CN114782195A - Cross-bank transaction control method and system based on block chain - Google Patents
Cross-bank transaction control method and system based on block chain Download PDFInfo
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Abstract
The invention discloses a block chain-based cross-bank transaction control method and a system, relating to the technical field of block chains, wherein the method comprises the following steps: a user initiates a cash transaction reservation request through a mobile phone bank, generates a serial number, reservation success information and a first hash value through a bank server corresponding to the mobile phone bank, and generates a two-dimensional code according to the first hash value; the user carries out cash transaction operation on the self-service terminal based on the two-dimensional code, the mobile phone bank, the bank server corresponding to the mobile phone bank, the block chain, the self-service terminal and the bank server corresponding to the self-service terminal control the cash transaction of the user based on the first hash value, and after the cash transaction is completed, the financial processing is carried out on the account of the user based on a second hash value, a serial number, the first hash value and transaction information generated by the transaction information. The invention can improve the experience of cross-bank transaction of the user.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based cross-bank transaction control method and system.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Currently, when a user initiates a cash transaction (including depositing and withdrawing), the user is required to provide a medium storing account information, such as a bank card or a passbook, or download a corresponding app. Therefore, the bank service is inconvenient for the user to use, the user experience is poor, and particularly, the transaction is carried out across banks.
Disclosure of Invention
The embodiment of the invention provides a cross-bank transaction control method based on a block chain, which comprises the following steps:
after the face of the user is verified by the mobile phone bank, initiating a cash transaction reservation request submitted by the user to a bank server corresponding to the mobile phone bank;
a bank server corresponding to a mobile phone bank verifies whether the cash transaction reservation request is supported, if so, serial numbers and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in a database of the bank server, a bank id to which the bank server belongs, the serial numbers and the first hash value are uploaded to a block chain, a two-dimensional code is generated according to the first hash value, and the two-dimensional code is returned to a user;
when a user conducts cash transaction, the self-service terminal sends a first hash value in the two-dimensional code to the block chain;
after finding the corresponding first hash value according to the first hash value, the block chain judges whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, the block chain returns the serial number and the bank id to the self-service terminal;
the self-service terminal sends the serial number, the first hash value and the face information of the current user acquired on the self-service terminal to a bank server corresponding to a mobile phone bank of the bank id;
the bank server corresponding to the mobile phone bank of the bank id determines whether a first hash value stored in a database of the bank server corresponding to the serial number is consistent with a first hash value sent by the self-service terminal, if so, whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal is determined, and if so, the reservation amount and the transaction type in the cash transaction reservation request are fed back to the self-service terminal;
the self-service terminal controls the cash transaction of the user according to the reserved amount and the transaction type, and transaction information after the cash transaction is finished is stored in a bank server corresponding to the self-service terminal;
the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, and stores the first hash value, the serial number, the bank id, the transaction completion identifier and the second hash value into the block chain; the serial number, the first hash value and the transaction information are sent to a bank server corresponding to a mobile phone bank of the bank id;
and the bank server corresponding to the mobile phone bank of the bank id performs financial processing on the account of the user based on the received serial number, the first hash value and the transaction information.
The embodiment of the invention also provides a block chain-based cross-bank transaction control system, which comprises: cell-phone bank, the bank server that cell-phone bank corresponds, block chain, self service terminal and the bank server that self service terminal corresponds for: the block chain-based cross-bank transaction control method is realized.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor executes the computer program to implement the above cross-line transaction control method based on a blockchain.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the above block chain-based cross-bank transaction control method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for controlling a cross-bank transaction based on a blockchain is implemented.
