Public number method of payment based on block chain technology
Technical field
The present invention relates to payment transaction technical field, more particularly to a kind of public number payer based on block chain technology
Method.
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, also, public number pay it is also normal all the more
With thus, the public number method of payment based on block chain technology is arisen at the historic moment.
At present, in the method for payment based on block chain technology, independent prophet's system is not used to monitor on block chain
Transaction or pay request, or be connected with channel of disbursement using independent prophet's system, verified by prophet's system and transmit branch
Data are paid, the public number method of payment of the invention based on block chain technology, are to propose first in payment technical field therefore.
The content of the invention
The purpose of the present invention is to provide a public number method of payment based on block chain technology, can effectively avoid existing
There is the risk defect in form ordering system.Using the characteristic of block chain distribution account book, regulator can be in real time in system
All Activity is supervised, 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:
A kind of public number method of payment based on block chain technology, including:
S1, generation step:The sequence information received is sent to the form ordering system of trade company by public number, and generation is paid please
Ask;
S2, submit step:Trade company's form ordering system is submitted to appointing on block chain as Payment Request System by request is paid
One node of meaning, then now, the node forms receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitor payment step:The payment request that prophet's system is listened on the block chain of matching node, will be propped up
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, will successively pay response and payment result
Return to prophet's system;Prophet's system is successively returned to block chain by matching block chain node and pays response and payment
As a result;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, clearance step:Channel of disbursement settles accounts transaction funds the settlement accounts to trade company, and checkout result is sent to
Prophet's system, checkout result is bundled on block chain by prophet's system, completes to pay overall process;
S7, terminate this payment.
Further, the block chain processing step (S3) is specially:
S3.1, the receiving node receive it is described pay request, and to it is described payment request verify, if checking into
Work(, then the payment request is broadcast to other nodes of block chain, while the payment request is stored in the transaction of the node
Pond, and enter step S3.2;If authentication failed, directly abandon described pay and ask, terminate this payment;
After S3.2, other nodes of block chain receive the payment request of broadcast, verified respectively, if checking
Success and be receive for the first time it is described pay request, the payment request is broadcasted, while the payment please be sought survival
Enter the trading pit of own node;Otherwise, node itself directly abandons payment request;
S3.3, after preset time, will pay request by algorithm of knowing together it is blocking after, be recorded on block chain.
Further, the monitoring payment step (S4) is specially:
The payment request that S4.1, prophet's system are listened on the block chain of matching node, is carried out to paying request
Checking, if be proved to be successful, payment request is sent to channel of disbursement and enters step S4.2, if authentication failed, is abandoned
It is described to pay request (whether return or terminate, if not terminating to mean to continue step S4.2);
S4.2, channel of disbursement are handled the payment request, and public number will be called to pay required information and given birth to
Prophet's system is returned into response is paid;
After S4.3, prophet's system receives payment response, response will be paid and be sent to matching block chain node,
The node receives the payment response and is broadcast to other nodes by response is paid;
S4.4, after preset time, the payment response by algorithm of knowing together it is blocking after, be recorded on block chain;
Payment response on block chain is returned to trade company's form ordering system by S4.5, the earliest node for receiving request;
Information required for calling public number to pay is returned to user by S4.6, trade company's form ordering system according to response is paid
Mobile phone public number on;
S4.7, the mobile phone public number of user are called public number to pay, paid, generated according to the described information of return
Payment result;
S4.8, channel of disbursement will pay successful result and be sent to prophet's system, and prophet's system is successfully entered to described pay
Row checking, if be proved to be successful, payment result is write matching block chain node;If authentication failed, abandon
The payment result is without record.
Further, in the step S4.5, after calling public number to pay, before being paid, user cipher need to be inputted.
Further, the payment result processing step (S5) is specially:
S5.1, the payment result with the block chain node reception prophet system write-in of prophet's system matches, to payment result
Verified, if be proved to be successful, be sent to other nodes of block chain, while transaction results are stored in the transaction of the node
Pond;If authentication failed, the transaction results are directly abandoned, payment result is broadcast to other nodes;
After S5.2, other nodes receive the transaction results of broadcast, verified respectively, be proved to be successful and be first
It is secondary to receive the transaction results, transaction results are broadcasted, while transaction results are stored in the trading pit of node;Otherwise, directly
Abandon the transaction results;
S5.3, after preset time, the payment result by algorithm of knowing together it is blocking after, be recorded on block chain;
S5.4, notice system listen to it is described notice system matches node block chain on payment result after,
By the form ordering system of payment result notice trade company.
