CN111986022B - Transaction quota processing method and system based on blockchain and nodes - Google Patents

Transaction quota processing method and system based on blockchain and nodes Download PDF

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Publication number
CN111986022B
CN111986022B CN202010841713.6A CN202010841713A CN111986022B CN 111986022 B CN111986022 B CN 111986022B CN 202010841713 A CN202010841713 A CN 202010841713A CN 111986022 B CN111986022 B CN 111986022B
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transaction
quota
financial institution
node
request
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CN111986022A (en
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李�昊
党娜
刘洋
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Bank of China Ltd
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Bank of China Ltd
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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

The invention discloses a transaction quota processing method and system based on a blockchain and each node, wherein transaction quota processing participant nodes form a blockchain network, and the method comprises the following steps: client nodes, financial institution nodes and service provider nodes; wherein the method comprises the following steps: the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network; the client node receives a transaction payment request input by a user according to the service confirmation request and sends the transaction payment request to the blockchain network; inquiring transaction quota according to the transaction payment request and the related scene type by the payment financial institution node, generating a quota verification request and sending the quota verification request to the blockchain network; each verifying financial institution node verifies whether the excess is exceeded according to the verifying request, generates a quota verifying result and sends the quota verifying result to the blockchain network; and when all the verification results are that the proportion of the non-overrun is larger than or equal to the preset value, the payment financial institution node processes transaction payment. The invention can flexibly and safely process the transaction quota and improve the user experience.

Description

Transaction quota processing method and system based on blockchain and nodes
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a transaction quota processing method and system based on a blockchain, and each node.
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.
With the increasing number of consumption scenes, people in different business circles consume very different people. However, each financial institution such as a bank can only set a fixed limit for consumer transactions, which can cause the client to pay out of limit in the scene of high-people consumption, so that the use experience of the client is affected, and in addition, the transaction limit processing scheme has a plurality of potential safety hazards.
Disclosure of Invention
The embodiment of the invention provides a transaction quota processing method based on a blockchain, which is used for flexibly and safely processing transaction quota, wherein transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a client node, a payment financial institution node, a validation financial institution node, and a service provider node, the method comprising:
when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network;
The client node receives a service confirmation request sent through the blockchain network, receives a transaction payment request input by a user according to the service confirmation request, and sends the transaction payment request to the blockchain network;
the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network;
each verification financial institution node receives a quota verification request sent by a payment financial institution node through a blockchain network, verifies whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generates a quota verification result, and sends the quota verification result to the blockchain network;
and the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, an account is pre-established in the payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into the account of the service provider.
The embodiment of the invention also provides a transaction quota processing method based on the blockchain, which is used for flexibly and safely processing the transaction quota, wherein the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a client node, a payment financial institution node, a validation financial institution node, and a service provider node, the method comprising:
receiving a transaction payment request sent by a client node through a blockchain network;
identifying a scene type involved in the transaction payment request;
inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type;
generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network;
receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
when the proportion of the non-overrun limit verification result is larger than or equal to a preset value, an account is pre-established in a payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into a service provider account.
The embodiment of the invention also provides a transaction quota processing method based on the blockchain, which is used for flexibly and safely processing the transaction quota, wherein the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a client node, a payment financial institution node, a validation financial institution node, and a service provider node, the method comprising:
receiving a quota verification request sent by a payment financial institution node through a blockchain network;
verifying whether settlement data corresponding to the transaction payment request exceeds transaction limit amount, and generating a limit verification result;
and sending the quota verification result to the blockchain network.
The embodiment of the invention also provides a transaction quota processing system based on the blockchain, which is used for flexibly and safely performing transaction quota processing, wherein the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; wherein:
a service provider node for generating a service confirmation request and transmitting the service confirmation request to the blockchain network when each service is completed;
The client node is used for receiving a service confirmation request sent by the blockchain network, receiving a transaction payment request input by a user according to the service confirmation request, and sending the transaction payment request to the blockchain network;
the payment financial institution node is used for receiving a transaction payment request sent by the client side node through the blockchain network and identifying a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; receiving limit verification results sent by all verification financial institution nodes through a blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, pre-establishing accounts from a client side in payment financial institution nodes, and drawing settlement data corresponding to transaction payment requests into service provider accounts;
each verifying financial institution node is used for receiving a quota verifying request sent by the payment financial institution node through the blockchain network, verifying whether settlement data corresponding to the transaction payment request exceeds the transaction quota, generating a quota verifying result, and sending the quota verifying result to the blockchain network.
