CN109242493A - A kind of method of payment and device based on block chain - Google Patents
A kind of method of payment and device based on block chain Download PDFInfo
- Publication number
- CN109242493A CN109242493A CN201811023429.7A CN201811023429A CN109242493A CN 109242493 A CN109242493 A CN 109242493A CN 201811023429 A CN201811023429 A CN 201811023429A CN 109242493 A CN109242493 A CN 109242493A
- Authority
- CN
- China
- Prior art keywords
- payment
- payment request
- block chain
- check code
- verified
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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
- G06Q20/38—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
- G06Q20/4014—Identity check for transactions
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The present invention provides a kind of method of payment and device based on block chain, described method includes following steps: obtaining payment request；The payment request is verified, if being verified, to other block chain node broadcasts payment request；If verifying does not pass through, the payment request is retracted.The present invention complicated reimbursement problem and region security of promotion payment caused by being can be avoided by the above process because of payment mistake.
Description
Technical field
The present invention relates to mobile payment field more particularly to a kind of methods of payment and device based on block chain.
Background technique
Current payment request is initiated by multiple approach, including multiple terminal, Unionpay, webpage etc. carry out payment unions in many ways
Operation.And need to carry out complicated multi-party reconciliation operation error-prone in operation.If error, needs to branch
Operation is paid to be cancelled or retracted, and the process cancelled or retracted can also be related to interoperating in many ways, this process is also complex.
Therefore, the safety of complicated reimbursement problem and promotion payment becomes current caused by how effectively avoiding because of multi-party reconciliation mistake
The technical issues that need to address.
Summary of the invention
The present invention is directed to the shortcomings that existing way, a kind of method of payment and device based on block chain is proposed, to solve
The above problem of the existing technology.
According to the first aspect of the invention, a kind of method of payment based on block chain is provided, is included the following steps:
Obtain payment request；
The payment request is verified, if being verified, to other block chain node broadcasts payment request；If verifying is not
Pass through, retracts the payment request.
Further, the payment request passes through RF passive label, two dimensional code, recognition of face and/or living things feature recognition
Incoming end generate.
Further, the payment request is verified, further includes, parses the payment request to obtain the branch in payment request
Information checking code is paid, and the payment information check code is verified.
Further, the payment request is encrypted by Hash enciphered method.
Further, the payment information check code is hash check code.
On the other hand, the present invention provides a kind of payment mechanisms based on block chain, comprising:
Module is obtained, for obtaining payment request；
Verification processing module, should to other block chain node broadcasts if being verified for verifying the payment request
Payment request；If verifying does not pass through, the payment request is retracted.
Further, the payment request passes through RF passive label, two dimensional code, recognition of face and/or living things feature recognition
Incoming end generate.
It further, further include parsing verification unit,
Described further includes parsing verification unit for parsing the payment request to obtain the payment information in payment request
Check code, and the payment information check code is verified.
Further, the payment request is encrypted by Hash enciphered method.
Further, the payment information check code is hash check code.
Compared with prior art, the beneficial effects of the present invention are:
1, the present invention is by obtaining simultaneously validation of payment request, and it is wide to carry out block chain node to the payment request by verifying
Broadcast, and retract not by the payment request of verifying, caused by which can be avoided because of payment mistake complicated reimbursement problem and
Promote the region security of payment；
2, request and the safety of check code can be guaranteed by Hash Encryption Algorithm and hash check code, while passes through solution
Analysis payment request can effectively detect the payment information being tampered, and further improve the region security of payment.
The additional aspect of the present invention and advantage will be set forth in part in the description, these will become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow chart of method of payment of one of the embodiment of the present invention one based on block chain；
Fig. 2 is the structural block diagram of payment mechanism of one of the embodiment of the present invention two based on block chain；
Fig. 3 is in the embodiment of the present invention two when a kind of payment mechanism based on block chain is mobile phone, and the part of mobile phone is tied
Structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiment is only a part of example of the present invention, is implemented instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Those skilled in the art of the present technique are appreciated that unless otherwise defined, all terms used herein (including technology art
Language and scientific term), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless idealization or meaning too formal otherwise will not be used by specific definitions as here
To explain.
Embodiment one
As shown in Figure 1, providing a kind of method of payment based on block chain of one embodiment of the invention, including walk as follows
It is rapid:
S101 obtains payment request；
Payment request is generated by RF passive label, two dimensional code, recognition of face and/or the incoming end of living things feature recognition.