Further, the payment result processing step (S5) also includes:
After S5.5, trade company's form ordering system receive payment result, payment result is shown.
Further, in step s 6, described checkout result is bundled on block chain by prophet's system is specially:First
Know that system is verified to checkout result, after being proved to be successful, checkout result write into the block chain node with prophet's system matches,
Checkout result is broadcast to other nodes by the node, after preset time, the checkout result by algorithm of knowing together it is blocking after, quilt
It recorded on block chain.
Further, the form ordering system that the sequence information received is sent to trade company by the public number is specially:User
The commodity to be bought are chosen on the public number market of trade company, click on payment button, sequence information is sent to trade company by public number
Form ordering system.
Further, in step S4.3, after receiving the payment response with the block chain node of prophet's system matches,
Also include first verifying the payment response, other nodes of block chain are sent to after being proved to be successful, while should by transaction
Answer the trading pit for being stored in the node;If authentication failed, the transaction response is directly abandoned;Other nodes receive the friendship of broadcast
After easy response, verified respectively, be proved to be successful and be to receive the transaction response for the first time, transaction response is carried out wide
Broadcast, while response of merchandising is stored in the trading pit of node;Otherwise, the transaction response is directly abandoned.
Further, the payment data of authentication failed is carried out by the mistake verification with block chain link with processing system
Reason, wherein, the payment data includes paying request, pays the data of response, payment result and checkout result.
Optionally, the channel of disbursement is wechat, and the public number is wechat public number.
In addition, in the present invention, after other nodes of block chain receive broadcast, node itself abandons payment data, refers to
Payment data is abandoned in the node of the only authentication failed, rather than all nodes abandon payment data, payment data is also present
In certain node or some nodes of block chain.
Brief description of the drawings
Fig. 1 is the interaction schematic diagram of the method for payment constructed by the present invention
Fig. 2 is the flow chart of the embodiment 3 of the method for payment constructed by the present invention
Fig. 3 is the flow chart of the embodiment 2 of the method for payment constructed by the present invention
Embodiment
With reference to Figure of description and specific embodiment to supervising based on block chain technology of the present invention
Method of commerce, make further explanation and explanation.
Embodiment 1
It is as follows that public number pays particular transactions flow:
User submits order:User chooses the commodity to be bought on the public number market of trade company, clicks on payment button, public
The many numbers form ordering systems that sequence information is sent to trade company, generate transaction request;
Commerce system submits transaction request:Transaction request is submitted to appointing in block chain payment system by trade company's form ordering system
One node of meaning;
Block chain broadcast transaction request is simultaneously blocking:The node receives the request of trade company, and the request to trade company is verified, is tested
Other nodes of block chain are sent to after demonstrate,proving successfully, while transaction request is stored in the trading pit of the node;If authentication failed,
Then directly abandon the transaction request.After other nodes receive the transaction request of broadcast, verified, be proved to be successful simultaneously respectively
And be to receive the transaction request for the first time, transaction request is broadcasted, while transaction request is stored in the trading pit of node;It is no
Then, the transaction request is directly abandoned.After a predetermined time, the transaction request provides according to common recognition, is packaged into block chain
On.
