CN111461732A - Payment information verification method, system and device based on block chain - Google Patents
Payment information verification method, system and device based on block chain Download PDFInfo
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- CN111461732A CN111461732A CN202010259305.XA CN202010259305A CN111461732A CN 111461732 A CN111461732 A CN 111461732A CN 202010259305 A CN202010259305 A CN 202010259305A CN 111461732 A CN111461732 A CN 111461732A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention discloses a payment information verification method, a system and a device based on a block chain, wherein the method comprises the following steps: initiating a payment information verification request by an initiating mechanism system, and synchronously submitting the payment information verification request to a blockchain network; the method comprises the steps that a verification mechanism system and a payment clearing system receive payment information verification requests pushed by a blockchain network in parallel; the verification mechanism system verifies the received payment information verification request, returns a payment information verification response result according to the verification result and synchronously submits the result to the block chain network; and the initiating mechanism system and the payment clearing system receive the payment information verification response result pushed by the blockchain network in parallel. The invention utilizes the characteristics of transparent and real-time sharing of block chain data, can realize the parallel transmission of data and improve the service processing efficiency; by utilizing the characteristic that the block chain data cannot be tampered, the safety and reliability of the data in the payment information verification process can be improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a payment information verification method, system and device based on a block chain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The verification of relevant payment information (such as protocol information or account information) is carried out before payment, which is beneficial to improving the success rate of payment service and reducing inquiry and check and service rollback processing of both parties of transaction.
Fig. 1 is a flowchart of a payment information verification method provided in the prior art, and as shown in fig. 1, the prior payment information verification process is as follows:
and S1, the initiating mechanism system initiates an information verification request, adds a digital signature to the information verification request and sends the information verification request to the payment clearing system.
S2, the payment clearing system receives the information verification request from the initiating organization system, carries out validity check on the information verification request and verifies the digital signature, if the validity check and the digital signature check pass, the payment clearing system forwards the information verification request to the verifying organization system through S2-1; if the validity check and digital signature check fail, a denial notification is returned to the originating authority via S2-2.
S3, the verifying organization system receives the information verifying request forwarded by the payment clearing system, carries out validity check on the information verifying request and verifies the digital signature, if the validity check and the digital signature check pass, the verifying organization system returns an information verifying response/receipt to the payment clearing system through S3-1; if the validity check and the digital signature check are not passed, an information verification rejection response message is returned to the payment clearing system through S3-2, and the payment clearing system forwards the information verification rejection response result message to the initiating institution.
S4, the payment clearing system receives the information verification response result (information verification response/receipt or information verification refusal response message) from the verification mechanism system, carries out validity check on the information verification response result and verifies the digital signature, if the validity check and the digital signature check of the information verification response result pass, the information verification response/receipt is forwarded to the initiation mechanism system through S4-1, or the information verification refusal response message is forwarded to the initiation mechanism system through S4-2; if the validity check and the digital signature check of the information verification response result are not passed, a rejection notification message is returned to the initiating agency system and the verifying agency system through S4-3.
When the initiating mechanism system receives the information verification response result forwarded by the payment clearing system, the information verification response result is subjected to validity check and digital signature check, and after the validity check and the digital signature check pass, corresponding business processing is executed (for example, the checked verification information is marked).
Analysis shows that the existing payment information verification process has the following defects:
①, the service processing efficiency is to be improved, the data involved in the whole information verification process needs to be transmitted back and forth by an initiating mechanism system, a payment clearing system and a verification mechanism system in a serial mode, the communication and processing process is complex, the service processing efficiency is influenced, and the service failure can be caused by the error of any link, so that the information verification request needs to be initiated again.
② data transmission reliability needs to be improved, because the initiating mechanism system, the payment clearing system and the verification mechanism system adopt a serial data transmission mode, when any party has network interruption or processing abnormity in the information transmission process, data loss can be caused, thereby influencing the final information processing state inconsistency of all parties.
