the matched block chain link point and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point;
s5, payment result processing step: after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to an order system of a merchant;
s6, clearing: the payment channel settles the transaction fund to the settlement account of the merchant, sends the settlement result to the prior system, and packs the settlement result to the block chain through the block chain link matched with the prior system to complete the whole payment process;
and S7, ending the payment.
2. The method according to claim 1, wherein the block chain processing step S3 specifically is:
s3.1, the receiving node receives the payment request, verifies the payment request, broadcasts the payment request to other nodes of a block chain if the verification is successful, simultaneously stores the payment request in a transaction pool of the receiving node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request, and entering step S7 to finish the payment;
s3.2, after other nodes of the block chain receive the broadcasted payment request, verifying the request respectively, if the verification is successful and the payment request is received for the first time, broadcasting the payment request, and storing the payment request into a transaction pool of the current verification node, otherwise, directly discarding the payment request by the current verification node;
and S3.3, after the preset time, blocking the payment request through a consensus algorithm, and recording the block to a block chain.
3. The method according to claim 1 or 2, wherein the step of listening and paying S4 specifically is:
s4.1, monitoring the payment request on the matched block chain link point by the first-known system, verifying the payment request, if the verification is successful, sending the payment request to a payment channel, entering the step S4.2, if the verification is failed, discarding the payment request, and entering the step S7 to finish the payment;
s4.2, processing the payment request through a payment channel to generate a payment result;
s4.3, the payment channel sends the successful payment result to a priori knowledge system, the priori knowledge system verifies the payment result, and if the verification is successful, the payment result is written into the matched block chain link point; if the verification fails, the payment result is discarded without recording, and the process proceeds to step S7.
4. The method according to claim 1, wherein the payment result processing step S5 is specifically:
s5.1, the block chain nodes matched with the priori knowledge system receive payment results written by the priori knowledge system, verify the payment results, if the verification is successful, send the payment results to other nodes of the block chain, simultaneously store the payment results into a transaction pool of the block chain nodes matched with the priori knowledge system, and enter a step 5.2; if the verification fails, the block chain node matched with the prior known system directly discards the payment result, and the step S7 is entered;
s5.2, after receiving the broadcasted payment result, other nodes respectively carry out verification, if the verification is successful and the payment result is received for the first time, the payment result is broadcasted, and meanwhile, the payment result is stored in a transaction pool of the current verification node; otherwise, the current verification node directly discards the payment result;
s5.3, after the preset time, recording the payment result on a block chain after the payment result is blocked by a consensus algorithm;
and S5.4, after the notification system monitors the payment result on the block chain node of the notification system, notifying the order system of the merchant of the payment result.
5. The method of claim 4, wherein the payment result processing step S5 further comprises: and S5.5, after the merchant order system receives the payment result, displaying the payment result.
6. The method according to claim 1, wherein in step S6, the packing the settlement result onto the block chain through the matching block chain nodes by the priori knowledge system is specifically: the prior knowledge system verifies the settlement result, after the verification is successful, the settlement result is written into the block chain link point matched with the prior knowledge system, the node broadcasts the settlement result to other nodes, and after the preset time, the settlement result is blocked by a consensus algorithm and then recorded on a block chain.
7. The method of claim 1, wherein the payment data that fails validation is processed by an error checking and processing system connected to the blockchain, wherein the payment data includes data of payment request, payment result and settlement result.
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