WO2019015474A1 - Procédé, appareil et système de gestion permettant d'augmenter la sécurité d'un échange d'effets commerciaux - Google Patents

Procédé, appareil et système de gestion permettant d'augmenter la sécurité d'un échange d'effets commerciaux Download PDF

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Publication number
WO2019015474A1
WO2019015474A1 PCT/CN2018/094221 CN2018094221W WO2019015474A1 WO 2019015474 A1 WO2019015474 A1 WO 2019015474A1 CN 2018094221 W CN2018094221 W CN 2018094221W WO 2019015474 A1 WO2019015474 A1 WO 2019015474A1
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Prior art keywords
blockchain
transaction
management
ticket
user
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PCT/CN2018/094221
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English (en)
Chinese (zh)
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李冠男
刘菲
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北京京东金融科技控股有限公司
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Publication of WO2019015474A1 publication Critical patent/WO2019015474A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/045—Payment circuits using payment protocols involving tickets
    • G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present disclosure relates to the technical field related to data processing, and in particular, to a management method, apparatus, and system for improving ticket transaction security.
  • the commercial draft is issued by the drawer, and the entrusted payer unconditionally pays the determined amount to the payee or the holder's bill on the specified date.
  • the bill itself must be stamped with a valid seal before it can be circulated.
  • the Electronic Commercial Draft System is built and managed by the People's Bank of China. It provides services related to electronic commercial money order currency payment and fund liquidation behavior, and provides paper commercial money order registration inquiry service and commercial money order transfer discount public quotation service. Business processing platform.
  • the electronic commercial bill of exchange business processing function module is the core module of the electronic commercial bill of exchange system.
  • the electronic commercial bill of exchange business processing functions mainly include:
  • Answer the other party sends a telegram (short for electronic commercial bill of exchange), how to sign);
  • the prior art has the following disadvantages: trader (system trader, system participant or user) and commercial bill of exchange information have low integrity and transparency, may have problems such as trade background fraud, and have high transaction risk; if cyber attack Or the storage is abnormal, the information is falsified, lost, etc.; the transaction process is not standardized, the record is incomplete, there is a phenomenon that the electronic commercial bill of exchange endorsement is discontinuous, one ticket is more sold; multiple complex audits are required, the review is difficult and the cost is high, and the efficiency is low.
  • the transaction process relies too much on intermediaries.
  • a management method for improving ticket transaction security comprising: user information management and membership authentication based on blockchain technology; generating electronic tickets by using blockchain technology; and in a blockchain The transaction of the electronic receipt is performed.
  • the performing user information management and membership authentication based on the blockchain technology includes: acquiring user information of a user and assigning a member number to the user; and calling member management of the blockchain
  • the service guide generates a local public/private key, and assigns a unique identifier to the user; audits the user information to obtain a rating result; assigns a data encryption public/private key, and writes the user information and the rating result Into the blockchain and publish to other nodes in the blockchain.
  • the generating the electronic ticket by using the blockchain technology includes: receiving a transaction request issued by a user and performing user qualification verification; and when the verification is successful, receiving the ticket information of the user;
  • the ticket information is subjected to an audit evaluation to obtain an audit score;
  • the ticket information and the audit score are written into a blockchain, a blockchain electronic ticket is generated and a unique identifier is assigned, and is distributed to other nodes in the blockchain.
  • the performing the transaction of the electronic ticket on a blockchain includes: receiving a user-initiated transaction request; and entering a corresponding business process when the transaction request satisfies a transaction rule;
  • the transaction request is audited and verified according to pre-established business rules and laws and regulations; when the transaction is verified by auditing, the distributed ledger of the blockchain is used to record each transaction and mark the complete time stamp;
  • the ticket information and transaction results are written to the blockchain and issued to other nodes in the blockchain.
  • the method further includes: configuring a business rule on the smart contract service according to the corresponding business logic, and storing the business rule in the blockchain contract state storage; docking the legal regulatory agency, configuring Legal and regulatory model.
  • the performing the transaction of the electronic receipt on the blockchain further includes: calling a data query API interface to perform counterparty credit collection, evaluation, and risk management in real time.