③, the data is at risk of being tampered, because the data of the information verification process is transmitted in series, the intermediate links are at risk of tampering the data.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a payment information verification method based on a block chain, which is used for solving the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the method comprises the following steps: the initiating mechanism system initiates a payment information verification request and submits the payment information verification request to the blockchain network; the method comprises the steps that a verification mechanism system and a payment clearing system receive a payment information verification request pushed by a blockchain network; the verification mechanism system verifies the received payment information verification request, returns a payment information verification response result according to the verification result and submits the result to the block chain network; and the initiating mechanism system and the payment clearing system receive the payment information verification response result pushed by the blockchain network.
The embodiment of the invention also provides a payment information verification method based on a block chain, which is applied to an initiating mechanism system and used for solving the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the method comprises the following steps: initiating a payment information verification request and submitting the payment information verification request to a block chain network; and receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
The embodiment of the invention also provides a payment information verification method based on the block chain, which is applied to a verification mechanism system and used for solving the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the method comprises the following steps: receiving a payment information verification request pushed by a blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system; and verifying the received payment information verification request, returning a payment information verification response result according to the verification result, and submitting the payment information verification response result to the block chain network.
The embodiment of the invention also provides a payment information verification method based on the block chain, which is applied to a payment clearing system and used for solving the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by the payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the method comprises the following steps: receiving a payment information verification request pushed by a blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system; and receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
The embodiment of the invention also provides a payment information verification system based on a block chain, which is used for solving the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the system comprises: the system comprises a block chain network, an initiating mechanism system, a verifying mechanism system and a payment clearing system; the system comprises an initiating mechanism system, a block chain network and a payment information verifying system, wherein the initiating mechanism system is communicated with the block chain network and used for initiating a payment information verifying request and submitting the payment information verifying request to the block chain network; the verification mechanism system is communicated with the blockchain network and used for receiving the payment information verification request pushed by the blockchain network, verifying the received payment information verification request, returning a payment information verification response result according to the verification result and submitting the payment information verification response result to the blockchain network; and the payment clearing system is communicated with the blockchain network and is used for receiving the payment information verification request and the payment information verification response result pushed by the blockchain network.
The embodiment of the invention also provides a payment information verification device based on a block chain, wherein an initiating mechanism system is operated on the device to solve the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the device comprises: the payment information verification request initiating module is used for initiating a payment information verification request and submitting the payment information verification request to the blockchain network; and the first payment information verification response result receiving module is used for receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
The embodiment of the invention also provides a payment information verification device based on a block chain, wherein a verification mechanism system is operated on the device to solve the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the device comprises: the system comprises a first payment information verification request receiving module, a first payment information verification request receiving module and a payment information verification request sending module, wherein the first payment information verification request receiving module is used for receiving a payment information verification request pushed by a blockchain network, and the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system; and the payment information verification response result returning module is used for verifying the received payment information verification request, returning a payment information verification response result according to the verification result and submitting the payment information verification response result to the block chain network.
The embodiment of the invention also provides a payment information verification device based on the block chain, wherein a payment clearing system is operated on the device to solve the technical problems that in the existing payment information verification processing flow, a payment information verification request and a payment information verification response result are forwarded by the payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered, and the device comprises: the second payment information verification request receiving module is used for receiving a payment information verification request pushed by the blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by the initiating mechanism system; and the second payment information verification response result receiving module is used for receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
The embodiment of the invention also provides computer equipment for solving the technical problems that in the existing payment information verification processing flow, the payment information verification request and the payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems that in the existing payment information verification processing flow, the payment information verification request and the payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered.
In the embodiment of the invention, the verification of the payment information is realized based on the blockchain, the initiating mechanism system, the verifying mechanism system and the payment clearing system are all accessed to the blockchain network, and the payment information verification request initiated by the initiating mechanism system can be synchronously submitted to the blockchain network; the verification mechanism system and the payment clearing system can simultaneously receive a payment information verification request pushed by a block chain network; the verification mechanism system verifies the received payment information verification request, and can synchronously submit the payment information verification response result returned according to the verification result to the block chain network; the initiating mechanism system and the payment clearing system can simultaneously receive the payment information verification response result pushed by the block chain network.
