CN111127006A - Transaction processing method and system based on block chain - Google Patents
Transaction processing method and system based on block chain Download PDFInfo
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Abstract
The invention discloses a transaction processing method and system based on a block chain, and relates to the technical field of transaction processing. One embodiment of the method comprises: the acquirer generates a first hash value of the signature according to the transaction request information and the first state information, and broadcasts the first hash value to the block chain; the issuer generates a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasts the signed second hash value to the block chain; the acquirer performs clearing according to the authorization information and the transaction request information to obtain first clearing information, generates a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasts the signed third hash value to the block chain; and the issuer performs clearing according to the first clearing information and the transaction request information to obtain second clearing information, generates a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasts the signed fourth hash value to the block chain. This embodiment ensures the security of the information.
Description
Technical Field
The invention relates to the technical field of transaction processing, in particular to a transaction processing method and system based on a block chain.
Background
Existing transaction processing procedures include: the acquirer acquires the transaction request information and clears the transaction after determining that the issuer authorizes the transaction. In addition, the issuer also clears the transaction.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
various information formed as a result of the transaction process is recorded unilaterally. For example, the only information formed by the acquirer liquidation is the acquirer record. Thus, the security of the information is not high.
Disclosure of Invention
In view of this, embodiments of the present invention provide a transaction processing method and system based on a block chain, which can improve information security.
To achieve the above object, according to a first aspect of embodiments of the present invention, a method for processing transactions based on a blockchain is provided.
The transaction processing method based on the block chain comprises the following steps:
the acquirer server generates a first signed hash value according to the transaction request information and the first state information, and broadcasts the first signed hash value to the block chain; sending the transaction request information to an issuer server;
if the card issuer server generates authorization information according to the transaction request information, generating a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server;
the acquirer server performs clearing according to the authorization information and the transaction request information to obtain first clearing information, generates a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasts the signed third hash value to the block chain; sending the first clearing information to the card issuer server;
and the issuer server performs clearing according to the first clearing information and the transaction request information to obtain second clearing information, generates a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasts the signed fourth hash value to the block chain.
In one embodiment, after the issuer server generates a signed fourth hash value from the second clearing information, fourth status information, and signed third hash value and broadcasts to the blockchain, the method includes:
the card organization server acquires the first clearing information, the second clearing information and a fourth hash value of the signature;
the card organization server verifies the first clearing information and the second clearing information;
after the card organization server passes the verification, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value;
the card organization server broadcasts a fourth hash value, which is signed again, to the blockchain.
In one embodiment, if the issuer server generates the authorization information according to the transaction request information, the method includes:
and the card issuing bank server judges whether the transaction request information accords with a preset transaction rule, and if so, authorization information is generated according to the transaction request information.
In one embodiment, the acquirer server generating the signed first hash value based on the transaction request information and the first state information, including:
the acquirer server acquires the transaction request information;
the acquiring bank server carries out hash operation on the transaction request information and the first state information to obtain a first hash value;
and the acquirer server signs the first hash value by using an acquirer key to obtain a signed first hash value.
In one embodiment, the first status information includes request status information, the second status information includes authorization status information, the third status information includes acquirer clearing status information, and the fourth status information includes issuer clearing status information.
To achieve the above object, according to a second aspect of the embodiments of the present invention, a transaction processing system based on a blockchain is provided.
The transaction processing system based on the block chain comprises an acquirer server and an issuer server;
the acquirer server includes:
the first processing unit is used for generating a first signed hash value according to the transaction request information and the first state information and broadcasting the first signed hash value to the block chain; sending the transaction request information to an issuer server;
the first clearing unit is used for clearing according to the authorization information and the transaction request information to obtain first clearing information, generating a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasting the signed third hash value to the block chain; sending the first clearing information to the card issuer server;
the card issuer server includes:
the second processing unit is used for generating a signed second hash value according to the authorization information, the second state information and the signed first hash value if the authorization information is generated according to the transaction request information, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server;
and the second clearing unit is used for clearing the server according to the first clearing information and the transaction request information to obtain second clearing information, generating a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasting the signed fourth hash value to the block chain.