  • a management apparatus for improving ticket transaction security including: a user security management module, configured to perform user information management and membership authentication based on a blockchain technology; and a ticket security management module For generating an electronic ticket by using a blockchain technology; a transaction process security management module for performing the transaction of the electronic ticket on the blockchain.
  • a management system for improving security of an electronic ticket transaction including an application layer, a business layer, and a basic service layer; wherein the application layer includes a blockchain ticket management system,
  • the blockchain ticket management system is a platform for users to participate in system transactions;
  • the business layer includes member management, ticket management, and transaction management;
  • the basic service layer includes a data storage service, a blockchain service, and an API interface.
  • the functions of the member management include member registration, member review, file management, and member information management; and the functions of the ticket management include ticket verification, ticket issuing, and ticket status change;
  • the functions of transaction management include bill acceptance, pledge, transfer, and discounted business management.
  • the data storage service includes a legacy database, a blockchain technology transition period backup database, and a blockchain storage;
  • the blockchain service includes a member service, a consensus mechanism, and a smart contract
  • the API interface includes a transaction initiation API interface, a member management API interface, a data query API interface, and a node information view API interface.
  • a computer readable medium having stored thereon a computer program, the program being executed by a processor to implement a management method for improving ticket transaction security in the above embodiment.
  • an electronic device comprising: one or more processors; and storage means for storing one or more programs; when the one or more programs are The processor executes such that the one or more processors implement the management method for improving ticket transaction security in the above embodiments.
  • the management method, device and system for improving ticket transaction security provided by the exemplary embodiments of the present disclosure can provide authenticity and reliability of trader and bill information, eliminate message asymmetry and reduce transaction risk.
  • the electronic ticket transaction on the blockchain can improve information security.
  • FIG. 1 is a schematic diagram showing a system architecture diagram of a management method for improving ticket transaction security or a management apparatus for improving ticket transaction security to which the present application can be applied.
  • FIG. 2 is a flow chart schematically showing a management method for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • FIG. 3 schematically illustrates a flow chart of another management method for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • FIG. 4 schematically illustrates a flow chart for improving user security in an exemplary embodiment of the present disclosure.
  • FIG. 5 schematically illustrates a flow chart for improving ticket security in an exemplary embodiment of the present disclosure.
  • FIG. 6 schematically illustrates a flow chart for improving the security of a transaction process in an exemplary embodiment of the present disclosure.
  • FIG. 7 is a block diagram schematically showing a management apparatus for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • FIG. 8 is a schematic block diagram showing an architectural system for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • FIG. 9 schematically illustrates a flow chart of a membership authentication in an exemplary embodiment of the present disclosure.
  • FIG. 10 schematically illustrates a flow chart for generating an electronic commercial money order in an exemplary embodiment of the present disclosure.
  • Figure 11 schematically illustrates a flow chart of a commercial bill of exchange acceptance in an exemplary embodiment of the present disclosure.
  • FIG. 12 schematically illustrates a flow chart of a commercial bill of exchange discount in an exemplary embodiment of the present disclosure.
  • FIG. 13 schematically shows a block diagram of an electronic device in an exemplary embodiment of the present disclosure.
  • Blockchains are new application models for computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, and encryption algorithms.
  • the so-called consensus mechanism is a mathematical algorithm for realizing trust and acquiring rights between different nodes in the blockchain system.
  • Blockchain - the original blockchain - is a decentralized database that contains a list of blocks, with continuously growing and well-organized records. Each block contains a timestamp and a link to the previous block: the design blockchain makes the data untamperable - once recorded, the data in one block will be irreversible.
  • a plurality of pre-selected nodes are designated as billers within a group, and the generation of each block is determined by all pre-selected nodes (pre-selected nodes participate in the consensus process). Other access nodes can participate in the transaction, but the accounting process is essentially (essentially managed accounting, just become distributed accounting, how many pre-selected nodes, how to determine the biller of each block becomes the blockchain The main risk point), anyone else can use the blockchain open API (Application Programming Interface) for qualified queries.
  • pre-selected nodes participate in the consensus process.
  • Other access nodes can participate in the transaction, but the accounting process is essentially (essentially managed accounting, just become distributed accounting, how many pre-selected nodes, how to determine the biller of each block becomes the blockchain The main risk point), anyone else can use the blockchain open API (Application Programming Interface) for qualified queries.