By the embodiment of the invention, the characteristics of transparent and real-time sharing of block chain data are utilized, the parallel transmission of the data can be realized, and the service processing efficiency is improved; by utilizing the characteristic that the block chain data cannot be tampered, the safety and reliability of the data in the payment information verification process can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flow chart of a payment information verification method provided in the prior art;
fig. 2 is a schematic diagram of a payment information verification system based on a blockchain according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a data transmission flow among the issuer system, the payment clearing system, the verifier system, and the blockchain network provided in the embodiment of the present invention;
fig. 4 is a flowchart of a payment information verification method based on a blockchain according to an embodiment of the present invention;
fig. 5 is a flowchart of a payment information verification method applied to an issuer system according to an embodiment of the present invention;
FIG. 6 is a flow chart of a payment information verification method applied to a verification mechanism system provided in an embodiment of the present invention;
FIG. 7 is a flow chart of a payment information verification method applied to a payment clearing system provided in an embodiment of the present invention;
fig. 8 is a schematic diagram of a payment information verification apparatus for operating an initiating mechanism system provided in an embodiment of the present invention;
fig. 9 is a schematic view of a payment information verification apparatus operating a verification mechanism system provided in an embodiment of the present invention;
fig. 10 is a schematic view of a payment information verification apparatus for operating a payment clearing system provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
An embodiment of the present invention provides a payment information verification system based on a block chain, and fig. 2 is a schematic diagram of a payment information verification system based on a block chain provided in an embodiment of the present invention, as shown in fig. 2, the system includes: a blockchain network 10, an initiating agency system 20, a validating agency system 30, and a payment clearing system 40;
the system 20 is in communication with the blockchain network 10, and is configured to initiate a payment information verification request and submit the payment information verification request to the blockchain network 10;
the verification mechanism system 30 is in communication with the blockchain network 10, and is configured to receive a payment information verification request pushed by the blockchain network 10, verify the received payment information verification request, return a payment information verification response result according to the verification result, and submit the payment information verification response result to the blockchain network 10;
and the payment clearing system 40 is in communication with the blockchain network 10 and is used for receiving the payment information verification request and the payment information verification response result pushed by the blockchain network 10.
It should be noted that in the embodiment of the present invention, the initiating mechanism system 20, the verifying mechanism system 30, and the payment clearing system 40 may all access the blockchain network through the blockchain client, and implement data transmission with the blockchain network through the blockchain client, synchronize the respective service processing data of the initiating mechanism system 20, the verifying mechanism system 30, or the payment clearing system 40 to the blockchain network, or acquire the service processing data of other systems pushed by the blockchain network based on an intelligent contract. When the blockchain network is connected with the initiating mechanism system 20, the verifying mechanism system 30 and the payment clearing system 40, the blockchain client can be connected with the production environment of the initiating mechanism system 20, the verifying mechanism system 30 and the payment clearing system 40 in a front-end application mode, so that the purpose of quickly connecting the initiating mechanism system 20, the verifying mechanism system 30 and the payment clearing system 40 into the blockchain network is achieved.
Optionally, in the embodiment of the present invention, an HTTP protocol is used as an interface protocol between the initiating mechanism system 20, the verifying mechanism system 30, or the payment clearing system 40 and the blockchain client; the interface protocol between the blockchain client and the blockchain network adopts an SOCKET protocol; and transmitting payment service data among all network nodes in the block chain network by adopting messages in a JSON format.
In the payment information verification system based on the block chain provided in the embodiment of the present invention, the flow of the payment information verification implemented by the initiating mechanism system, the verification mechanism system and the payment clearing system is as follows:
and S1, the initiating mechanism system initiates a payment information verification request, adds a digital signature to the payment information verification request and submits the payment information verification request to the blockchain network.
And S2, the verification mechanism system and the payment clearing system adopt a parallel mode to receive the payment information verification request pushed by the blockchain network.