The embodiment of the invention also provides a block chain-based transaction quota processing payment financial institution node which is used for flexibly and safely performing transaction quota processing, wherein the transaction quota processing participant nodes form a block chain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; the blockchain-based transaction quota processing payment financial institution node includes:
the first receiving unit is used for receiving a transaction payment request sent by a client node through a blockchain network; receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
the identification unit is used for identifying the scene type related to the transaction payment request;
the inquiring unit is used for inquiring transaction limit amount preset by the client side in the financial institution according to the transaction payment request and the related scene type;
the verification request generation unit is used for generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type;
a first transmitting unit for transmitting a quota verifying request to the blockchain network;
and the payment processing unit is used for drawing settlement data corresponding to the transaction payment request into the service provider account from the client side in the payment financial institution node pre-established account when the ratio of the non-overrun limit verification result is larger than or equal to the preset value.
The embodiment of the invention also provides a block chain-based transaction quota processing verification financial institution node which is used for flexibly and safely performing transaction quota processing, wherein the transaction quota processing participant nodes form a block chain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; verifying the financial institution node based on the blockchain transaction quota processing includes:
the second receiving unit is used for receiving a quota verification request sent by the payment financial institution node through the blockchain network;
the verification unit is used for verifying whether the settlement data corresponding to the transaction payment request exceeds the transaction quota, and generating a quota verification result;
and the second sending unit is used for sending the quota verifying result to the blockchain network.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the transaction quota processing method based on the block chain when executing the computer program.
Embodiments of the present invention also provide a computer-readable storage medium storing a computer program for executing the above-described blockchain-based transaction allowance processing method.
In the transaction quota processing scheme based on the blockchain, the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; by: when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network; the client node receives a service confirmation request sent through the blockchain network, receives a transaction payment request input by a user according to the service confirmation request, and sends the transaction payment request to the blockchain network; the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; each verification financial institution node receives a quota verification request sent by a payment financial institution node through a blockchain network, verifies whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generates a quota verification result, and sends the quota verification result to the blockchain network; and the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, an account is pre-established from a client side in the payment financial institution node, and settlement data corresponding to a transaction payment request is credited into a service provider account, so that transaction limit processing is flexibly and safely carried out, and user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of a blockchain-based transaction quota processing method applied to a system in accordance with an embodiment of the invention;
FIG. 2 is a flow chart of a blockchain-based transaction quota processing method applied to a payment financial institution node in accordance with an embodiment of the invention;
FIG. 3 is a flow chart of a blockchain-based transaction quota processing method applied to verifying a financial institution node in accordance with an embodiment of the invention;
FIG. 4 is a block chain based transaction quota processing system in accordance with an embodiment of the invention;
FIG. 5 is a block chain based transaction quota processing payment financial institution node in accordance with an embodiment of the invention;
FIG. 6 is a block chain based transaction quota processing verification financial institution node architecture in accordance with an embodiment of the invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
Before describing the technical scheme provided by the embodiment of the invention, nouns related to the embodiment of the invention are first described.
1. Transaction quota: the transaction limit of each time the cardholder uses the card is respectively set by the card issuing bank according to the authentication tool, the transaction channel and the transaction type condition of the cardholder, and comprises a single maximum limit and daily accumulation, and the cardholder can adjust at the counter.
2. Blockchain: blockchains are novel application modes of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and the like. From the application perspective, the blockchain is simply a distributed shared ledger and database, and has the characteristics of decentralization, non-falsification, whole trace, traceability, collective maintenance, disclosure transparency and the like.
