CN110348836B - Payment method and device based on block chain and electronic equipment - Google Patents

Payment method and device based on block chain and electronic equipment Download PDF

Info

Publication number
CN110348836B
CN110348836B CN201910542459.7A CN201910542459A CN110348836B CN 110348836 B CN110348836 B CN 110348836B CN 201910542459 A CN201910542459 A CN 201910542459A CN 110348836 B CN110348836 B CN 110348836B
Authority
CN
China
Prior art keywords
payment
target transaction
transaction
information
target
Prior art date
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.)
Active
Application number
CN201910542459.7A
Other languages
Chinese (zh)
Other versions
CN110348836A (en
Inventor
李超
李佳佳
梁俊锋
辛子英
范钰琨
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CITIC Aibank Corp Ltd
Original Assignee
CITIC Aibank Corp Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by CITIC Aibank Corp Ltd filed Critical CITIC Aibank Corp Ltd
Priority to CN201910542459.7A priority Critical patent/CN110348836B/en
Publication of CN110348836A publication Critical patent/CN110348836A/en
Application granted granted Critical
Publication of CN110348836B publication Critical patent/CN110348836B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • 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
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/30—Network architectures or network communication protocols for network security for supporting lawful interception, monitoring or retaining of communications or communication related information
    • H04L63/306—Network architectures or network communication protocols for network security for supporting lawful interception, monitoring or retaining of communications or communication related information intercepting packet switched data communications, e.g. Web, Internet or IMS communications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • H04L67/563—Data redirection of data network streams

Abstract

The application provides a payment method, a payment device and electronic equipment based on a blockchain, which are applied to the technical field of the blockchain, and verify the transaction information of a target transaction hand stored on the blockchain based on transaction related information of the target transaction intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the transaction information of the target transaction hand stored on the blockchain is ensured, and a clearing structure can acquire the real transaction information of the target transaction hand through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the transaction amount of the target transaction is transferred from the supervision account to the corresponding account of the merchant by the clearing mechanism, the past funds of the two-clearing platform mechanism are all completed by the supervision account, and the supervision of the funds is ensured, so that the problem of 'two-clearing' of the funds is solved.