S3, the payment clearing system checks the validity of the payment information verification request, verifies the digital signature and records the digital signature; after receiving the payment information verification request pushed by the blockchain network, the verification mechanism system carries out validity check on the information verification request and verifies the digital signature, and if the validity check and the digital signature check pass, the verification mechanism system submits the payment information verification response/receipt to the blockchain network through S3-1; if the validity check and the digital signature check are not passed, a payment information verification rejection response message is submitted to the blockchain network through S3-2. And the payment clearing system carries out validity check on the payment information verification request, verifies the digital signature and records the digital signature.
S4, the payment clearing system and the initiating mechanism system receive the payment information verification response result pushed by the blockchain network in a parallel mode (namely, the payment information verification response/receipt is received through S4-1, or the payment information verification refusal response message is received through S4-2), wherein the payment clearing system carries out validity check on the payment information verification response result, verifies the digital signature and records the result; and the initiating mechanism system carries out validity check on the payment information verification response result and verifies the digital signature, and if the validity check and the digital signature check pass, the subsequent business processing is executed.
From the above analysis, it can be seen that the block chain is introduced as an information transmission and storage carrier in the payment information verification processing flow in the embodiment of the present invention, so as to implement the information verification business processing flow in the payment field, the initiating mechanism system, the payment clearing system, and the verification mechanism system transmit information of the payment information verification business flow based on the block chain network, and the block chain network stores information submitted by each system, thereby forming a distributed shared account book.
Fig. 3 shows a data transmission flow among the initiating mechanism system, the payment clearing system, the verifying mechanism system, and the blockchain network, as shown in fig. 3, in the embodiment of the present invention, the blockchain network is used to convert the payment information verification flow of the existing serial processing into parallel processing, which can greatly improve the service processing efficiency. In addition, due to the data distributed storage and tamper-proof characteristics of the blockchain network, in the payment information verification process provided by the embodiment of the invention, data can be stored in each node of the blockchain network in the transmission process, so that the safety of data storage is greatly improved, and the risk that the transmitted data is tampered by a certain intermediate node in the conventional payment information verification process can be avoided.
Optionally, the payment information related in the embodiment of the present invention may be, but is not limited to, protocol information or account information. The protocol information is verified, so that the checking of the authenticity and the accuracy of the protocol from the payment clearing bank to the payment clearing bank can be facilitated, and the condition that the payment proxy payment protocol is not established when the regular debit service is sent is avoided; the account information is verified, the correctness of the account information in the contract (agreement) data of the collecting and paying center can be ensured, and the success rate of service processing is improved. For example, the payment system supports the collection and payment center system to initiate the payer account information verification to the payer account bank system; in order to improve the posting success rate of the batch payment service of a certain service system, the payment system can support the service system to initiate the verification inquiry of the account information of the payee, so that the service system initiates the batch payment service according to the confirmed account information of the payee after the verification response result of the account information is obtained.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification method based on a block chain, which is applied but not limited to the interaction among the initiating institution system, the verification institution system and the payment clearing system in fig. 2. Because the principle of the method embodiment for solving the problem is similar to that of the payment information verification system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 4 is a flowchart of a payment information verification method based on a blockchain according to an embodiment of the present invention, and as shown in fig. 4, the method includes the following steps:
s401, the initiating mechanism system initiates a payment information verification request and submits the payment information verification request to the blockchain network.
It should be noted that the initiating mechanism system in the embodiment of the present invention may be a service system in which the initiating mechanism provides a payment service, and before executing the payment service, a verification request for payment information such as a protocol and an account needs to be initiated. In the embodiment of the invention, the initiating mechanism system can access the block chain network through the block chain client so as to submit the payment information verification request to the block chain network after the initiating mechanism system initiates the payment information verification request.
Optionally, in order to improve data security, before submitting the payment information verification request to the blockchain network, the initiating entity system may further add a digital signature to the payment information verification request, so that the verifying entity system or the payment clearing system checks whether the payment information verification request comes from the initiating entity system according to the digital signature included in the payment information verification request. Therefore, the step S401 may specifically include the following steps: the initiating mechanism system initiates a payment information verification request; the initiating mechanism system adds a digital signature to the payment information verification request; the issuing authority system submits the payment information verification request added with the digital signature to the blockchain network.