S102 validation of payment request, if being verified, to other block chain node broadcasts payment request；If verifying is not
Pass through, retracts payment request.
The process specifically further includes, and parses payment request to obtain the payment information check code in payment request, and to branch
Information checking code is paid to be verified.
Payment request is encrypted by Hash enciphered method.
Payment information check code is hash check code.
Hash enciphered method encrypts abbreviation hash algorithm, and hash algorithm is also known as digest algorithm, hashing algorithm, it passes through a letter
Number, the data conversion of random length at the serial data of a fixed length, it is a kind of one-way cipher system, can not be from inverse
To restoring original plaintext.
There are many hash algorithms, and more commonly used has MD5, SHA1, SHA256 etc..One 32 16 system words of MD5
Symbol string indicates, still popular although MD5 has been broken at present；One 40 16 system string tables of SHA1
Show, be also broken at present, but compare MD5, the difficulty being broken is larger, and SHA256 is not yet broken, more than SHA256
Add safety, but safer algorithm is more complicated, and it is longer to calculate the time.
Embodiment two
As shown in Fig. 2, providing a kind of payment mechanism based on block chain of another embodiment of the present invention, comprising:
Modules A 201 is obtained, for obtaining payment request；
Payment request is generated by RF passive label, two dimensional code, recognition of face and/or the incoming end of living things feature recognition.
Verification processing modules A 202 is requested for validation of payment, should to other block chain node broadcasts if being verified
Payment request；If verifying does not pass through, payment request is retracted.
Verification processing modules A 202 further includes parsing verification unit A2021, and parsing verification unit A2021 is for parsing payment
Request verifies payment information check code with obtaining the payment information check code in payment request.
Payment request is encrypted by Hash enciphered method.
Payment information check code is hash check code.
As shown in figure 3, the device can be include mobile phone, tablet computer, PDA (Personal Digital Assistant,
Personal digital assistant), POS (Point of Sales, point-of-sale terminal), any terminal device such as vehicle-mounted computer, using terminal as hand
For machine:
With reference to Fig. 3, the block diagram of the part-structure of mobile phone, mobile phone includes: radio frequency (Radio Frequency, RF) circuit
1510, memory 1520, input unit 1530, display unit 1540, sensor 1550, voicefrequency circuit 1560, Wireless Fidelity
The components such as (wireless fidelity, WiFi) module 1570, processor 1580 and power supply 1590.Those skilled in the art
It is appreciated that handset structure shown in Fig. 3 does not constitute the restriction to mobile phone, it may include than illustrating more or fewer portions
Part perhaps combines certain components or different component layouts.
It is specifically introduced below with reference to each component parts of the Fig. 3 to mobile phone:
RF circuit 1510 can be used for receiving and sending messages or communication process in, signal sends and receivees, particularly, by base station
After downlink information receives, handled to processor 1580；In addition, the data for designing uplink are sent to base station.In general, RF circuit
1510 include but is not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier (Low Noise
Amplifier, LNA), duplexer etc..In addition, RF circuit 1510 can also be logical with network and other equipment by wireless communication
Letter.Any communication standard or agreement, including but not limited to global system for mobile communications (Global can be used in above-mentioned wireless communication
System of Mobile communication, GSM), general packet radio service (General Packet Radio
Service, GPRS), CDMA (Code Division Multiple Access, CDMA), wideband code division multiple access
(Wideband Code Division Multiple Access, WCDMA), long term evolution (Long Term Evolution,
LTE), Email, short message service (Short Messaging Service, SMS) etc..
Memory 1520 can be used for storing software program and module, and processor 1580 is stored in memory by operation
1520 software program and module, thereby executing the various function application and data processing of mobile phone.Memory 1520 can be led
It to include storing program area and storage data area, wherein storing program area can be needed for storage program area, at least one function
Application program (such as sound-playing function, image player function etc.) etc.；Storage data area, which can be stored, uses institute according to mobile phone
Data (such as audio data, phone directory etc.) of creation etc..In addition, memory 1520 may include high random access storage
Device, can also include nonvolatile memory, and a for example, at least disk memory, flush memory device or other volatibility are solid
State memory device.