Description

Payment method and device based on block chain and electronic equipment
Technical Field
The application relates to the technical field of blockchains, in particular to a payment method and device based on blockchains and electronic equipment.
Background
"two clear" is a payment system that is related to the "one clear" organization, which refers to commercial banks and people's bank payment licenses, and "two clear" organization, which is an organization that does not obtain people's bank payment licenses, actually engages in payment under the support of a card-holding and order-receiving organization, typically an on-line platform-type organization.
At present, a settlement mode of ' platform unified receipt + downward ' secondary clearing ' is generally adopted by a ' two clearing ' platform mechanism, and as the online card-free payment market is rapidly expanded, huge customer settlement funds are deposited on a fund account of the platform mechanism, and accordingly risks of maintaining customer fund safety are associated. I.e., the payment that would have been received by the resident merchant due to the provision of the product or service, the settlement of funds is increased by one process due to the relationship of the on-line platform-type institution, which is hidden in a great risk, and if the on-line platform-type institution is poorly operated or uses funds, the merchant on the platform would suffer unnecessary loss. Therefore, how to solve the "two-clear" problem becomes a key point of close attention.
Disclosure of Invention
The application provides a payment method, device and electronic equipment based on a blockchain, which are used for solving the problems of second-definition funds and second-definition information, and the technical scheme adopted by the application is as follows:
in a first aspect, a block chain-based payment method is provided, and the method is applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and a two-definition target system; the method includes the steps of,
receiving first payment message information of a target transaction sent by a user and forwarded by a reverse proxy server;
performing verification operation based on the first payment message information of the target transaction;
if the verification result information is successful in verification, sending second payment message information of the target transaction to the payment channel platform through the forward proxy server, and receiving first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer accounts to a supervisory account set up by a clearing institution for a two-clear target system;
if the first payment result information is successful in payment, transmitting transfer message information transferred to a merchant corresponding to the target transaction to a clearing mechanism, wherein the clearing mechanism is used for determining whether to transfer the transfer to the merchant based on the first hand transaction information of the target transaction acquired from the blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by a reverse proxy server and the second payment message information intercepted and forwarded by a forward proxy server and the first payment result information.
In a second aspect, there is provided a blockchain-based payment method for use in a clearing house, the method comprising:
receiving transfer message information which is sent by a second-definition target system and transferred to a merchant corresponding to target transaction;
acquiring the first hand transaction information of the target transaction from the blockchain, wherein the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
a determination is made as to whether to transfer the transaction funds in the regulatory account established by the clearinghouse for the two-clear platform system to the corresponding account of the merchant based on the one-hand transaction information for the target transaction.
In a third aspect, a payment device based on a blockchain is provided, and the device is applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and a two-definition target system; the device comprises:
the first receiving module is used for receiving first payment message information of the target transaction sent by the user and forwarded by the reverse proxy server;
the verification module is used for performing verification operation based on the first payment message information of the target transaction;
The first sending module is used for sending second payment message information of the target transaction to the payment channel platform through the forward proxy server and receiving first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server if the verification result information is successful, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer accounts to a supervisory account set up by a clearing institution for the two-clear target system;
the second sending module is used for sending transfer message information transferred to the merchant corresponding to the target transaction to the clearing mechanism if the first payment result information is successful in payment, wherein the clearing mechanism is used for determining whether to transfer the transfer to the merchant based on the first hand transaction information of the target transaction acquired from the blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server with the first payment result information.
In a fourth aspect, there is provided a blockchain-based payment device for use in a clearing house, comprising:
the second receiving module is used for receiving transfer message information which is sent by the two-definition target system and transferred to a merchant corresponding to the target transaction;
The acquisition module is used for acquiring the hand transaction information of the target transaction from the blockchain, wherein the hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
and the determining module is used for determining whether to transfer transaction funds in the supervision account established by the clearing institution for the two-clearing platform system to the corresponding account of the merchant based on the one-hand transaction information of the target transaction.
In a fifth aspect, there is provided an electronic device comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more applications configured to: the blockchain-based payment method shown in the first aspect is performed.
In a sixth aspect, there is provided an electronic device comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more applications configured to: the blockchain-based payment method shown in the second aspect is performed.
In a seventh aspect, there is provided a computer readable storage medium storing computer instructions that, when run on a computer, cause the computer to perform the blockchain-based payment method of the first aspect.
In an eighth aspect, there is provided a computer readable storage medium storing computer instructions that, when run on a computer, cause the computer to perform the blockchain-based payment method of the second aspect.
The application provides a payment method, a device and electronic equipment based on a blockchain, wherein the method comprises the steps of receiving first payment message information of a target transaction sent by a user and forwarded by a reverse proxy server, then performing verification operation based on the first payment message information of the target transaction, if verification result information is successful, sending second payment message information of the target transaction to a payment channel platform through a forward proxy server, and receiving first payment result information of the target transaction, fed back by the payment channel platform through the forward proxy server, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer to a supervision account set up by a clearing mechanism for a two-clear target system, and then sending transfer message information of a merchant corresponding to the target transaction to the clearing mechanism if the first payment result information is successful, wherein the clearing mechanism is used for determining whether to the merchant based on first transaction information of the target transaction acquired from the blockchain, and the first transaction information of the target transaction is obtained by verification result based on the first payment message information intercepted and the second payment message information intercepted and the first payment information forwarded to the proxy server.
The method comprises the steps that based on transaction related information of target transactions intercepted by a forward proxy server and a reverse proxy server, target transaction hand transaction information stored on a blockchain is checked, authenticity of the target transaction hand information stored on the blockchain is ensured, and a clearing structure can acquire real target transaction hand information through the blockchain, so that the problem of information 'two clear' is solved;