Prophet's system listens to transaction request:The transaction that prophet's system is listened on the block chain of matching node please
Ask, and transaction is verified;
Prophet's system sends transaction request:After being proved to be successful, transaction request is sent to channel of disbursement by prophet's system;
Channel of disbursement returns to transaction response:Channel of disbursement is handled transaction request, and public number will be called to pay institute
The key element generation transaction response needed returns to prophet's system;
Prophet's system returns to transaction response:After prophet's system receives transaction response, transaction response is sent to therewith
The node of matching;
Block chain broadcast transaction response is simultaneously blocking:The node receives the response of prophet's system, and response is verified, verifies
Other nodes of block chain are sent to after success, while response of merchandising is stored in the trading pit of the node;If authentication failed,
Directly abandon the transaction response.After other nodes receive the transaction response of broadcast, verified respectively, be proved to be successful and
It is to receive the transaction response for the first time, transaction response is broadcasted, while response of merchandising is stored in the trading pit of node;It is no
Then, the transaction response is directly abandoned.After a predetermined time, the transaction response provides according to common recognition, is packaged into block chain
On;
Block chain returns to transaction response:Transaction response on block chain is returned to trade company and ordered by the earliest node for receiving request
Single system;
Trade company returns to call parameters:Public number of trade company's form ordering system in transaction response pays recalls information, will adjust
The information needed for public number payment is played to return in the mobile phone public number of user;
User carries out public number payment:Mobile phone public number has adjusted public number to pay, user's input is close according to return information
Code, complete to pay;
Channel of disbursement returns to transaction results:The channel of disbursement successful result that will merchandise is sent to prophet's system
Prophet's system returns to transaction results:After prophet's system is proved to be successful, transaction results are write to matching block
Chain node;
Block chain broadcast transaction results are simultaneously blocking:The node receives the result of prophet's system, and result is verified, verifies
Other nodes of block chain are sent to after success, while transaction results are stored in the trading pit of the node;If authentication failed,
Directly abandon the transaction results.After other nodes receive the transaction results of broadcast, verified respectively, be proved to be successful and
It is to receive the transaction results for the first time, transaction results is broadcasted, while transaction results are stored in the trading pit of node;It is no
Then, the transaction results are directly abandoned.After a predetermined time, the transaction results provide according to common recognition, are packaged into block chain
On;
Notice system answers transaction results:The transaction results that notice system is listened on the block chain of matching node
Afterwards, transaction results are verified;
Notify notifications transaction results:Notice system notifies transaction results the form ordering system of trade company;
Trade company shows transaction results:After the form ordering system of trade company receives transaction results, transaction results are shown to use
Family;
Channel of disbursement settlement fund:Account day, channel of disbursement settle accounts transaction funds the settlement accounts to trade company;
Channel of disbursement sends checkout result:And checkout result is sent to prophet's system;
Prophet's system returns to checkout result:After prophet's system receives checkout result, checkout result is sent to therewith
The node of matching;
Block chain broadcast checkout result is simultaneously blocking:The node receives the result of prophet's system, and result is verified, verifies
Other nodes of block chain are sent to after success, while checkout result is stored in the trading pit of the node;If authentication failed,
Directly abandon the checkout result.After other nodes receive the checkout result of broadcast, verified respectively, be proved to be successful and
It is to receive the checkout result for the first time, checkout result is broadcasted, while checkout result is stored in the trading pit of node;It is no
Then, the checkout result is directly abandoned.After a predetermined time, the checkout result provides according to common recognition, is packaged into block chain
On.
Embodiment 2
The present invention provides a kind of public number method of payment based on block chain technology, including:
S1, generation step:The sequence information received is sent to the form ordering system of trade company by public number, and generation is paid please
Ask;
S2, submit step:Trade company's form ordering system is submitted to appointing on block chain as Payment Request System by request is paid
One node of meaning, then now, the node forms receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitor payment step:The payment request that prophet's system is listened on the block chain of matching node, will be propped up
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, will successively pay response and payment result
Return to prophet's system;Prophet's system is successively returned to block chain by matching block chain node and pays response and payment
As a result;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, clearance step:Channel of disbursement settles accounts transaction funds the settlement accounts to trade company, and checkout result is sent to
Prophet's system, checkout result is bundled on block chain by prophet's system;
S7, terminate this payment.
Further, as shown in figure 3, the block chain processing step (S3) is specially:
S3.1, the receiving node receive it is described pay request, and to it is described payment request verify, if checking into
Work(, then the payment request is broadcast to other nodes of block chain, while the payment request is stored in the transaction of the node
Pond, and enter step S3.2;If authentication failed, directly abandon described pay and ask, terminate this payment;
After S3.2, other nodes of block chain receive the payment request of broadcast, verified respectively, if checking
Success and be receive for the first time it is described pay request, the payment request is broadcasted, while the payment please be sought survival
Enter the trading pit of own node;Otherwise, node itself directly abandons payment request;
Further, the monitoring payment step (S4) is specially:
The payment request that S4.1, prophet's system are listened on the block chain of matching node, is carried out to paying request
Checking, if be proved to be successful, payment request is sent to channel of disbursement and enters step S4.2, if authentication failed, is abandoned
It is described to pay request (whether return or terminate, if not terminating to mean to continue step S4.2);
S4.2, channel of disbursement are handled the payment request, and public number will be called to pay required information and given birth to
Prophet's system is returned into response is paid;
After S4.3, prophet's system receives payment response, response will be paid and be sent to matching block chain node,
The node receives the payment response and is broadcast to other nodes by response is paid;
S4.4, after preset time, the payment response by algorithm of knowing together it is blocking after, be recorded on block chain;
Payment response on block chain is returned to trade company's form ordering system by S4.5, the earliest node for receiving request;
Information required for calling public number to pay is returned to user by S4.6, trade company's form ordering system according to response is paid
Mobile phone public number on;
S4.7, the mobile phone public number of user are called public number to pay, paid, generated according to the described information of return
Payment result;
S4.8, channel of disbursement will pay successful result and be sent to prophet's system, and prophet's system is successfully entered to described pay
Row checking, if be proved to be successful, payment result is write matching block chain node;If authentication failed, abandon
The payment result is without record.