Compared with the technical scheme that in the prior art, when a user initiates a cash transaction (including deposit and withdrawal), the user needs to provide a medium storing account information, such as a bank card, a passbook or download a corresponding app, so that the user is inconvenient to use banking services, and the user experience is poor, the embodiment of the invention initiates a cash transaction reservation request submitted by the user to a banking server corresponding to a mobile banking bank after the face verification of the user is passed through by the mobile banking bank; a bank server corresponding to a mobile phone bank verifies whether the cash transaction reservation request is supported, if so, serial numbers and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in a database of the bank server, a bank id to which the bank server belongs, the serial numbers and the first hash value are uploaded to a block chain, a two-dimensional code is generated according to the first hash value, and the two-dimensional code is returned to a user; when a user carries out cash transaction, the self-service terminal sends a first hash value in the two-dimensional code to the block chain; after finding a corresponding first hash value according to the first hash value, the block chain judges whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, returns the serial number and the bank id to the self-service terminal; the self-service terminal sends the serial number, the first hash value and the face information of the current user acquired on the self-service terminal to a bank server corresponding to a mobile phone bank of a bank id; the bank server corresponding to the mobile phone bank of the bank id determines whether a first hash value stored in a database of the bank server corresponding to the serial number is consistent with a first hash value sent by the self-service terminal, if so, whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal is determined, and if so, the reservation amount and the transaction type in the cash transaction reservation request are fed back to the self-service terminal; the self-service terminal controls the cash transaction of the user according to the reserved amount and the transaction type, and stores transaction information after the cash transaction is finished to a bank server corresponding to the self-service terminal; the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, and stores the first hash value, the serial number, the bank id, the transaction completion identifier and the second hash value into the block chain; sending the serial number, the first hash value and the transaction information to a bank server corresponding to a mobile phone bank of the bank id; and the bank server corresponding to the mobile phone bank of the bank id performs financial processing on the account of the user based on the received serial number, the first hash value and the transaction information. The invention can facilitate the user to use the bank service and improve the user experience.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a block chain-based cross-bank transaction control method according to an embodiment of the present invention;
FIG. 2 is a flowchart of a block chain-based cross-bank transaction control method according to a second embodiment of the present invention;
FIG. 3 is a flow chart of a block chain-based cross-bank transaction control method according to an embodiment of the present invention;
fig. 4 is a flowchart of a cross-bank transaction control method based on a blockchain according to a fourth embodiment of the present invention;
fig. 5 is a flowchart of a cross-bank transaction control method based on a blockchain according to an embodiment of the present invention;
fig. 6 is a flowchart of a block chain-based cross-bank transaction control method according to a sixth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
Based on the problems in the prior art, the invention provides a block chain-based inter-bank transaction control system and a block chain-based inter-bank transaction control method. The system can realize a cross-bank transaction control method based on a block chain, and the specific flow is shown in fig. 1 and comprises the following steps:
step 101: after the face of the user is verified by the mobile phone bank, initiating a cash transaction reservation request submitted by the user to a bank server corresponding to the mobile phone bank;
step 102: a bank server corresponding to a mobile phone bank verifies whether the cash transaction reservation request is supported, if so, serial numbers and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in a database of the bank server, a bank id to which the bank server belongs, the serial numbers and the first hash value are uploaded to a block chain, a two-dimensional code is generated according to the first hash value, and the two-dimensional code is returned to a user;
step 103: when a user conducts cash transaction, the self-service terminal sends a first hash value in the two-dimensional code to the block chain;
step 104: after finding a corresponding first hash value according to the first hash value, the block chain judges whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, returns the serial number and the bank id to the self-service terminal;
step 105: the self-service terminal sends the serial number, the first hash value and the face information of the current user acquired on the self-service terminal to a bank server corresponding to a mobile phone bank of the bank id;
step 106: the bank server corresponding to the mobile phone bank of the bank id determines whether a first hash value stored in a database of the bank server corresponding to the serial number is consistent with a first hash value sent by the self-service terminal, if so, whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal is determined, and if so, the reserved amount and the transaction type in the cash transaction reservation request are fed back to the self-service terminal;
step 107: the self-service terminal controls the cash transaction of the user according to the reserved amount and the transaction type, and stores transaction information after the cash transaction is finished to a bank server corresponding to the self-service terminal;
step 108: the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, and stores the first hash value, the serial number, the bank id, the transaction completion identifier and the second hash value into the block chain; the serial number, the first hash value and the transaction information are sent to a bank server corresponding to a mobile phone bank of the bank id;
step 109: and the bank server corresponding to the mobile phone bank of the bank id performs financial processing on the account of the user based on the received serial number, the first hash value and the transaction information.