in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved;
furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
Additional aspects and advantages of the application will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings, in which:
FIG. 1 is a flow chart of a blockchain-based payment method according to an embodiment of the present application;
FIG. 2 is a schematic structural diagram of a two-stage platform according to an embodiment of the present disclosure;
FIG. 3 is a schematic flow chart of a payment method according to an embodiment of the present application;
FIG. 4 is a flow chart of another blockchain-based payment method according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a payment device based on blockchain according to an embodiment of the present application;
FIG. 6 is a schematic diagram of another blockchain-based payment device according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of another electronic device according to an embodiment of the present application.
Detailed Description
Embodiments of the present application are described in detail below, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to like or similar elements or elements having like or similar functions throughout. The embodiments described below by referring to the drawings are exemplary only for the purpose of illustrating the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless expressly stated otherwise, as understood by those skilled in the art. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. The term "and/or" as used herein includes all or any element and all combination of one or more of the associated listed items.
For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how the technical solutions of the present application solve the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Example 1
The embodiment of the application provides a payment method based on a blockchain, which is applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and the two-definition target system, and as shown in fig. 1, the method can comprise the following steps:
step S101, receiving first payment message information of a target transaction sent by a user and forwarded by a reverse proxy server;
specifically, the user and the merchant on the two-definition platform can achieve the target transaction, the user sends first payment message information of the target transaction to the reverse proxy server, and the reverse proxy server forwards the first payment message information of the target transaction to the two-definition target system of the two-definition platform; the reverse proxy server and the following forward proxy server can be realized by Nginx or other servers capable of realizing the functions of the application, wherein Nginx is a lightweight Web server/reverse proxy server and an E-mail (IMAP/POP 3) proxy server which are issued under the BSD-like protocol, and the reverse proxy server and the following forward proxy server are characterized by small occupied memory and strong concurrency, and in fact, the concurrency of the nganx is really better in the same type of Web servers.
Step S102, checking operation is carried out based on first payment message information of target transaction;
specifically, the second-definition target system performs verification according to the received first payment message information of the target transaction; if the first payment message information of the target transaction is the ciphertext encrypted by asymmetric encryption, the first payment message information of the target transaction may be verified after being decrypted by a corresponding asymmetric encryption technology; the verification may be, for example, verifying whether the merchant corresponds to inventory, or may be other verification consistent with the merchant's specific transaction on the two-pass platform.
Step S103, if the verification result information is successful, sending second payment message information of the target transaction to the payment channel platform through the forward proxy server, and receiving first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer accounts to a supervisory account set up by a clearing institution for the two-clear target system;
specifically, if the verification result information is that verification is successful, the two-clear platform system sends second payment message information of the target transaction to the forward proxy server, the forward proxy server forwards the second payment message information of the target transaction to the payment channel platform, and receives first payment result information fed back by the payment channel platform; the payment channel platform can be a payment precious payment channel platform, a WeChat payment channel platform and a Unionpay payment channel platform, and can also be other payment channel platforms for realizing the functions of the application, and the application is not limited herein; the second payment message information of the target transaction is used for requesting the payment channel platform to transfer to a supervision account set up by the clearing institution for the two-clearing target system, the clearing institution can be a commercial bank or a payment institution with a people bank payment service license, and preferably, the supervision account can be an account specially set up by the two-clearing platform at the clearing institution.
Step S104, if the first payment result information is successful payment, transmitting transfer message information transferred to the merchant corresponding to the target transaction to a clearing mechanism, wherein the clearing mechanism is used for determining whether to transfer the transfer to the merchant based on the first hand transaction information of the target transaction acquired from the blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information.
Specifically, if the first payment result information is that the payment is successful, that is, the payment channel platform successfully transfers the transaction amount of the target transaction to the supervision account of the second clearing platform, the second clearing platform system sends transfer message information for transferring to the merchant corresponding to the target transaction to the clearing structure, so that the merchant obtains funds which are required to be obtained by the target transaction achieved by the user;
specifically, after receiving transfer message information of transferring to a merchant corresponding to a target transaction, the clearing mechanism acquires hand transaction information corresponding to the target transaction from a blockchain, verifies whether the target transaction actually occurs, transfers to a corresponding account of the merchant if the target transaction actually occurs, and feeds back transfer result information of transferring to the merchant to a two-clear platform system; if the target transaction does not really occur, not transferring accounts to the merchant, and feeding back account transfer result information to the two-clear platform system; after receiving the transfer result information fed back by the clearing mechanism, the second clearing platform system feeds back corresponding transfer result information to the merchant;
The first payment result information is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server, wherein the check is used for confirming whether the first payment message information of the target transaction actually happens.
The embodiment of the application provides a payment method based on a blockchain, the embodiment of the application performs verification operation by receiving first payment message information of a target transaction sent by a user and forwarded by a reverse proxy server, then performs verification operation based on the first payment message information of the target transaction, if the verification result information is verification success, sends second payment message information of the target transaction to a payment channel platform through a forward proxy server, and receives first payment result information of the target transaction, which is fed back by the payment channel platform through the forward proxy server, wherein the second payment message of the target transaction is used for requesting a supervision account transfer of the payment channel platform to a clearing mechanism for a two-clear target system, and then sends transfer message information of a merchant corresponding to the target transaction to the clearing mechanism if the first payment result information is payment success, and the clearing mechanism is used for determining whether the first payment message information of the target transaction is obtained from the blockchain to the merchant, and the transaction information of the target transaction is based on the first payment message information intercepted by the reverse proxy server and the second payment message information forwarded by the forward proxy server and the first payment result information is obtained by verification result.
