CN108022090B - Virtual account management method, device, system and readable storage medium - Google Patents

Virtual account management method, device, system and readable storage medium Download PDF

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CN108022090B
CN108022090B CN201711362919.5A CN201711362919A CN108022090B CN 108022090 B CN108022090 B CN 108022090B CN 201711362919 A CN201711362919 A CN 201711362919A CN 108022090 B CN108022090 B CN 108022090B
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virtual account
block chain
node
account management
bank
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CN108022090A (en
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肖克
李斌
苏小康
张开翔
张俊麒
范瑞彬
姚辉亚
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WeBank Co Ltd
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WeBank Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments

Abstract

The invention discloses a virtual account management method, which comprises the following steps: constructing an alliance chain consisting of a card issuing row block chain node, a receiving single row block chain node and a clearing row block chain node; writing the virtual account information generated by the card issuing bank into the card issuing bank block chain node; and based on the alliance chain, synchronizing the virtual account information in the card issuing row blockchain node to the acquiring row blockchain node and the clearing row blockchain node respectively. The invention also discloses a virtual account management device, a virtual account management system and a computer readable storage medium. The invention realizes the synchronization and consistency of the virtual account information, and enables the card issuer, the acquirer and the clearing bank to be separated from the existing centralized payment system, thereby greatly reducing the difficulty of the card issuer and the cooperation institution thereof in maintaining the virtual account.

Description

Virtual account management method, device, system and readable storage medium
Technical Field
The present invention relates to the field of information management technologies, and in particular, to a method, device, system, and computer-readable storage medium for managing virtual accounts.
Background
In a financial payment system, in order to manage user information of each user, an issuer usually generates a virtual account for storing and managing the user information, as shown in the basic management flow of the virtual account in fig. 1.
The technical implementation of the management flow scheme is to adopt a centralized thought, take a database of a card issuer as a center, and synchronize the registration information of the user to a receipt and a clearing bank. In the existing scheme, the virtual account information can be normally synchronized under a normal condition, but in order to ensure the data consistency of three parties, an issuer needs to process various abnormal conditions, and the logic is very complex.
Under the existing technical system, the issuer is responsible for the consistency of the virtual account information of the whole system, and the issuer needs to consider the synchronization condition of the acquirer and clearing line data at the same time and also needs to process various abnormal conditions, so that the system development of the issuer is complex and the cost is high.
Disclosure of Invention
The invention mainly aims to provide a virtual account management method, equipment, a system and a computer readable storage medium, aiming at solving the technical problems of reducing the difficulty of maintaining virtual account information by an issuer and a cooperative mechanism thereof and reducing the maintenance cost.
In order to achieve the above object, the present invention provides a virtual account management method, including the following steps:
constructing an alliance chain consisting of a card issuing row block chain node, a receiving single row block chain node and a clearing row block chain node;
writing the virtual account information generated by the card issuing bank into the card issuing bank block chain node;
and based on the alliance chain, synchronizing the virtual account information in the card issuing row blockchain node to the acquiring row blockchain node and the clearing row blockchain node respectively.
Optionally, the writing the virtual account information generated by the card issuer into the card issuer block chain node includes: recording the virtual account information in the card issuing block chain node into a local database in the node through an intelligent contract;
the synchronizing the virtual account information in the card issuing bank blockchain node to the acquiring bank blockchain node and the clearing bank blockchain node respectively based on the alliance chain comprises:
based on the alliance chain, respectively synchronizing the virtual account information in the card issuing row block chain node to the acquiring row block chain node and the clearing row block chain node, and recording the virtual account information into a local database in each node through an intelligent contract in each node, so as to realize the synchronization of the virtual account information of the acquiring row block chain node and the clearing row block chain node with the card issuing row block chain node.
Optionally, the virtual account management method further includes:
and when the alliance chain is constructed, synchronizing the public key information of the issuing bank, the public key information of the receiving bank and the public key information of the clearing bank to the intelligent contracts in the block chain nodes of the issuing bank, the block chain nodes of the receiving bank and the block chain nodes of the clearing bank respectively.
Optionally, the virtual account management method further includes:
when any member in the alliance chain receives a data message, verifying the signature of the data message based on the public key information of each member in the alliance chain stored in an intelligent contract;
and if the verification is passed, confirming that the data message is from other members in the alliance chain and receiving the data message.
Optionally, within the federation chain, information is synchronized between members in the form of a P2P peer-to-peer network.