Specifically, the information system architecture of a bank is as follows: the self-service terminal corresponds to a single bank server, and the mobile phone bank (namely, the bank app on the mobile phone) of the user also corresponds to a single bank server. The server is used for storing information and transaction data of the user. The bank's node in the blockchain is again a separate server. The 3 different servers correspondingly process different data.
Specifically, the blockchain mainly supports cross-bank cash transaction, that is, cash transaction reserved by the user at the bank a, the generated hash value corresponds to the first hash value generated by the bank a, and the user can go to a self-service terminal of the bank b to withdraw money or deposit money by holding the first hash value (which is equivalent to a transaction certificate sent to the user by the bank a and is somewhat like a bank card, a bankbook and the like).
Each appointment corresponds to a serial number and a hash value, the hash values and the appointment information are in one-to-one correspondence, and the hash value storage can play a role in keeping secret, so that specific information of the appointment cannot be seen by others.
Specifically, a problem may exist in cross-row, that is, information of a user may be leaked, so that when the block chain is stored, the first hash value and serial number are stored, and an actual cash transaction reservation application is not stored, because the application may have sensitive information such as identity information and account information of the user.
Specifically, the cash transaction reservation request includes a bank account number, a transaction type (withdrawal, deposit), a reserved amount, and authentication information (a face of a person at the time of an actual cash transaction).
Specifically, in step 104, the existence indicates that the cash transaction reservation request corresponding to the hash value has been completed, and the absence indicates that the cash transaction reservation request corresponding to the hash value has not been completed.
Specifically, in step 102, the bank server corresponding to the mobile banking verifies whether the cash transaction reservation application is supported, which may be to verify whether the account balance of the user supports the reserved amount during withdrawal, whether the reserved amount is smaller than a threshold (e.g., 2 ten thousands), whether the authentication information is authentication information of an associated user (e.g., a parent) of the user, and whether the associated user may be obtained through a knowledge graph.
Specifically, the reservation success information at least includes a serial number, a bank account number of the user, a transaction type, a reserved amount, and authentication information (a face in an actual cash transaction).
Specifically, the second hash value is used for facilitating financial processing between banks after the transaction is finished. The user is a transaction reserved at bank a, but does so at bank b's self-service terminal. If the self-service terminal of the bank b sends the wrong transaction information to the bank a (the bank b stores the data 1 and sends the data 2 to the bank a), the bank b stores the hash value of the correct transaction information to the blockchain (if the hash value is also the hash value of the wrong transaction information, the problem is the responsibility of the bank b), and at this time, the bank a knows that the information sent by the bank b is wrong and cannot carry out normal accounting processing.
In this embodiment of the present invention, step 103, the sending, by the self-service terminal, the first hash value in the two-dimensional code to the block chain includes:
the self-service terminal receives a first hash value in the two-dimensional code input by a user, or the self-service terminal scans the two-dimensional code to obtain the first hash value in the two-dimensional code and sends the first hash value in the two-dimensional code to the block chain.
In the embodiment of the present invention, as shown in fig. 2, the method further includes:
step 201: and when the block chain does not find the corresponding first hash value according to the hash value, returning the nonexistence identifier to the self-service terminal, and rejecting the transaction application of the user by the self-service terminal.
In this embodiment of the present invention, as shown in fig. 3, after the step 105 of sending, by the self-service terminal, the serial number, the first hash value, and the face information of the current user acquired at the self-service terminal to a bank server corresponding to a mobile banking bank of a bank id, the method further includes:
step 301: the self-service terminal sends the position information of the self-service terminal to a bank server corresponding to a mobile phone bank of a bank id;
step 302: and the bank server corresponding to the mobile phone bank of the bank id corrects the face matching threshold value based on the position information, and determines whether the face of the current user sent by the self-service terminal is consistent with the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number based on the corrected face matching threshold value.