The invention provides a transaction quota processing scheme based on a blockchain, which considers the characteristics of tamper-proof, source-following, collective maintenance and public transparency of the blockchain technology, and can solve the problems by setting different transaction quota for different scenes along with the deep application, namely, the invention adopts a alliance chain based on the Ethernet technology to solve the problem of mutual recognition of clients among different banks, and can perform scene-based cross-line transaction quota unified setting and transaction quota processing.
The blockchain-based transaction quota processing scheme is described in detail below.
FIG. 1 is a flow chart of a blockchain-based transaction quota processing method applied to a system in an embodiment of the invention, wherein transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a validation financial institution node and a service provider node, as shown in fig. 1, the method comprising the steps of:
step 101: when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network;
step 102: the client node receives a service confirmation request sent through the blockchain network, receives a transaction payment request input by a user according to the service confirmation request, and sends the transaction payment request to the blockchain network;
step 103: the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network;
Step 104: each verification financial institution node receives a quota verification request sent by a payment financial institution node through a blockchain network, verifies whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generates a quota verification result, and sends the quota verification result to the blockchain network;
step 105: and the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, an account is pre-established in the payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into the account of the service provider.
The transaction quota processing method based on the blockchain provided by the embodiment of the invention comprises the following steps: according to the scene type of the transaction performed by the user, different quota processing is performed, and the flexibility of the transaction quota processing is improved. Secondly, based on the blockchain technology, quota processing is carried out, a payment financial institution can be determined through a financial institution identifier such as a bank identifier in a transaction payment request, for example, a user pays a certain service consumption by using a bank card of an A bank, and then the bank corresponding to the code can be determined to be the A bank through the code 0001 of the institution, namely the A bank is the payment financial institution; the payment financial institution node generates a quota verification request and sends the quota verification request to other financial institution nodes, namely a plurality of verification financial institution nodes, and each verification financial institution node performs verification processing according to transaction quota data preset by a user after the payment financial institution node is uplink of the node, so as to obtain a quota verification result; the payment financial institution node judges according to the limit verification results sent by all the verification financial institution nodes through the blockchain network, when the proportion of the limit verification results which are not exceeded is larger than or equal to a preset value, transaction payment processing is completed, and the limit verification results which are based on the transaction payment processing are independent of any single bank node, so that the verification safety is improved.
In summary, the transaction quota processing method based on the blockchain provided by the embodiment of the invention improves the flexibility and the safety of transaction quota processing, thereby greatly improving the experience of users.
In one embodiment, in step 103, the payment financial institution node receives a transaction payment request sent by a client node through a blockchain network, and identifies a scenario type to which the transaction payment request relates; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; according to the transaction quota, the transaction payment request and the related scene type, a quota verification request is generated, and the quota verification request is sent to the blockchain network, which can comprise:
the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type; according to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
In specific implementation, the implementation of the quota according to the scene type further improves the safety and flexibility of transaction quota processing.
In one embodiment, the blockchain-based transaction quota processing method may further include: the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, and when the proportion of the limit verification results which are not exceeded is smaller than a preset value, transaction overrun reminding information is sent to the blockchain network;
and the client side node receives the transaction overrun reminding information and displays the transaction overrun reminding information to the user.
In the specific implementation, the scheme for obtaining the transaction overrun reminding information and feeding the transaction overrun reminding information back to the user further improves the safety and flexibility of transaction quota processing.
To facilitate an understanding of how the present invention may be implemented, the following illustrates the detailed steps of a blockchain-based transaction quota processing method provided by embodiments of the present invention.
1. First, some preliminary steps before implementing the blockchain-based transaction quota processing scheme in the embodiment of the invention, such as a step of establishing a coalition chain, a step of uplink to each node, i.e. a step of constructing a blockchain network, and a step of presetting a transaction quota, will be described. The module involved in this step one may be located in any banking node.
1. Service acceptance and query module: receiving a transaction quota setting request of a client (user) based on a scene, wherein the request content comprises a name, an identity card number, a transaction type, a transaction channel, a scene name M, a scene single quota L to be set, a scene daily accumulated quota C to be set, a card number 1, a bank identification 1, a card number 2, a bank identification 2, a processing state S and the like, and sending the request to a cross-bank alliance chain sub-module.