The method comprises the steps that based on transaction related information of target transactions intercepted by a forward proxy server and a reverse proxy server, target transaction hand transaction information stored on a blockchain is checked, authenticity of the target transaction hand information stored on the blockchain is ensured, and a clearing structure can acquire real target transaction hand information through the blockchain, so that the problem of information 'two clear' is solved;
in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved;
furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
For better understanding of the present application, fig. 2 shows a schematic structure of a two-definition platform, where the two-definition platform 20 includes a reverse proxy server 201, a two-definition target system 202, a forward proxy server 203, a front end module 204, a security module 205, and a blockchain node 206; fig. 3 shows a schematic diagram of a payment process of a transaction, and the following describes the payment process of a transaction with reference to fig. 2 and 3:
Step 301: the user sends the first payment message information to the reverse proxy server 201 of the two-definition platform, and the reverse proxy server 201 forwards the first payment message information to the two-definition target system 202 and shares the first payment message information to the clearing institution through the blockchain node 206;
step S302: the second clearing target system 202 checks according to the received first payment message information forwarded by the reverse proxy server 201 and stores the first payment message information in a local database;
step S303: the second clearing target system 202 sends second payment message information to the payment channel platform through the forward proxy server 203, and the forward proxy server 203 intercepts the second payment message information and shares the second payment message information to the clearing mechanism through the blockchain node 206;
step 304: after the payment channel platform performs corresponding processing according to the received second payment message information, feeding back the payment result information to the two-definition target system 202 through the forward proxy server 203, and meanwhile, the forward proxy server 203 shares the intercepted payment result information with a clearing mechanism through the blockchain node 206;
step 305: the second-definition target system feeds the payment result information back to the user terminal through the reverse proxy server 201;
step S306: if the payment result information is that the payment is successful, the two-definition target system 202 may send a transfer request to transfer to the merchant to the clearing institution;
Step S307: the clearing mechanism determines whether to transfer accounts to merchants according to the transaction hand information acquired from the blockchain and feeds back account transfer result information to the two-definition target system 202;
step S308: and the second clearing target system feeds back the transfer result information fed back by the clearing mechanism to the merchant.
It should be noted that, the steps 301 to 308 may be adjusted according to practical situations, and are not limited to the above examples.
The embodiment of the application provides a possible implementation manner, and the two-definition platform further comprises a front-end module and a safety module; the method comprises the following steps:
step S105 (not shown in the figure), decrypting the first payment message information of the target transaction by the asymmetric encryption technology and/or decrypting the first payment result information by the asymmetric encryption technology to obtain the first payment message of the target transaction and/or the first payment result information plaintext of the target transaction;
the symmetric encryption algorithm uses the same secret key in encryption and decryption; the asymmetric encryption algorithm needs two keys to encrypt and decrypt, wherein the two keys are a public key and a private key, and the two-clear target system can decrypt the first payment message information and/or the first payment result information of the target transaction based on the private key of the two-clear target system to obtain a first payment message of the target transaction and/or a first payment result information plaintext of the target transaction.
Step S106 (not shown in the figure), the first payment message of the target transaction and/or the first payment result information of the target transaction are/is sent to the front-end module;
in step S107 (not shown in the figure), the pre-module is configured to verify the first payment message of the target transaction based on the first payment message Wen Mingwen of the target transaction, the first payment message of the target transaction intercepted and forwarded by the reverse proxy server, the public key of the two-definition target system acquired from the security module, and store the first payment message of the target transaction to the corresponding block of the blockchain when the verification result is passed, and/or store the first transaction result information plaintext of the target transaction to the corresponding block of the blockchain after desensitizing the first transaction result information plaintext of the target transaction based on the first payment result information plaintext of the target transaction, the first payment result information of the target transaction intercepted and forwarded to the pre-module by the forward proxy server, and the public key of the two-definition target system acquired from the security module.
Illustratively, the front-end module encrypts the first payment message of the target transaction sent by the two-definition target system through the public key of the two-definition target system obtained from the security module to obtain an encrypted first payment message Wen Mingwen, and then compares the encrypted first payment message Wen Mingwen with the first payment message information of the target transaction intercepted and forwarded to the front-end module by the reverse proxy server, and if the two messages are consistent, it is indicated that the first payment message of the target transaction is authentic.
For example, when the verification passes, the plaintext of the first transaction result information and/or the first payment message of the target transaction may be subjected to desensitization processing, i.e. sensitive information of the user, such as information of an address, an identity card number, etc., is removed, and then stored in a corresponding block on the blockchain.
For the embodiment of the application, the authenticity of the information stored on the blockchain is ensured by checking the plaintext of the first transaction result information and/or the first payment message of the target transaction through the asymmetric encryption technology.
The embodiment of the application provides a possible implementation manner, and the two-definition platform further comprises a front-end module and a safety module; the method comprises the following steps:
Step S108 (not shown in the figure), the second payment message of the target transaction is sent to the front-end module;
in step S109 (not shown in the figure), the front-end module is configured to verify the second payment message of the target transaction based on the second payment message Wen Mingwen of the target transaction, the second payment message information of the target transaction forwarded to the front-end module intercepted by the forward proxy server, and the public key of the payment channel platform acquired from the security module, and store the second payment message of the target transaction to the corresponding block of the blockchain when the verification result is passed.
The front-end module encrypts the second payment message of the target transaction sent by the two-definition target system through the public key of the payment channel platform acquired from the security module to obtain an encrypted second payment message Wen Mingwen, then compares the encrypted second payment message plaintext with the second payment message information of the target transaction intercepted and forwarded to the front-end module by the forward proxy server, and if the two payment message information are consistent, the second payment message of the target transaction is true.
For the embodiment of the application, the second payment message of the target transaction is verified through the asymmetric encryption technology, so that the authenticity of the information stored on the blockchain is ensured.
Example two
An embodiment of the present application provides another blockchain-based payment method, applied to a clearing institution as shown in fig. 4, including:
step S401, receiving transfer message information which is sent by a two-definition target system and transferred to a merchant corresponding to target transaction;
