CN112950206A

CN112950206A - Block chain-based social security fund payment method and device and service management platform

Info

Publication number: CN112950206A
Application number: CN202110305398.XA
Authority: CN
Inventors: 王恩雷; 邬星; 赵水潮
Original assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Current assignee: Industrial and Commercial Bank of China Ltd ICBC; ICBC Technology Co Ltd
Priority date: 2021-03-22
Filing date: 2021-03-22
Publication date: 2021-06-11

Abstract

The embodiment of the application provides a social security fund payment method and device based on a block chain and a service management platform, which can be used in the technical field of the block chain, and the method comprises the following steps: receiving an encrypted social security fund payment instruction sent by a service management platform from a preset block link; forwarding the social security fund payment instruction to the corresponding commercial bank node, so that the commercial bank node initiates payment operation for paying the fund amount from the outbound account to the inbound account and generates a corresponding encrypted payment result after verifying that the validity of the social security fund payment instruction passes; and sending the encrypted payment result to the service management platform, and encrypting and storing the social security fund payment instruction and the data corresponding to the payment operation in the block chain. The method and the device can improve the efficiency of the social security fund payment, can realize that the data of the payment operation in the social security fund payment process is transparent, can not be tampered and traceable, can reduce the operation risk in the social security fund payment process, and improve the data security.

Description

Block chain-based social security fund payment method and device and service management platform

Technical Field

The application relates to the technical field of data processing, in particular to the technical field of block chains, and specifically relates to a social security fund payment method and device based on a block chain and a service management platform.

Background

The general collection and payment mode in the social security fund means that all cash collection and payment activities of organs/enterprises are concentrated in financial departments of superior organs, no independent account is set in each region, and all cash expenses are paid out through the financial departments; or the lower level organization sets up a single account number, but the cash receiving and paying activity control right is assigned to the upper level organization by means of 'receiving and paying two lines', cash merging, account centralization and the like. That is, the payment process of the social security fund is related to both the unified income and the unified payment, for example, the unified income relates to the social security fund payment process from the county level social security institution, the city level social security institution, the province level social security institution to the financial department from the bottom, and the unified payment relates to the social security fund payment process from the county level social security institution to the financial department, the province level social security institution, the city level social security institution from the top.

The current social security fund payment mode is generally that a monomer application is newly built in each government area, a relational database is used for storing data, the data are directly exchanged with a social security service and financial system, a tax system and other relational systems in an interface butt joint mode, and data such as approval, fund transfer and the like on the whole social security fund management link are dispersedly stored in each system.

However, the conventional social security fund payment method has the problems of low payment efficiency, opaque information, operational risk, easiness in loss or counterfeiting and the like.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a block chain-based social security fund payment method, a block chain-based social security fund payment device and a service management platform, which can effectively improve the efficiency of the social security fund payment, can realize the data disclosure, transparency, non-falsification and traceability of payment operation in the process of the social security fund payment, and can effectively reduce the operation risk in the process of the social security fund payment and improve the data security.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a first block chain-based social security fund payment method, including:

receiving an encrypted social security fund payment instruction sent by a service management platform from a preset block link, wherein the social security fund payment instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount;

according to the unique identification of the commercial bank, informing the corresponding commercial bank node of obtaining the social security fund shifting instruction from the block chain, so that after the commercial bank node obtains the social security fund shifting instruction and verifies that the validity of the social security fund shifting instruction passes, according to the unique identification of the roll-out account and the unique identification of the roll-in account, initiating a payment operation aiming at the payment fund amount from the roll-out account to the roll-in account and generating a corresponding encrypted payment result;

and sending the encrypted payment result to the service management platform, and encrypting and storing the social security fund payment instruction and the data corresponding to the payment operation in the block chain.

Further, still include:

sending a social security fund collection confirmation instruction notice to the commercial bank node, wherein the social security fund collection confirmation instruction notice comprises the unique identifier of the transferred-out account, the unique identifier of the transferred-in account and the amount of the collected fund;

receiving a collection confirmation instruction acquisition request sent by the commercial bank node after verifying that the validity of the social security fund collection confirmation instruction notification passes;

sending the social security fund collection confirmation instruction informing a corresponding social security fund collection confirmation instruction to the commercial bank node according to the collection confirmation instruction acquisition request so that the commercial bank node performs collection confirmation operation based on the social security fund collection confirmation instruction to generate an encrypted collection result;

and sending the encrypted collection result to the service management platform, and encrypting and storing the social security fund payment instruction and the account data corresponding to the collection confirmation operation in the block chain.

Further, the notifying, according to the unique identifier of the commercial bank, a corresponding commercial bank node to acquire the social security fund payment instruction from the block chain, so that after the commercial bank node acquires the social security fund payment instruction and verifies that the validity of the social security fund payment instruction passes, initiating a payment operation for the payment fund amount from the roll-out account to the roll-in account according to the unique identifier of the roll-out account and the unique identifier of the roll-in account and generating a corresponding encrypted payment result includes:

sending a social security fund payment instruction notice corresponding to the social security fund payment instruction to a corresponding commercial bank node according to the unique identification of the commercial bank;

receiving a social security fund payment instruction acquisition request sent by the commercial bank node after verifying that the validity of the social security fund payment instruction notification passes;

the method comprises the steps of carrying out identity verification on a commercial bank node, notifying the commercial bank node to obtain an encrypted social security fund payment instruction from a block chain after the commercial bank node passes the identity verification, so that the commercial bank node obtains the social security fund payment instruction and carries out decryption processing, verifying a unique identifier of a transfer-out account and a unique identifier of a transfer-in account in the social security fund payment instruction based on a preset white list, and initiating a payment operation aiming at the amount of the payment fund from the transfer-out account to the transfer-in account and generating a corresponding encrypted payment result after the unique identifiers of the transfer-out account and the transfer-in account are verified, wherein the white list is used for storing the unique identifiers of all bank accounts with the payment authority;

and receiving the encrypted payment result sent by the commercial bank node.

Further, still include:

receiving a white list updating instruction, wherein the white list updating instruction comprises white list updating information;

and updating the white list in the block chain according to the white list updating information, and sending the white list updating information to the commercial bank node so that the commercial bank node updates the local white list according to the white list updating information.

Further, still include:

receiving an inquiry request sent by the service management platform, wherein the inquiry request contains inquiry items and a unique identifier of a target inquiry account;

and if the unique identifier of the target inquiry account is inquired in the white list in the block chain, sending the data corresponding to the inquiry items to the service management platform for displaying.