  • Decentralization Due to the use of distributed accounting and storage, there is no centralized hardware or management organization, the rights and obligations of any node are equal, and the data blocks in the system are jointly maintained by the nodes with maintenance functions in the whole system. .
  • Openness The system is open. In addition to the private information of the parties to the transaction being encrypted, the data of the blockchain is open to everyone. Anyone can query the blockchain data and develop related applications through the public interface, so the whole system The information is highly transparent.
  • Blockchain adopts consensus-based specifications and protocols (such as a set of transparent and transparent algorithms) to enable all nodes in the entire system to exchange data freely and securely in a trusted environment, so that the "people" want to trust Become a trust in the machine, and any human intervention does not work.
  • Anonymity Since the exchange between nodes follows a fixed algorithm, the data interaction does not need to be trusted (the program rules in the blockchain will judge whether the activity is valid), so the counterparty does not need to open the identity to let the other party generate itself. Trust is very helpful for the accumulation of credit.
  • the blockchain core technologies include:
  • the first one is called the distributed ledger, which means that the transaction accounting is completed by multiple nodes in different places, and each node records the complete accounts, so they can all participate in supervising the legality of the transaction, and they can also jointly testify.
  • no single node can record accounts separately, thus avoiding the possibility of a single biller being controlled or being bribed to account for false accounts.
  • there are enough billing nodes in theory, unless all nodes are destroyed, the accounts will not be lost, thus ensuring the security of the account data.
  • the second is called asymmetric encryption and authorization technology.
  • the transaction information stored in the blockchain is public, but the account identity information is highly encrypted and can only be accessed if the data owner authorizes it, thus ensuring the data. Security and personal privacy.
  • the third is called the consensus mechanism, which is how to reach a consensus among all the accounting nodes to determine the validity of a record. This is both a means of identification and a means of preventing tampering.
  • the blockchain proposes four different consensus mechanisms that apply to different application scenarios and strike a balance between efficiency and security. Taking Bitcoin as an example, the proof of workload is used. Only when the accounting node of the whole network exceeds 51% is controlled, it is possible to forge a record that does not exist. This is basically impossible when there are enough nodes to join the blockchain, thus eliminating the possibility of fraud.
  • smart contracts are based on these trusted, non-tamperable data that can be automated to execute some predefined rules and terms.
  • a smart contract is a set of commitments defined in digital form, including agreements on which contract participants can execute these commitments.
  • Distributed computing is a computer science that studies how to divide a problem that requires a very large computational power into many small parts, then distributes those parts to many computers for processing, and finally combines these calculations. Get up to get the final result.
  • Distributed network storage technology is the decentralized storage of data on multiple independent machines.
  • the distributed network storage system adopts a scalable system structure, which utilizes multiple storage servers to share the storage load and locates the storage information by using the location server, which not only solves the bottleneck problem of the single storage server in the traditional centralized storage system, but also improves the reliability of the system. Sex, usability and scalability.
  • the application programming interface is a predefined function that provides the ability for applications and developers to access a set of routines based on a piece of software or hardware without having to access the source code or understand the details of the internal workings.
  • Discount means that after the forward draft is accepted, the holder of the bill is transferred in the discount market before the bill has not expired. After the deductor deducts the discount interest, the ticket will be paid to the behavior of the person or the bank purchase will not expire. Bill business.
  • Endorsement refers to the behavior of the ticket holder to record the relevant matters and sign the bill on the back of the bill of exchange or on the sticky note for the purpose of transferring the bill of exchange right or granting a certain bill of exchange rights.
  • Acceptance that is, promised redemption, is an act of the payer signing on the bill of exchange indicating that he promises to assume the payment obligation in the future when the bill of exchange expires.
  • the acceptance act only occurs in the relevant activities of the forward draft. Promissory notes, cheques and demand drafts are unlikely to be accepted.
  • FIG. 1 is a schematic diagram showing a system architecture diagram of a management method for improving ticket transaction security or a management apparatus for improving ticket transaction security to which the present application can be applied.