2. Cross-row federation chain submodule: building a alliance chain, and selecting nodes to access by each bank to establish consensus. There is again a need to develop smart contracts to deploy into the blockchain. And receiving a request from the business acceptance and query module, uploading the request, performing client information consensus verification, triggering an intelligent contract to update the request, and sending the request to the card attribution verification module.
3. Card attribution verification module: according to the bank identification in the request, through a card attribution verification API provided by a certain bank on the alliance chain, verifying that all card numbers in the request belong to the customer one by one, if all verification succeeds, setting up transaction quota based on a scene successfully, and marking the processing state S as successful; otherwise, the flag processing state S is "failed".
2. Next, the steps of the blockchain-based transaction quota processing, i.e., the steps of the consumption flow, settlement processing are described:
1. scene quota query module: the system is used for receiving a scene-based consumption request (transaction payment request), and the request content comprises a card number, a bank identifier, a consumption amount, a name, an identity card number, a merchant name, a scene name and a transaction channel. The scene name, the identity card number, the card number and the bank identification are sent to a cross-row alliance chain sub-module, namely, a client side node sends a transaction payment request through a blockchain network so as to inquire a scene single quota L set by a client, a scene daily accumulated quota C is identified, namely, a scene type is identified, and according to the transaction payment request and the related scene type, the transaction quota preset by the client side at a financial institution is inquired.
In one embodiment, scene types can be divided into four major categories: personal transactions, online consumer transactions, offline consumer transactions, and financial transactions. Wherein the offline consumer transaction may include 9 classes: super retail, restaurant payments, group purchases/takeouts, personal health/care, ticket entertainment, travel/shopping, scenic spot tickets, transportation trips, among others.
2. The maximum limit query module: according to the card number of the consumption request and the bank identification, inquiring the highest single-stroke quota V and the highest daily accumulated W through a card quota inquiring API provided by the bank, if L < = V and C < = W, the scene quota is effective, and sending the scene single-stroke quota L and the scene daily accumulated quota C to a scene quota verification module; otherwise, the default quota is used for verification. The maximum limit query module may be located within the payment financial institution node.
3. Scene quota verification module: according to the consumption amount in the consumption request and the scene single quota L, the scene accumulates the quota C every day, whether the consumption amount exceeds the limit is verified through a verification API provided by a certain bank, and if the consumption does not exceed the limit, a verification result which does not exceed the limit is sent to a payment financial institution node through a blockchain network. (the scenario quota verifying module may be provided in the verifying financial institution node, where scenario quota verification is a step to be performed by each banking node, i.e. a step to be performed by each verifying financial institution node)
4. And a payment confirmation module: and inquiring and prompting a customer to select a security tool according to the consumption request, and carrying out payment through a payment confirmation module API provided by a certain bank according to a bank identifier in the request after the selection is completed. The payment confirmation module may be disposed within the payment financial institution node.
The embodiment of the invention also provides a blockchain-based transaction limit processing method applied to the payment financial institution node, as described in the following embodiment. Since the principle of solving the problem by the blockchain-based transaction limit prescription method applied to the payment financial institution node is similar to that of the blockchain-based transaction limit prescription method applied to the system, the implementation of the blockchain-based transaction limit method applied to the payment financial institution node can be referred to the implementation of the blockchain-based transaction limit method applied to the system, and the repetition is omitted.
FIG. 2 is a flow chart of a blockchain-based transaction quota processing method applied to payment financial institution nodes in an embodiment of the invention, wherein the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; as shown in fig. 2, the blockchain-based transaction quota processing method applied to a payment financial institution node includes the steps of:
step 201: receiving a transaction payment request sent by a client node through a blockchain network;
Step 202: identifying a scene type involved in the transaction payment request;
step 203: inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type;
step 204: generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network;
step 205: receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
step 206: when the proportion of the non-overrun limit verification result is larger than or equal to a preset value, an account is pre-established in a payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into a service provider account.