In one embodiment, the system further comprises:
the card organization server is used for acquiring the first clearing information, the second clearing information and the signed fourth hash value after the second clearing unit generates the signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value and broadcasts the signed fourth hash value to the block chain; verifying the first clearing information and the second clearing information; after the verification is passed, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value; broadcasting a further signed fourth hash value to the blockchain.
In one embodiment, the second processing unit is configured to:
and judging whether the transaction request information accords with a preset transaction rule, if so, generating authorization information according to the transaction request information.
In one embodiment, the first processing unit is to:
acquiring the transaction request information;
performing hash operation on the transaction request information and the first state information to obtain a first hash value;
and signing the first hash value by using an acquiring line key to obtain a signed first hash value.
In one embodiment, the first status information includes request status information, the second status information includes authorization status information, the third status information includes acquirer clearing status information, and the fourth status information includes issuer clearing status information.
To achieve the above object, according to a third aspect of the embodiments of the present invention, there is provided an electronic apparatus.
An electronic device of an embodiment of the present invention includes: one or more processors; a storage device, configured to store one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the following method provided by the embodiment of the present invention: generating a first hash value of the signature according to the transaction request information and the first state information, and broadcasting the first hash value to the block chain; sending the transaction request information to an issuer server; clearing according to the authorization information and the transaction request information to obtain first clearing information, generating a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasting the signed third hash value to the block chain; and sending the first clearing information to the card issuer server.
To achieve the above object, according to a fourth aspect of the embodiments of the present invention, there is provided an electronic apparatus.
An electronic device of an embodiment of the present invention includes: one or more processors; a storage device, configured to store one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the following method provided by the embodiment of the present invention: if authorization information is generated according to the transaction request information, generating a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server; and clearing according to the first clearing information and the transaction request information to obtain second clearing information, generating a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasting to the block chain.
To achieve the above object, according to a fifth aspect of embodiments of the present invention, there is provided a computer-readable medium.
A computer-readable medium of an embodiment of the present invention has a computer program stored thereon, and when the program is executed by a processor, the program implements the following method provided by an embodiment of the present invention: generating a first hash value of the signature according to the transaction request information and the first state information, and broadcasting the first hash value to the block chain; sending the transaction request information to an issuer server; clearing according to the authorization information and the transaction request information to obtain first clearing information, generating a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasting the signed third hash value to the block chain; and sending the first clearing information to the card issuer server.
To achieve the above object, according to a sixth aspect of embodiments of the present invention, there is provided a computer-readable medium.
A computer-readable medium of an embodiment of the present invention has a computer program stored thereon, and when the program is executed by a processor, the program implements the following method provided by an embodiment of the present invention: if authorization information is generated according to the transaction request information, generating a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server; and clearing according to the first clearing information and the transaction request information to obtain second clearing information, generating a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasting to the block chain.
One embodiment of the above invention has the following advantages or benefits: information formed in the transaction process, such as transaction request information, first state information, authorization information, second state information, first clearing information, third state information, second clearing information and fourth state information, is recorded in the blockchain in a hash value mode, and the unchangeable characteristic of the blockchain record is utilized, so that the information safety is improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a blockchain-based transaction processing method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of signaling interaction of a blockchain-based transaction processing method according to another embodiment of the present invention;
FIG. 3 is a schematic diagram of the major components of a blockchain based transaction processing system according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
In order to solve the problems in the prior art, an embodiment of the present invention provides a transaction processing method based on a blockchain, as shown in fig. 1, the method includes:
step S101, the acquirer server generates a first hash value of a signature according to the transaction request information and the first state information, and broadcasts the first hash value to a block chain; and sending the transaction request information to an issuer server.
In this step, when embodied, the acquirer server sends the transaction request information to the issuer server through the link. Specifically, the acquirer server sends the transaction request information to the card issuer server through a mailbox. In addition, the acquirer server broadcasts the signed first hash value to the blockchain.