In an embodiment, the bank server corresponding to the mobile banking of the bank id corrects the face matching threshold based on the location information, specifically:
a bank server corresponding to a mobile phone bank of the bank id determines a plurality of bank outlets (including self-service terminals) with the distance to the position information within a specified distance range according to the position information;
acquiring face recognition data of the plurality of bank outlets;
setting a plurality of matching discrete values, determining the proportion of risk data in the face recognition data of the plurality of bank outlets when the face recognition threshold value is set as the matching discrete value for each matching discrete value, and determining the proportion as the risk probability corresponding to the matching discrete value;
acquiring a face recognition threshold value corresponding to the current user and stored by a face recognition server;
classifying bank users (including the current user), obtaining a plurality of user categories, and obtaining a user category to which the current user belongs;
acquiring face recognition data corresponding to a user category to which the current user belongs, and determining the proportion of risk data in the face recognition data corresponding to the user category to which the current user belongs when a face recognition threshold is set as a face recognition threshold corresponding to the current user stored by a face recognition server, and determining the proportion as the risk probability corresponding to the current user;
selecting a plurality of matching discrete values of which the corresponding risk probability is less than or equal to the risk probability corresponding to the current user from the plurality of matching discrete values, and determining the minimum value of the selected plurality of matching discrete values as a face recognition threshold value of the current user about the position information;
and correcting the face matching threshold of the current user to be the maximum value of the face recognition threshold of the current user about the position information and the face recognition threshold corresponding to the current user stored by the face recognition server.
The bank user (including the current user) may be classified as follows, a plurality of user categories are obtained, and a user category to which the current user belongs is obtained:
for any service, determining a distance function corresponding to the service, wherein the independent variable of the distance function is two users, and the corresponding function value is the absolute value of the difference of the service quantities of the two users in the service; further determining the distance function of the user as the square root of the sum of squares of the distance functions corresponding to all services;
and clustering all the users based on the distance function of the users to obtain a plurality of user subsets. (e.g., selecting K means to cluster all users)
In order to obtain a more accurate classification result, determining the main service of each user in the user subset for each user subset in the obtained plurality of user subsets; for each main service corresponding to a user subset, determining the ratio of the number of users of the user subset corresponding to the main service to the number of users of the user subset, and determining the ratio as the proportion corresponding to the main service; determining the maximum value of the proportion corresponding to all main services corresponding to the user subset as a centralized index of the user subset; for the user subset, it is determined whether the following condition a is satisfied: if the centralized index of the user subset is larger than the set value, continuing to perform cluster analysis on the user subset until each newly generated user subset meets the condition a;
each user subset corresponds to one user category; and determining the user category corresponding to the user subset containing the current user as the user category to which the current user belongs.
In this embodiment of the present invention, as shown in fig. 4, the performing, by a bank server corresponding to the mobile banking in the bank id of step 109, an accounting process on an account of the user based on the received serial number, the first hash value, and the transaction information includes:
step 401: a bank server corresponding to a mobile phone bank of the bank id sends the received serial number and the first hash value to a block chain, and a corresponding second hash value is obtained;
step 402: a bank server corresponding to a mobile phone bank of the bank id generates a third hash value according to the received transaction information;
step 403: and comparing the second hash value with the third hash value by the bank server corresponding to the mobile phone bank of the bank id, and performing financial processing on the account of the user based on the comparison result.
Specifically, if the two hash values are consistent, normal accounting processing is performed, and if the two hash values are inconsistent, the bank server corresponding to the mobile phone bank of the bank id uploads the serial number, the first hash value and the third hash value to the block chain to wait for subsequent processing.
In an embodiment of the present invention, the cash transaction reservation application includes an expiration date (such as one month) and a geographic scope;
as shown in fig. 5, the method further includes:
step 501: the bank server corresponding to the mobile phone bank determines a transaction time range (for example, 6 am to 9 pm) according to the geographic range, and feeds the transaction time range back to the user;
step 502: when the bank id, the serial number and the first hash value are uploaded to the block chain, the bank server corresponding to the mobile phone bank further uploads the valid period, the geographic range and the transaction time range to the block chain;
step 503: after finding the corresponding first hash value according to the hash value and before determining whether the transaction completion identifier and the second hash value corresponding to the first hash value exist or not, the block chain also judges whether the current time is within the validity period range or within the transaction time range and whether the position of the self-service terminal is within the geographic range or not;
step 504: and if the conditions are met, determining whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, returning the serial number and the bank id to the self-service terminal.
Specifically, the validity period and the geographic scope are used for limiting (or reducing) the transaction scope, so that the transaction risk is less.
In this embodiment of the present invention, as shown in fig. 6, the step 501 of determining the transaction time range by the bank server corresponding to the mobile banking according to the geographic range includes:
step 601: a bank server corresponding to the mobile phone bank obtains transaction data of banking outlets in the geographic range, and determines transaction amount and risk probability of each time period in a plurality of time periods;
step 602: determining a partial sequence of the time periods according to the transaction amount and the risk probability, wherein the partial sequence is used for determining whether the first time period is better than the second time period in any two time periods;
step 603: determining a maximum time period in the plurality of time periods according to a partial order of the time periods, wherein the maximum time period is a maximum element of the partial order;
step 604: and determining the maximum time period in the time periods as a transaction time range corresponding to the geographic range.
The transaction amount refers to the number of transactions, and the risk probability is equal to the proportion of risk data in the acquired transaction data. The transaction data is less, corresponding to less transaction samples, the risk cannot be accurately evaluated, for example, the transaction amount in a morning time period is less, and at this time, the bank may not accurately evaluate the risk of the transaction, for example, the information is stolen, and the like. The user's transaction risk is high, meaning that the user's transaction is not secure.
Specifically, the step 602 may determine the partial order of the time periods by using the following method:
in determining the partial order of the time periods, for any two time periods, if the transaction amount of a first time period of the two time periods is greater than or equal to the transaction amount of a second time period of the two time periods, and the risk probability of the first time period is less than or equal to the risk probability of the second time period, determining that the first time period is better than the second time period.
It should be noted that the partial order maximum element is in the set corresponding to the partial order, and there is no other element superior to the maximum element. In step 603, determining the maximum time period in the plurality of time periods specifically means that there is no other time period, so that the other time period is better than the maximum time period. The number of the extremely large time periods among the plurality of time periods may be plural.
In one embodiment, step 603: one method of determining the maximum time period of the plurality of time periods in terms of a partial order of time periods is as follows:
1. initializing a maximum identification corresponding to each time period in the plurality of time periods to be possible, and initializing a comparison identification corresponding to each time period to be yes;
2. for each time period in the multiple time periods in turn, if the maximum identifier corresponding to the time period is possible, selecting multiple other time periods corresponding to the comparison identifiers as yes from all other time periods except the time period in the multiple time periods, and then setting the time period to be compared corresponding to the time period as the selected multiple other time periods; if the maximum identification corresponding to the time period is not possible, continuing to execute the step 2 for the next time period;
3. sequentially selecting each time period to be compared corresponding to the time period, and determining whether the time period to be compared is superior to the time period; if the time period to be compared is better than the time period, setting the maximum identifier corresponding to the time period as no, and then continuing to execute the step 2 for the next time period; if the time period is better than the time period to be compared, setting the maximum identifier corresponding to the time period to be compared as no, and determining the time period to be compared as a sub-time period of the time period; otherwise, the maximum identifier corresponding to the time period and the maximum identifier corresponding to the time period to be compared are kept unchanged;
4. if it is determined that all the time periods to be compared of the time period are not better than the time period (that is, after sequentially comparing the time period with each corresponding time period to be compared, the maximum identifier corresponding to the time period is still possible), determining the time period as the maximum time period in the plurality of time periods, and updating the comparison identifier of each sub-time period of the maximum time period to be no.
5. And then, continuing to execute the step 2 for the next time period until the steps are executed for all the time periods in the plurality of time periods.
In an embodiment of the present invention, the bank server corresponding to the mobile banking determines the transaction time range according to the geographic range, and further includes:
determining a transaction amount threshold and a risk probability threshold according to the determined maximum time periods in the plurality of time periods, (for example, setting the maximum value of the transaction amount of all the maximum time periods as the transaction amount threshold, and setting the maximum value of the risk probability of all the maximum time periods as the risk probability threshold);
and deleting the time periods in which the transaction amount is smaller than a preset transaction amount threshold or the risk probability is larger than a preset risk probability threshold from the time periods, and determining the time periods reserved in the time periods as the transaction time range corresponding to the geographic range.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the block chain-based cross-row transaction control method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the above block chain-based cross-bank transaction control method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above block chain-based cross-bank transaction control method.
Compared with the technical scheme that in the prior art, when initiating a cash transaction (including deposit and withdrawal), a user needs to provide a medium storing account information, such as a bank card, a bankbook or download a corresponding app, so that the user is inconvenient to use bank service and the user experience is poor, the embodiment of the invention initiates a cash transaction reservation request submitted by the user to a bank server corresponding to a mobile bank after the face verification of the user is passed through by the mobile bank; a bank server corresponding to a mobile phone bank verifies whether the cash transaction reservation request is supported, if so, serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in a database of the bank server, a bank id, the serial number and the first hash value to which the bank server belongs are uploaded to a block chain, a two-dimensional code is generated according to the first hash value, and the two-dimensional code is returned to a user; when a user carries out cash transaction, the self-service terminal sends a first hash value in the two-dimensional code to the block chain; after finding a corresponding first hash value according to the first hash value, the block chain judges whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, returns the serial number and the bank id to the self-service terminal; the self-service terminal sends the serial number, the first hash value and the face information of the current user acquired on the self-service terminal to a bank server corresponding to a mobile phone bank of the bank id; the bank server corresponding to the mobile phone bank of the bank id determines whether a first hash value stored in a database of the bank server corresponding to the serial number is consistent with a first hash value sent by the self-service terminal, if so, whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal is determined, and if so, the reservation amount and the transaction type in the cash transaction reservation request are fed back to the self-service terminal; the self-service terminal controls the cash transaction of the user according to the reserved amount and the transaction type, and stores transaction information after the cash transaction is finished to a bank server corresponding to the self-service terminal; the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, and stores the first hash value, the serial number, the bank id, the transaction completion identifier and the second hash value into the block chain; sending the serial number, the first hash value and the transaction information to a bank server corresponding to a mobile phone bank of the bank id; and the bank server corresponding to the mobile phone bank of the bank id performs financial processing on the account of the user based on the received serial number, the first hash value and the transaction information. The invention can facilitate the user to use the bank service and improve the user experience.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (11)
1. A block chain-based cross-bank transaction control method is characterized by comprising the following steps:
after the face of the user is verified by the mobile phone bank, initiating a cash transaction reservation request submitted by the user to a bank server corresponding to the mobile phone bank;
a bank server corresponding to a mobile phone bank verifies whether the cash transaction reservation request is supported, if so, serial numbers and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in a database of the bank server, a bank id to which the bank server belongs, the serial numbers and the first hash value are uploaded to a block chain, a two-dimensional code is generated according to the first hash value, and the two-dimensional code is returned to a user;
when a user carries out cash transaction, the self-service terminal sends a first hash value in the two-dimensional code to the block chain;
after finding the corresponding first hash value according to the first hash value, the block chain judges whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, the block chain returns the serial number and the bank id to the self-service terminal;
the self-service terminal sends the serial number, the first hash value and the face information of the current user acquired on the self-service terminal to a bank server corresponding to a mobile phone bank of the bank id;
the bank server corresponding to the mobile phone bank of the bank id determines whether a first hash value stored in a database of the bank server corresponding to the serial number is consistent with a first hash value sent by the self-service terminal, if so, whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal is determined, and if so, the reservation amount and the transaction type in the cash transaction reservation request are fed back to the self-service terminal;
the self-service terminal controls the cash transaction of the user according to the reserved amount and the transaction type, and transaction information after the cash transaction is finished is stored in a bank server corresponding to the self-service terminal;
the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, and stores the first hash value, the serial number, the bank id, the transaction completion identifier and the second hash value into the block chain; the serial number, the first hash value and the transaction information are sent to a bank server corresponding to a mobile phone bank of the bank id;
and the bank server corresponding to the mobile phone bank of the bank id performs financial processing on the account of the user based on the received serial number, the first hash value and the transaction information.
2. The blockchain-based cross-bank transaction control method of claim 1, further comprising:
and when the block chain does not find the corresponding first hash value according to the hash value, returning the nonexistence identifier to the self-service terminal, and rejecting the transaction application of the user by the self-service terminal.
3. The blockchain-based cross-bank transaction control method of claim 1, further comprising:
the self-service terminal sends the position information of the self-service terminal to a bank server corresponding to a mobile phone bank of a bank id;
and the bank server corresponding to the mobile phone bank of the bank id corrects the face matching threshold based on the position information, and determines whether the face of the current user sent by the self-service terminal is consistent with the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number based on the corrected face matching threshold.
4. The method for controlling interbank transactions according to claim 1, wherein the banking server corresponding to the mobile banking in the bank id performs accounting processing on the account of the user based on the received serial number, the first hash value and the transaction information, and includes:
a bank server corresponding to a mobile phone bank of the bank id sends the received serial number and the first hash value to a block chain, and a corresponding second hash value is obtained;
a bank server corresponding to a mobile phone bank of the bank id generates a third hash value according to the received transaction information;
and comparing the second hash value with the third hash value by the bank server corresponding to the mobile phone bank of the bank id, and performing financial processing on the account of the user based on the comparison result.
5. The blockchain-based cross-line transaction control method according to claim 1, wherein the cash transaction reservation application includes an expiration date and a geographical range;
further comprising:
the bank server corresponding to the mobile phone bank determines a transaction time range according to the geographic range and feeds the transaction time range back to the user;
when the bank id, the serial number and the first hash value are uploaded to the block chain, the bank server corresponding to the mobile phone bank also uploads the valid period, the geographic range and the transaction time range to the block chain;
after finding the corresponding first hash value according to the hash value and before determining whether the transaction completion identifier and the second hash value corresponding to the first hash value exist or not, the block chain also judges whether the current time is within the validity period range or within the transaction time range and whether the position of the self-service terminal is within the geographic range or not;
and if the first hash value and the second hash value are met, determining whether a transaction completion identifier and a second hash value corresponding to the first hash value exist, and if not, returning the serial number and the bank id to the self-service terminal.
6. The inter-bank transaction control method based on the blockchain as claimed in claim 5, wherein a bank server corresponding to the mobile banking determines a transaction time range according to the geographic range, including:
a bank server corresponding to the mobile phone bank obtains transaction data of banking outlets in the geographic range, and determines the transaction amount and the risk probability of each time period in a plurality of time periods;
determining a partial order of the time periods according to the transaction amount and the risk probability, wherein the partial order is used for determining whether the first time period is better than the second time period in any two time periods;
determining a maximum time period in the plurality of time periods according to a partial order of the time periods, wherein the maximum time period is a maximum element of the partial order;
and determining the maximum time period in the time periods as the transaction time range corresponding to the geographic range.
7. The method for controlling the block chain-based cross-bank transaction according to claim 6, wherein determining the partial order of the time periods according to the transaction amount and the risk probability comprises:
in determining the partial order of the time periods, for any two time periods, if the transaction amount of a first time period of the two time periods is greater than or equal to the transaction amount of a second time period of the two time periods, and the risk probability of the first time period is less than or equal to the risk probability of the second time period, determining that the first time period is better than the second time period.
8. A blockchain-based cross-bank transaction control system, comprising: cell-phone bank, the bank server that cell-phone bank corresponds, block chain, self service terminal and the bank server that self service terminal corresponds for: the method for controlling inter-bank transaction based on block chain as claimed in any claim 1 to 7.
9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the method for controlling a block chain based cross-bank transaction according to any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, and when the computer program is executed by a processor, the method for controlling the blockchain-based cross-line transaction according to any one of claims 1 to 7 is implemented.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, implements the blockchain based cross-row transaction control method according to any one of claims 1 to 7.
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