  • system architecture 100 can include terminal devices 101, 102, 103, network 104, and server 105.
  • the network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105.
  • Network 104 may include various types of connections, such as wired, wireless communication links, fiber optic cables, and the like.
  • the user can interact with the server 105 over the network 104 using the terminal devices 101, 102, 103 to receive or transmit messages and the like.
  • Various communication client applications such as a shopping application, a web browser application, a search application, an instant communication tool, a mailbox client, a social platform software, and the like, may be installed on the terminal devices 101, 102, and 103.
  • the terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop portable computers, desktop computers, and the like.
  • the server 105 may be a server that provides various services, such as a background management server that provides support for the user to submit various data using the terminal devices 101, 102, and 103.
  • the background management server can perform processing such as analysis on the received data, and feed back the processing result to the terminal device.
  • the management method for improving the security of the ticket transaction provided by the embodiment of the present application is generally performed by the server 105. Accordingly, the management device for improving the security of the ticket transaction is generally disposed in the server 105.
  • terminal devices, networks, and servers in Figure 1 is merely illustrative. Depending on the implementation needs, there can be any number of terminal devices, networks, and servers.
  • the management method for improving ticket transaction security may include the following steps.
  • step S110 user information management and membership authentication are performed based on the blockchain technology.
  • Block Chain is an important concept of Bitcoin. It is essentially a decentralized database and serves as the underlying technology and infrastructure of Bitcoin.
  • a blockchain is a string of data blocks generated using cryptographic methods. Each block contains information about a bitcoin network transaction for verifying the validity of its information (anti-counterfeiting) and generating the next block.
  • a blockchain is a chained data structure that combines data blocks in a sequential manner in chronological order, and cryptographically guaranteed non-tamperable and unforgeable distributed ledgers.
  • blockchain technology uses blockchain data structures to validate and store data, use distributed node consensus algorithms to generate and update data, and use cryptography to ensure data transmission and access security, using automated scripts.
  • the code consists of a smart contract to program and manipulate data in a completely new distributed infrastructure and computing paradigm.
  • Blockchain design is a protection measure, such as (applied) to a highly fault-tolerant distributed computing system.
  • the blockchain makes mixing consistency possible. This makes the blockchain suitable for recording events, headlines, medical records and other activities that require data collection, identity management, transaction process management and provenance management.
  • Blockchain has enormous potential for financial disintermediation and has a huge impact on leading global trade.
  • Blockchain is a distributed transaction authentication and data sharing technology, also known as Distributed Shared Ledger.
  • the performing user information management and membership authentication based on the blockchain technology may include: acquiring user information of the user and assigning the member number to the user; calling the member management service of the blockchain to guide the local generation a public/private key, and assigning a unique identifier to the user; reviewing the user information to obtain a rating result; assigning a data encryption public/private key, writing the user information and the rating result to a blockchain And released to other nodes in the blockchain.
  • step S120 an electronic ticket is generated using a blockchain technique.
  • the ticket mentioned in the embodiment of the present invention may include any tradable ticket that needs to be verified, which is not limited by the disclosure.
  • the ticket of the type of commercial money order is used for illustration. However, the scope of protection of the present disclosure is not limited.
  • the generating the electronic receipt by using the blockchain technology may include: receiving a transaction request issued by a user and performing user qualification verification; receiving the ticket information of the user when the verification is successful; and the ticket information An audit evaluation is performed to obtain an audit score; the ticket information and the audit score are written into the blockchain, a blockchain electronic ticket is generated and a unique identifier is assigned, and is issued to other nodes in the blockchain.
  • step S130 the transaction of the electronic receipt is performed on the blockchain.
  • the performing the transaction of the electronic receipt on the blockchain may include: receiving a user-initiated transaction request; entering the corresponding business process when the transaction request satisfies the transaction rule; The business rules and laws and regulations review and verify the transaction request; when the transaction is verified by the audit, the distributed ledger of the blockchain records each transaction and marks the complete time stamp; the updated ticket information and The result of the transaction is written to the blockchain and posted to other nodes in the blockchain.
  • the method may further include: configuring a business rule on the smart contract service according to the corresponding business logic, and storing the business rule in the blockchain contract state storage; docking the legal regulatory agency, configuring the legal regulatory model .