Step S102, if the card issuer server generates authorization information according to the transaction request information, generating a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasting the signed second hash value to the block chain; and sending the authorization information to the acquirer server.
In this step, when implemented specifically, the issuer server sends the authorization information to the acquirer server through the link.
The card issuer server performs hash operation on the authorization information, the second state information and the signed first hash value to obtain a second hash value; and signing the second hash value by using the issuer key to obtain a signed second hash value.
The issuer server broadcasts the signed second hash value to the blockchain.
Step S103, the acquirer server performs clearing according to the authorization information and the transaction request information to obtain first clearing information, generates a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasts the signed third hash value to the block chain; and sending the first clearing information to the card issuer server.
In this step, when embodied, the acquirer server sends the first clearing information to the issuer server through a link.
The acquiring bank server carries out hash operation on the first clearing information, the third state and the signed second hash value to obtain a third hash value; and signing the third hash value by using the acquiring line key to obtain a signed third hash value.
Additionally, the acquirer server broadcasts the signed third hash value to the blockchain.
And step S104, the card issuer server performs clearing according to the first clearing information and the transaction request information to obtain second clearing information, generates a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasts the signed fourth hash value to the block chain.
In the step, when the implementation is specific, the card issuer server performs hash operation on the second clearing information, the fourth state information and the signed third hash value to obtain a fourth hash value; and signing the fourth hash value by using the issuer key to obtain a signed fourth hash value. In addition, the issuer server broadcasts the signed fourth hash value to the blockchain.
It should be understood that the issuer key and the acquirer key have uniqueness.
In the embodiment, information formed in the transaction process, such as transaction request information, first state information, authorization information, second state information, first clearing information, third state information, second clearing information and fourth state information, is recorded in the blockchain in a hash value mode, and the unchangeable characteristic is recorded by the blockchain, so that the safety of the information is improved.
In the embodiment of the present invention, if the issuer server generates the authorization information according to the transaction request information, the method includes:
and the card issuing bank server judges whether the transaction request information accords with a preset transaction rule, and if so, authorization information is generated according to the transaction request information.
In this embodiment, in specific implementation, the transaction request information includes a transaction identifier, a bank card number, and a transaction request amount of a user to which the bank card number belongs; the preset transaction rule comprises that the transaction request amount of a user to which the bank card number belongs is less than or equal to the balance in the bank card number. For example, the card issuing bank server performs inquiry according to the bank card number in the transaction request information to obtain the balance in the bank card number, and if the balance in the bank card number is larger than the transaction request amount of the user to which the bank card number in the transaction request information belongs, authorization information is generated according to the transaction request information. The authorization information includes: the identification of the transaction, the transaction request amount of the user to which the bank card number belongs and the authorization sheet of the card issuer. In addition, the authorization ticket of the issuer includes the official seal of the issuer.
In an embodiment of the present invention, the generating, by the acquirer server, the signed first hash value according to the transaction request information and the first state information includes:
the acquirer server acquires the transaction request information;
the acquiring bank server carries out hash operation on the transaction request information and the first state information to obtain a first hash value;
and the acquirer server signs the first hash value by using an acquirer key to obtain a signed first hash value.
In this embodiment, the acquirer server may obtain the transaction request information from the acquirer's automated teller machine or the acquirer's set-up terminal, which may be a desktop or notebook.
In this embodiment of the present invention, the first status information includes request status information, the second status information includes authorization status information, the third status information includes acquirer clearing status information, and the fourth status information includes issuer clearing status information.
It should be noted that for a transaction, the status is limited from request to clearing. Of course, if the issuer server determines that the transaction request information does not conform to the preset transaction rule, the authorization information cannot be generated, and therefore, the fifth status information may also be set at this time, and the fifth status information includes unauthorized information. The card issuing server returns the unauthorized information to the acquiring bank server, and the acquiring bank server carries out corresponding processing. For example, the acquirer denies the transaction request of the user (the user refers to the user to which the bank card number in the transaction request information belongs).