Input unit 1530 can be used for receiving the number or character information of input, and generate with the user setting of mobile phone with
And the related key signals input of function control.Specifically, input unit 1530 may include touch panel 1531 and other inputs
Equipment 1532.Touch panel 1531, also referred to as touch screen collect touch operation (such as the user of user on it or nearby
Use the behaviour of any suitable object or attachment such as finger, stylus on touch panel 1531 or near touch panel 1531
Make), and corresponding attachment device is driven according to preset formula.Optionally, touch panel 1531 may include touch detection
Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band
The signal come, transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and by it
It is converted into contact coordinate, then gives processor 1580, and order that processor 1580 is sent can be received and executed.In addition,
Touch panel 1531 can be realized using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch surface
Plate 1531, input unit 1530 can also include other input equipments 1532.Specifically, other input equipments 1532 may include
But in being not limited to physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc.
It is one or more.
Display unit 1540 can be used for showing information input by user or be supplied to user information and mobile phone it is each
Kind menu.Display unit 1540 may include display panel 1541, optionally, can use liquid crystal display (Liquid
Crystal Display, LCD), the forms such as Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED)
To configure display panel 1541.Further, touch panel 1531 can cover display panel 1541, when touch panel 1531 detects
After arriving touch operation on it or nearby, processor 1580 is sent to determine the type of touch event, is followed by subsequent processing device
1580 provide corresponding visual output according to the type of touch event on display panel 1541.Although in Fig. 3, touch panel
1531 and display panel 1541 are the input and input function for realizing mobile phone as two independent components, but in certain realities
Apply in example, can be integrated by touch panel 1531 and display panel 1541 and that realizes mobile phone output and input function.
Mobile phone may also include at least one sensor 1550, such as optical sensor, motion sensor and other sensors.
Specifically, optical sensor may include ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light
Light and shade adjust the brightness of display panel 1541, proximity sensor can close display panel when mobile phone is moved in one's ear
1541 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (generally three axis) and add
The size of speed can detect that size and the direction of gravity when static, can be used to identify application (such as the horizontal/vertical screen of mobile phone posture
Switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.；Also as mobile phone
The other sensors such as configurable gyroscope, barometer, hygrometer, thermometer, infrared sensor, details are not described herein.
Voicefrequency circuit 1560, loudspeaker 1561, microphone 1562 can provide the audio interface between user and mobile phone.Audio
Electric signal after the audio data received conversion can be transferred to loudspeaker 1561, be converted by loudspeaker 1561 by circuit 1560
For voice signal output；On the other hand, the voice signal of collection is converted to electric signal by microphone 1562, by voicefrequency circuit 1560
Audio data is converted to after reception, then by after the processing of audio data output processor 1580, through RF circuit 1510 to be sent to ratio
Such as another mobile phone, or audio data is exported to memory 1520 to be further processed.
WiFi belongs to short range wireless transmission technology, and mobile phone can help user's transceiver electronics postal by WiFi module 1570
Part, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 3 is shown
WiFi module 1570, but it is understood that, and it is not belonging to must be configured into for mobile phone, it can according to need do not changing completely
Become in the range of the essence of invention and omits.
Processor 1580 is the control centre of mobile phone, using the various pieces of various interfaces and connection whole mobile phone,
By running or execute the software program and/or module that are stored in memory 1520, and calls and be stored in memory 1520
Interior data execute the various functions and processing data of mobile phone, to carry out integral monitoring to mobile phone.Optionally, processor
1580 may include one or more processing units；Preferably, processor 1580 can integrate application processor and modulation /demodulation processing
Device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is mainly located
Reason wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 1580.
Mobile phone further includes the power supply 1590 (such as battery) powered to all parts, it is preferred that power supply can pass through power supply
Management system and processor 1580 are logically contiguous, to realize management charging, electric discharge and power consumption pipe by power-supply management system
The functions such as reason.
Although being not shown, mobile phone can also include camera, bluetooth module etc., and details are not described herein.
It is apparent to those skilled in the art that for convenience and simplicity of description, the module of foregoing description,
The specific work process of related work unit and device, can refer to corresponding processes in the foregoing method embodiment, herein no longer
It repeats.
In 2 embodiments provided herein, it should be understood that disclosed method, system, device, module and/
Or unit, it may be implemented in other ways.For example, embodiment of the method described above is only schematical, for example,
The division of the module, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple
Module or component can be combined or can be integrated into another system, or some features can be ignored or not executed.The work
It may or may not be physically separated for the unit of separate part description, component shown as a unit can be
Or it may not be physical unit, it can it is in one place, or may be distributed over multiple network units.It can be with
Some or all of the units may be selected to achieve the purpose of the solution of this embodiment according to the actual needs.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of method of payment based on block chain, which comprises the steps of:
Obtain payment request；
The payment request is verified, if being verified, to other block chain node broadcasts payment request；If verifying is not led to
It crosses, retracts the payment request.
2. the method according to claim 1, wherein the payment request passes through RF passive label, two dimensional code, people
The incoming end of face identification and/or living things feature recognition generates.
3. method according to claim 1 or 2, which is characterized in that verify the payment request, further include, described in parsing
Payment request verifies the payment information check code with obtaining the payment information check code in payment request.
4. according to the method described in claim 3, it is characterized in that, the payment request is encrypted by Hash enciphered method.
5. according to the method described in claim 4, it is characterized in that, the payment information check code is hash check code.
6. a kind of payment mechanism based on block chain characterized by comprising
Module is obtained, for obtaining payment request；
Verification processing module, for verifying the payment request, if being verified, to the payment of other block chain node broadcasts
Request；If verifying does not pass through, the payment request is retracted.
7. device according to claim 6, which is characterized in that the payment request passes through RF passive label, two dimensional code, people
The incoming end of face identification and/or living things feature recognition generates.
8. device according to claim 6 or 7, which is characterized in that it further include parsing verification unit,
Described further includes that parsing verification unit is verified for parsing the payment request with obtaining the payment information in payment request
Code, and the payment information check code is verified.
9. device according to claim 8, which is characterized in that the payment request is encrypted by Hash enciphered method.
10. device according to claim 9, which is characterized in that the payment information check code is hash check code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811023429.7A CN109242493A (en) | 2018-09-04 | 2018-09-04 | A kind of method of payment and device based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811023429.7A CN109242493A (en) | 2018-09-04 | 2018-09-04 | A kind of method of payment and device based on block chain |
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| Publication Number | Publication Date |
|---|---|
| CN109242493A true CN109242493A (en) | 2019-01-18 |
Family
ID=65060272
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811023429.7A Pending CN109242493A (en) | 2018-09-04 | 2018-09-04 | A kind of method of payment and device based on block chain |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110363513A (en) * | 2019-07-15 | 2019-10-22 | 湖南智慧政务区块链科技有限公司 | Payment unions method and apparatus based on block chain |
| CN111461732A (en) * | 2020-04-03 | 2020-07-28 | 银清科技有限公司 | Payment information verification method, system and device based on block chain |
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| CN106600252A (en) * | 2016-12-15 | 2017-04-26 | 咪咕文化科技有限公司 | Payment method and payment system based on block chain |
| CN107077674A (en) * | 2016-12-29 | 2017-08-18 | 深圳前海达闼云端智能科技有限公司 | Transaction verification processing method and device and node equipment |
| CN107423973A (en) * | 2017-08-04 | 2017-12-01 | 现在（北京）支付股份有限公司 | The method of payment of passive barcode scanning on customer mobile terminal based on block chain technology |
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| CN105931052A (en) * | 2016-04-21 | 2016-09-07 | 四川大学 | Virtual currency transaction validation method based on block chain multi-factor cross-validation |
| CN106600252A (en) * | 2016-12-15 | 2017-04-26 | 咪咕文化科技有限公司 | Payment method and payment system based on block chain |
| CN107077674A (en) * | 2016-12-29 | 2017-08-18 | 深圳前海达闼云端智能科技有限公司 | Transaction verification processing method and device and node equipment |
| CN107423973A (en) * | 2017-08-04 | 2017-12-01 | 现在（北京）支付股份有限公司 | The method of payment of passive barcode scanning on customer mobile terminal based on block chain technology |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110363513A (en) * | 2019-07-15 | 2019-10-22 | 湖南智慧政务区块链科技有限公司 | Payment unions method and apparatus based on block chain |
| CN111461732A (en) * | 2020-04-03 | 2020-07-28 | 银清科技有限公司 | Payment information verification method, system and device based on block chain |
| CN111461732B (en) * | 2020-04-03 | 2023-07-21 | 银清科技有限公司 | Block chain-based payment information verification method, system and device |
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Application publication date: 20190118 |