  • the performing the transaction of the electronic receipt on the blockchain may further include: invoking a data query API interface to perform counterparty credit collection, evaluation, and risk management in real time.
  • the management method for improving the security of bill transactions can improve the authenticity and reliability of traders and bills such as commercial bills information, and eliminate the problem of information asymmetry by using blockchain technology.
  • Trading risk on the other hand, the blockchain has the characteristics of consistent data storage, tampering, and non-repudiation, and commercial banknote storage, transfer, and transaction on the blockchain to improve information security.
  • the use of the blockchain can make every movement of a bill, such as a commercial bill, clear and "chain" checkable characteristics, fundamentally solve the fraud and quest in the value exchange and transfer.
  • the phenomenon of renting increases the continuity of endorsement of electronic commercial bills and prevents more than one ticket.
  • the transaction process can be simplified and efficiency can be improved by formulating common business rules and review mechanisms. Relying on the open and non-tamperable attributes of blockchain technology, a decentralized trust mechanism is established to remove the interference of the transaction process intermediary.
  • Embodiments of the present invention combine a ticket (such as a commercial money order) with a blockchain technology to construct a management system, which is based on blockchain technology, to improve system traders, namely, users, commercial drafts, and transaction processes. Security in terms of aspects to ensure the security of bills such as commercial bills transactions.
  • FIG. 3 schematically illustrates a flow chart of another management method for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • the management method for improving ticket transaction security may include the following steps.
  • step S210 user security is improved.
  • the improving user security may further include the following steps:
  • the expert group grants corresponding authority to the user information review rating
  • step S220 ticket security is improved.
  • the ticket such as commercial bill of exchange security, may further include the following steps:
  • the expert group reviews the information on the commercial ticket and gives an audit recommendation
  • the system generates a blockchain electronic commercial bill of exchange and assigns a unique identifier
  • step S230 the transaction process security is improved.
  • the improving the security of the transaction process may further include the following steps:
  • FIG. 4 schematically illustrates a flow chart for improving user security in an exemplary embodiment of the present disclosure. As shown in FIG. 4, the improving user security may include the following steps.
  • step S211 when the user performs system registration, the user type is determined and the user information is acquired.
  • user information is obtained: when the user performs system registration, the user fills in the registration information and submits the registration application, first determines the user type, and if it is XX (for example, an e-commerce platform), the supplier displays its qualification information to the user for confirmation. If not the XX supplier, guide the user to submit qualification information. The user information is then saved and the member number is assigned to the user.
  • XX for example, an e-commerce platform
  • step S212 the member management service of the blockchain is invoked to guide the user to generate the local public/private key.
  • the user is assigned a unique identifier (the unique identifier here is the same as the member number of the above step S211, and is consistent with each other): the member management service of the blockchain is invoked through the member management API interface to provide the system trader with The member registration function guides the user to generate a local public/private key.
  • the registration information in step S211 is to register basic information at the management system level
  • the registration function in step S212 is to provide a blockchain registration service for the user
  • the blockchain has a member management service
  • the local service is generated through the service. Public/private key used to log in to the system.
  • step S213 the identity authentication, the credit information reference, and the temporary audit group review and evaluation.
  • the main audit methods may include: identity authentication, credit information reference, and temporary audit group audit evaluation results.
  • identity authentication is mainly to verify the identity of the user, check whether the information submitted by the user and the uploaded document information are true; the members of the temporary audit group are selected from the members of the audit group according to the domain and industry of the user, and the temporary audit group comprehensive user credit information.
  • the information and trade background are reviewed and evaluated, and the results of the consensus review are given. Users can be granted different system privileges based on different ratings.
  • the rating result may include, but is not limited to, a high-quality user (direct transaction authority), a general user (a transaction authority after applying for authorization), a high-risk user (a transaction authority cannot be), and the like.
  • step S214 the data encryption public key/private key is allocated, the user information and the audit result are written into the blockchain and the user admission information is issued to other nodes.
  • the user information is written/recorded to the blockchain: the data encryption public key/private key is assigned, the user information and the audit result are written into the blockchain and the user admission information is issued (the user access information here is only the user) Admission notices this information) to other nodes.
  • step S212 is used to encrypt the user information
  • step S214 is used to encrypt the data, instead of being the user.
  • Information encryption is used to encrypt the data.
  • FIG. 5 schematically illustrates a flow chart for improving ticket security in an exemplary embodiment of the present disclosure. As shown in FIG. 5, the improving ticket security may include the following steps.
  • step S221 the system receives the transaction request issued by the user and performs user qualification verification, and receives the user commercial money order information after verification.
  • the bill is verified, for example, a commercial bill source: the system receives the transaction request issued by the user and performs user qualification verification, and after receiving the verification, receives the user bill, such as commercial bill of exchange information.
  • a commercial bill source the system receives the transaction request issued by the user and performs user qualification verification, and after receiving the verification, receives the user bill, such as commercial bill of exchange information.
  • step S222 a temporary audit group is formed by screening from the audit group members according to the field, region, and the like of the bill.
  • the (temporary) audit team is formed (the audit team is extracted from the expert group, not fixed): the audit rating work is carried out by the temporary audit team, and the members of the temporary audit team are based on the field of the bill (the company can be issued according to the bill) Industry division), geographical area, etc. are composed of members of the audit team.
  • an audit model may be formed according to the adjustment of the basic model provided by the system.
  • an audit model is built: the audit model can be adjusted based on the underlying model provided by the system.
  • the basic audit model can include basic financial information, production and operation, financing, bank loans and credit status, and the weight of each item can be adjusted.
  • the base model can include all the options, and then assign the weight ratio reasonably. Based on this, the partial weight ratio can be adjusted to 0 according to actual needs, and the weight can be ignored.
  • step S224 the model evaluation results of the members of the interim review team are weighted and averaged to obtain an audit score.
  • the review score is performed in this step.
  • the model evaluation results of the members of the interim review team can be combined and weighted averaged to arrive at a final rating result.
  • step S225 the merchant ticket content and the audit score are written into the blockchain.
  • the trade ticket information is written to the blockchain (here, it can refer to all the information on the trade ticket (short for commercial draft)): after reviewing the rating, the trade ticket content and the rating result are written into the blockchain, and the generation zone is generated.
  • the business ticket information and the rating result are written into the blockchain database, and then the electronic commercial bill of exchange template is configured on the front end, and each stored information record is captured by the application, which is an electronic commercial bill of exchange.
  • FIG. 6 schematically illustrates a flow chart for improving the security of a transaction process in an exemplary embodiment of the present disclosure.
  • the improving transaction process security may include the following steps.
  • step S231 the business expert configures the business rules on the smart contract service according to the corresponding business logic.
  • the business rules are configured: the transaction process relies on the intelligent contract service of the blockchain, and the business expert configures the business rules on the smart contract service according to the corresponding business logic, and stores them in the blockchain contract state storage.
  • step S232 the legal and regulatory regulatory agency is docked, and the legal and regulatory supervision model is configured to influence the whole process of the transaction behavior.
  • the transaction process is regulated by law: docking legal and regulatory authorities, configuring legal and regulatory supervision models, affecting the whole process of transaction behavior, and solving the legality of basic transactions. For example, first set up several models according to the scope of laws and regulations, and point out the keywords, then search the transaction information according to the keywords, and the search results match the model.
  • step S233 the system trader initiates a transaction request through the transaction initiation API, and invokes different smart contract services depending on the transaction type.
  • the intelligent transaction is realized: the system trader initiates the transaction application/request through the transaction initiation API of the blockchain, and calls different smart contract services according to the transaction type (for example, acceptance, discount).
  • the smart contract service refers to the business rules implemented by the blockchain technology. According to the actual needs of the business system, it is configured in the system.
  • the acceptance service can be configured with a acceptance contract
  • the discount service is configured with a discount contract.
  • step S234 the transaction participant can also perform the counterparty credit collection, evaluation and risk management in real time by calling the data query API.
  • the transaction participant can also perform the transaction partner's credit collection, evaluation and risk management and control in real time by calling the data query API.
  • step S235 the system specifies that the entire transaction process needs to be completed on the system platform, using a distributed ledger of the blockchain to record each transaction and mark the full timestamp.