step S402, acquiring the first hand transaction information of the target transaction from the blockchain, wherein the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
step S403, determining whether to transfer the transaction funds in the supervising account established by the clearing institution for the two-clearing platform system to the corresponding account of the merchant based on the one-hand transaction information of the target transaction.
Specifically, after receiving transfer message information of a merchant transfer corresponding to a project label transaction sent by a two-definition target system, acquiring hand transaction information corresponding to the target transaction from a blockchain, determining whether the target transaction actually occurs or not based on the hand transaction information, and determining whether to transfer the transfer to the merchant according to a confirmation result. Specifically, when the target transaction is confirmed to be actually occurring, corresponding funds of the supervision account of the two-clear platform system are transferred to the corresponding account of the merchant.
The embodiment of the application provides a payment method based on a blockchain, which is based on transaction related information of target transactions intercepted by a forward proxy server and a reverse proxy server, and is used for verifying target transaction hand transaction information stored on the blockchain, so that the authenticity of the target transaction hand information stored on the blockchain is ensured, and a clearing structure can acquire real target transaction hand information through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
Example III
Fig. 5 is a block chain-based payment device applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and a two-definition target system, and the device 50 comprises: a first receiving module 501, a verification module 502, a first sending module 503, and a second sending module 504, wherein,
a first receiving module 501, configured to receive first payment packet information of a target transaction sent by a user and forwarded by a reverse proxy server;
the verification module 502 is configured to perform a verification operation based on the first payment packet information of the target transaction;
the first sending module 503 is configured to send, if the verification result information is verification success, second payment packet information of the target transaction to the payment channel platform through the forward proxy server, and receive first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server, where the second payment packet of the target transaction is used to request the payment channel platform to transfer accounts to a supervisory account set up by the clearing institution for the two-clear target system;
the second sending module 504 is configured to send, if the first payment result information is that the payment is successful, transfer message information of the merchant transfer corresponding to the target transaction to a clearing mechanism, where the clearing mechanism is configured to determine whether to transfer the transfer to the merchant based on the first hand transaction information of the target transaction obtained from the blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server with the first payment result information.
The embodiment of the application provides a payment device based on a blockchain, which is used for verifying the transaction information of a target transaction hand stored on the blockchain based on transaction related information of the target transaction intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the transaction information of the target transaction hand stored on the blockchain is ensured, and a clearing structure can acquire the real transaction information of the target transaction hand through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The blockchain-based payment device of the present embodiment may execute a blockchain-based payment method provided in the first embodiment of the present application, and the implementation principle is similar, and will not be described herein.
The embodiment of the application provides a possible implementation manner, and the two-definition platform further comprises a front-end module and a safety module; the device comprises:
a decryption module (not shown in the figure) for decrypting the first payment message information of the target transaction by the asymmetric encryption technology and/or decrypting the first payment result information by the asymmetric encryption technology to obtain a first payment message of the target transaction and/or a first payment result information plaintext of the target transaction;
and a third sending module (not shown in the figure) for sending the first payment message of the target transaction and/or the first payment result information plaintext of the target transaction to the front module, wherein the front module is used for checking the first payment message of the target transaction based on the first payment message Wen Mingwen of the target transaction, the public key of the two-clear target system acquired from the security module, and storing the first payment message of the target transaction to the corresponding block of the blockchain when the checking result is passed, and/or the front module is used for checking the first transaction result information plaintext of the target transaction based on the first payment result information plaintext of the target transaction, the public key of the two-clear target system acquired from the security module, and storing the first transaction result information plaintext of the target transaction to the corresponding block of the blockchain or the corresponding block of the desensitized processing result information of the target transaction when the checking result is passed.
For the embodiment of the application, the authenticity of the information stored on the blockchain is ensured by checking the plaintext of the first transaction result information and/or the first payment message of the target transaction through the asymmetric encryption technology.
The embodiment of the application provides a possible implementation manner, and the two-definition platform further comprises a front-end module and a safety module; the device comprises:
and a fourth sending module (not shown in the figure) for sending the second payment message of the target transaction to the front-end module, wherein the front-end module is used for checking the second payment message of the target transaction based on the second payment message Wen Mingwen of the target transaction, the second payment message information of the target transaction forwarded to the front-end module intercepted by the forward proxy server, and the public key of the payment channel platform acquired from the security module, and storing the second payment message of the target transaction to the corresponding block of the blockchain when the checking result is passed.
For the embodiment of the application, the second payment message of the target transaction is verified through the asymmetric encryption technology, so that the authenticity of the information stored on the blockchain is ensured.
Example IV
Another blockchain-based payment device is provided for use in a clearing house, as shown in fig. 6, the device 60 comprising:
The second receiving module 601 is configured to receive transfer message information sent by the two-definition target system and transferred to a merchant corresponding to a target transaction;
the acquiring module 602 is configured to acquire, from the blockchain, hand transaction information of a target transaction, where the hand transaction information of the target transaction is obtained by checking, based on the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
a determining module 603 is configured to determine, based on the hand transaction information of the target transaction, whether to transfer the transaction funds in the clearing house establishing the supervising account for the two-clearing platform system to the corresponding account of the merchant.
The embodiment of the application provides a payment device based on a blockchain, which is used for verifying the transaction information of a target transaction hand stored on the blockchain based on transaction related information of the target transaction intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the transaction information of the target transaction hand stored on the blockchain is ensured, and a clearing structure can acquire the real transaction information of the target transaction hand through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The payment device based on blockchain in the present embodiment may execute a payment method based on blockchain provided in the second embodiment of the present application, and the implementation principle is similar, and will not be described herein.
Example five