S402, the verification mechanism system and the payment clearing system receive a payment information verification request pushed by the blockchain network.
It should be noted that the verification mechanism system in the embodiment of the present invention may be a service system in which the payment information verification mechanism verifies the payment information, and different payment information is verified, and verification may be performed through different service systems of the verification mechanism. The payment clearing system in the embodiment of the invention can be a service system which records the relevant information of the payment service and executes clearing processing. In the embodiment of the invention, the verification mechanism system and the payment clearing system can both access the block chain network through respective block chain client terminals, so that the payment information verification request initiated by the initiating mechanism system pushed by the block chain network can be received in a parallel mode, and the effect of receiving the payment information verification request at the same time can be almost achieved.
Optionally, after S402, the method for verifying payment information based on a blockchain according to an embodiment of the present invention may further include the following steps: and the payment clearing system verifies the received payment information verification request and submits a verification result to the blockchain network. After submitting the verification result of the payment information verification request to the blockchain network, the payment clearing system can push the verification result to the verification mechanism system, so that the verification mechanism system can also return a payment information verification response result according to the verification result of the payment clearing system to the payment information verification request. If the verification result of the payment information verification request is passed, the verification mechanism system returns a payment information verification response message; and if the verification result of the payment information verification request is failed, the verification mechanism system returns a prompt message of the payment information verification refusal response.
And S403, the verification mechanism system verifies the received payment information verification request, returns a payment information verification response result according to the verification result and submits the payment information verification response result to the block chain network.
It should be noted that the above S403 can be specifically implemented by the following steps: the validating mechanism system validates (e.g., validity checks or digital signature checks) the received payment information validation request; if the verification is passed, returning a payment information verification response message; and if the verification is not passed, returning a prompt message of refusing the response of the payment information verification.
Optionally, in order to improve data security, before submitting the payment information verification response result to the blockchain network, the verification authority system may also add a digital signature to the payment information verification response result, so that the initiating authority system or the payment clearing system may verify whether the payment information verification response result comes from the verification authority system according to the digital signature included in the payment information verification response result. Therefore, the step S403 may specifically include the following steps: the verification mechanism system verifies the received payment information verification request; the verification mechanism system returns a payment information verification response result according to the verification result; the verification mechanism system adds a digital signature to the payment information verification response result; and the verification mechanism system submits the payment information verification response result added with the digital signature to the blockchain network.
S404, the initiating agency system and the payment clearing system receive the payment information verification response result pushed by the blockchain network.
It should be noted that, since the initiating mechanism system and the payment clearing system are both in communication with the blockchain network, the payment information verification response result returned by the verification mechanism system pushed by the blockchain network can be received in parallel.
Optionally, after S404, the method for providing payment information verification based on a blockchain in the embodiment of the present invention may further include the following steps: the payment clearing system verifies (e.g., checks for validity or checks for digital signature) the received payment information verification response and submits the verification result to the blockchain network. After the verification result of the payment information verification response result of the payment clearing system is submitted to the blockchain network, the verification result can be pushed to the initiating mechanism system, so that the initiating mechanism system can also determine whether to execute subsequent business processing operation according to the received payment information verification response result according to the verification result of the payment information verification response result of the payment clearing system. If the verification result of the payment information verification response result of the payment clearing system is passed, the initiating mechanism system can execute subsequent business operation according to the received payment information verification response result (for example, the response result is returned to the user end and the like); and if the verification result of the payment information verification response result of the payment clearing system is failed, the initiating mechanism system refuses to execute the subsequent business operation.
Optionally, after S404, the initiating agency system may also verify (for example, validity check or digital signature check) the received payment information verification response result, and determine whether to perform a subsequent business operation according to the verification result.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification method based on a block chain, which is applied to, but not limited to, the initiating mechanism system shown in fig. 2. Because the principle of the method embodiment for solving the problem is similar to that of the payment information verification system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 5 is a flowchart of a payment information verification method applied to an initiating institution system according to an embodiment of the present invention, and as shown in fig. 5, the method includes the following steps:
s501, a payment information verification request is sent to the blockchain network.
It should be noted that, in order to improve data security, the above S501 may be implemented by the following steps: initiating a payment information verification request; adding a digital signature to the payment information verification request; and submitting the payment information verification request added with the digital signature to a blockchain network.
And S502, receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
Optionally, after the above S502, a validity check may be performed on the received payment information verification response result, and whether to perform a subsequent service operation may be determined according to the check result.
Further, if the payment information verification response result received in S502 includes the digital signature of the verification authority system, after S502, the payment information verification response result may also include the digital signature for verification.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification method based on a block chain, which is applied to, but not limited to, the verification mechanism system shown in fig. 2. Because the principle of the method embodiment for solving the problem is similar to that of the payment information verification system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 6 is a flowchart of a payment information verification method applied to a verification mechanism system according to an embodiment of the present invention, and as shown in fig. 6, the method includes the following steps:
s601, receiving a payment information verification request pushed by a blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system.
It should be noted that, if the payment information verification request received in S601 includes the digital signature of the verification authority system, after S601, the payment information verification request may further include the digital signature for verification.
S602, the received payment information verification request is verified, and a payment information verification response result is returned according to the verification result and submitted to the blockchain network.
It should be noted that the step S602 may specifically include the following steps: verifying (e.g., validity checking or digital signature checking) the received payment information verification request; if the verification is passed, returning a payment information verification response message; and if the verification is not passed, returning a prompt message of refusing the response of the payment information verification.
Optionally, in order to improve data security, the above S602 may be implemented by: verifying the received payment information verification request; returning a payment information verification response result according to the verification result; adding a digital signature to the payment information verification response result; and submitting the payment information verification response result added with the digital signature to the blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification method based on a block chain, which is applied to, but not limited to, the payment clearing system shown in fig. 2. Because the principle of the method embodiment for solving the problem is similar to that of the payment information verification system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 7 is a flowchart of a payment information verification method applied to a payment clearing system according to an embodiment of the present invention, and as shown in fig. 7, the method includes the following steps:
s701, receiving a payment information verification request pushed by the blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system.
It should be noted that after S701, the received payment information verification response result may also be verified (for example, validity check or digital signature check), and the verification result is submitted to the blockchain network.
And S702, receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
It should be noted that after S702, the received payment information verification response result may also be verified (e.g., validity check or digital signature check), and the verification result is submitted to the blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification apparatus for operating an initiating institution system, as described in the following embodiments. Because the principle of solving the problem of the embodiment of the device is similar to that of the payment information verification method shown in fig. 5, the implementation of the embodiment of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 8 is a schematic diagram of a payment information verification apparatus for operating an initiating entity system provided in an embodiment of the present invention, and as shown in fig. 8, the apparatus includes: a payment information verification request initiation module 801 and a first payment information verification response result reception module 802.
The payment information verification request initiating module 801 is configured to initiate a payment information verification request and submit the payment information verification request to the blockchain network; the first payment information verification response receiving module 802 is configured to receive a payment information verification response result pushed by the blockchain network, where the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
In one embodiment, the payment information verification request initiation module 801 is further configured to add a digital signature to the payment information verification request, and submit the payment information verification request with the digital signature added to the blockchain network.
In an embodiment, the first payment information verification response receiving module 802 is further configured to perform validity check on the received payment information verification response, and determine whether to execute a subsequent service operation according to the check result.
Further, if the payment information verification response result received by the first payment information verification response result receiving module 802 includes the digital signature of the verification mechanism system, the first payment information verification response result receiving module 802 may also be configured to verify that the payment information verification response result includes the digital signature.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification apparatus for operating a verification mechanism system, as described in the following embodiments. Because the principle of solving the problem of the embodiment of the device is similar to the payment information verification method shown in fig. 6, the implementation of the embodiment of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 9 is a schematic diagram of a payment information verification apparatus for operating a verification mechanism system according to an embodiment of the present invention, and as shown in fig. 9, the apparatus includes: a first payment information verification request receiving module 901 and a payment information verification response result returning module 902.
The first payment information verification request receiving module 901 is configured to receive a payment information verification request pushed by a blockchain network, where the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system; a payment information verification response returning module 902, configured to verify the received payment information verification request, return a payment information verification response according to the verification result, and submit the result to the blockchain network.
Optionally, if the payment information verification request received by the first payment information verification request receiving module 901 includes a digital signature of a verification authority system, the payment information verification response result returning module 902 may also be configured to verify that the payment information verification request includes the digital signature.
In one embodiment, the payment information verification response result returning module 902 may be specifically configured to verify (e.g., check validity or check digital signature) the received payment information verification request; if the verification is passed, returning a payment information verification response message; and if the verification is not passed, returning a prompt message of refusing the response of the payment information verification.
In one embodiment, the payment information verification response result returning module 902 may be further configured to verify the received payment information verification request; returning a payment information verification response result according to the verification result; adding a digital signature to the payment information verification response result; and submitting the payment information verification response result added with the digital signature to the blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a payment information verification apparatus for operating a payment clearing system, as described in the following embodiments. Because the principle of solving the problem of the embodiment of the device is similar to the payment information verification method shown in fig. 7, the implementation of the embodiment of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 10 is a schematic view of a payment information verification apparatus for operating a payment clearing system according to an embodiment of the present invention, as shown in fig. 10, the apparatus includes: a second payment information verification request receiving module 101 and a second payment information verification response result receiving module 102.
The second payment information verification request receiving module 101 is configured to receive a payment information verification request pushed by a blockchain network, where the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system; the second payment information verification response result receiving module 102 is configured to receive a payment information verification response result pushed by the blockchain network, where the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
Optionally, the second payment information verification request receiving module 101 may be further configured to verify (for example, validity check or digital signature check) the received payment information verification response result, and submit the verification result to the blockchain network; the second payment information verification response receiving module 102 may be further configured to verify (e.g., check validity or check digital signature) the received payment information verification response and submit the verification result to the blockchain network.
Based on the same conception, the embodiment of the invention also provides computer equipment for solving the technical problems that in the existing payment information verification processing flow, the payment information verification request and the payment information verification response result are forwarded by the payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems that in the existing payment information verification processing flow, the payment information verification request and the payment information verification response result are forwarded by a payment clearing system, so that the flow is complicated, the efficiency is low, and data is easy to be tampered.
In summary, embodiments of the present invention provide a method, a system, an apparatus, a computer device, and a computer-readable storage medium for payment information verification based on a blockchain, where an initiating mechanism system, a verifying mechanism system, and a payment clearing system are all connected to a blockchain network, and verification of payment information is implemented by means of the blockchain network, so as to ensure that state information of a payment information verification process is consistent among the initiating mechanism system, the verifying mechanism system, and the payment clearing system, implement information sharing in the payment information verification process, and improve processing efficiency of a payment service; because the block chain has the characteristic that data cannot be tampered, the embodiment of the invention can ensure the authenticity and reliability of information in the payment information verification process.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A payment information verification method based on a block chain is characterized by comprising the following steps:
the initiating mechanism system initiates a payment information verification request and submits the payment information verification request to the blockchain network;
the method comprises the steps that a verification mechanism system and a payment clearing system receive a payment information verification request pushed by a blockchain network;
the verification mechanism system verifies the received payment information verification request, returns a payment information verification response result according to the verification result and submits the result to the block chain network;
and the initiating mechanism system and the payment clearing system receive the payment information verification response result pushed by the blockchain network.
2. The method of claim 1, wherein after the validation authority system and the payment clearing system receive the payment information validation request pushed by the blockchain network, the method further comprises:
and the payment clearing system verifies the received payment information verification request and submits a verification result to the blockchain network.
3. The method of claim 1, wherein after the issuer system and the payment clearinghouse system receive the payment information validation response pushed by the blockchain network, the method further comprises:
and the payment clearing system verifies the received payment information verification response result and submits the verification result to the block chain network.