In addition, since each change of the transaction is recorded in a state, the security of the information is further improved.
In order to solve the problems in the prior art, another embodiment of the present invention provides a transaction processing method based on a blockchain, as shown in fig. 2, the method including:
step S201, the acquirer server obtains the transaction request information, generates a first hash value of the signature according to the transaction request information and the first state information, and broadcasts the first hash value to the block chain.
Step S202, the acquirer server sends the transaction request information to the issuer server.
Step S203, if the issuer server generates the authorization information according to the transaction request information, then generates a signed second hash value according to the authorization information, the second state information, and the signed first hash value, and broadcasts the signed second hash value to the blockchain.
In this step, the following describes, by way of a specific example, if the issuer server generates the authorization information according to the transaction request information:
the transaction request information includes: the transaction is identified as S, the card number of the issuer is A, the first withdrawal amount is $ 5, and the current day rate of dollars and dollars is 1/10.
The card issuing bank server inquires the balance in A according to A, calculates that the second withdrawal amount is 50 yuan (50 yuan is 5 dollars/(1/10)) according to the first withdrawal amount and the current day exchange rate, and generates authorization information according to the transaction request information if the balance in A (the unit of money of the balance in A is yuan) is larger than the second withdrawal amount, wherein the authorization information comprises the identification of the transaction S, the first withdrawal amount is 5 dollars and an authorization sheet of the card issuing bank.
And step S204, the card issuer server sends the authorization information to the acquirer server.
Step S205, the acquirer server performs clearing according to the authorization information and the transaction request information to obtain first clearing information, generates a signed third hash value according to the first clearing information, the third status information, and the signed second hash value, and broadcasts the signed third hash value to the block chain.
In this step, the acquirer server performs clearing according to the authorization information and the transaction request information to obtain the first clearing information, which is explained based on the above example: in the case where the identification of the transaction in the authorization information and the transaction request information, and the first withdrawal amount are the same, the acquirer server obtains first clearing information that includes the acquirer paying $ 5 to the user to whom a belongs.
And step S206, the acquirer server sends the first clearing information to the issuer server.
Step S207, the card issuer server performs clearing according to the first clearing information and the transaction request information to obtain second clearing information, generates a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasts the signed fourth hash value to the block chain.
In this step, the issuer server performs clearing according to the first clearing information and the transaction request information, and obtains second clearing information, as explained on the basis of the above example: where the first clearance information includes the acquirer paying $ 5 to the user to which A belongs, the second clearance information includes the issuer paying $ 5 to the acquirer.
Step S208, the card organization server acquires the first clearing information, the second clearing information and a fourth hash value of the signature; verifying the first clearing information and the second clearing information; after the verification is passed, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value; the signed fourth hash value is broadcast to the blockchain.
In this step, in implementation, the card organization server obtains the first clearing information from the acquirer server, obtains the second clearing information from the issuer server, obtains the authorization information from the issuer server, and obtains the signed fourth hash value from the blockchain. Specifically, whether the first clearing information and the second clearing information are matched with the authorization information is checked; if yes, the check is passed. In addition, the card organization key has uniqueness.
The verification of the first clearing information and the second clearing information is explained on the basis of the above-mentioned example: the first clearing information includes the order taker paying $ 5 to the user to whom a belongs. The second clearing information includes the issuer paying $ 5 to the acquirer. As can be seen from the first clearing information, the acquirer pays $ 5 to the user belonging to A for the issuer; as can be seen from the second clearing message, the issuer also clears the acquirer for $ 5 of the underlying payment. Thus, the first clearing information and the second clearing information are a match. And the authorization information includes the first withdrawal amount is $ 5 and the issuer's authorization ticket, so that the first clearing information and the second clearing information match the authorization information and the verification passes.
It should be noted that, in each transaction, the first clearing information and the second clearing information should be matched with the authorization information.
And the bank collects the transaction data and sends the transaction data to the bank, and the bank receives the transaction data and sends the transaction data to the bank.