An embodiment of the present application provides an electronic device, as shown in fig. 7, an electronic device 70 shown in fig. 7 includes: a processor 7001 and a memory 7003. The processor 7001 is connected to a memory 7003, for example, via a bus 7002. Further, the electronic device 70 may also include a transceiver 7004. It should be noted that, in practical applications, the transceiver 7004 is not limited to one, and the structure of the electronic device 70 is not limited to the embodiment of the present application. The processor 7001 is applied to the embodiment of the present application, and is configured to implement the functions of the first receiving module 501, the verification module 502, the first sending module 503, and the second sending module 504 shown in fig. 5. The transceiver 7004 includes a receiver and a transmitter.
The processor 7001 may be a CPU, general purpose processor, DSP, ASIC, FPGA or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various exemplary logic blocks, modules, and circuits described in connection with this disclosure. The processor 7001 may also be a combination implementing a computing function, e.g. comprising one or more microprocessors, a combination of a DSP and a microprocessor, etc.
Bus 7002 may include a path to transfer information between the aforementioned components. Bus 7002 may be a PCI bus or an EISA bus, or the like. The bus 7002 may be classified into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in fig. 7, but not only one bus or one type of bus.
The memory 7003 may be a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, but is not limited to EEPROM, CD-ROM or other optical disk storage, optical disk storage (including compact disks, laser disks, optical disks, digital versatile disks, blu-ray disks, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.
The memory 7003 is used for storing application program codes for executing the present application and is controlled to be executed by the processor 7001. Processor 7001 is used to execute application code stored in memory 7003 to implement the functions of the blockchain-based payment device provided by the embodiment shown in fig. 5.
The embodiment of the application provides electronic equipment, which is used for verifying the target transaction hand transaction information stored on a blockchain based on transaction related information of target transactions intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the target transaction hand information stored on the blockchain is ensured, and a clearing structure can acquire the real target transaction hand information through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The embodiment of the application provides an electronic device and a corresponding method applicable to the embodiment. And will not be described in detail herein.
Example six
An embodiment of the present application provides an electronic device, as shown in fig. 8, an electronic device 80 shown in fig. 8 includes: a processor 8001, and a memory 8003. Processor 8001 is coupled to memory 8003, such as via bus 8002. Further, the electronic device 80 may also include a transceiver 8004. It should be noted that, in practical applications, the transceiver 8004 is not limited to one, and the structure of the electronic device 80 is not limited to the embodiment of the present application. The processor 8001 is applied to the embodiment of the present application, and is configured to implement the functions of the second receiving module 601, the obtaining module 602, and the determining module 603 shown in fig. 6. The transceiver 8004 includes a receiver and a transmitter.
The processor 8001 may be a CPU, general purpose processor, DSP, ASIC, FPGA or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various exemplary logic blocks, modules, and circuits described in connection with this disclosure. The processor 8001 may also be a combination that implements computing functionality, e.g., comprising one or more microprocessor combinations, a combination of DSP and microprocessor, etc.
Bus 8002 may include a path to transfer information between the components. Bus 8002 may be a PCI bus or an EISA bus, etc. Bus 8002 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in fig. 8, but not only one bus or one type of bus.
Memory 8003 may be, but is not limited to, a ROM or other type of static storage device that can store static information and instructions, a RAM or other type of dynamic storage device that can store information and instructions, an EEPROM, CD-ROM or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer.
The memory 8003 is used to store application code for executing the present application and is controlled by the processor 8001 to execute. Processor 8001 is used to execute application code stored in memory 8003 to implement the functionality of the blockchain-based payment device provided by the embodiment shown in fig. 6.
The embodiment of the application provides electronic equipment, which is used for verifying the target transaction hand transaction information stored on a blockchain based on transaction related information of target transactions intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the target transaction hand information stored on the blockchain is ensured, and a clearing structure can acquire the real target transaction hand information through the blockchain, thereby solving the problem of information 'two clearing'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The embodiment of the application provides a method for applying electronic equipment to the second embodiment. And will not be described in detail herein.
Example seven
An embodiment of the present application provides a computer readable storage medium having a computer program stored thereon, which when executed by a processor, implements the method shown in the first embodiment.
The embodiment of the application provides a computer readable storage medium, which is used for verifying the transaction information of the target transaction hand stored on a blockchain based on the transaction related information of the target transaction intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the transaction information of the target transaction hand stored on the blockchain is ensured, and a clearing structure can acquire the real transaction information of the target transaction hand through the blockchain, thereby solving the problem of information 'two clear'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The embodiment of the present application provides a computer readable storage medium suitable for the method shown in the first embodiment, and will not be described herein.
Example eight
The present embodiment provides a computer readable storage medium having a computer program stored thereon, which when executed by a processor, implements the method shown in the second embodiment.
The embodiment of the application provides a computer readable storage medium, which is used for verifying the transaction information of the target transaction hand stored on a blockchain based on the transaction related information of the target transaction intercepted by a forward proxy server and a reverse proxy server, so that the authenticity of the transaction information of the target transaction hand stored on the blockchain is ensured, and a clearing structure can acquire the real transaction information of the target transaction hand through the blockchain, thereby solving the problem of information 'two clear'; in addition, the transaction amount of the target transaction between the user and the merchant is transferred to a supervision account established by the clearing mechanism for the two-clearing platform mechanism by the payment channel platform, then the clearing mechanism transfers the transaction amount of the target transaction from the supervision account to the corresponding account of the merchant, and the past funds of the two-clearing platform mechanism are all completed by the supervision account, so that the supervision of the funds is ensured, and the problem of 'two-clearing' of the funds is solved; furthermore, the clearing mechanism can clear funds in real time according to the target transaction hand information acquired from the blockchain, and the clearing of the funds does not need to wait for a longer time, so that the time required for clearing the funds is reduced.
The embodiment of the present application provides a computer readable storage medium suitable for the method shown in the second embodiment, and will not be described herein.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the flowcharts of the figures may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order of their execution not necessarily being sequential, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.
The foregoing is only a partial embodiment of the present application and it should be noted that, for a person skilled in the art, several improvements and modifications can be made without departing from the principle of the present application, and these improvements and modifications should also be considered as the protection scope of the present application.