In a second aspect, the present application provides a second block-chain-based social security fund payment method, including:

sending an encrypted social security fund payment instruction to a social security fund payment device based on a block chain, wherein the social security fund payment instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount; based on a preset block chain, the block chain-based social security fund payment device informs a corresponding commercial bank node to acquire the social security fund payment instruction from the block chain according to the unique identification of the commercial bank, so that after the commercial bank node acquires the social security fund payment instruction and verifies that the validity of the social security fund payment instruction passes, payment operation aiming at the amount of the payment fund is initiated from the roll-out account to the roll-in account according to the unique identification of the roll-out account and the unique identification of the roll-in account and a corresponding encrypted payment result is generated;

and receiving the encrypted payment result forwarded by the social security fund payment device based on the block chain.

Further, comprising:

and receiving an encrypted collection result forwarded by the block chain-based social security fund payment device, wherein the encrypted collection result is generated after the commercial bank node performs collection confirmation operation based on a social security fund collection confirmation instruction sent by the block chain-based social security fund payment device.

Further, comprising:

receiving white list updating information and generating a corresponding white list updating instruction;

and sending the white list updating instruction to the block chain-based social security fund payment device so that the block chain-based social security fund payment device updates the white list in the block chain according to the white list updating information, and sending the white list updating information to the commercial bank node so that the commercial bank node updates the local white list according to the white list updating information.

Further, comprising:

receiving query information aiming at a target query account, wherein the query information comprises query items and a unique identifier of the target query account;

generating a corresponding query request according to the query information, and sending the query request to the social security fund payment device based on the block chain, so that when or after the social security fund payment device based on the block chain queries the unique identifier of the target query account in a white list in the block chain, data corresponding to the query items are called;

and receiving and displaying data corresponding to the query items sent by the social security fund payment device based on the block chain.

In a third aspect, the present application provides a block chain-based social security fund payment apparatus, including:

the instruction receiving module is used for receiving an encrypted social security fund transfer instruction sent by the service management platform from a preset block link, wherein the social security fund transfer instruction comprises a unique identifier of a transfer-out account, a unique identifier of a transfer-in account, a unique identifier of a commercial bank and a payment fund amount;

the fund transfer module is used for informing a corresponding commercial bank node of acquiring the social security fund transfer instruction from the block chain according to the unique identifier of the commercial bank, so that after the commercial bank node acquires the social security fund transfer instruction and verifies that the legality of the social security fund transfer instruction passes, initiating a payment operation aiming at the payment fund amount from the roll-out account to the roll-in account according to the unique identifier of the roll-out account and the unique identifier of the roll-in account and generating a corresponding encrypted payment result;

and the result sending module is used for sending the encrypted payment result to the service management platform and encrypting and storing the social security fund payment instruction and the data corresponding to the payment operation in the block chain.

In a fourth aspect, the present application provides a service management platform, including:

the instruction sending module is used for sending an encrypted social security fund shifting instruction to a social security fund shifting device based on a block chain, wherein the social security fund shifting instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount; based on a preset block chain, the block chain-based social security fund payment device informs a corresponding commercial bank node to acquire the social security fund payment instruction from the block chain according to the unique identification of the commercial bank, so that after the commercial bank node acquires the social security fund payment instruction and verifies that the validity of the social security fund payment instruction passes, payment operation aiming at the amount of the payment fund is initiated from the roll-out account to the roll-in account according to the unique identification of the roll-out account and the unique identification of the roll-in account and a corresponding encrypted payment result is generated;

and the result receiving module is used for receiving the encrypted payment result forwarded by the social security fund payment device based on the block chain.

In a fifth aspect, the present application provides a social security fund payment system, including: the system comprises a service management platform, a social security fund payment device and a commercial bank node which are sequentially in communication connection;

the service management platform is used for executing a second social security fund payment method based on the block chain;

the block chain-based social security fund payment device is used for a first block chain-based social security fund payment method.

In a sixth aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the first social security fund payment method or the second social security fund payment method based on a block chain when executing the computer program.

In a seventh aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a first or second block-chain-based social security fund payment method.

According to the technical scheme, the social security fund payment method, the device and the service management platform based on the block chain comprise the following steps: receiving an encrypted social security fund payment instruction sent by a service management platform from a preset block link, wherein the social security fund payment instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount; according to the unique identification of the commercial bank, informing the corresponding commercial bank node of obtaining the social security fund shifting instruction from the block chain, so that after the commercial bank node obtains the social security fund shifting instruction and verifies that the validity of the social security fund shifting instruction passes, according to the unique identification of the roll-out account and the unique identification of the roll-in account, initiating a payment operation aiming at the payment fund amount from the roll-out account to the roll-in account and generating a corresponding encrypted payment result; the encrypted payment result is sent to the service management platform, the social security fund payment instruction and data corresponding to the payment operation are stored in the blockchain in an encrypted mode, the payment operation in the social security fund payment process is completed in the blockchain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost are effectively reduced, the user experience of a social security institution can be effectively improved, the data of the payment operation in the social security fund payment process can be disclosed, transparent, non-falsification and traceable, and the justness, transparency, accuracy and safety of the payment link in the social security fund payment can be guaranteed; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a first flowchart of a first block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 2 is a second flowchart of the first block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 3 is a third flowchart of the first block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 4 is a fourth flowchart of the first block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 5 is a fifth flowchart of the first block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 6 is a first flowchart of a second block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 7 is a second flowchart of the second block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 8 is a third flowchart of the second block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 9 is a fourth flowchart of the second block-chain-based social security fund payment method in the embodiment of the present application.

Fig. 10 is a schematic structural diagram of a block chain-based social security fund payment apparatus in the embodiment of the present application.

Fig. 11 is a schematic structural diagram of a service management platform in the embodiment of the present application.

Fig. 12 is a schematic structural diagram of a social security fund payment system in the embodiment of the present application.

Fig. 13 is a functional diagram of a social security fund payment system in an application example of the present application.

Fig. 14 is a flowchart illustrating a social security fund payment process in an application example of the present application.

Fig. 15 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the social security fund payment method, device and service management platform based on the block chain disclosed in the present application can be used in the technical field of the block chain, and can also be used in any field except the technical field of the block chain.