  • the transaction process is accurately recorded: the system needs to complete the entire transaction process on the system platform, using the distributed chain of the blockchain (Distributed Ledger) to record each transaction and mark the complete time stamp to ensure that the transaction behavior is fully recorded and Traceable; record the transaction results and mark the transaction status.
  • the electronic commercial draft status attributes include expired, unexpired, accepted, discounted, etc., and the corresponding status is marked according to the transaction result. And publish the results to other nodes.
  • FIG. 7 is a block diagram schematically showing a management apparatus for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • the management apparatus 100 for improving ticket transaction security may include a user security management module 110, a ticket security management module 120, and a transaction process security management module 130.
  • the user security management module 110 can be used for user information management and membership authentication based on the blockchain technology.
  • the ticket security management module 120 can be used to generate electronic tickets using blockchain technology.
  • the transaction process security management module 130 can be configured to conduct transactions of the electronic ticket over a blockchain.
  • the embodiment of the present disclosure further provides a management system for improving the security of an electronic ticket transaction, and the system may include an application layer, a service layer, and a basic service layer.
  • the application layer may include a blockchain ticket management system, and the blockchain ticket management system is a platform for users to participate in system transactions.
  • the business layer may include member management, ticket management, and transaction management.
  • the member management function may include member registration, member review, file management, and member information management; the function of the ticket management may include ticket verification, ticket issuing, ticket status change; The functions may include bill acceptance, pledge, transfer, and discounted business management.
  • the basic service layer may include a data storage service, a blockchain service, and an API interface.
  • the data storage service may include a legacy database, a blockchain technology transition period backup database, and a blockchain store; the blockchain service may include a member service, a consensus mechanism, and a smart contract;
  • the API interface may include a transaction initiation API interface, a member management API interface, a data query API interface, and a node information view API interface.
  • FIG. 8 is a schematic block diagram showing an architectural system for improving ticket transaction security in an exemplary embodiment of the present disclosure.
  • the embodiment of the present invention exemplifies the above-mentioned management system for improving the security of electronic ticket transactions by taking a commercial money order (referred to as "commercial ticket”) as an example.
  • commercial ticket a commercial money order
  • the blockchain electronic commercial bill of exchange management system is mainly divided into an application layer, a service layer, and a basic service layer in the system architecture.
  • the application layer may include a blockchain business ticket management system and a background operation system, and the blockchain business ticket management system is a platform for traders to participate in system transactions.
  • the back-end operation system is the entrance for system maintenance personnel to perform system maintenance.
  • the business layer can mainly include three parts: membership management, ticket management and transaction management.
  • Member management functions can include member registration, member review, file management (management member's file information), and member information management.
  • the ticket management function may include ticket verification, ticketing, and ticket status change.
  • the transaction management function can include commercial ticket acceptance, pledge, transfer, and discount business management.
  • the basic service layer mainly includes three parts: data storage service, blockchain service and API interface.
  • Data storage includes traditional databases (which can be used to store system information), blockchain technology transition backup databases (which can be used to back up blockchain data), and blockchain storage (including contract state storage, transaction storage, and Block data storage, which can be used to store member information, trade ticket information, transaction information).
  • Blockchain services can primarily include member services, consensus mechanisms, and smart contracts.
  • the API interface may include a transaction initiation interface, a member management interface, a data query interface, and a node information viewing interface (to view node state information usage, which is called when a node state needs to be viewed).
  • the PBFT in the consensus mechanism of Figure 8 is an abbreviation of Practical Byzantine Fault Tolerance, which means using the Byzantine fault-tolerant algorithm, which is an algorithm name.
  • FIG. 9 schematically illustrates a flow chart of a membership authentication in an exemplary embodiment of the present disclosure.
  • the membership authentication can include the following steps:
  • the system authenticates the user, saves the user information and assigns the member number, and then the system will guide the user to generate the local public/private key.
  • accounting is the self-characteristic of the blockchain.
  • the action of writing the blockchain is called accounting
  • accounting is the statement of storing data
  • other nodes record the data sent by the information node. After the accounting is completed, the same information will be released to other nodes of the system to achieve information synchronization.