In one embodiment, according to the transaction payment request and the related scene type, inquiring the transaction limit preset by the client in the financial institution may include:
inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type;
according to the transaction quota, the transaction payment request and the related scene type, a quota verification request is generated, and the quota verification request is sent to the blockchain network, which can comprise:
According to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
In one embodiment, the blockchain-based transaction quota processing method may further include:
receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
and when the non-overrun proportion of all the quota verification results is smaller than the preset value, sending transaction overrun reminding information to the blockchain network.
The embodiment of the invention also provides a blockchain-based transaction limit position method applied to verifying the financial institution node, as described in the following embodiment. Since the principle of solving the problem by the blockchain-based transaction limit prescription method applied to the verification financial institution node is similar to that of the blockchain-based transaction limit prescription method applied to the system, the implementation of the blockchain-based transaction limit method applied to the verification financial institution node can be referred to the implementation of the blockchain-based transaction limit method applied to the system, and the repetition is omitted.
FIG. 3 is a flow chart of a blockchain-based transaction quota processing method applied to verifying financial institution nodes in an embodiment of the invention, wherein the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; as shown in fig. 3, the blockchain-based transaction quota processing method includes the following steps:
Step 301: receiving a quota verification request sent by a payment financial institution node through a blockchain network;
step 302: verifying whether settlement data corresponding to the transaction payment request exceeds transaction limit amount, and generating a limit verification result;
step 303: and sending the quota verification result to the blockchain network.
The embodiment of the invention also provides a transaction quota processing system based on the blockchain, as described in the following embodiment. Since the principle of the system for solving the problem is similar to that of the method applied to the system based on the block chain transaction limit, the implementation of the system can be referred to the implementation of the method applied to the system based on the block chain transaction limit, and the repetition is omitted.
FIG. 4 is a schematic diagram of a block chain based transaction quota processing system in which transaction quota processing participant nodes form a block chain network in accordance with an embodiment of the invention; as shown in fig. 4, the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; wherein:
a service provider node 01 for generating a service confirmation request and transmitting the service confirmation request to the blockchain network when each service is completed;
The client node 02 is configured to receive a service confirmation request sent through the blockchain network, receive a transaction payment request input by a user according to the service confirmation request, and send the transaction payment request to the blockchain network;
the payment financial institution node 03 is configured to receive a transaction payment request sent by a client node through a blockchain network, and identify a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; receiving limit verification results sent by all verification financial institution nodes through a blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, pre-establishing accounts from a client side in payment financial institution nodes, and drawing settlement data corresponding to transaction payment requests into service provider accounts;
each verifying financial institution node 04 is configured to receive a quota verifying request sent by a payment financial institution node through a blockchain network, verify whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generate a quota verifying result, and send the quota verifying result to the blockchain network.
In one embodiment, the payment financial institution node may be specifically configured to: receiving a transaction payment request sent by a client node through a blockchain network, and identifying a scene type related to the transaction payment request; inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type; according to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
In one embodiment, the payment financial institution node may be further configured to receive a quota verification result sent by all the verification financial institution nodes through the blockchain network, and send a transaction overrun reminding message to the blockchain network when the ratio of the quota verification result is that the ratio of the non-overrun value is smaller than a preset value;
the client node can also be used for receiving the transaction overrun reminding information and displaying the transaction overrun reminding information to the user.
The embodiment of the invention also provides a blockchain-based transaction quota processing payment financial institution node, as described in the following embodiment. Since the principle of the payment financial institution node for solving the problem is similar to that of the blockchain-based transaction limit prescription method applied to the system, the implementation of the payment financial institution node can refer to the implementation of the blockchain-based transaction limit method applied to the system, and the repetition is omitted.