Further, in the step S4.5, after calling public number to pay, before being paid, user cipher need to be inputted.
Further, the payment result processing step (S5) is specially:
S5.1, the payment result with the block chain node reception prophet system write-in of prophet's system matches, to payment result
Verified, if be proved to be successful, be sent to other nodes of block chain, while transaction results are stored in the transaction of the node
Pond;If authentication failed, the transaction results are directly abandoned, payment result is broadcast to other nodes;
After S5.2, other nodes receive the transaction results of broadcast, verified respectively, be proved to be successful and be first
It is secondary to receive the transaction results, transaction results are broadcasted, while transaction results are stored in the trading pit of node;Otherwise, directly
Abandon the transaction results;
S5.3, after preset time, the payment result by algorithm of knowing together it is blocking after, be recorded on block chain;
S5.4, notice system listen to it is described notice system matches node block chain on payment result after,
By the form ordering system of payment result notice trade company.
Further, the payment result processing step (S5) also includes:
After S5.5, trade company's form ordering system receive payment result, payment result is shown.
Further, in step s 6, described checkout result is bundled on block chain by prophet's system is specially:First
Know that system is verified to checkout result, after being proved to be successful, checkout result write into the block chain node with prophet's system matches,
Checkout result is broadcast to other nodes by the node, after preset time, the checkout result by algorithm of knowing together it is blocking after, quilt
It recorded on block chain.
Further, the form ordering system that the sequence information received is sent to trade company by the public number is specially:User
The commodity to be bought are chosen on the public number market of trade company, click on payment button, sequence information is sent to trade company by public number
Form ordering system.
Further, in step S4.3, after receiving the payment response with the block chain node of prophet's system matches,
Also include first verifying the payment response, other nodes of block chain are sent to after being proved to be successful, while should by transaction
Answer the trading pit for being stored in the node;If authentication failed, the transaction response is directly abandoned;Other nodes receive the friendship of broadcast
After easy response, verified respectively, be proved to be successful and be to receive the transaction response for the first time, transaction response is carried out wide
Broadcast, while response of merchandising is stored in the trading pit of node;Otherwise, the transaction response is directly abandoned.
Further, the payment data of authentication failed is carried out by the mistake verification with block chain link with processing system
Reason, wherein, the payment data includes paying request, pays the data of response, payment result and checkout result.
In addition, in the present invention, after other nodes of block chain receive broadcast, node itself abandons payment data, refers to
Payment data is abandoned in the node of the only authentication failed, rather than all nodes abandon payment data, payment data is also present
In certain node or some nodes of block chain.
Optionally, the channel of disbursement is wechat, and the public number is wechat public number.
Embodiment 3
The present invention provides a kind of public number method of payment based on block chain technology, only includes:
S1, generation step:The sequence information received is sent to the form ordering system of trade company by public number, and generation is paid please
Ask;
S2, submit step:Trade company's form ordering system is submitted to appointing on block chain as Payment Request System by request is paid
One node of meaning, then now, the node forms receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Ask blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitor payment step:The payment request that prophet's system is listened on the block chain of matching node, will be propped up
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, will successively pay response and payment result
Return to prophet's system;Prophet's system is successively returned to block chain by matching block chain node and pays response and payment
As a result;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, clearance step:Channel of disbursement settles accounts transaction funds the settlement accounts to trade company, and checkout result is sent to
Prophet's system, checkout result is bundled on block chain by prophet's system;
S7, terminate this payment.
According to the transaction flow of the present invention and the characteristic of block chain, all nodes can all have portion completely to distort
Account book.Therefore, regulator can arrive all transaction by the account book supervision of this node, prevent the generation of risk trade.
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.