Claims (9)

1. The block chain-based payment method is characterized by being applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and a two-definition target system; the payment method comprises the following steps:
receiving first payment message information of a target transaction sent by a user and forwarded by the reverse proxy server;
performing verification operation based on the first payment message information of the target transaction;
if the verification result information is successful in verification, sending second payment message information of the target transaction to a payment channel platform through the forward proxy server, and receiving first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer accounts to a clearing mechanism for supervision established by the two-clear target system;
if the first payment result information is successful in payment, transmitting transfer message information transferred to a merchant corresponding to the target transaction to a clearing mechanism, wherein the clearing mechanism is used for determining whether to transfer the transfer to the merchant based on the first hand transaction information of the target transaction acquired from a blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
The clearing mechanism for determining whether to transfer to the merchant based on hand transaction information of the target transaction obtained from a blockchain, comprising:
after receiving transfer message information for transferring to a merchant corresponding to a target transaction, the clearing mechanism acquires hand transaction information corresponding to the target transaction from the blockchain, verifies whether the target transaction actually occurs, transfers to a corresponding account of the merchant if the target transaction actually occurs, and feeds back transfer result information for transferring to the merchant to the two-clear platform system; if the target transaction does not really occur, not transferring accounts to the merchant, and feeding back account transfer result information to the two-clear platform system;
the secondary cleaning platform also comprises a front-end module and a safety module; the method comprises the following steps:
decrypting the first payment message information of the target transaction through an asymmetric encryption technology and/or decrypting the first payment result information through an asymmetric encryption technology to obtain a first payment message of the target transaction and/or obtaining a first payment result information plaintext of the target transaction;
the first payment message of the target transaction and/or the first payment result information plaintext of the target transaction are/is sent to the front-end module;
The front-end module is configured to verify the first payment message plaintext of the target transaction based on the first payment message plaintext of the target transaction, the first payment message information of the target transaction intercepted and forwarded to the front-end module by the reverse proxy server, a public key of a two-clear target system acquired from the security module, and store the first payment message plaintext of the target transaction to a corresponding block of a blockchain when the verification result is passed, and/or store the first transaction result information plaintext of the target transaction to a corresponding block of a blockchain or store the first transaction result information of the target transaction to a corresponding block of a desensitized block after the verification result is passed, based on the first payment result information plaintext of the target transaction, the first payment result information of the target transaction intercepted and forwarded to the front-end module by the forward proxy server, and the public key of the two-clear target system acquired from the security module;
the front-end module encrypts a first payment message of a target transaction sent by the two-definition target system through a public key of the two-definition target system acquired from the security module to obtain an encrypted first payment message Wen Mingwen, then compares the encrypted first payment message Wen Mingwen with first payment message information of the target transaction intercepted and forwarded to the front-end module by the reverse proxy server, and if the two messages are consistent, the first payment message of the target transaction is true.
2. The method of claim 1, wherein the two-stage further comprises a pre-module and a security module; the method comprises the following steps:
sending a second payment message of the target transaction to the front-end module;
the front-end module is configured to check the second payment message of the target transaction based on the second payment message Wen Mingwen of the target transaction, the second payment message information of the target transaction intercepted and forwarded to the front-end module by the forward proxy server, and the public key of the payment channel platform acquired from the security module, and store the second payment message of the target transaction to a corresponding block of the blockchain when the check result is passed.
3. The method of claim 1, further comprising applying to a clearing house, comprising:
receiving transfer message information which is sent by a second-definition target system and transferred to a merchant corresponding to target transaction;
acquiring hand transaction information of the target transaction from a blockchain, wherein the hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
Determining whether to transfer transaction funds in a supervisory account established by a clearing institution for the two-clearing platform system to a corresponding account of a merchant based on the one-hand transaction information of the target transaction.
4. The block chain-based payment device is characterized by being applied to a two-definition target system of a two-definition platform, wherein the two-definition platform comprises a reverse proxy server, a forward proxy server and a two-definition target system; the device comprises:
the first receiving module is used for receiving first payment message information of the target transaction sent by the user and forwarded by the reverse proxy server;
the verification module is used for performing verification operation based on the first payment message information of the target transaction;
the first sending module is used for sending second payment message information of the target transaction to a payment channel platform through the forward proxy server and receiving first payment result information of the target transaction fed back by the payment channel platform through the forward proxy server if the verification result information is successful, wherein the second payment message of the target transaction is used for requesting the payment channel platform to transfer to a supervision account set up by a clearing mechanism for the two-clear target system;
The second sending module is used for sending transfer message information of transferring to a merchant corresponding to the target transaction to a clearing mechanism if the first payment result information is successful in payment, wherein the clearing mechanism is used for determining whether to transfer to the merchant based on the first hand transaction information of the target transaction acquired from a blockchain, and the first hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
the secondary cleaning platform also comprises a front-end module and a safety module;
decrypting the first payment message information of the target transaction through an asymmetric encryption technology and/or decrypting the first payment result information through an asymmetric encryption technology to obtain a first payment message of the target transaction and/or obtaining a first payment result information plaintext of the target transaction;
the first payment message of the target transaction and/or the first payment result information plaintext of the target transaction are/is sent to the front-end module;
The front-end module is configured to verify the first payment message plaintext of the target transaction based on the first payment message plaintext of the target transaction, the first payment message information of the target transaction intercepted and forwarded to the front-end module by the reverse proxy server, a public key of a two-clear target system acquired from the security module, and store the first payment message plaintext of the target transaction to a corresponding block of a blockchain when the verification result is passed, and/or store the first transaction result information plaintext of the target transaction to a corresponding block of a blockchain or store the first transaction result information of the target transaction to a corresponding block of a desensitized block after the verification result is passed, based on the first payment result information plaintext of the target transaction, the first payment result information of the target transaction intercepted and forwarded to the front-end module by the forward proxy server, and the public key of the two-clear target system acquired from the security module;
the front-end module encrypts a first payment message of a target transaction sent by the two-definition target system through a public key of the two-definition target system acquired from the security module to obtain an encrypted first payment message Wen Mingwen, then compares the encrypted first payment message Wen Mingwen with first payment message information of the target transaction intercepted and forwarded to the front-end module by the reverse proxy server, and if the two messages are consistent, the first payment message of the target transaction is true.
5. The apparatus of claim 4, further comprising a device for use in a clearing house, comprising:
the second receiving module is used for receiving transfer message information which is sent by the two-definition target system and transferred to a merchant corresponding to the target transaction;
the acquisition module is used for acquiring the hand transaction information of the target transaction from a blockchain, wherein the hand transaction information of the target transaction is obtained by checking the first payment message information intercepted and forwarded by the reverse proxy server and the second payment message information intercepted and forwarded by the forward proxy server and the first payment result information;
the determining module is used for determining whether to transfer transaction funds in a supervision account established by a clearing institution for the two-clearing platform system to a corresponding account of a merchant or not based on the one-hand transaction information of the target transaction; the clearing mechanism for determining whether to transfer to the merchant based on hand transaction information of the target transaction obtained from a blockchain, comprising:
after receiving transfer message information for transferring to a merchant corresponding to a target transaction, the clearing mechanism acquires hand transaction information corresponding to the target transaction from the blockchain, verifies whether the target transaction actually occurs, transfers to a corresponding account of the merchant if the target transaction actually occurs, and feeds back transfer result information for transferring to the merchant to the two-clear platform system; if the target transaction does not actually occur, no account is transferred to the merchant, and account transfer result information is fed back to the two-clear platform system.
6. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more applications configured to: performing the blockchain-based payment method of any of claims 1-2.
7. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more applications configured to: a blockchain-based payment method of claim 3 is performed.
8. A computer readable storage medium for storing computer instructions which, when run on a computer, cause the computer to perform the blockchain-based payment method of any of the preceding claims 1 to 2.
9. A computer readable storage medium storing computer instructions which, when run on a computer, cause the computer to perform the blockchain-based payment method of claim 3.
CN201910542459.7A 2019-06-21 2019-06-21 Payment method and device based on block chain and electronic equipment Active CN110348836B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910542459.7A CN110348836B (en) 2019-06-21 2019-06-21 Payment method and device based on block chain and electronic equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910542459.7A CN110348836B (en) 2019-06-21 2019-06-21 Payment method and device based on block chain and electronic equipment