FIG. 5 is a schematic diagram of a block chain based transaction quota processing payment financial institution node in accordance with an embodiment of the invention, the transaction quota processing participant nodes comprising a block chain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; as shown in fig. 5, the blockchain-based transaction quota processing payment financial institution node includes:
a first receiving unit 031, configured to receive a transaction payment request sent by a client node through a blockchain network; receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
an identifying unit 032, configured to identify a scene type related to the transaction payment request;
a query unit 033, configured to query a transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type;
a verification request generating unit 034, configured to generate a quota verification request according to the transaction quota, the transaction payment request and the related scene type;
a first sending unit 035 for sending a quota verifying request to the blockchain network;
and the payment processing unit 036 is used for drawing settlement data corresponding to the transaction payment request into the service provider account from the client side in the payment financial institution node pre-established account when the ratio of all the quota verification results that the non-overrun ratio is larger than or equal to the preset value.
In one embodiment, the query unit may specifically be configured to: inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type;
the authentication request generation unit may specifically be configured to: and generating a limit verification request according to the single transaction limit and the daily accumulated transaction limit, the transaction payment request and the related scene type.
In one embodiment, the payment processing unit may be further configured to: and when the non-overrun proportion of all the quota verification results is smaller than the preset value, sending transaction overrun reminding information to the blockchain network.
In particular implementations, the payment financial institution node may also include functionality to authenticate the financial institution node, i.e., may also include various elements to authenticate the financial institution node.
The embodiment of the invention also provides a blockchain-based transaction quota processing verification financial institution node, as described in the following embodiments. Because the principle of solving the problem by the verification financial institution node is similar to that of the block chain based transaction limit prescription method applied to the system, the implementation of the verification financial institution node can refer to the implementation of the block chain based transaction limit method applied to the system, and the repetition is omitted.
FIG. 6 is a schematic diagram of a block chain based transaction quota processing verifying financial institution node in accordance with an embodiment of the invention, the transaction quota processing participant nodes comprising a block chain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; as shown in fig. 6, the blockchain-based transaction quota processing validates financial institution nodes including:
a second receiving unit 041, configured to receive a quota verification request sent by a payment financial institution node through a blockchain network;
the verification unit 042 is used for verifying whether the settlement data corresponding to the transaction payment request exceeds the transaction quota, and generating a quota verification result;
and the second sending unit 043 is used for sending the quota verifying result to the blockchain network.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the transaction quota processing method based on the block chain when executing the computer program.
In particular implementations, the validating financial institution node may also include the functionality of the paying financial institution node, i.e., may also include the individual elements of the paying financial institution node.
Embodiments of the present invention also provide a computer-readable storage medium storing a computer program for executing the above-described blockchain-based transaction allowance processing method.
In the transaction quota processing scheme based on the blockchain, the transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: client side nodes, payment financial institution nodes, authentication financial institution nodes and service provider nodes; by: when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network; the client node receives a service confirmation request sent through the blockchain network, receives a transaction payment request input by a user according to the service confirmation request, and sends the transaction payment request to the blockchain network; the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; each verification financial institution node receives a quota verification request sent by a payment financial institution node through a blockchain network, verifies whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generates a quota verification result, and sends the quota verification result to the blockchain network; and the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, an account is pre-established from a client side in the payment financial institution node, and settlement data corresponding to a transaction payment request is credited into a service provider account, so that transaction limit processing is flexibly and safely carried out, and user experience is improved.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims (16)

1. A transaction quota processing method based on a blockchain is characterized in that transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; the transaction quota processing method based on the blockchain comprises the following steps:
when each service is completed, the service provider node generates a service confirmation request and sends the service confirmation request to the blockchain network;
the client node receives a service confirmation request sent through the blockchain network, receives a transaction payment request input by a user according to the service confirmation request, and sends the transaction payment request to the blockchain network;
the payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network;
Each verification financial institution node receives a quota verification request sent by a payment financial institution node through a blockchain network, verifies whether settlement data corresponding to the transaction payment request exceeds a transaction quota, generates a quota verification result, and sends the quota verification result to the blockchain network;
and the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, an account is pre-established in the payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into the account of the service provider.
2. The blockchain-based transaction quota processing method of claim 1, wherein the payment financial institution node receives a transaction payment request sent by the client node over a blockchain network, identifying a scenario type to which the transaction payment request relates; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to a blockchain network, wherein the method comprises the following steps of:
The payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network and identifies a scene type related to the transaction payment request; inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type; according to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
3. The blockchain-based transaction quota processing method of claim 1, further comprising: the payment financial institution node receives limit verification results sent by all verification financial institution nodes through the blockchain network, and when the proportion of the limit verification results which are not exceeded is smaller than a preset value, transaction overrun reminding information is sent to the blockchain network;
and the client side node receives the transaction overrun reminding information and displays the transaction overrun reminding information to the user.
4. A transaction quota processing method based on a blockchain is characterized in that the method is applied to payment financial institution nodes, and transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; the transaction quota processing method based on the blockchain comprises the following steps:
Receiving a transaction payment request sent by a client node through a blockchain network; the transaction payment request is a transaction payment request input by a user is received by a client node according to a service confirmation request; the service confirmation request is generated by the service provider node when each service is completed;
identifying a scene type involved in the transaction payment request;
inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type;
generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; each verification financial institution node is used for receiving a quota verification request sent by a payment financial institution node through a blockchain network, verifying whether settlement data corresponding to a transaction payment request exceeds a transaction quota, generating a quota verification result, and sending the quota verification result to the blockchain network;
receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
when the proportion of the non-overrun limit verification result is larger than or equal to a preset value, an account is pre-established in a payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into a service provider account.
5. The blockchain-based transaction limit processing method of claim 4, wherein querying the transaction limit preset by the client at the financial institution according to the transaction payment request and the related scene type comprises:
inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type;
generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to a blockchain network, wherein the method comprises the following steps of:
according to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
6. The blockchain-based transaction quota processing method of claim 4, further comprising:
receiving quota verification results sent by all verification financial institution nodes through a blockchain network;
and when the non-overrun proportion of all the quota verification results is smaller than the preset value, sending transaction overrun reminding information to the blockchain network.
7. A transaction quota processing method based on a blockchain is characterized in that the method is applied to verifying financial institution nodes, and transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; the transaction quota processing method based on the blockchain comprises the following steps:
receiving a quota verification request sent by a payment financial institution node through a blockchain network; the quota verification request is generated by a payment financial institution node according to the transaction quota, the transaction payment request and the related scene type; the transaction limit is a transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type by a payment financial institution node; the scene type is that a payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network, and the scene type related to the transaction payment request is identified; the transaction payment request is a service confirmation request sent by a client node through a blockchain network, and the transaction payment request input by a user is received; the service confirmation request is generated by the service provider node when each service is completed;
Verifying whether settlement data corresponding to the transaction payment request exceeds transaction limit amount, and generating a limit verification result;
transmitting the quota verification result to a blockchain network; the payment financial institution node is used for receiving quota verification results sent by all verification financial institution nodes through the blockchain network, and when the ratio of the non-overrun quota verification results is larger than or equal to a preset value, an account is pre-established in the payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into a service provider account.
8. A blockchain-based transaction quota processing system, wherein transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; wherein:
a service provider node for generating a service confirmation request and transmitting the service confirmation request to the blockchain network when each service is completed;
the client node is used for receiving a service confirmation request sent by the blockchain network, receiving a transaction payment request input by a user according to the service confirmation request, and sending the transaction payment request to the blockchain network;
The payment financial institution node is used for receiving a transaction payment request sent by the client side node through the blockchain network and identifying a scene type related to the transaction payment request; inquiring transaction limit amount preset by a client in a financial institution according to a transaction payment request and a related scene type; generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type, and sending the quota verification request to the blockchain network; receiving limit verification results sent by all verification financial institution nodes through a blockchain network, and when the proportion of the limit verification results which are not exceeded is greater than or equal to a preset value, pre-establishing accounts from a client side in payment financial institution nodes, and drawing settlement data corresponding to transaction payment requests into service provider accounts;
each verifying financial institution node is used for receiving a quota verifying request sent by the payment financial institution node through the blockchain network, verifying whether settlement data corresponding to the transaction payment request exceeds the transaction quota, generating a quota verifying result, and sending the quota verifying result to the blockchain network.
9. The blockchain-based transaction quota processing system of claim 8 wherein the payment financial institution node is specifically configured to: receiving a transaction payment request sent by a client node through a blockchain network, and identifying a scene type related to the transaction payment request; inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type; according to the single transaction limit and the daily accumulated transaction limit, a transaction payment request and the related scene type, a limit verification request is generated, and the limit verification request is sent to the blockchain network.
10. The blockchain-based transaction quota processing system of claim 8 wherein the payment financial institution node is further configured to receive quota verification results sent by all verification financial institution nodes through the blockchain network, and send a transaction overrun alert message to the blockchain network when a proportion of all quota verification results that are not overrun is less than a preset value;
the client side node is also used for receiving the transaction overrun reminding information and displaying the transaction overrun reminding information to the user.
11. A blockchain-based transaction quota processing payment financial institution node, wherein transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; the blockchain-based transaction quota processing payment financial institution node includes:
the first receiving unit is used for receiving a transaction payment request sent by a client node through a blockchain network; receiving quota verification results sent by all verification financial institution nodes through a blockchain network; the transaction payment request is a transaction payment request input by a user is received by a client node according to a service confirmation request; the service confirmation request is generated by the service provider node when each service is completed;
The identification unit is used for identifying the scene type related to the transaction payment request;
the inquiring unit is used for inquiring transaction limit amount preset by the client side in the financial institution according to the transaction payment request and the related scene type;
the verification request generation unit is used for generating a quota verification request according to the transaction quota, the transaction payment request and the related scene type; each verification financial institution node is used for receiving a quota verification request sent by a payment financial institution node through a blockchain network, verifying whether settlement data corresponding to a transaction payment request exceeds a transaction quota, generating a quota verification result, and sending the quota verification result to the blockchain network;
a first transmitting unit for transmitting a quota verifying request to the blockchain network;
and the payment processing unit is used for drawing settlement data corresponding to the transaction payment request into the service provider account from the client side in the payment financial institution node pre-established account when the ratio of the non-overrun limit verification result is larger than or equal to the preset value.
12. The blockchain-based transaction quota processing payment financial institution node as in claim 11, wherein the querying unit is specifically configured to: inquiring a single transaction limit and a daily accumulated transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type;
The verification request generation unit is specifically configured to: and generating a limit verification request according to the single transaction limit and the daily accumulated transaction limit, the transaction payment request and the related scene type.
13. The blockchain-based transaction quota processing payment financial institution node as in claim 11, wherein the payment processing unit is further for: and when the non-overrun proportion of all the quota verification results is smaller than the preset value, sending transaction overrun reminding information to the blockchain network.
14. A blockchain-based transaction quota processing verification financial institution node, wherein transaction quota processing participant nodes form a blockchain network; the transaction quota processing participant node comprises: a customer side node, a payment financial institution node, a plurality of authentication financial institution nodes, and a service provider node; verifying the financial institution node based on the blockchain transaction quota processing includes:
the second receiving unit is used for receiving a quota verification request sent by the payment financial institution node through the blockchain network; the quota verification request is generated by a payment financial institution node according to the transaction quota, the transaction payment request and the related scene type; the transaction limit is a transaction limit preset by a client in a financial institution according to a transaction payment request and a related scene type by a payment financial institution node; the scene type is that a payment financial institution node receives a transaction payment request sent by a client side node through a blockchain network, and the scene type related to the transaction payment request is identified; the transaction payment request is a service confirmation request sent by a client node through a blockchain network, and the transaction payment request input by a user is received; the service confirmation request is generated by the service provider node when each service is completed;
The verification unit is used for verifying whether the settlement data corresponding to the transaction payment request exceeds the transaction quota, and generating a quota verification result;
the second sending unit is used for sending the quota verification result to the blockchain network; the payment financial institution node is used for receiving quota verification results sent by all verification financial institution nodes through the blockchain network, and when the ratio of the non-overrun quota verification results is larger than or equal to a preset value, an account is pre-established in the payment financial institution node from a client side, and settlement data corresponding to the transaction payment request is credited into a service provider account.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 7 when executing the computer program.
16. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 7.
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