The existing social security fund payment mode is generally a new monomer application in each administrative area, a relational database is used for storing data, the data are directly exchanged with a social security service and financial system, a tax system and other relational systems in an interface butt joint mode, and the data such as approval, fund flow transfer and the like on the whole social security fund management link are scattered in each system for storage, so that the defects in the following aspects are overcome:

(1) the fund transfer link is long, the levels are multiple, the number of related parties is multiple, the condition of fund flow and information flow is not mastered in time, and the condition of fund arrival cannot be obtained in real time.

(2) The social security fund transfer, treatment and distribution links have the condition of manual processing, the monitoring information is not timely, and certain operation risk exists.

(3) The fund flow direction, the account balance and the service data cannot be related in real time and displayed in a summary mode, and the service management comprehensiveness is insufficient.

(4) The service processing conditions such as budget planning, execution, adjustment, settlement and the like cannot be mastered in real time; the business approval process and results cannot be obtained in real time.

(5) In the data storage service deployed at a single point, key and important data are easy to lose or forge, and data assets are easy to lose.

Aiming at the problems of low dialing efficiency, opaque information, operation risk, easy loss or counterfeiting and the like of the conventional social security fund dialing mode, the application respectively provides a first block chain-based social security fund dialing method, a block chain-based social security fund dialing device for executing the first block chain-based social security fund dialing method, a second block chain-based social security fund dialing method, a service management platform for executing the second block chain-based social security fund dialing method, an electronic device for executing the first block chain-based social security fund dialing method or the second block chain-based social security fund dialing method, and a computer readable storage medium for executing the first block chain-based social security fund dialing method or the second block chain-based social security fund dialing method, wherein the first block chain-based social security fund dialing method is pre-established through a block chain-based social security fund self-established service link management method, and the computer readable storage medium is used for executing the first block chain-based social security fund dialing method or the second block chain-based social security fund dialing method, and the first block chain-based social security fund dialing method is pre-established through a block chain-established service link management method The encrypted social security fund payment instruction is sent by the platform, wherein the social security fund payment instruction comprises a unique identifier of a transfer-out account, a unique identifier of a transfer-in account, a unique identifier of a commercial bank and a payment fund amount; according to the unique identification of the commercial bank, informing the corresponding commercial bank node of obtaining the social security fund shifting instruction from the block chain, so that after the commercial bank node obtains the social security fund shifting instruction and verifies that the validity of the social security fund shifting instruction passes, according to the unique identification of the roll-out account and the unique identification of the roll-in account, initiating a payment operation aiming at the payment fund amount from the roll-out account to the roll-in account and generating a corresponding encrypted payment result; the encrypted payment result is sent to the service management platform, the social security fund payment instruction and data corresponding to the payment operation are stored in the blockchain in an encrypted mode, the payment operation in the social security fund payment process is completed in the blockchain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost are effectively reduced, the user experience of a social security institution can be effectively improved, the data of the payment operation in the social security fund payment process can be disclosed, transparent, non-falsification and traceable, and the justness, transparency, accuracy and safety of the payment link in the social security fund payment can be guaranteed; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

Based on the above, the present application further provides a block chain-based social security fund payment apparatus for implementing the first block chain-based social security fund payment method provided in one or more embodiments of the present application, where the block chain-based social security fund payment apparatus may be in communication connection with a service management platform or other client devices by itself or through a third-party server or the like, so as to receive a block chain-based social security fund payment request sent by the service management platform or other client devices, and then execute the content of the first block chain-based social security fund payment method according to the social security fund payment request.

In one or more embodiments of the present application, the social security fund refers to a social security fund or the like for institutional endowment, corporate endowment, urban and rural residents, or the like.

It is understood that the client devices may include smart phones, tablet electronic devices, network set-top boxes, portable computers, desktop computers, Personal Digital Assistants (PDAs), in-vehicle devices, smart wearable devices, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..

In an actual application situation, the social security fund payment device based on the blockchain is provided with a blockchain platform, and may also be a functional module of the blockchain, which may be specifically set according to the actual application situation.

The service management platform may be the aforementioned client device, and all operations are performed in the client device. If all operations are completed in the client device, the client device may further include a processor configured to perform specific processing of the block chain-based social security fund transfer. In another practical application scenario, the service management platform may also be a server, and may specifically be selected according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application.

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.

The following embodiments and application examples are specifically and individually described in detail.

In order to solve the problems of low allocation efficiency, opaque information, operation risk, easy loss or counterfeiting and the like in the conventional social security fund allocation method, the application provides an embodiment of a first block chain-based social security fund allocation method, and referring to fig. 1, the block chain-based social security fund allocation method executed by the first block chain-based social security fund allocation device specifically includes the following contents:

step 110: and receiving an encrypted social security fund payment instruction sent by the service management platform from a preset block link, wherein the social security fund payment instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount.

In step 110, the blockchain is essentially a shared, distributed, decentralized database, where the data or information stored therein has characteristics of being unforgeable, traceable throughout, traceable, publicly transparent, and collectively maintained. Based on these features, blockchains lay a solid 'trust' foundation. In an embodiment of the present application, the blockchain may specifically refer to a federation chain, which refers to a blockchain in which a consensus process is controlled by a preselected node.

In one or more embodiments of the present application, the transfer-out account may be an account receiving user or an account paying out, and the transfer-in account may be an account receiving user or an account paying out. The income holder is a bank account number set in a commercial bank by a social security institution, receives social insurance fee income collected by an office according to the regulation, receives fund transfer income dialed by the office of a superior institution or decoded by the office of a subordinate institution and other income; the deposit of the income household should be transferred to the financial special household regularly according to the regulation, and no balance should be left at the end of the subject's period after the transfer. The expenditure user refers to a bank account number set in a commercial bank by a social insurance institution, receives a basic endowment insurance fund dialed by a financial special user of the social insurance fund, and gives an explanation to a basic endowment insurance fund of a superior social insurance handling institution or dials a basic endowment insurance fund of a subordinate social insurance handling institution.

Step 120: and according to the unique identification of the commercial bank, informing the corresponding commercial bank node of obtaining the social security fund shifting instruction from the block chain, so that after the commercial bank node obtains the social security fund shifting instruction and verifies that the legality of the social security fund shifting instruction passes, initiating a payment operation aiming at the payment fund amount from the roll-out account to the roll-in account according to the unique identification of the roll-out account and the unique identification of the roll-in account and generating a corresponding encrypted payment result.