The issuer, the issuing bank card, and the institution that maintains the account associated with the card and has an agreement with the cardholder in both respects.
Card organization, transaction participant, third party organization. The card organization, as a transfer mechanism for transactions, is responsible for authorizing and clearing transfers between issuers and acquirers, and earns commission fees paid by the acquirers and issuers.
In this embodiment, after the verification passes, the card organization signs the fourth hash value to obtain a signed fourth hash value, and broadcasts the signed fourth hash value to the blockchain, and further improves the security of information by using the characteristic that the record of the blockchain is not changeable.
The method provided by the embodiment of the invention can be applied to the cross-border transaction scene of the bank.
To solve the problems in the prior art, an embodiment of the present invention provides a transaction processing system based on a blockchain, as shown in fig. 3, the system includes an acquirer server 310 and an issuer server 320;
the acquirer server 310 includes:
a first processing unit 311, configured to generate a signed first hash value according to the transaction request information and the first state information, and broadcast the signed first hash value to the blockchain; sending the transaction request information to an issuer server;
the first clearing unit 312 is configured to perform clearing according to the authorization information and the transaction request information to obtain first clearing information, generate a signed third hash value according to the first clearing information, the third state information, and the signed second hash value, and broadcast the signed third hash value to the block chain; sending the first clearing information to the card issuer server;
the issuer server 320 includes:
a second processing unit 321, configured to generate a signed second hash value according to the authorization information, the second state information, and the signed first hash value if authorization information is generated according to the transaction request information, and broadcast the signed second hash value to the block chain; sending the authorization information to the acquirer server;
and the second clearing unit 322 is configured to clear, by the server, according to the first clearing information and the transaction request information to obtain second clearing information, generate a signed fourth hash value according to the second clearing information, the fourth state information, and the signed third hash value, and broadcast the signed fourth hash value to the block chain.
In an embodiment of the present invention, the system further includes:
the card organization server 330 is configured to obtain the first clearing information, the second clearing information, and the signed fourth hash value after the second clearing unit generates the signed fourth hash value according to the second clearing information, the fourth state information, and the signed third hash value and broadcasts the signed fourth hash value to the block chain; verifying the first clearing information and the second clearing information; after the verification is passed, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value; broadcasting a further signed fourth hash value to the blockchain.
In this embodiment of the present invention, the second processing unit 321 is configured to:
and judging whether the transaction request information accords with a preset transaction rule, if so, generating authorization information according to the transaction request information.
In this embodiment of the present invention, the first processing unit 311 is configured to:
acquiring the transaction request information;
performing hash operation on the transaction request information and the first state information to obtain a first hash value;
and signing the first hash value by using an acquiring line key to obtain a signed first hash value.
In this embodiment of the present invention, the first status information includes request status information, the second status information includes authorization status information, the third status information includes acquirer clearing status information, and the fourth status information includes issuer clearing status information.
It should be understood that the functions performed by the components of the blockchain-based transaction processing system provided in the embodiment of the present invention have been described in detail in the blockchain-based transaction processing method in the above embodiment, and are not described herein again.
Fig. 4 illustrates an exemplary system architecture 400 for an acquirer server.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a unit, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a first processing unit and a first clearing unit. Where the names of the units do not in some cases constitute a limitation on the units themselves, for example, the first processing unit may also be described as "generating a signed first hash value from the transaction request information and the first state information, and broadcasting to the blockchain; a unit that sends the transaction request information to an issuer server ".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: generating a first hash value of the signature according to the transaction request information and the first state information, and broadcasting the first hash value to the block chain; sending the transaction request information to an issuer server; clearing according to the authorization information and the transaction request information to obtain first clearing information, generating a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasting the signed third hash value to the block chain; and sending the first clearing information to the card issuer server.