Publications (2)

Publication Number Publication Date
CN110348836A CN110348836A (en) 2019-10-18
CN110348836B true CN110348836B (en) 2023-07-21

Family

ID=68182725

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201910542459.7A Active CN110348836B (en) 2019-06-21 2019-06-21 Payment method and device based on block chain and electronic equipment

Country Status (1)

Country Link
CN (1) CN110348836B (en)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110807689A (en) * 2019-10-30 2020-02-18 中国工商银行股份有限公司 Processing method, system thereof, electronic device, and medium
CN113065865A (en) * 2020-07-31 2021-07-02 开鑫金服(南京)信息服务有限公司 Abnormal transaction identification method and system
CN112330316A (en) * 2020-11-23 2021-02-05 上海盛付通电子支付服务有限公司 Payment service processing method and device and machine-readable storage medium

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105956923A (en) * 2016-04-20 2016-09-21 上海如鸽投资有限公司 Asset transaction platform and digital certification and transaction method for assets
CN107358417A (en) * 2017-06-23 2017-11-17 现在（北京）支付股份有限公司 The method of payment supervised based on block chain technology
CN107767134A (en) * 2017-01-22 2018-03-06 平安医疗健康管理股份有限公司 Medical care cost method and system based on block chain
CN108764909A (en) * 2018-06-01 2018-11-06 杭州复杂美科技有限公司 A kind of block chain data monitoring and managing method
CN108833095A (en) * 2018-06-25 2018-11-16 北京奇虎科技有限公司 Behavior verification method, node, system and electronic equipment in block chain
CN108964926A (en) * 2018-08-28 2018-12-07 成都信息工程大学 User trust negotiation establishing method based on two-layer block chain in heterogeneous alliance system
CN108985773A (en) * 2018-07-13 2018-12-11 江苏恒宝智能系统技术有限公司 A kind of payment accounts method for secure transactions and system based on block chain
CN109690599A (en) * 2017-09-18 2019-04-26 腾讯科技（深圳）有限公司 Method, node, device and the storage medium of resource transaction

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107392769B (en) * 2017-08-04 2021-12-10 苏州缓流科技有限公司 Block chain technology-based collection and payment method
CN107491948B (en) * 2017-08-04 2021-12-10 苏州缓流科技有限公司 Transfer payment method based on block chain technology
CN108320142A (en) * 2017-12-29 2018-07-24 中国银联股份有限公司 Fund clearing supervisory systems and its data processing method
CN109242450A (en) * 2018-09-21 2019-01-18 北京京东尚科信息技术有限公司 Block catenary system and based on block catenary system realize method of commerce and transaction system
CN109741169A (en) * 2018-12-14 2019-05-10 深圳壹账通智能科技有限公司 Liquidation method, system, computer equipment based on distributed account book
CN109785096A (en) * 2018-12-21 2019-05-21 中信百信银行股份有限公司 Based on block chain and event driven two clear question processing methods

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105956923A (en) * 2016-04-20 2016-09-21 上海如鸽投资有限公司 Asset transaction platform and digital certification and transaction method for assets
CN107767134A (en) * 2017-01-22 2018-03-06 平安医疗健康管理股份有限公司 Medical care cost method and system based on block chain
CN107358417A (en) * 2017-06-23 2017-11-17 现在（北京）支付股份有限公司 The method of payment supervised based on block chain technology
CN109690599A (en) * 2017-09-18 2019-04-26 腾讯科技（深圳）有限公司 Method, node, device and the storage medium of resource transaction
CN108764909A (en) * 2018-06-01 2018-11-06 杭州复杂美科技有限公司 A kind of block chain data monitoring and managing method
CN108833095A (en) * 2018-06-25 2018-11-16 北京奇虎科技有限公司 Behavior verification method, node, system and electronic equipment in block chain
CN108985773A (en) * 2018-07-13 2018-12-11 江苏恒宝智能系统技术有限公司 A kind of payment accounts method for secure transactions and system based on block chain
CN108964926A (en) * 2018-08-28 2018-12-07 成都信息工程大学 User trust negotiation establishing method based on two-layer block chain in heterogeneous alliance system

Also Published As

Publication number Publication date
CN110348836A (en) 2019-10-18

Similar Documents

Publication Publication Date Title
EP0995177B1 (en) Symmetrically-secured electronic communication system
US6076078A (en) Anonymous certified delivery
AU2010295188B2 (en) Asset storage and transfer system for electronic purses
WO2016175914A2 (en) Transaction signing utilizing asymmetric cryptography
CN110348836B (en) Payment method and device based on block chain and electronic equipment
EP1984890A2 (en) A point-of-sale terminal transaction using mutating identifiers
CN101236629A (en) On-line payment system and payment procedure
CN105809417A (en) Safe reliable real-time electronic payment settlement merchant terminal, user terminal, bank front-end system, system, and method
AU2011235531B2 (en) Message storage and transfer system
AU2023201327B2 (en) Techniques for secure channel communications
EP3788535B1 (en) Techniques for performing secure operations
CN112513904B (en) Digital asset transaction control method, device, terminal equipment and storage medium
WO2021263032A1 (en) Digital currency aggregation processing
EP4278316A1 (en) Token-based off-chain interaction authorization
CN112150281B (en) Digital currency transaction method, device and system
CN105160531A (en) Transaction data information processing method and apparatus
CN113628050A (en) Digital RMB delivery method, system, program product and storage medium
JP3401198B2 (en) Method of exchanging symbols of different types of electronic value and program recording medium
CN113475037A (en) Implementing fair electronic switching using virtual blockchain protocol
CN116561739B (en) Data transaction method and device, electronic equipment and storage medium
CN107633392B (en) Device refund interactive authentication method and system
CA2295603C (en) Symmetrically-secured electronic communication system
CN113793149A (en) Off-line transaction authentication system and method, central server and client
KR20150136956A (en) Method and apparatus for check before trading for providing electronic payment and banking service using multi-key
WO2017012065A1 (en) Online transaction method, device and system

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant