CN111861440A - Bank transfer method and system based on block chain network - Google Patents
Bank transfer method and system based on block chain network Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/3825—Use of electronic 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a bank transfer method and a system based on a block chain network, wherein the method comprises the following steps: receiving a bank account transfer request, wherein the bank account transfer request comprises: a payment account, a collection account, and a transfer amount; generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request. The invention can improve the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden danger, personal information exposure and higher service handling fee of the traditional banking service.
Description
Technical Field
The invention relates to the technical field of bank transfer, in particular to a bank transfer method and a bank transfer system based on a block chain network.
Background
Money transfer is a basic business of banks, and the business steps are often two: payment and clearing. The bank card transfer generally performed by the user belongs to the payment category, the essence of the bank card transfer is the record of transfer information and the change of personal account information, real funds are not circulated in real time, and various accounts can be delayed between banks only when clearing is performed. At present, in the field of bank finance, personal account transfer is always a high-frequency service. However, due to the high centralization of the whole system architecture, the single-point failure hidden danger same as that of other centralized systems is inevitable, and the problem can be solved to a certain extent by using the block chain technology.
In the prior art, a public chain technology is usually adopted to realize bank transfer transaction, and the problems of single-point fault hidden trouble, personal information exposure, high business handling fee and the like are solved. However, the method has the problems of low transaction speed and low system transaction performance.
Disclosure of Invention
The embodiment of the invention provides a bank transfer method based on a block chain network, which is used for carrying out bank transfer transaction and improving the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden trouble, personal information exposure and higher service handling fee of the traditional banking service, and is applied to a payment bank server and comprises the following steps:
receiving a bank account transfer request, wherein the bank account transfer request comprises: a payment account, a collection account, and a transfer amount;
generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
The embodiment of the invention provides a payment bank server which is used for carrying out bank transfer transaction and improving the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden trouble, personal information exposure and higher service handling fee of the traditional banking service, and the payment bank server comprises:
the request receiving module is used for receiving a bank account transfer request, and the bank account transfer request comprises the following components: a payment account, a collection account, and a transfer amount;
a request generation module, configured to generate a virtual account transfer request according to the bank account transfer request, where the virtual account transfer request includes: a payment virtual account, a collection virtual account and a virtual currency amount;
and the request sending module is used for sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the bank transfer method based on the block chain network is realized when the processor executes the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the bank transfer method based on the blockchain network is stored in the computer-readable storage medium.
Compared with the scheme of realizing bank transfer transaction by adopting a public chain technology in the prior art, the embodiment of the invention provides a bank transfer method based on a block chain network, which is applied to a payment bank server, and the bank transfer method comprises the following steps of receiving a bank account transfer request: a payment account, a collection account, and a transfer amount; generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request. According to the embodiment of the invention, the virtual account transfer request is generated according to the bank account transfer request, and the transfer request of the legal currency in the bank account is converted into the transfer request of the token in the block chain virtual account, so that the normal work of the node is stimulated, and the problems of single-point fault hidden danger, personal information exposure, high business handling charge and the like are effectively solved. In addition, the payment bank server sends the virtual account transfer request to the blockchain network, compared with a personal account node, the payment bank server is used as a consensus node to interact with the blockchain network, so that the supervision requirement can be met, all blockchain accounts do not need to be synchronized, physical resources are effectively saved, and the transaction speed and the transaction performance are improved.
The embodiment of the invention provides a bank transfer method based on a block chain network, which is used for carrying out bank transfer transaction and improving the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden trouble, personal information exposure and higher service handling fee of the traditional banking service, and is applied to a gathering bank server and comprises the following steps:
receiving a virtual account transfer request pushed by a block chain network, wherein the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and returning a transfer transaction result according to the virtual account transfer request.
The embodiment of the invention provides a payee server which is used for carrying out bank transfer transaction and improving the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden trouble, personal information exposure and higher service handling fee of the traditional banking business, and the payee server comprises:
the request receiving module is used for receiving a virtual account transfer request pushed by a block chain network, wherein the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and the result returning module is used for returning a transfer transaction result according to the virtual account transfer request.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the bank transfer method based on the block chain network is realized when the processor executes the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the bank transfer method based on the blockchain network is stored in the computer-readable storage medium.
The embodiment of the invention provides a bank transfer system based on a block chain network, which is used for carrying out bank transfer transaction and improving the transaction speed and the transaction performance on the basis of solving the problems of single-point fault hidden trouble, personal information exposure and higher service handling fee of the traditional banking service, and comprises the following components: the system comprises a payment line server, a collection line server and a block chain network, wherein the payment line server comprises the payment line server, and the collection line server comprises the collection line server.
Compared with the scheme of realizing bank transfer transaction by adopting a public link technology in the prior art, the embodiment of the invention provides a bank transfer method based on a block chain network and applied to a payee server, the bank transfer method comprises the following steps of receiving a virtual account transfer request pushed by the block chain network, wherein the virtual account transfer request is generated by a payer server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and returning a transfer transaction result according to the virtual account transfer request. According to the embodiment of the invention, the virtual account transfer request is generated according to the bank account transfer request, and the transfer request of the legal currency in the bank account is converted into the transfer request of the token in the block chain virtual account, so that the normal work of the node is stimulated, and the problems of single-point fault hidden danger, personal information exposure, high business handling charge and the like are effectively solved. In addition, the payment bank server sends the virtual account transfer request to the blockchain network, compared with a personal account node, the payment bank server is used as a consensus node to interact with the blockchain network, so that the supervision requirement can be met, all blockchain accounts do not need to be synchronized, physical resources are effectively saved, and the transaction speed and the transaction performance are 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 schematic diagram of a bank transfer method based on a block chain network according to an embodiment of the present invention;
FIG. 2 is a block diagram of a payroll server in accordance with an embodiment of the present invention;
FIG. 3 is a block diagram of a payroll server in accordance with an embodiment of the present invention;
FIG. 4 is a diagram illustrating a bank transfer method based on a blockchain network according to an embodiment of the present invention;
FIG. 5 is a block diagram of a payee server according to an embodiment of the invention;
FIG. 6 is a block diagram of a payee server according to an embodiment of the invention;
FIG. 7 is a block chain network based bank transfer system architecture diagram of an embodiment of the present invention;
fig. 8-10 are schematic diagrams of bank transfer methods based on a blockchain network according to embodiments 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.
As described above, in the conventional public chain technology, since there is no high-confidence consensus node between nodes, a great amount of system computing power is wasted in the transaction consensus process, resulting in low system transaction performance. In the alliance chain technology, although a strict admission method is adopted, the efficiency of a consensus mechanism is improved, but because the concept of Token is not available, the transfer transaction cannot be directly carried out like the common public chain technology.
Block chain public chain technology: the original intention of the public chain technology is to adopt technical means to change the defects of the traditional banking business, such as single-point fault hidden trouble, excessive exposure of personal information, high business handling fee and the like, but the public chain technology has some problems.
Block chain alliance chain technology: the alliance chain is a block chain technology only aiming at a certain group member or a limited third party, and through strict control of admission, consensus cost is reduced, and overall transaction performance is improved.
Block chain Token mechanism: token is originated from the technology of block chain public chain, and is used to stimulate the normal operation of nodes, and in addition, can also be used as a medium for value transfer of the network itself.
The inventor finds that for public chain transfers, the disadvantages are:
1) individuals join the block chain network, accounts on all block chains need to be synchronized locally, and the physical resource requirements on individual nodes are high due to the fact that the total transaction amount is large;
2) personal identity information is not reflected on a public chain and cannot meet the supervision requirement;
3) the personal account information is generally a string of private key characters or a group of mnemonics, which is very unfavorable for storage, and once the personal account information is lost and cannot be retrieved, the personal asset cannot be fully protected;
4) personal assets on the public chain are Token owned by each chain, a legal currency exchange mechanism cannot be provided, and personal users can only buy and sell the digital currency transaction by a third party and do not meet the requirements of national laws and regulations;
the existing alliance chain operation mode has the following defects:
1) common federation chain technologies typically do not have built-in tokens because they do not require incentive mechanisms like those present in public chains. The transfer transaction implementation advantages natural to the blockchain technology are lost;
2) in many scenarios, the federation chain technology is only used as a evidence-preserving system, and the technical advantages thereof are not fully exerted;
3) the existing financial field alliance chain technology and the traditional system have too large cleaving performance, the support degree of the existing financial field alliance chain technology on common personal transaction scenes is low, and the user can not really realize the advantages of the block chain technology;
in order to perform a bank transfer transaction, on the basis of solving the problems of single-point fault hidden danger, personal information exposure and higher service handling fee of the traditional banking service, the embodiment of the invention provides a bank transfer method based on a block chain network, and as shown in fig. 1, the method is applied to a payment bank server and can comprise the following steps:
102, generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
As shown in fig. 1, it can be known that, in the embodiment of the present invention, a bank account transfer request is received, where the bank account transfer request includes: a payment account, a collection account, and a transfer amount; generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request. According to the embodiment of the invention, the virtual account transfer request is generated according to the bank account transfer request, and the transfer request of the legal currency in the bank account is converted into the transfer request of the token in the block chain virtual account, so that the normal work of the node is stimulated, and the problems of single-point fault hidden danger, personal information exposure, high business handling charge and the like are effectively solved. In addition, the payment bank server sends the virtual account transfer request to the blockchain network, compared with a personal account node, the payment bank server is used as a consensus node to interact with the blockchain network, so that the supervision requirement can be met, all blockchain accounts do not need to be synchronized, physical resources are effectively saved, and the transaction speed and the transaction performance are improved.
In specific implementation, a bank account transfer request is received, wherein the bank account transfer request comprises: payment account, collection account, and transfer amount.
In the embodiment, the bank account transfer request is received by the payline server, sent by the client terminal, and sent to the payline server by the user operating the mobile phone bank or the internet bank.
In specific implementation, a virtual account transfer request is generated according to the bank account transfer request, wherein the virtual account transfer request comprises: the method comprises the steps of paying a virtual account, receiving a virtual account and virtual money amount, and sending a virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
In an embodiment, before the virtual account transfer request is sent to a blockchain network, checking a payment virtual account, a collection virtual account and a virtual currency amount in the virtual account transfer request; and if the verification is passed, performing endorsement operation on the virtual account transfer request, and sending the virtual account transfer request to a block chain network.
In the embodiment, each payment bank server provides a bank account and a block chain virtual account creating function for an individual user, when the block chain virtual account is created, a special transfer address and an individual private key storage mechanism are generated for the user, a specific address generation mode is generally realized by adopting an asymmetric encryption algorithm (random characters, an elliptic curve algorithm and the like), and the individual private key storage mechanism can adopt a common mnemonic symbol mode, a symmetric encryption mechanism, a retrieval problem, a mobile phone verification code and the like. In addition, one user is allowed to establish a plurality of blockchain virtual accounts. The bank also creates a native mechanism blockchain virtual account for use as a clearing operation.
In an embodiment, each payline server provides blockchain account management functions, such as legal exchange, balance management, transaction inquiry, privacy protection, and the like, for the personal user. Specifically, the legal currency exchange function mainly refers to exchanging funds of a traditional bank account into Token in a blockchain account. This function consists of two steps of operation: 1. deducting money from a bank account; 2. the blockchain account balance is increased. The first step of operation needs to be realized by calling a traditional bank system, the second step is realized by the intelligent block chain contract, and all the account information of the block chain is stored in the block chain account book. The balance management function refers to block chain account balance management, and the main functions relate to: the method comprises the steps of multi-block chain account Token balance statistics, multi-block chain account Token collection and the like, wherein a user operates a mobile phone bank or an internet bank to send a transaction instruction to a block chain network, the transaction instruction is realized by intelligent contract logic, and a transaction result is stored and verified to the block chain network. The transaction query function is to provide a query in multiple dimensions, such as a query by date, a query by blockchain account, a query by Token, and the like. Since the query does not affect the state of the blockchain, this function can be implemented as follows: 1. the block chain transaction synchronization module scans newly added transactions in a block chain network in real time and writes transaction information into a traditional database; 2. the transaction inquiry obtains data from the database information through a special inquiry module and feeds the data back to the user interface. All transaction query functions do not affect the blockchain network, and the service pressure of the whole system is reduced. The privacy protection function is to protect personal privacy information of a user from being leaked, and specifically includes the following dimensions: the individual user has the right to decide which information of the individual user belongs to the privacy information and the exposure range, the individual user cannot acquire the information of other users, and the information encrypted by the banks cannot be decrypted. The function implementation mode mainly sets an information encryption key by a person, and when a bank sends transaction information to a block chain, the bank only provides minimum requirement information and uses the user key to carry out symmetric encryption so as to ensure the safety of the user information.
In an embodiment, each payline server is used as a consensus node to build a blockchain network. Since the blockchain system employs federation chain technology, blockchain nodes need to be charged by high credit institutions, such as banks, government agencies, or large enterprises. In the embodiment of the invention, the block link points are constructed among banks. If the HyperLegger Fabric bottom layer is adopted, each bank can contribute one orderer node and a plurality of peer nodes.
In an embodiment, each payment bank server serves as a consensus node to check and endorse transactions initiated by the mechanism user. All blockchain transactions initiated by users are carried out through the home bank, and the specific flow is as follows: "user" - > "internet bank" - "bank" - > "bank block chain system" - > "block chain network". Before the bank node sends the transaction to the blockchain system, the transaction information is verified by traditional logic, the transaction can be sent to the blockchain network only if no problem is verified, and the endorsement operation is automatically executed by an intelligent contract.
In an embodiment, each payment bank server as a consensus node checks and endorses transactions initiated by other institutions, and the function is automatically realized by a block chain bottom system. When the user exchanges the legal currency and Token, each payment bank server carries out account settlement special for account attribution bank account and block chain transfer; the bank should open the special legal money account for the Token chain Token for clearing among banks after the Token chain Token transfers. If the user A belongs to the Beijing branch of the Chinese bank, the A needs to transfer 100 the special user of the Beijing division block chain from the French account of the A after exchanging the 100 French coin for the Token, and if the A transfers 100Token to the B (the Shanghai branch of the belonging behavior agricultural bank), the Beijing branch of the Chinese bank transfers the French coin with the same value from the special user of the block chain to the special user of the Shanghai division block chain of the agricultural bank.
In the embodiment, the block chain network is an alliance chain network which is established by taking all banks and clearing institutions as nodes, the clearing institutions can synchronize cross-bank transfer transactions on the block chain, clear the cross-bank transfer according to transaction information, and write clearing results into the block chain.
Based on the same inventive concept, the embodiment of the invention also provides a payment bank server, as described in the following embodiment. Because the principles of solving the problems are similar to the bank transfer method based on the block chain network, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 2 is a block diagram of a payment server according to an embodiment of the present invention, and as shown in fig. 2, the payment server includes:
a request receiving module 201, configured to receive a bank account transfer request, where the bank account transfer request includes: a payment account, a collection account, and a transfer amount;
a request generating module 202, configured to generate a virtual account transfer request according to the bank account transfer request, where the virtual account transfer request includes: a payment virtual account, a collection virtual account and a virtual currency amount;
and the request sending module 203 is configured to send the virtual account transfer request to a blockchain network, where the blockchain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
In one embodiment, as shown in FIG. 3, the payment issuer server of FIG. 2 further comprises:
the request verification module 204 is configured to verify a payment virtual account, a collection virtual account, and a virtual currency amount in the virtual account transfer request before sending the virtual account transfer request to the blockchain network;
the request sending module 203 is further configured to, if the verification passes, perform endorsement operation on the virtual account transfer request, and send the virtual account transfer request to a block chain network.
In order to perform a bank transfer transaction, on the basis of solving the problems of single-point fault hidden danger, personal information exposure and higher service handling fee of the traditional banking service, the embodiment of the invention provides a bank transfer method based on a block chain network, and as shown in fig. 4, the method is applied to a payee server and can comprise the following steps:
As shown in fig. 4, it can be known that, in the embodiment of the present invention, a virtual account transfer request pushed by a blockchain network is received, where the virtual account transfer request is generated by a payroll server according to a bank account transfer request and sent to the blockchain network, and the bank account transfer request includes: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and returning a transfer transaction result according to the virtual account transfer request. According to the embodiment of the invention, the virtual account transfer request is generated according to the bank account transfer request, and the transfer request of the legal currency in the bank account is converted into the transfer request of the token in the block chain virtual account, so that the normal work of the node is stimulated, and the problems of single-point fault hidden danger, personal information exposure, high business handling charge and the like are effectively solved. In addition, the payment bank server sends the virtual account transfer request to the blockchain network, compared with a personal account node, the payment bank server is used as a consensus node to interact with the blockchain network, so that the supervision requirement can be met, all blockchain accounts do not need to be synchronized, physical resources are effectively saved, and the transaction speed and the transaction performance are improved.
In specific implementation, a virtual account transfer request pushed by a block chain network is received, the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account, and a virtual currency amount.
And when the method is specifically implemented, returning a transfer transaction result according to the virtual account transfer request.
In the embodiment, before the transfer transaction result is returned according to the virtual account transfer request, the payment virtual account, the collection virtual account and the virtual currency amount in the virtual account transfer request are verified; if the verification is passed, returning a transfer transaction result according to the virtual account transfer request, wherein the transfer transaction result comprises the following steps: and if the verification is passed, signing the virtual account transfer request by using an account private key and a receiving line private key, and sending the signed virtual account transfer request to the block chain network.
Based on the same inventive concept, the embodiment of the present invention further provides a payee server, as described in the following embodiments. Because the principles of solving the problems are similar to the bank transfer method based on the block chain network, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 5 is a structural diagram of a collection line server in the embodiment of the present invention, and as shown in fig. 5, the collection line server includes:
a request receiving module 501, configured to receive a virtual account transfer request pushed by a blockchain network, where the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and sent to the blockchain network, and the bank account transfer request includes: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and a result returning module 502, configured to return a transfer transaction result according to the virtual account transfer request.
In one embodiment, as shown in fig. 6, the cash bank server of fig. 5 further includes:
the request verification module 503 is configured to verify a payment virtual account, a collection virtual account, and a virtual currency amount in the virtual account transfer request before returning a transfer transaction result according to the virtual account transfer request;
the result returning module 502 is further configured to, if the verification passes, sign the virtual account transfer request by using the account private key and the payee private key, and send the signed virtual account transfer request to the blockchain network.
In order to perform a bank transfer transaction, on the basis of solving the problems of single-point fault hidden danger, personal information exposure and higher service handling fee of the traditional banking service, the embodiment of the invention provides a bank transfer system based on a block chain network, and as shown in fig. 7, the system comprises: a payline server 701, a payee line server 702 and a blockchain network 703, wherein the payline server includes the payline server described above, and the payee line server includes the payee line server described above.
A specific embodiment is given below to illustrate a specific application of the bank transfer method based on the blockchain network in the embodiment of the present invention. In this embodiment, as shown in fig. 8, a participating bank first needs to add a blockchain transfer special user in its conventional account system for clearing Token exchange transactions and cross-bank transfer transactions. When the user is Token, the bank transfers the corresponding amount from the client legal money account to the special user for block chain transfer through the traditional bank system, and the in-line clearing is implemented. When transfer operation is generated between different banks, the banks can clear the transfer through respective block chain transfer private users. And for individual users, the clearing transaction is transparent and invisible, and belongs to bank background system transaction. If an individual user uses the block chain transfer system, the precondition needs to have one bank account, and a block chain transfer account is opened and is associated with the bank account of the individual user. When the customer has the transfer requirement, the customer can log in the own block chain account through a mobile phone bank or an internet bank, and if the Token balance is insufficient, the customer can directly exchange and obtain the account from the own bank account. And then filling in the account address of the opposite side block chain to transfer the account. After receiving the transfer transaction, the transfer account attribution bank needs to perform various transaction information checks (including whether the account state is normal, whether the balance is satisfied, whether the target account information is comprehensive and the like, and the checks pass) on the transfer account attribution bank, such as anti-money laundering rule checks (realized by calling a special money laundering check system), transfer amount checks (realized by judging transfer amount limits through a traditional system, such as daily limit, monthly limit, annual limit and the like), and transaction opponent address validity checks (realized by calling a block chain intelligent contract address check function) and the like. If the transaction information has no problem, the private key of the account of the user and the private key of the bank are used for signing the transaction, and the transaction is sent to the block chain network for consensus. After receiving the transaction request, other common identification nodes of the blockchain network check the signature information of the transaction by using the public key of the organization, and if no problem exists, the signature information is signed. After the transaction receives the required number of the common node signatures, the common node signatures are written into a block chain account book, and the corresponding amount of money is acquired from the transfer destination account. The bank analyzes the attribution line of the addresses of the two transfer parties, and carries out clearing processing, and a transfer transaction is finished. As shown in fig. 9, if both parties of a transfer transaction belong to one bank and a user initiates a transfer application, the transaction is sent to a block chain network for propagation through an account affiliation bank and is verified by all common identification nodes, if no problem exists, the transaction is written into a block chain account book, and the transaction affiliation bank performs settlement and a transaction is completed. As shown in fig. 10, since the parties to the transaction belong to different lines, the transfer transaction is the same as in the first case except that the clearing function is performed by the clearing house.
The embodiment of the invention effectively integrates the advantages of the public chain technology and the alliance chain technology based on the defects of the public chain technology and the alliance chain technology, and fully combines the block chain technology with the traditional bank system. The alliance chain technology is used as a bottom layer, a bank mobile phone bank system is used as a medium, a public chain Token mechanism is introduced, and the traditional bank technology advantages such as account management, currency exchange, mobile phone banking and the like are combined, so that a brand-new bank personal transfer business system is built, the stability and the credibility of the whole system can be improved to a certain degree, the alliance chain advantages of the bank are fully utilized, and the defect that the traditional public chain transaction speed is low is overcome. By building a alliance chain network, strong credit agency nodes such as banks serve as consensus nodes, and the defects that the public chain technology is low in transaction efficiency, poor in supervision, incapable of meeting currency exchange and the like are overcome; secondly, for a bank system, the threshold of the individual using the block technology is smoothed, so that the Token-French currency exchange function and the individual account management function can be flexibly and quickly realized, and the supervision requirements of government on money laundering and the like can be met; from the perspective of a user, a block chain account is opened by utilizing a personal bank account, and the legal coins in a personal traditional account can be exchanged into the Token in the block chain account in real time, so that the transfer transaction can be rapidly carried out, and the history of transaction information can be traced and cannot be falsified.
The embodiment of the invention adopts the alliance chain technology and the Token mechanism as the implementation scheme of the personal account transfer transaction, improves the defect of poor transaction performance commonly existing in the traditional public chain technology, can realize the quick transfer of the value and ensures that the transaction is completely real, credible and untrustworthy. In addition, a mode that a personal block chain account system coexists with a traditional bank account is designed, so that the monitoring risks of a bank and a monitoring mechanism are reduced, a safer guarantee is provided for the account security of an individual user, and the safety problem of the traditional block chain personal account is fundamentally solved.
In summary, the embodiment of the present invention provides a bank transfer method based on a blockchain network, which is applied to a payline server, and receives a bank account transfer request, where the bank account transfer request includes: a payment account, a collection account, and a transfer amount; generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request. The embodiment of the invention also provides a bank transfer method based on the blockchain network and applied to the payee server, which is characterized in that a virtual account transfer request pushed by the blockchain network is received, the virtual account transfer request is generated by the payer server according to the bank account transfer request and is sent to the blockchain network, and the bank account transfer request comprises the following steps: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount; and returning a transfer transaction result according to the virtual account transfer request. According to the embodiment of the invention, the virtual account transfer request is generated according to the bank account transfer request, and the transfer request of the legal currency in the bank account is converted into the transfer request of the token in the block chain virtual account, so that the normal work of the node is stimulated, and the problems of single-point fault hidden danger, personal information exposure, high business handling charge and the like are effectively solved. In addition, the payment bank server sends the virtual account transfer request to the blockchain network, compared with a personal account node, the payment bank server is used as a consensus node to interact with the blockchain network, so that the supervision requirement can be met, all blockchain accounts do not need to be synchronized, physical resources are effectively saved, and the transaction speed and the transaction performance are improved.
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 (11)
1. A bank transfer method based on a block chain network is applied to a payment bank server and is characterized by comprising the following steps:
receiving a bank account transfer request, wherein the bank account transfer request comprises: a payment account, a collection account, and a transfer amount;
generating a virtual account transfer request according to the bank account transfer request, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
2. A method of bank transfer based on a blockchain network as claimed in claim 1 wherein the virtual account transfer request is checked against the virtual account for payment, the virtual account for collection and the virtual monetary amount before being sent to the blockchain network;
and if the verification is passed, performing endorsement operation on the virtual account transfer request, and sending the virtual account transfer request to a block chain network.
3. A bank transfer method based on a block chain network is applied to a gathering bank server and is characterized by comprising the following steps:
receiving a virtual account transfer request pushed by a block chain network, wherein the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and returning a transfer transaction result according to the virtual account transfer request.
4. A method of banking transfer based on a blockchain network as claimed in claim 3 wherein the virtual account for payment, the virtual account for collection and the virtual monetary amount in the virtual account transfer request are verified before a transfer transaction result is returned from the virtual account transfer request;
if the verification is passed, returning a transfer transaction result according to the virtual account transfer request, wherein the transfer transaction result comprises the following steps: and if the verification is passed, signing the virtual account transfer request by using an account private key and a receiving line private key, and sending the signed virtual account transfer request to the block chain network.
5. A payroll server, comprising:
the request receiving module is used for receiving a bank account transfer request, and the bank account transfer request comprises the following components: a payment account, a collection account, and a transfer amount;
a request generation module, configured to generate a virtual account transfer request according to the bank account transfer request, where the virtual account transfer request includes: a payment virtual account, a collection virtual account and a virtual currency amount;
and the request sending module is used for sending the virtual account transfer request to a block chain network, wherein the block chain network pushes the virtual account transfer request to a receiving bank server, and the receiving bank server returns a transfer transaction result according to the virtual account transfer request.
6. The payment row server of claim 5 further comprising:
the request verification module is used for verifying payment virtual accounts, receiving virtual accounts and virtual currency amount in the virtual account transfer request before sending the virtual account transfer request to the block chain network;
the request sending module is further used for carrying out endorsement operation on the virtual account transfer request and sending the virtual account transfer request to a block chain network if the verification is passed.
7. A checkout line server, comprising:
the request receiving module is used for receiving a virtual account transfer request pushed by a block chain network, wherein the virtual account transfer request is generated by a payment bank server according to a bank account transfer request and is sent to the block chain network, and the bank account transfer request comprises: the virtual account transfer request comprises a payment account, a collection account and a transfer amount, wherein the virtual account transfer request comprises: a payment virtual account, a collection virtual account and a virtual currency amount;
and the result returning module is used for returning a transfer transaction result according to the virtual account transfer request.
8. The cash register server of claim 7, further comprising:
the request checking module is used for checking a payment virtual account, a collection virtual account and the virtual money amount in the virtual account transfer request before returning a transfer transaction result according to the virtual account transfer request;
and the result returning module is further used for signing the virtual account transfer request by using an account private key and a receiving line private key if the verification is passed, and sending the signed virtual account transfer request to the block chain network.
9. A bank transfer system based on a blockchain network, comprising: a payline server, a payline server and a blockchain network, wherein the payline server comprises the payline server of any one of claims 5-6 and the payline server comprises the payline server of any one of claims 7-8.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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