Optionally, the virtual account management method further includes:
monitoring whether the virtual account information generated by the issuer is modified;
if so, updating the modified virtual account information to the card issuing bank block chain node, and synchronizing the updated virtual account information in the card issuing bank block chain node to the acquiring bank block chain node and the clearing bank block chain node respectively based on the alliance chain.
Further, to achieve the above object, the present invention also provides a virtual account management device, which includes a memory, a processor, and a virtual account management program stored in the memory and operable on the processor, wherein the virtual account management program, when executed by the processor, implements the steps of the virtual account management method according to any one of the above items.
Further, to achieve the above object, the present invention further provides a virtual account management system, including an issuer server, an acquirer server, and a clearing house server, where the virtual account management system further includes: the card issuing row block link node, the card receiving row block link node, the clearing row block link node and the virtual account management device.
Optionally, after the virtual account information generated by the issuer server is synchronized in the alliance chain, the acquirer server and the clearinghouse server may respectively perform query of the virtual account information corresponding to the acquirer block chain node and the clearinghouse block chain node.
Further, to achieve the above object, the present invention also provides a computer readable storage medium, on which a virtual account management program is stored, the virtual account management program, when executed by the processor, implementing the steps of the virtual account management method according to any one of the above items.
The invention uses the block chain technology to construct the card issuer, the acquirer and the clearing house as an alliance chain, thereby replacing the existing management scheme taking the card issuer database as the center, realizing the function of synchronizing the virtual account information by the alliance chain, finally realizing a mode of sharing accounts to record the virtual account information of the user, realizing the synchronization and consistency of the virtual account information, enabling the card issuer, the acquirer and the clearing house to be separated from the existing centralized payment system, and greatly reducing the difficulty of the card issuer and the cooperation institutions thereof in maintaining the virtual account.
Drawings
FIG. 1 is a schematic diagram illustrating a basic management process of a virtual account in the prior art;
FIG. 2 is a schematic structural diagram of a hardware operating environment of a device according to an embodiment of the present invention;
FIG. 3 is a functional block diagram of an embodiment of a virtual account management system according to the present invention;
FIG. 4 is a schematic diagram of a technical architecture of an embodiment of a virtual account management system according to the present invention;
FIG. 5 is a flowchart illustrating a virtual account management method according to a first embodiment of the present invention;
fig. 6 is a flowchart illustrating a virtual account management method according to a second embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 2, fig. 2 is a schematic structural diagram of a hardware operating environment of a device according to an embodiment of the present invention.
The virtual account management device of the embodiment of the invention can be a device composed of a plurality of PC hosts, servers and the like, and is particularly applied to a distributed environment. The distributed environment comprises a plurality of data nodes, and each data node is provided with different functional modules of the virtual account management device.
As shown in fig. 2, the virtual account management apparatus may include: a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a memory device separate from the processor 1001 described above.
Those skilled in the art will appreciate that the hardware configuration of the virtual account management device shown in fig. 2 does not constitute a limitation of the virtual account management device, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 2, a memory 1005, which is a kind of computer-readable storage medium, may include therein an operating system, a network communication module, a user interface module, and a virtual account management program. The operating system is a program for managing and controlling the virtual account management equipment and software resources, and supports the operation of the network communication module, the user interface module, the virtual account management program and other programs or software; the network communication module is used for managing and controlling the network interface 1002; the user interface module is used to manage and control the user interface 1003.
In the hardware structure of the virtual account management device shown in fig. 2, the network interface 1004 is mainly used for connecting to a system background and performing data communication with the system background; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; the virtual account management device calls the virtual account management program stored in the memory 1005 through the processor 1001, and performs the following steps:
constructing an alliance chain consisting of a card issuing row block chain node, a receiving single row block chain node and a clearing row block chain node;
writing the virtual account information generated by the card issuing bank into the card issuing bank block chain node;
and based on the alliance chain, synchronizing the virtual account information in the card issuing row blockchain node to the acquiring row blockchain node and the clearing row blockchain node respectively.
Further, the virtual account management device calls the virtual account management program stored in the memory 1005 by the processor 1001 to perform the following operations:
recording the virtual account information in the card issuing block chain node into a local database in the node through an intelligent contract;
based on the alliance chain, respectively synchronizing the virtual account information in the card issuing row block chain node to the acquiring row block chain node and the clearing row block chain node, and recording the virtual account information into a local database in each node through an intelligent contract in each node, so as to realize the synchronization of the virtual account information of the acquiring row block chain node and the clearing row block chain node with the card issuing row block chain node.