4. A method as claimed in any one of claims 1 to 3, wherein the initiating institution system initiates a payment information validation request for submission to the blockchain network, comprising:
the initiating mechanism system initiates a payment information verification request;
the initiating mechanism system adds a digital signature to the payment information verification request;
the issuing authority system submits the payment information verification request added with the digital signature to the blockchain network.
5. The method of any one of claims 1 to 3, wherein the validating mechanism system validates the received payment information validation request, returns a payment information validation response result according to the validation result, and submits the payment information validation response result to the blockchain network, and comprises:
the verification mechanism system verifies the received payment information verification request;
if the verification is passed, returning a payment information verification response message and submitting the payment information verification response message to the blockchain network;
and if the verification is not passed, returning a prompt message of refusing the response of the payment information verification, and submitting the prompt message to the blockchain network.
6. A method as claimed in any one of claims 1 to 3, wherein the validation authority system validates a received payment information validation request and returns a payment information validation response result based on the validation result, for submission to the blockchain network, the method further comprising:
the verification mechanism system verifies the received payment information verification request;
the verification mechanism system returns a payment information verification response result according to the verification result;
the verification mechanism system adds a digital signature to the payment information verification response result;
and the verification mechanism system submits the payment information verification response result added with the digital signature to the blockchain network.
7. A payment information verification method based on a block chain is applied to an initiating mechanism system and comprises the following steps:
initiating a payment information verification request and submitting the payment information verification request to a block chain network;
and receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
8. A payment information verification method based on a block chain is applied to a verification mechanism system and comprises the following steps:
receiving a payment information verification request pushed by a blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system;
and verifying the received payment information verification request, returning a payment information verification response result according to the verification result, and submitting the payment information verification response result to the block chain network.
9. A payment information verification method based on a block chain is applied to a payment clearing system and comprises the following steps:
receiving a payment information verification request pushed by a blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system;
and receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
10. A payment information verification system based on blockchain, comprising: the system comprises a block chain network, an initiating mechanism system, a verifying mechanism system and a payment clearing system;
the initiating mechanism system is communicated with the blockchain network and used for initiating a payment information verification request and submitting the payment information verification request to the blockchain network;
the verification mechanism system is communicated with the blockchain network and is used for receiving the payment information verification request pushed by the blockchain network, verifying the received payment information verification request, returning a payment information verification response result according to the verification result and submitting the payment information verification response result to the blockchain network;
and the payment clearing system is communicated with the block chain network and is used for receiving a payment information verification request and a payment information verification response result pushed by the block chain network.
11. A payment information verification apparatus based on a blockchain, wherein an initiating mechanism system runs on the apparatus, comprising:
the payment information verification request initiating module is used for initiating a payment information verification request and submitting the payment information verification request to the blockchain network;
the first payment information verification response result receiving module is used for receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
12. A payment information verification apparatus based on a blockchain, wherein a verification mechanism system is operated on the apparatus, comprising:
the system comprises a first payment information verification request receiving module, a first payment information verification request receiving module and a payment information verification request sending module, wherein the payment information verification request is a request submitted to a blockchain network by an initiating mechanism system;
and the payment information verification response result returning module is used for verifying the received payment information verification request, returning a payment information verification response result according to the verification result and submitting the payment information verification response result to the block chain network.
13. A payment information verification apparatus based on blockchain, wherein a payment clearing system is operated on the apparatus, comprising:
the second payment information verification request receiving module is used for receiving a payment information verification request pushed by the blockchain network, wherein the payment information verification request is a request submitted to the blockchain network by an initiating mechanism system;
and the second payment information verification response result receiving module is used for receiving a payment information verification response result pushed by the blockchain network, wherein the payment information verification response result is a response result returned by the verification mechanism system according to the payment information verification request and submitted to the blockchain network.
14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the blockchain based payment information authentication method of any one of claims 1 to 9.
15. A computer-readable storage medium storing a computer program for executing the block chain-based payment information verification method according to any one of claims 1 to 9.
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