In one example of step 120, a county-level spending user via the steps of the first blockchain-based social security fund payment method provided herein will initiate a payment operation for an amount of paid funds, send the paid funds to a city-level account, a city-level spending user via the steps of the first blockchain-based social security fund payment method provided herein will initiate a payment operation for an amount of paid funds, send the paid funds to a provincial-level account, a provincial-level spending user via the steps of the first blockchain-based social security fund payment method provided herein will initiate a payment operation for an amount of paid funds, send the paid funds to a financial institution's financial specialty, and so forth.

Step 130: and sending the encrypted payment result to the service management platform, and encrypting and storing the social security fund payment instruction and the data corresponding to the payment operation in the block chain.

In step 130, the social security fund is issued by the service staff after the approval is completed at the PC client side such as the service management platform by using the system acceptance management module and the system branch management module, the generated payment instruction is encrypted by using an asymmetric encryption technology (RSA2), the encrypted data is linked and stored, after the block chain receives the payment instruction, each bank system is notified to acquire the payment instruction, and after the payment and the collection confirmation are completed at the bank side, the payment data and the account data are linked and stored in an encrypted manner, and the result is returned to the user.

As can be seen from the above description, according to the first social security fund payment method based on the block chain provided in the embodiment of the present application, by completing the payment operation in the social security fund payment process in the block chain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost can be effectively reduced, the user experience of the social security institution can be effectively improved, the data of the payment operation in the social security fund payment process can be disclosed transparently, non-falsification and traceable, and the justness, transparency, accuracy and safety of the payment link in the social security fund payment can be ensured; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In order to implement the collection confirmation operation in the payment to the commercial bank via the blockchain, referring to fig. 2, an embodiment of the first blockchain-based social security fund payment method provided in the present application further includes the following steps after step 130:

step 140: and sending a social security fund collection confirmation instruction notice to the commercial bank node, wherein the social security fund collection confirmation instruction notice comprises the unique identifier of the transferred-out account, the unique identifier of the transferred-in account and the amount of the collected fund.

Step 150: and receiving a collection confirmation instruction acquisition request sent by the commercial bank node after verifying that the validity of the social security fund collection confirmation instruction notification passes.

Step 160: and sending the social security fund collection confirmation instruction informing the corresponding social security fund collection confirmation instruction to the commercial bank node according to the collection confirmation instruction acquisition request so that the commercial bank node performs collection confirmation operation based on the social security fund collection confirmation instruction to generate an encrypted collection result.

Step 170: and sending the encrypted collection result to the service management platform, and encrypting and storing the social security fund payment instruction and the account data corresponding to the collection confirmation operation in the block chain.

Specifically, the block chain-based social security fund payment device pushes an encrypted payment result to the service management platform based on the block chain, the block chain-based social security fund payment device sends a collection confirmation instruction notice to the commercial bank node based on the block chain, the commercial bank node performs collection confirmation instruction notice validity check, the commercial bank node initiates a collection confirmation instruction acquisition request to the block chain, the block chain returns the collection confirmation instruction to the commercial bank node, the commercial bank node performs collection confirmation, the commercial bank node encrypts the collection result, stores the encrypted collection result in the block chain, and the block chain pushes the encrypted collection result to the service management platform.

As can be seen from the above description, according to the first social security fund payment method based on the block chain, by completing the collection confirmation operation in the social security fund payment process in the block chain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost can be effectively reduced, the user experience of the social security institution can be effectively improved, the data of the collection confirmation operation in the social security fund payment process can be disclosed, transparent, non-falsifiable and traceable, and the fairness, transparency, accuracy and safety of the collection confirmation link in the social security fund payment can be ensured; meanwhile, the commercial bank is directly connected with the block chain for collection confirmation operation, so that the collection confirmation operation efficiency in the social security fund payment process can be further improved, the operation risk in the social security fund payment process can be effectively reduced, and the data security of the social security fund collection confirmation can be effectively improved; by recording the data of the social security fund payment instruction, the collection confirmation operation and the like in the block chain, the real-time correlation and summary display of fund flow direction, account balance and service data can be realized, and further the comprehensive management of the social security fund payment service is realized.

In order to provide a preferred way of payment operation, in an embodiment of the first block-chain-based social security fund payment method provided in the present application, referring to fig. 3, step 120 of the first block-chain-based social security fund payment method specifically includes the following contents:

step 121: and sending a social security fund payment instruction notice corresponding to the social security fund payment instruction to a corresponding commercial bank node according to the unique identification of the commercial bank.

Step 122: and receiving a social security fund payment instruction acquisition request sent by the commercial bank node after verifying that the validity of the social security fund payment instruction notification passes.

Step 123: and after the verification of the unique identification of the roll-out account and the unique identification of the roll-in account is determined to pass, initiating a payment operation aiming at the amount of the payment fund from the roll-out account to the roll-in account and generating a corresponding encrypted payment result, wherein the white list is used for storing the unique identification of each bank account with the transfer authority.

Step 124: and receiving the encrypted payment result sent by the commercial bank node.

As can be seen from the above description, in the first block chain-based social security fund payment method provided in the embodiment of the present application, the unique identifier of the roll-out account and the unique identifier of the roll-in account in the social security fund payment instruction are verified based on the preset white list, so that the reliability and the security of the social security fund payment can be further improved, the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a way for updating the white list in real time, referring to fig. 4, in an embodiment of the first block-chain-based social security fund payment method provided in the present application, the following may be specifically included in the first block-chain-based social security fund payment method before step 110:

step 011: and receiving a white list updating instruction, wherein the white list updating instruction comprises white list updating information.

Step 012: and updating the white list in the block chain according to the white list updating information, and sending the white list updating information to the commercial bank node so that the commercial bank node updates the local white list according to the white list updating information.

As can be seen from the above description, according to the first social security fund payment method based on the block chain, the white list update instruction is used, and the white list in the block chain is updated according to the white list update information, so that the intelligentization degree and reliability of identity verification in the social security fund payment can be effectively improved, the reliability and security of the social security fund payment can be effectively improved, the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a data query manner, referring to fig. 5, in an embodiment of a first block-chain-based social security fund payment method provided in the present application, the first block-chain-based social security fund payment method further includes the following steps:

step 180: and receiving an inquiry request sent by the service management platform, wherein the inquiry request contains inquiry items and the unique identifier of the target inquiry account.

Step 190: and if the unique identifier of the target inquiry account is inquired in the white list in the block chain, sending the data corresponding to the inquiry items to the service management platform for displaying.

As can be seen from the above description, in the first social security fund payment method based on the block chain provided in the embodiment of the present application, by receiving the query request sent by the service management platform and sending the data corresponding to the query item to the service management platform for display, the data of the payment operation in the social security fund payment process can be disclosed, transparently, non-falsifiably and traceably, the justness, transparency, accuracy and safety of the payment link in the social security fund payment can be ensured, and the operation experience of the user can be improved.

In order to solve the problems of low allocation efficiency, opaque information, operational risk, easy loss or counterfeiting and the like in the conventional social security fund allocation method, the application provides an embodiment of a second block chain-based social security fund allocation method, which is executed by a service management platform and specifically includes the following contents:

step 210: sending an encrypted social security fund payment instruction to a social security fund payment device based on a block chain, wherein the social security fund payment instruction comprises a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank and a payment fund amount; and informing the corresponding commercial bank node to acquire the social security fund payment instruction from the block chain based on a preset block chain according to the unique identification of the commercial bank, so that after the commercial bank node acquires the social security fund payment instruction and verifies that the validity of the social security fund payment instruction passes, initiating a payment operation aiming at the amount of the payment fund from the roll-out account to the roll-in account according to the unique identification of the roll-out account and the unique identification of the roll-in account and generating a corresponding encrypted payment result.

Step 220: and receiving the encrypted payment result forwarded by the social security fund payment device based on the block chain.

As can be seen from the above description, in the second social security fund payment method based on the block chain provided in the embodiment of the present application, by completing the payment operation in the social security fund payment process in the block chain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost can be effectively reduced, the user experience of the social security organization can be effectively improved, the data of the payment operation in the social security fund payment process can be disclosed transparently, non-falsification and traceable, and the justness, transparency, accuracy and safety of the payment link in the social security fund payment can be ensured; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In order to implement the collection confirmation operation in the payment to the commercial bank via the blockchain, referring to fig. 7, an embodiment of the second blockchain-based social security fund payment method provided in the present application further includes the following steps after step 220 in the second blockchain-based social security fund payment method:

step 230: and receiving an encrypted collection result forwarded by the block chain-based social security fund payment device, wherein the encrypted collection result is generated after the commercial bank node performs collection confirmation operation based on a social security fund collection confirmation instruction sent by the block chain-based social security fund payment device.

As can be seen from the above description, in the second social security fund payment method based on the block chain provided in the embodiment of the present application, through completing the collection confirmation operation in the social security fund payment process in the block chain, the efficiency of the social security fund payment can be effectively improved, the labor cost and the time cost can be effectively reduced, the user experience of the social security institution can be effectively improved, the data of the collection confirmation operation in the social security fund payment process can be disclosed, transparent, non-falsifiable and traceable, and the fairness, transparency, accuracy and safety of the collection confirmation link in the social security fund payment can be ensured; meanwhile, the commercial bank is directly connected with the block chain for collection confirmation operation, so that the collection confirmation operation efficiency in the social security fund payment process can be further improved, the operation risk in the social security fund payment process can be effectively reduced, and the data security of the social security fund collection confirmation can be effectively improved; by recording the data of the social security fund payment instruction, the collection confirmation operation and the like in the block chain, the real-time correlation and summary display of fund flow direction, account balance and service data can be realized, and further the comprehensive management of the social security fund payment service is realized.

In order to provide a way for updating the white list in real time, referring to fig. 8, in an embodiment of the second block-chain-based social security fund payment method provided in the present application, the following may be specifically included in the second block-chain-based social security fund payment method before step 210:

step 021: and receiving the white list updating information and generating a corresponding white list updating instruction.

Step 022: and sending the white list updating instruction to the block chain-based social security fund payment device so that the block chain-based social security fund payment device updates the white list in the block chain according to the white list updating information, and sending the white list updating information to the commercial bank node so that the commercial bank node updates the local white list according to the white list updating information.

As can be seen from the above description, in the second block chain-based social security fund payment method provided in the embodiment of the present application, the white list update instruction is sent to the block chain-based social security fund payment device, so that the intelligentization degree and reliability of identity verification in the social security fund payment can be effectively improved, the reliability and security of the social security fund payment can be effectively improved, the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a data query manner, referring to fig. 9, in an embodiment of a second block-chain-based social security fund payment method provided in the present application, the second block-chain-based social security fund payment method further includes the following steps:

step 240: receiving query information aiming at a target query account, wherein the query information comprises query items and a unique identifier of the target query account.

Step 250: and generating a corresponding query request according to the query information, and sending the query request to the social security fund payment device based on the block chain, so that when or after the social security fund payment device based on the block chain queries the unique identifier of the target query account in a white list in the block chain, the data corresponding to the query items are called.

Step 260: and receiving and displaying data corresponding to the query items sent by the social security fund payment device based on the block chain.

As can be seen from the above description, in the second block chain-based social security fund payment method provided in the embodiment of the present application, by sending the query request to the block chain-based social security fund payment device, data of the payment operation in the social security fund payment process can be disclosed transparently, irrevocably and traceably, the fairness, transparency, accuracy and safety of the payment link in the social security fund payment can be ensured, and the operation experience of the user can be improved.

In terms of software, in order to solve the problems of low allocation efficiency, opaque information, operational risk, easy loss or counterfeiting and the like in the conventional social security fund allocation method, the present application provides an embodiment of a block chain-based social security fund allocation apparatus for executing all or part of the contents in the first block chain-based social security fund allocation method, and with reference to fig. 10, the block chain-based social security fund allocation apparatus specifically includes the following contents:

the instruction receiving module 11 is configured to receive, from a preset block link, an encrypted social security fund payment instruction sent by the service management platform, where the social security fund payment instruction includes a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank, and a payment fund amount.

And the fund transfer module 12 is configured to notify the corresponding commercial bank node to acquire the social security fund transfer instruction from the block chain according to the unique identifier of the commercial bank, so that after the commercial bank node acquires the social security fund transfer instruction and verifies that the validity of the social security fund transfer instruction passes, initiate a payment operation for the amount of the payment fund from the roll-out account to the roll-in account according to the unique identifier of the roll-out account and the unique identifier of the roll-in account, and generate a corresponding encrypted payment result.

And the result sending module 13 is configured to send the encrypted payment result to the service management platform, and encrypt and store the social security fund payment instruction and the data corresponding to the payment operation in the blockchain.

In the result sending module 13, the social security fund is issued by the service staff after the approval is completed at the PC client such as the service management platform by using the system acceptance management module and the system branch management module, the generated payment instruction is encrypted by using the asymmetric encryption technology (RSA2), the encrypted data is linked and stored, after the block chain receives the payment instruction, each bank system is notified to acquire the payment instruction, and after the payment and the payment confirmation are completed at the bank side, the payment data and the account data are linked and encrypted and stored, and the result is returned to the user.

The embodiment of the block chain-based social security fund payment apparatus provided in the present application may be specifically configured to execute the processing procedure of the embodiment of the first block chain-based social security fund payment method in the foregoing embodiment, and the functions of the processing procedure are not described herein again, and refer to the detailed description of the method embodiment.

As can be seen from the above description, the block chain-based social security fund payment device provided in the embodiment of the present application can effectively improve the efficiency of social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security organization, and can realize that the data of the payment operation in the social security fund payment process is public, transparent, non-falsifiable, and traceable, and can ensure the fairness, transparency, accuracy, and safety of the payment link in the social security fund payment by completing the payment operation in the block chain; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In order to implement a collection confirmation operation in a payment to a commercial bank via a blockchain, in an embodiment of the block-chain-based social security fund payment apparatus provided in the present application, the block-chain-based social security fund payment apparatus is further specifically configured to:

As can be seen from the above description, the block chain-based social security fund payment device provided in the embodiment of the present application can effectively improve the efficiency of social security fund payment, effectively reduce the labor cost and time cost, effectively improve the user experience of the social security institution, and can realize that the data of the payment confirmation operation in the social security fund payment process is public, transparent, non-falsifiable, and traceable, and can ensure the justice, transparency, accuracy, and safety of the payment confirmation link in the social security fund payment by completing the payment confirmation operation in the block chain; meanwhile, the commercial bank is directly connected with the block chain for collection confirmation operation, so that the collection confirmation operation efficiency in the social security fund payment process can be further improved, the operation risk in the social security fund payment process can be effectively reduced, and the data security of the social security fund collection confirmation can be effectively improved; by recording the data of the social security fund payment instruction, the collection confirmation operation and the like in the block chain, the real-time correlation and summary display of fund flow direction, account balance and service data can be realized, and further the comprehensive management of the social security fund payment service is realized.

In order to provide a preferred mode of payment operation, in an embodiment of the block-chain-based social security fund payment apparatus provided by the present application, the fund payment module 12 in the block-chain-based social security fund payment apparatus is configured to perform the following:

As can be seen from the above description, the block chain-based social security fund payment apparatus provided in the embodiment of the present application verifies the unique identifier of the roll-out account and the unique identifier of the roll-in account in the social security fund payment instruction based on the preset white list, so that the reliability and the security of the social security fund payment can be further improved, the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a way for updating a white list in real time, in an embodiment of the block-chain-based social security fund payment apparatus provided in the present application, the block-chain-based social security fund payment apparatus is further specifically configured to execute the following:

As can be seen from the above description, the block chain-based social security fund payment device provided in the embodiment of the present application updates the white list in the block chain according to the white list update information through the white list update instruction, so that the intelligentization degree and reliability of identity verification in the social security fund payment can be effectively improved, the reliability and security of the social security fund payment can be effectively improved, the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a data query manner, in an embodiment of the block-chain-based social security fund payment apparatus provided in the present application, the block-chain-based social security fund payment apparatus is further configured to perform the following:

As can be seen from the above description, the block chain-based social security fund payment apparatus provided in the embodiment of the present application can implement transparent data disclosure, non-falsification and traceability of payment operations in the social security fund payment process by receiving the query request sent by the service management platform and sending the data corresponding to the query item to the service management platform for display, so as to ensure fairness, transparency, accuracy and safety of the payment link in the social security fund payment, and improve the operation experience of the user.

In terms of software, in order to solve the problems of low allocation efficiency, opaque information, operational risk, easy loss or counterfeiting and the like in the conventional social security fund allocation method, the present application provides an embodiment of a service management platform for executing all or part of the contents in the second block chain-based social security fund allocation method, which is shown in fig. 11 and specifically includes the following contents:

the instruction sending module 21 is configured to send an encrypted social security fund payment instruction to a social security fund payment device based on a block chain, where the social security fund payment instruction includes a unique identifier of a roll-out account, a unique identifier of a roll-in account, a unique identifier of a commercial bank, and a payment fund amount; and informing the corresponding commercial bank node to acquire the social security fund payment instruction from the block chain based on a preset block chain according to the unique identification of the commercial bank, so that after the commercial bank node acquires the social security fund payment instruction and verifies that the validity of the social security fund payment instruction passes, initiating a payment operation aiming at the amount of the payment fund from the roll-out account to the roll-in account according to the unique identification of the roll-out account and the unique identification of the roll-in account and generating a corresponding encrypted payment result.

A result receiving module 22, configured to receive the encrypted payment result forwarded by the block chain-based social security fund payment apparatus.

As can be seen from the above description, the service management platform provided in the embodiment of the present application, by completing the payment operation in the social security fund payment process in the blockchain, can effectively improve the efficiency of the social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security organization, and can realize that the data of the payment operation in the social security fund payment process is public and transparent, can not be tampered and can be traced, and can ensure the justice, transparency, accuracy and safety of the payment link in the social security fund payment process; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In order to implement the collection confirmation operation in the payment to the commercial bank via the blockchain, in an embodiment of the service management platform provided in the present application, the service management platform is further specifically configured to execute the following:

As can be seen from the above description, the service management platform provided in the embodiment of the present application, by completing the collection confirmation operation in the social security fund payment process in the block chain, can effectively improve the efficiency of the social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security institution, and can realize that the data of the collection confirmation operation in the social security fund payment process is public and transparent, can not be tampered and can be traced, and can ensure the fairness, transparency, accuracy and safety of the collection confirmation link in the social security fund payment process; meanwhile, the commercial bank is directly connected with the block chain for collection confirmation operation, so that the collection confirmation operation efficiency in the social security fund payment process can be further improved, the operation risk in the social security fund payment process can be effectively reduced, and the data security of the social security fund collection confirmation can be effectively improved; by recording the data of the social security fund payment instruction, the collection confirmation operation and the like in the block chain, the real-time correlation and summary display of fund flow direction, account balance and service data can be realized, and further the comprehensive management of the social security fund payment service is realized.

In order to provide a way for updating a white list in real time, in an embodiment of the service management platform provided in the present application, the service management platform is further specifically configured to execute the following:

As can be seen from the above description, according to the service management platform provided in the embodiment of the present application, by sending the white list update instruction to the social security fund payment device based on the block chain, the intelligentization degree and reliability of identity verification in the social security fund payment can be effectively improved, and the reliability and security of the social security fund payment can be effectively improved, so that the operation risk in the social security fund payment process can be further reduced, and the data security of the social security fund payment can be effectively improved.

In order to provide a data query manner, in an embodiment of the service management platform provided in the present application, the service management platform is further specifically configured to execute the following:

As can be seen from the above description, according to the service management platform provided in the embodiment of the present application, by sending the query request to the social security fund payment device based on the block chain, data of payment operation in the social security fund payment process can be made public and transparent, and cannot be tampered and traced, so that fairness, transparency, accuracy and safety of a payment link in the social security fund payment can be ensured, and operation experience of a user can be improved.

Based on the embodiment of the service management platform and the embodiment of the block chain-based social security fund payment device, the present application further provides an embodiment of a social security fund payment system, which refers to fig. 12, where the social security fund payment system specifically includes the following contents:

the system comprises a service management platform, a social security fund payment device and a commercial bank node which are sequentially in communication connection; the service management platform is used for a second social security fund payment method based on the block chain; the block chain-based social security fund payment device is used for executing a first block chain-based social security fund payment method.

As can be seen from the above description, the social security fund payment system provided in the embodiment of the present application can effectively improve the efficiency of social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security organization, and can realize that the data of the payment operation in the social security fund payment process is public, transparent, non-falsifiable and traceable, thereby ensuring the justice, transparency, accuracy and safety of the payment link in the social security fund payment by completing the payment operation in the block chain; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In order to further explain the scheme, the application example provides a solution for social security fund payment management, and information flow and instruction flow of budgeting, planning, examining and approving, issuing and other stages in the social security fund use process are linked and stored by utilizing the characteristics of multi-party consensus, openness, transparency, non-falsification and traceability of the block chain technology, so that the problem of more manual operations in the social security fund use process is solved, the fund issuing timeliness is improved, the control strength of each link of the social security fund use is improved, and a 'block chain + social security' social security fund issuing new mode is created.

The core of the application example is the block chain-based social security fund payment device, and the block chain-based social security fund payment device does not depend on a service management platform, but can be combined with the service management platform for use, so that a perfect comprehensive solution is provided. Referring to fig. 13, the whole complete social security fund payment system includes a block chain-based social security fund payment device, a service management platform and a commercial bank (i.e. the aforementioned commercial bank node may refer to an application server of the commercial bank), where the service management platform has two functions, one of which is basic information management and the other one is total payment management; the basic information management comprises organization management, user management, authority management and data management, and the system management comprises expenditure application, expenditure fund allocation, system collection management and social security fund inquiry.

The complete social security fund payment system supports multi-level management through flexible process configuration and meets different approval process settings; the system establishes a alliance chain for the commercial bank, and each unit is accessed as a node on a block chain; the examination and approval information of each level is linked and stored, and the examination and approval information cannot be tampered and is easy to trace; and a dial-up payment instruction is generated by using a block chain intelligent contract, and each commercial bank chain acquires the dial-up payment instruction and links up and stores the receipt and payment information, so that the automatic dial-up payment of the social security fund is realized, and the process is safe and transparent.

The social security fund payment device, the business management platform and the commercial banks based on the block chain can realize the social security fund payment process, the social security fund payment is initiated by business personnel after approval is completed at a PC client of the business management platform by using a system receiving function and a system supporting function, a generated payment instruction is encrypted by using an asymmetric encryption technology (RSA2), encrypted data is sent to the social security fund payment device for block chain uplink storage, after the block chain receives the payment instruction, each commercial bank is informed to acquire the payment instruction, and after payment and collection confirmation are completed at a bank side, payment data and account data are subjected to uplink encryption storage, and meanwhile, a result is returned to a user.

It is understood that the data encryption technique described above employs the asymmetric encryption technique RSA2, and other encryption techniques such as AES, DES, 3DES, etc. may be substituted.

Referring to fig. 14, the main process of the service personnel making the social security fund transfer is as follows:

1, completing fund transfer and approval by the PC client;

2. the service system generates a dial-up instruction, the dial-up instruction is encrypted, and the encrypted dial-up instruction is stored on the block chain platform;

3. the block chain platform sends the payment instruction notice to the commercial bank system;

4. the commercial bank system carries out notification validity check;

5. the commercial bank system sends a request for acquiring a dial-up instruction to the blockchain platform;

6. the block chain platform is used for verifying the identity of the commercial bank system;

7. the block chain platform returns the encrypted payment instructions to each commercial bank system;

8.1. the commercial bank system carries out data decryption and white list verification;

it can be understood that the bank account uses the white list technology, and in an implementation manner, in order to further improve the payment efficiency, the money payment can be directly carried out according to the payment instruction without carrying out white list verification.

8.2. Initiating payment by the commercial banking system;

9. the commercial bank system encrypts a payment result and stores the payment result on the block chain platform;

10. the block chain platform pushes the encrypted payment result to the service system;

11. the blockchain platform sends a collection confirmation instruction notice to the commercial bank system;

12. the commercial bank system carries out collection confirmation instruction to inform validity check;

13. the commercial bank system initiates a request for acquiring a collection confirmation instruction to the blockchain platform;

14. the blockchain platform returns a collection confirmation instruction to the commercial bank system;

15. the commercial bank system confirms the collection of money;

16. the commercial bank system encrypts the collection result and stores the collection result in the block chain platform;

17. and the block chain pushes the encrypted collection result to the service system.

Wherein, the example of the pay-per-call instruction is as follows: fields including JSON version, request transaction type, smart contract ID, instruction root, requesting user, schema, etc.

Wherein, the payment result example: the method comprises fields of JSON version, request transaction type, intelligent contract ID, intelligent contract name, intelligent contract method calling, intelligent contract parameter calling, request user, mode and the like.

Wherein, the example of the collection result is as follows: the method comprises fields of JSON version, request transaction type, intelligent contract ID, intelligent contract name, intelligent contract method calling, intelligent contract parameter calling, request user, mode and the like.

In order to provide a complete social security fund payment scheme based on a block chain, the application example of the application further provides a system branch management module, a system receiving management module, a basic information management module and a social security fund query module.

(1) Basic information management module

The basic information management module comprises an organization management module, a user management module, an authority management module and a data management module, wherein the organization management module, the user management module, the authority management module and the data management module are used for maintaining organizations and users in real time and dynamically configuring user authorities, the data management function can also be used for configuring a white list in real time, and when the white list changes, the white list is dynamically synchronized to a block chain and a bank.

(2) Unified collection management module

The collecting and managing module realizes the data collecting function and the multi-stage approval process of the fund collection service, can automatically create a fund collection task according to a plan, and automatically/manually calls the social security fund payment module to collect the social security fund after the fund collection task is approved.

(3) Unified management module

The system management module is divided into a payment application module and a payment shifting module, wherein the payment application module applies, approves and gathers payment plan, the payment shifting module automatically generates shifting notice according to the payment plan task, and the social security fund shifting module is automatically/manually called to perform social security fund shifting after the shifting notice is approved.

(4) Social security fund inquiry module

The application example of the application provides a complete social security fund query module, and can provide the following views for the user:

inquiring the bank account in the system white list in a running mode;

checking the real-time balance of the bank account in the system white list;

the real-time status display of the social security fund payment is carried out;

and analyzing the income and the expense of each bank account in the system white list.

In summary, in order to solve the problems that the conventional social security fund payment operation mode has the problems that manual paper document approval is carried out through a line, payment and collection are stored in paper, and the paper document payment needs to be confirmed by a commercial bank, so that the error and leakage rate is high, and even the paper document payment operation mode may be false. The application provides a block chain-based social security fund transfer method, wherein all links of the social security fund are examined and approved on line, the system is automatically collected, and all links of application, examination and approval, fund transfer, payment and receipt data are stored on the block chain. The block chain has the characteristics of multi-party consensus, openness and transparency, no tampering and traceability, and the justice, transparency, accuracy and safety of all links of social insurance fund payment are ensured. The concrete advantages are that: 1. all business data, approval information, payment instructions, electronic receipt and the like are recorded on the chain, and the credibility of the data and the certificates is ensured by relying on the property that the block chain cannot be tampered; 2. the automatic collection of the fund of the provincial social security deposit and the automatic payment of the fund of the expenditure are realized, and the fund collection condition is reflected in real time, so that the operation risk is reduced; 3. and the fund flow direction, the account balance and the service data are associated in real time and are summarized and displayed, so that the comprehensive service management is realized.

In terms of hardware, in order to solve the problems of low dialing efficiency, opaque information, operational risk, easy loss or counterfeiting and the like in the conventional social security fund dialing method, the present application provides an embodiment of an electronic device for implementing all or part of the contents in the first or second social security fund dialing method based on a block chain, where the electronic device specifically includes the following contents:

fig. 15 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 15, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 15 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the blockchain-based social security fund payment functionality may be integrated into the central processor. Wherein the central processor may be configured to control:

Alternatively, the central processor may be configured to control as follows:

As can be seen from the above description, the electronic device provided in the embodiment of the present application, by completing the payment operation in the social security fund payment process in the blockchain, can effectively improve the efficiency of the social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security organization, and can realize transparent data disclosure, non-falsification and traceability of the payment operation in the social security fund payment process, thereby ensuring the fairness, transparency, accuracy and safety of the payment link in the social security fund payment process; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

In another embodiment, the block-chain-based social security fund payment apparatus may be configured separately from the central processor 9100, for example, the block-chain-based social security fund payment apparatus may be configured as a chip connected to the central processor 9100, and the block-chain-based social security fund payment function may be implemented by the control of the central processor.

As shown in fig. 15, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 15; further, the electronic device 9600 may further include components not shown in fig. 15, which can be referred to in the related art.

As shown in fig. 15, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

An embodiment of the present application further provides a computer-readable storage medium capable of implementing all the steps in the block-chain-based social security fund payment method in the foregoing embodiment, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps of the first block-chain-based social security fund payment method or the second block-chain-based social security fund payment method, where the server or the client is an execution subject, for example, when the processor executes the computer program, the processor implements the following steps:

Alternatively, the processor implements the following steps when executing the computer program:

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application, by completing the payment operation in the social security fund payment process in the blockchain, can effectively improve the efficiency of the social security fund payment, effectively reduce the labor cost and the time cost, effectively improve the user experience of the social security organization, and can realize that the data of the payment operation in the social security fund payment process is public, transparent, non-falsifiable and traceable, and can ensure the justice, transparency, accuracy and safety of the payment link in the social security fund payment process; meanwhile, the commercial bank is directly connected with the block chain for payment operation, so that the efficiency of the payment operation in the process of the social security fund payment can be further improved, the operation risk in the process of the social security fund payment can be effectively reduced, and the data security of the social security fund payment can be effectively improved; by recording the social security fund payment instruction, the payment operation and other data in the blockchain, real-time association and summary display of fund flow direction, account balance and service data can be realized, and further, the comprehensive management of the social security fund payment service is realized.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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 (devices), 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 principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should be understood as a limitation to the present invention.

Claims

1. A social security fund payment method based on a block chain is characterized by comprising the following steps:

2. The method of claim 1, further comprising:

3. The method as claimed in claim 1, wherein the notifying a corresponding commercial bank node to obtain the social security fund payment instruction from the block chain according to the unique identifier of the commercial bank, so that the commercial bank node initiates a payment operation for the amount of the payment fund from the roll-out account to the roll-in account according to the unique identifier of the roll-out account and the unique identifier of the roll-in account after obtaining the social security fund payment instruction and verifying the validity of the social security fund payment instruction, and generates a corresponding encrypted payment result, includes:

and receiving the encrypted payment result sent by the commercial bank node.

4. The block chain-based social security fund payment method according to any one of claims 1 to 3, further comprising:

5. The method of claim 4, further comprising:

6. A social security fund payment method based on a block chain is characterized by comprising the following steps:

7. The method of claim 6, comprising:

8. The block chain-based social security fund payment method according to claim 6 or 7, comprising:

9. The method of claim 8, comprising:

10. A block chain-based social security fund payment device is characterized by comprising:

11. A service management platform, comprising:

12. A social security fund payment system, comprising: the system comprises a service management platform, a social security fund payment device and a commercial bank node which are sequentially in communication connection;

the service management platform is used for executing the block chain-based social security fund payment method of any one of claims 6 to 9;

the block chain-based social security fund payment device is used for executing the block chain-based social security fund payment method of any one of claims 1 to 5.

13. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the block chain-based social security fund payment method of any one of claims 1 to 5 when executing the computer program, or the processor implements the block chain-based social security fund payment method of any one of claims 6 to 9 when executing the computer program.

14. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method for block-chain-based social security fund transfer according to any one of claims 1 to 5, or which, when being executed by a processor, carries out the method for block-chain-based social security fund transfer according to any one of claims 6 to 9.