Further, the virtual account management device calls the virtual account management program stored in the memory 1005 by the processor 1001 to perform the following operations:
and when the alliance chain is constructed, synchronizing the public key information of the issuing bank, the public key information of the receiving bank and the public key information of the clearing bank to the intelligent contracts in the block chain nodes of the issuing bank, the block chain nodes of the receiving bank and the block chain nodes of the clearing bank respectively.
Further, the virtual account management device calls the virtual account management program stored in the memory 1005 by the processor 1001 to perform the following operations:
when any member in the alliance receives a data message, verifying the signature of the data message based on the public key information of each member in the alliance chain stored in an intelligent contract;
and if the verification is passed, confirming that the data message is from other members in the alliance chain and receiving the data message.
Further, the virtual account management device calls the virtual account management program stored in the memory 1005 by the processor 1001 to perform the following operations:
monitoring whether the virtual account information generated by the issuer is modified;
if so, updating the modified virtual account information to the card issuing bank block chain node, and synchronizing the updated virtual account information in the card issuing bank block chain node to the acquiring bank block chain node and the clearing bank block chain node respectively based on the alliance chain.
Referring to fig. 3, fig. 3 is a functional module diagram of an embodiment of the virtual account management system of the present invention.
In this embodiment, the virtual account management system includes an issuer server 10, an acquirer server 20, a clearing house server 30, and further includes an issuer block chain node 40, an acquirer block chain node 50, a clearing house block chain node 60, and a virtual account management device 70 for implementing virtual account information management.
Fig. 4 is a schematic diagram of a technical architecture of an embodiment of a virtual account management system.
Under the above technical architecture, the issuer server 10, the acquirer server 20, and the clearinghouse server 30 together construct a federation chain, and after the user registers through the issuer server 10, the virtual account management device 70 writes the virtual account information of the user from the issuer server 10 into the issuer block chain node 40, and then synchronizes the virtual account information to the issuer block chain node 50 and the clearinghouse block chain node 60 through the federation chain.
In addition, after the virtual account information generated by the issuer server 10 is synchronized in the alliance chain, the acquirer server 20 and the clearinghouse server 30 may respectively perform the query of the virtual account information at the acquirer block chain node 50 and the clearinghouse block chain node 60.
In this embodiment, the issuer only needs to write the virtual account information into its own block link point, so that the implementation is simple, and then performs virtual account information synchronization through the alliance chain, so that each block link node in the alliance chain can implement final consistency of the virtual account information.
Based on the hardware structure, the invention provides various embodiments of the virtual account management method.
Referring to fig. 5, fig. 5 is a flowchart illustrating a virtual account management method according to a first embodiment of the present invention. In this embodiment, the virtual account management method includes the following steps:
step S110, constructing a alliance chain consisting of a card issuing row block chain node, a receiving single row block chain node and a clearing row block chain node;
in a financial payment system, a complete transaction processing flow generally corresponds to three financial institutions, namely an issuer, an acquirer and a clearing bank, and each financial institution respectively and correspondingly processes different transaction functions in the whole transaction processing process. Such as an issuer initiating a transaction and paying an acquirer, and then clearing the transaction via a clearing house.
In this embodiment, the blockchain node specifically refers to a node participating in transaction and data exchange in a blockchain network, and each independent entity (such as an issuer, an acquirer, and a clearing house) may have one or more nodes for performing transaction, where each transaction node is a set of physical networks, and specifically includes a computer, blockchain application software, and a database.
The federation chain specifically consists of mutually trusted organization nodes, connection establishment and data transmission among all nodes are in a safe and reliable mode, such as authentication, an IP white list and the like, and external nodes cannot join the federation chain.
In this embodiment, the alliance chain specifically comprises a card issuing row block chain node 40, a receiving row block chain node 50, and a clearing row block chain node 60, and the virtual account management device 70 adopts a block chain technology to establish the alliance chain.
Step S120, writing the virtual account information generated by the card issuer into the card issuer block chain node;
step S130, based on the alliance chain, synchronizing the virtual account information in the card issuing row block chain node to the acquiring row block chain node and the clearing row block chain node respectively.
In this embodiment, after the alliance chain is established, in order to implement synchronization of virtual account information on the receiving block chain node 50 and the clearing block chain node 60, the virtual account management device 70 further needs to write the virtual account information generated by the issuer server 10 into the issuing block chain node 40, and then synchronize the virtual account information in the issuing block chain node 40 into the receiving block chain node 50 and the clearing block chain node 60 respectively based on the alliance chain technology, so as to finally achieve consistency of the virtual account information in the issuing block chain node 40, the receiving block chain node 50, and the clearing block chain node 60.
In this embodiment, the block chain technology is used to construct an issuer, an acquirer, and a clearinghouse as an alliance chain, so as to replace the existing management scheme centering on an issuer database, implement the function of synchronizing virtual account information by using the alliance chain, and finally implement a mode of sharing accounts to record the virtual account information of users, thereby implementing synchronization and consistency of the virtual account information, and enabling the issuer, the acquirer, and the clearinghouse to be separated from the existing centralized payment system, thereby greatly reducing the difficulty of the issuer and the partner thereof in maintaining the virtual account.
Based on the first embodiment, in another embodiment of the present invention, the step S120 further includes: recording the virtual account information in the card issuing block chain node into a local database in the node through an intelligent contract;
an intelligent contract is a piece of code that can run on a blockchain, and the execution process of the intelligent contract is to be identified and confirmed on the blockchain in a transaction form.
In this embodiment, the virtual account management device 70 writes the virtual account information generated by the card issuer server 10 into the card issuer block chain node 40, specifically, based on the alliance chain technology, records the virtual account information in the card issuer block chain node 40 into a local database in the node through an intelligent contract.
Optionally, the step S130 further includes: based on the alliance chain, respectively synchronizing the virtual account information in the card issuing row block chain node to the acquiring row block chain node and the clearing row block chain node, and recording the virtual account information into a local database in each node through an intelligent contract in each node, so as to realize the synchronization of the virtual account information of the acquiring row block chain node and the clearing row block chain node with the card issuing row block chain node.
In this embodiment, after the virtual account management device 70 records the virtual account information in the card issuing block chain node 40 in the local database in the local node through the intelligent contract, based on the alliance chain technology, the virtual account information in the card issuing block chain node 40 is respectively synchronized into the single line block chain node 50 and the clearing block chain node 60, and the single line receiving block chain node 50 and the clearing block chain node 60 respectively record the virtual account information in the local database in each node through the intelligent contract in each node, so as to achieve consistency of the virtual account information in the card issuing block chain node 40, the single line receiving block chain node 50 and the clearing block chain node 60.
Optionally, within the federation chain, the virtual account management device 70 employs a P2P peer-to-peer network to synchronize information between the members. In the P2P peer-to-peer network, network nodes can directly communicate with each other, thereby reducing the overhead of the central network. The data generated by one network node can be simultaneously transmitted to a plurality of network nodes for broadcasting, and meanwhile, the data can be inquired and acquired from any other network nodes.
In the embodiment, the alliance chain and the intelligent contract are utilized to realize the synchronization of the virtual account information and the final consistency of the data, so that the card issuer, the acquirer and the clearing bank are separated from the existing centralized payment system, the development work of the card issuer is simplified, and a more active payment ecological environment can be created conveniently.
Further optionally, in an embodiment, to ensure the security of the federation chain, when the federation chain is constructed, the virtual account management device 70 synchronizes the issuer public key information, the acquirer public key information, and the clearinghouse public key information to the intelligent contracts in the issuer block chain node 40, the acquirer block chain node 50, and the clearinghouse block chain node 60, respectively;
when any member in the alliance chain receives the data message, the signature of the data message is verified based on the public key information of each member in the alliance chain stored in the intelligent contract; and if the verification is passed, confirming that the data message is from other members in the alliance chain and receiving the data message.
In this embodiment, a server of each organization installs a certificate that can represent the identity of the organization, and synchronizes public key information in the certificate to a certain management-class intelligent contract of the federation chain, and other organizations judge the reliability of the data source by verifying the signature of the data packet through the public key information.
Referring to fig. 6, fig. 6 is a flowchart illustrating a virtual account management method according to a second embodiment of the present invention. Based on the first embodiment, in this embodiment, the virtual account management method further includes:
step S210, monitoring whether the virtual account information generated by the issuer is modified;
step S220, if yes, the modified virtual account information is updated to the card issuing bank block chain node; if not, continuing monitoring;
step S230, based on the alliance chain, synchronizing the updated virtual account information in the card issuing bank block chain node to the bank block chain node and the clearing bank block chain node respectively.
In this embodiment, to ensure consistency of the virtual account information ordered by each block link in the alliance chain, the virtual account management device 70 further monitors whether the virtual account information in the issuer server 10 is modified, if so, updates the modified virtual account information to the issuer block chain node 40, and synchronizes the updated virtual account information in the issuer block chain node 40 to the issuer block chain node 50 and the clearinghouse block chain node 60, respectively, based on the alliance chain technology.
The invention also provides a computer readable storage medium applied to the virtual account management device.
The computer readable storage medium has stored thereon a virtual account management program which, when executed by a processor, implements the steps of any of the embodiments of the virtual account management method described above.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The present invention is described in connection with the accompanying drawings, but the present invention is not limited to the above embodiments, which are only illustrative and not restrictive, and those skilled in the art can make various changes without departing from the spirit and scope of the invention as defined by the appended claims, and all changes that come within the meaning and range of equivalency of the specification and drawings that are obvious from the description and the attached claims are intended to be embraced therein.

Claims (9)

1. A virtual account management method is characterized by comprising the following steps:
constructing an alliance chain consisting of a card issuing row block chain node, a receiving single row block chain node and a clearing row block chain node;
writing the virtual account information generated by the card issuing bank into the card issuing bank block chain node;
based on the alliance chain, synchronizing the virtual account information in the card issuing row block chain node to a receipt row block chain node and a clearing row block chain node respectively, so that a receipt row server and a clearing row server can query the virtual account information in the receipt row block chain node and the clearing row block chain node respectively, wherein in the alliance chain, a P2P peer-to-peer network form is adopted to synchronize the information among the members;
the alliance chain is applied to a financial payment system, the financial payment system executes a complete transaction processing flow through three financial institutions, namely an issuer, an acquirer and a clearing bank, the issuer has one or more issuer block chain nodes, the acquirer has one or more acquirer block chain nodes, and the clearing bank has one or more clearing bank block chain nodes so as to participate in a block chain network for transaction and data exchange.
2. The virtual account management method of claim 1, wherein the writing of the virtual account information generated by the issuer to the issuer blockchain node comprises: recording the virtual account information in the card issuing block chain node into a local database in the node through an intelligent contract;
the synchronizing the virtual account information in the card issuing bank blockchain node to the acquiring bank blockchain node and the clearing bank blockchain node respectively based on the alliance chain comprises:
based on the alliance chain, respectively synchronizing the virtual account information in the card issuing row block chain node to the acquiring row block chain node and the clearing row block chain node, and recording the virtual account information into a local database in each node through an intelligent contract in each node, so as to realize the synchronization of the virtual account information of the acquiring row block chain node and the clearing row block chain node with the card issuing row block chain node.
3. The virtual account management method according to claim 1 or 2, wherein the virtual account management method further comprises:
and when the alliance chain is constructed, synchronizing the public key information of the issuing bank, the public key information of the receiving bank and the public key information of the clearing bank to the intelligent contracts in the block chain nodes of the issuing bank, the block chain nodes of the receiving bank and the block chain nodes of the clearing bank respectively.
4. The virtual account management method of claim 3, wherein the virtual account management method further comprises:
when any member in the alliance chain receives a data message, verifying the signature of the data message based on the public key information of each member in the alliance chain stored in an intelligent contract;
and if the verification is passed, confirming that the data message is from other members in the alliance chain and receiving the data message.
5. The virtual account management method of claim 1, wherein the virtual account management method further comprises:
monitoring whether the virtual account information generated by the issuer is modified;
if so, updating the modified virtual account information to the card issuing bank block chain node, and synchronizing the updated virtual account information in the card issuing bank block chain node to the acquiring bank block chain node and the clearing bank block chain node respectively based on the alliance chain.
6. A virtual account management device comprising a memory, a processor, and a virtual account management program stored on the memory and executable on the processor, the virtual account management program when executed by the processor implementing the steps of the virtual account management method of any one of claims 1-5.
7. A virtual account management system, comprising an issuer server, an acquirer server, a clearinghouse server, characterized in that the virtual account management system further comprises: card-issuing bank blockchain node, card-receiving bank blockchain node, clearing bank blockchain node and virtual account management device according to claim 6.
8. The virtual account management system of claim 7, wherein after the virtual account information generated by the issuer server is synchronized in the federation chain, the acquirer server and the clearinghouse server may query the virtual account information at the acquirer block chain node and the clearinghouse block chain node, respectively.
9. A computer-readable storage medium, having stored thereon a virtual account management program, which when executed by the processor, performs the steps of the virtual account management method of any one of claims 1-5.
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