It should be understood that the issuer server is the same as the acquirer server, and only the units included in the processor and the functions implemented are different, and thus the description thereof is omitted. In addition, the card organization server is the same as the acquiring bank server, and is only a unit included in the processor and different in the implemented functions, and the description thereof is omitted.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A transaction processing method based on a blockchain is characterized by comprising the following steps:
the acquirer server generates a first signed hash value according to the transaction request information and the first state information, and broadcasts the first signed hash value to the block chain; sending the transaction request information to an issuer server;
if the card issuer server generates authorization information according to the transaction request information, generating a signed second hash value according to the authorization information, the second state information and the signed first hash value, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server;
the acquirer server performs clearing according to the authorization information and the transaction request information to obtain first clearing information, generates a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasts the signed third hash value to the block chain; sending the first clearing information to the card issuer server;
and the issuer server performs clearing according to the first clearing information and the transaction request information to obtain second clearing information, generates a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasts the signed fourth hash value to the block chain.
2. The method of claim 1, wherein after the issuer server generates a signed fourth hash value based on the second clearing information, fourth status information, and the signed third hash value and broadcasts to the blockchain, comprising:
the card organization server acquires the first clearing information, the second clearing information and a fourth hash value of the signature;
the card organization server verifies the first clearing information and the second clearing information;
after the card organization server passes the verification, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value;
the card organization server broadcasts a fourth hash value, which is signed again, to the blockchain.
3. The method of claim 1, wherein the step of the issuer server generating authorization information according to the transaction request information comprises:
and the card issuing bank server judges whether the transaction request information accords with a preset transaction rule, and if so, authorization information is generated according to the transaction request information.
4. The method of claim 1, wherein generating the signed first hash value from the transaction request information and the first state information by the acquirer server comprises:
the acquirer server acquires the transaction request information;
the acquiring bank server carries out hash operation on the transaction request information and the first state information to obtain a first hash value;
and the acquirer server signs the first hash value by using an acquirer key to obtain a signed first hash value.
5. The method of claim 1, wherein the first status information comprises request status information, wherein the second status information comprises authorization status information, wherein the third status information comprises acquirer clearing status information, and wherein the fourth status information comprises issuer clearing status information.
6. A transaction processing system based on a blockchain is characterized by comprising an acquirer server and an issuer server;
the acquirer server includes:
the first processing unit is used for generating a first signed hash value according to the transaction request information and the first state information and broadcasting the first signed hash value to the block chain; sending the transaction request information to an issuer server;
the first clearing unit is used for clearing according to the authorization information and the transaction request information to obtain first clearing information, generating a signed third hash value according to the first clearing information, the third state information and the signed second hash value, and broadcasting the signed third hash value to the block chain; sending the first clearing information to the card issuer server;
the card issuer server includes:
the second processing unit is used for generating a signed second hash value according to the authorization information, the second state information and the signed first hash value if the authorization information is generated according to the transaction request information, and broadcasting the signed second hash value to the block chain; sending the authorization information to the acquirer server;
and the second clearing unit is used for clearing the server according to the first clearing information and the transaction request information to obtain second clearing information, generating a signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value, and broadcasting the signed fourth hash value to the block chain.
7. The system of claim 6, further comprising:
the card organization server is used for acquiring the first clearing information, the second clearing information and the signed fourth hash value after the second clearing unit generates the signed fourth hash value according to the second clearing information, the fourth state information and the signed third hash value and broadcasts the signed fourth hash value to the block chain; verifying the first clearing information and the second clearing information; after the verification is passed, signing the signed fourth hash value by using the card organization key to obtain a signed fourth hash value; broadcasting a further signed fourth hash value to the blockchain.
8. The system of claim 6, wherein the second processing unit is configured to:
and judging whether the transaction request information accords with a preset transaction rule, if so, generating authorization information according to the transaction request information.
9. The system of claim 6, wherein the first processing unit is configured to:
acquiring the transaction request information;
performing hash operation on the transaction request information and the first state information to obtain a first hash value;
and signing the first hash value by using an acquiring line key to obtain a signed first hash value.
10. The system of claim 6, wherein the first status information comprises request status information, wherein the second status information comprises authorization status information, wherein the third status information comprises acquirer clearing status information, and wherein the fourth status information comprises issuer clearing status information.
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