CN109003062A - A kind of Network Bank security method of commerce and system based on block chain - Google Patents
A kind of Network Bank security method of commerce and system based on block chain Download PDFInfo
- Publication number
- CN109003062A CN109003062A CN201810768943.7A CN201810768943A CN109003062A CN 109003062 A CN109003062 A CN 109003062A CN 201810768943 A CN201810768943 A CN 201810768943A CN 109003062 A CN109003062 A CN 109003062A
- Authority
- CN
- China
- Prior art keywords
- block chain
- user
- network bank
- node
- bank business
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
Abstract
The present invention provides a kind of Network Bank security method of commerce based on block chain, user submits network bank business to request, it authenticates node and feature extraction is carried out to userspersonal information, it completes after authenticating by user addition network bank business block chain node and by the constraint of intelligent contract, ideal money is paid or received according to the detailed process of network bank business, the transmission of ideal money is carried out by the cipher mode of ring signatures, and the extraction of real money is carried out by clearance node.Credit appraisal block chain node is set, monitoring management Internetbank user credit grade, if monitoring Internetbank user object, there are unlawful practices in process of exchange, the transactional operation of Internetbank user is then limited, and the discreditable behavior is informed to other nodes in the block chain in a manner of non-disclosre user's real information.
Description
Technical field
The present invention relates to network bank business field, in particular to a kind of Network Bank security method of commerce based on block chain and it is
System.
Background technique
The development for looking back China's purchase transaction generally comprises bank counter remittance, Web bank, Alipay, wechat etc. the
This several class of tripartite's payment platform.These types of mode of doing business is made a general survey of, bank counter remittance is needed by going to bank's transacting business, and
Remitting money, the period is long, and remittance user's supervision is small, is easy to appear dispute.Web bank very good solution bank counter remittance is deposited
Several defects, although Third-party payment platform with respect to Web bank it is more convenient, above-mentioned operation readiness often with
Increasing userspersonal information disclosure risk is cost, meanwhile, for the unified supervision of Third-party payment platform, there is also larger
Difficulty.In contrast, network bank business is a kind of trading solution of compromise, however, traditional network bank business is typically also to need
Data center is relied on, the processing capacity of data center will affect the efficiency of transaction, and the failure of trade center will affect friendship
Easy all related sides.It is stolen moreover, being equally existed by the personal information that browser page is filled in process of exchange
Risk.Block chain is a similar open network account book.It originates from bit coin, is the Floor layer Technology of bit coin, transaction
The all information of record can be packaged into one " block " and be stored, with the expansion of information interchange, block phase one by one
It connects, is formed block chain.It is a kind of point-to-point electronic cash system by the digital cash of representative of bit coin, every time
Transaction can all broadcast participant all in network, and just be recorded in account book after repeatedly confirming, this
Account book is exactly " block chain ".Each participant can have the account book of oneself, in this way when deceptive information occurs, so that it may pass through phase
Mutually verification is to abolish, to guarantee network security.Each node is equality in block chain, and there is no the management of centralization
The characteristics of mechanism, this " decentralization ", makes block chain not need anyone intervention without relying on third party, running, can
Independently carry out self-authentication.In addition, the network of block chain is opened to the whole world, anyone can be carried out by open port
Data query, thus whole system highly transparent, in short, block chain is a believable database, it is a reliable " account
This ", it is following cross-border payment, Internetbank, loan, in terms of, all can all apply.Such as in cross-border payment, the area You Liao
Block chain provides safety guarantee, so that it may remit money whenever and wherever possible to the whole world, thus eliminate many intermediate links and high
Service charge.
Generally speaking, block chain, Block Chain technology are that occur in recent years in the field financial technology (FinTech)
A kind of emerging technology, unique decentralization, information can not distort, multinode collective maintainability, publicity, secret protection etc.
Attribute can record based in incredible internet and provide believable trading information data.Block chain mainly includes P2P
Network, cryptography, common recognition mechanism, intelligence and about four component parts guarantee that its is exclusive by the technology integration in four fields
Characteristic, block chain technology are currently the only just to can be used for recording and proving that trade identity and Corporate Finance are quasi- without third party
The tool of true property, is able to satisfy the requirement to audit validity, accuracy and timeliness, before having wide application in financial field
Scape.However, lacking effective user credit grade appraisement system in the existing exchange management method based on block chain.
Summary of the invention
In view of the above problems of the prior art, present applicant proposes one kind to promote transaction security by multiple protective
Property and the Network Bank security method of commerce and system that user's real information will not be revealed.The present invention uses following technical scheme.One
Kind of the Network Bank security method of commerce based on block chain, user submit network bank business to request, certification node to userspersonal information into
Row feature extraction is completed by user addition network bank business block chain node and by the constraint of intelligent contract after auditing, according to net
Ideal money is paid or received to the detailed process of silver transaction, and the transmission of ideal money is carried out by the cipher mode of ring signatures, and
The extraction of real money is carried out by clearance node.Credit appraisal block chain node, monitoring management Internetbank user credit etc. are set
Grade, if monitoring Internetbank user object, there are unlawful practices in process of exchange, limit the transactional operation of Internetbank user, and
The discreditable behavior is informed to other nodes in the block chain in a manner of non-disclosre user's real information.In addition, the application is also
System including realizing the above method.
A kind of Network Bank security method of commerce based on block chain, which is characterized in that specifically includes the following steps:
(1) identity registration, user create virtual account according to registration request, improve personal information, and after the registration is finished
Generate personal virtual account information；
(2) network bank business is requested, and user initiates transaction request by personal virtual account, while authenticating node and passing through feature
The mode of extraction verifies user information, and transaction request is sent to network bank business block chain processing node after being verified；
Transaction request specifically includes transaction amount, Object of Transaction object and trading object；
(3) network bank business block chain is handled, and network bank business block chain handles node and completes network bank business according to transaction request
Process；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
(4) block chain credit appraisal, credit appraisal block chain node monitor the behavior of Internetbank user credit in real time, if monitoring
To user, there are unlawful practices during network bank business, then limit user network bank business operation, and by the discreditable behavior with
The mode of non-disclosre user's real information informs other nodes in the block chain.
In a preferred technical solution, certification node is verified user information by way of feature extraction and specifically included
User face, joint characteristic identification.
In a preferred technical solution, the processing of network bank business block chain further comprises asking when receiving network bank business
After asking, account information is modified according to transaction request by intelligent contract, and modified account information is synchronized to network bank business area
In each node of block chain；Intelligent contract is mounted on the client of each node by way of application, for update with it is synchronous each
Node account book.
In a preferred technical solution, unlawful practice is specifically included: illegally distorting personal account information.
In a preferred technical solution, the network bank business operation for limiting user is specifically included: freezing current account.
A kind of Network Bank security transaction system based on block chain, which is characterized in that specifically include with lower module:
(1) identity registration module, user create virtual account according to registration request, improve personal information, and complete to infuse
Personal virtual account information is generated after volume；
(2) network bank business request module, user initiates transaction request by personal virtual account, while authenticating node and passing through
The mode of feature extraction verifies user information, and transaction request is sent to network bank business block chain processing section after being verified
Point；Transaction request specifically includes transaction amount, Object of Transaction object and trading object；
(3) network bank business block chain processing module, network bank business block chain handle node and complete Internetbank according to transaction request
Process of exchange；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
(4) block chain credit appraisal module, credit appraisal block chain node monitor the behavior of Internetbank user credit in real time, if
Monitoring user, there are unlawful practices during network bank business, then limit the network bank business operation of user, and by the row of breaking one's promise
To inform other nodes in the block chain in a manner of non-disclosre user's real information.
In a preferred technical solution, network bank business block chain processing module further comprises handing over when receiving Internetbank
Easily after request, account information is modified according to transaction request by intelligent contract, and modified account information is synchronized to Internetbank and is handed over
In each node of easy block chain；Intelligent contract is mounted on the client of each node by way of application, for updating and together
Walk each node account book.
The beneficial effects of the present invention are:
1, the convenient transaction of network bank business is realized by the decentralization of block chain.
2, by the credit appraisal node in block chain, user behavior, further Transaction Safety have effectively been supervised
While prevent the leakage of user's real information.
3, the safety of network bank business is further improved by multiple safety verification mode.
Detailed description of the invention
Fig. 1 flow chart of the method for the present invention；
System module figure Fig. 2 of the invention
Specific embodiment
Below in conjunction with specific embodiment, the present invention is described in further detail, but embodiments of the present invention are not
It is limited to this, in the absence of conflict, the feature in embodiment and embodiment in the present invention can be combined with each other:
Embodiment 1:
Fig. 1 shows a kind of Network Bank security method of commerce flow chart based on block chain of the invention, specifically include with
Lower step:
Step S1: identity registration, user create virtual account according to registration request, improve personal information, and complete to infuse
Personal virtual account information is generated after volume；
Step S2: network bank business request, user initiates transaction request by personal virtual account, while authenticating node and passing through
The mode of feature extraction verifies user information, and transaction request is sent to network bank business block chain processing section after being verified
Point；Transaction request specifically includes transaction amount, Object of Transaction object and trading object；
Step S3: the processing of network bank business block chain, network bank business block chain handle node and complete Internetbank according to transaction request
Process of exchange；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
Step S4: block chain credit appraisal, credit appraisal block chain node monitor the behavior of Internetbank user credit in real time, if
Monitoring user, there are unlawful practices during network bank business, then limit the network bank business operation of user, and by the row of breaking one's promise
To inform other nodes in the block chain in a manner of non-disclosre user's real information.This method passes through multiple information protection side
Formula prevents the leakage of user's real information while further ensureing Internetbank transaction security, and (credit appraisal is transaction security
The triple protection of property).
In a preferred technical solution, certification node is verified user information by way of feature extraction and specifically included
User face, joint characteristic identification.The safety verification is the first of transaction security to protect again.
In a preferred technical solution, step S3 further comprises, after receiving network bank business request, by intelligently closing
Account information is about modified according to transaction request, and modified account information is synchronized to each node of network bank business block chain
In；Intelligent contract is mounted on the client of each node by way of application, for updating and synchronous each node account book.The synchronization
Operation is the second of transaction security to protect again.
In a preferred technical solution, unlawful practice is specifically included: illegally distorting personal account information.
In a preferred technical solution, the network bank business operation for limiting user is specifically included: freezing current account.
Embodiment 2:
Fig. 2 shows a kind of Network Bank security transaction system block diagrams based on block chain of the invention, specifically include following
Module:
Identity registration module 101, user create virtual account according to registration request, improve personal information, and complete to infuse
Personal virtual account information is generated after volume；
Network bank business request module 102, user initiates transaction request by personal virtual account, while authenticating node and passing through
The mode of feature extraction verifies user information, and transaction request is sent to network bank business block chain processing section after being verified
Point；Transaction request specifically includes transaction amount, Object of Transaction object and trading object；
Network bank business block chain processing module 103, network bank business block chain handle node and complete Internetbank according to transaction request
Process of exchange；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
Block chain credit appraisal module 104, credit appraisal block chain node monitor the behavior of Internetbank user credit in real time, if
Monitoring user, there are unlawful practices during network bank business, then limit the network bank business operation of user, and by the row of breaking one's promise
To inform other nodes in the block chain in a manner of non-disclosre user's real information.
In a preferred technical solution, network bank business block chain processing module 103 further comprises, when receiving Internetbank
After transaction request, account information is modified according to transaction request by intelligent contract, and modified account information is synchronized to Internetbank
In each node of transaction block chain；Intelligent contract is mounted on the client of each node by way of application, for update and
Synchronize each node account book.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Made any modifications, equivalent replacements, and improvements etc., should all be included in the protection scope of the present invention within mind and principle.
Claims (10)
1. a kind of Network Bank security method of commerce based on block chain, which is characterized in that specifically includes the following steps:
(1): identity registration, user create virtual account according to registration request, improve personal information, and generate after the registration is finished
Personal virtual account information；
(2): network bank business request, user initiates transaction request by personal virtual account, while authenticating node and being mentioned by feature
The mode taken verifies user information, and transaction request is sent to network bank business block chain processing node after being verified；It hands over
Easily request specifically includes transaction amount, Object of Transaction object and trading object；
(3): the processing of network bank business block chain, network bank business block chain handle node and complete network bank business mistake according to transaction request
Journey；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
(4): block chain credit appraisal, credit appraisal block chain node monitors the behavior of Internetbank user credit in real time, if monitored
There are unlawful practices during network bank business by user, then limit the network bank business operation of user, and by the discreditable behavior with not
The mode for revealing user's real information informs other nodes in the block chain.This method by multiple means of information protection into
One step prevents the leakage of user's real information while ensureing Internetbank transaction security.
2. the method as described in claim 1, which is characterized in that certification node verifies user information by way of feature extraction
Specifically include user face, joint characteristic identification.
3. method according to claim 1 or 2, which is characterized in that step (3) further comprises asking when receiving network bank business
After asking, account information is modified according to transaction request by intelligent contract, and modified account information is synchronized to network bank business area
In each node of block chain；Intelligent contract is mounted on the client of each node by way of application, for update with it is synchronous each
Node account book.
4. method as claimed in any one of claims 1-3, which is characterized in that unlawful practice specifically includes: illegally distorting a
People's account information.
5. such as method of any of claims 1-4, which is characterized in that limit the specific packet of network bank business operation of user
It includes: freezing current account.
6. a kind of Network Bank security transaction system based on block chain, which is characterized in that specifically include with lower module:
Identity registration module, user create virtual account according to registration request, improve personal information, and generate after the registration is finished
Personal virtual account information；
Network bank business request module, user initiates transaction request by personal virtual account, while authenticating node and being mentioned by feature
The mode taken verifies user information, and transaction request is sent to network bank business block chain processing node after being verified；It hands over
Easily request specifically includes transaction amount, Object of Transaction object and trading object；
Network bank business block chain processing module, network bank business block chain handle node and complete network bank business mistake according to transaction request
Journey；Node is cleared, the conversion of ideal money and real money is realized, completes the extraction of real money；
Block chain credit appraisal module, credit appraisal block chain node monitors the behavior of Internetbank user credit in real time, if monitored
There are unlawful practices during network bank business by user, then limit the network bank business operation of user, and by the discreditable behavior with not
The mode for revealing user's real information informs other nodes in the block chain.
7. system as claimed in claim 6, which is characterized in that certification node verifies user information by way of feature extraction
Specifically include user face, joint characteristic identification.
8. system as claimed in claims 6 or 7, which is characterized in that network bank business block chain processing module further comprises, when
After receiving network bank business request, account information is modified according to transaction request by intelligent contract, and modified account information is same
In each node for walking network bank business block chain；Intelligent contract is mounted on the client of each node by way of application, uses
In updating and synchronous each node account book.
9. the system as described in any one of claim 6-8, unlawful practice specifically include: illegally distorting personal account information.
10. the system as described in any one of claim 6-9, which is characterized in that the network bank business operation for limiting user is specific
It include: to freeze current account.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810768943.7A CN109003062A (en) | 2018-07-13 | 2018-07-13 | A kind of Network Bank security method of commerce and system based on block chain |
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| CN201810768943.7A CN109003062A (en) | 2018-07-13 | 2018-07-13 | A kind of Network Bank security method of commerce and system based on block chain |
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| CN109903028A (en) * | 2019-03-05 | 2019-06-18 | 郑州师范学院 | A kind of electronic trade method, device, transaction originating end and medium |
| CN111652719A (en) * | 2020-07-09 | 2020-09-11 | 信雅达系统工程股份有限公司 | Bank draft business service system based on block chain technology |
| CN111798226A (en) * | 2020-06-12 | 2020-10-20 | 杭州云象网络技术有限公司 | Block chain-based digital currency cross-border payment method and system |
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Application publication date: 20181214 |