  • FIG. 10 schematically illustrates a flow chart for generating an electronic commercial money order in an exemplary embodiment of the present disclosure.
  • the generating an electronic commercial draft may include the following steps:
  • the core enterprise in the embodiment of the present invention refers to a high-quality enterprise and can be given higher trust.
  • FIG. 11 schematically illustrates a flow chart of a commercial bill of exchange acceptance in an exemplary embodiment of the present disclosure.
  • FIG. 12 schematically illustrates a flow chart of a commercial bill of exchange discount in an exemplary embodiment of the present disclosure.
  • the transaction flow of a commercial money order according to an embodiment of the present invention may include the following steps:
  • the user initiates a transaction (acceptance, discount, etc.) request in the blockchain business ticket management system, and the system confirms whether the request satisfies the transaction rule, and if yes, enters the corresponding business process, and if not, returns the unsatisfied reason.
  • An abnormal state refers to a state other than the normal trading state.
  • the reason for the failure of the audit may be: the bill buyer reviews the credit risk of the bill acceptor, verifies the authenticity of the bill, reviews the documentary information, and so on.
  • the management method, device and system for improving the security of electronic ticket transaction realize programmable digitalized ticket based on blockchain technology, user information management function based on blockchain technology, based on block
  • the chain technology supports intelligent risk control and transaction settlement bill management functions and a peer-to-peer distributed peer-to-peer network, which realizes the whole process management system of bill business from issuance to redemption through the form of alliance chain.
  • the user information and commercial bill of exchange data in the system are complete and transparent, and the transaction information is authentic and reliable.
  • transactions are performed on the blockchain, which improves the security of the transaction.
  • it can improve the continuity of electronic commercial bills endorsement, prevent one ticket from selling, improve transaction security, simplify transaction and review process, improve efficiency and reduce audit cost, and remove interference from transaction process intermediary.
  • modules or units of equipment for action execution are mentioned in the detailed description above, such division is not mandatory. Indeed, in accordance with embodiments of the present disclosure, the features and functions of two or more modules or units described above may be embodied in one module or unit. Conversely, the features and functions of one of the modules or units described above may be further divided into multiple modules or units.
  • FIG. 13 a block diagram of an electronic device 600 suitable for implementing embodiments of the present application is shown.
  • the electronic device shown in FIG. 13 is merely an example, and should not impose any limitation on the function and scope of use of the embodiments of the present application.
  • the electronic device 600 includes a central processing unit (CPU) 601 that can be loaded into a program in a random access memory (RAM) 603 according to a program stored in a read only memory (ROM) 602 or from a storage portion 608. And perform various appropriate actions and processes.
  • RAM random access memory
  • ROM read only memory
  • various programs and data required for the operation of the system 600 are also stored.
  • the CPU 601, the ROM 602, and the RAM 603 are connected to each other through a bus 604.
  • An input/output (I/O) interface 605 is also coupled to bus 604.
  • the following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), and the like, and a storage portion 608 including a hard disk or the like. And a communication portion 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the Internet.
  • Driver 610 is also coupled to I/O interface 605 as needed.
  • a removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory or the like, is mounted on the drive 610 as needed so that a computer program read therefrom is installed into the storage portion 608 as needed.
  • an embodiment of the present disclosure includes a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for executing the method illustrated in the flowchart.
  • the computer program can be downloaded and installed from the network via communication portion 609, and/or installed from removable media 611.
  • the central processing unit (CPU) 601 the above-described functions defined in the system of the present application are executed.
  • each block of the flowchart or block diagrams can represent a module, a program segment, or a portion of code that includes one or more Executable instructions.
  • the functions noted in the blocks may also occur in a different order than that illustrated in the drawings. For example, two successively represented blocks may in fact be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending upon the functionality involved.
  • each block of the block diagrams or flowcharts, and combinations of blocks in the block diagrams or flowcharts can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be used A combination of dedicated hardware and computer instructions is implemented.
  • the units involved in the embodiments of the present application may be implemented by software or by hardware.
  • the described unit may also be provided in the processor, for example, as a processor comprising a transmitting unit, an obtaining unit, a determining unit and a first processing unit.
  • the name of these units does not constitute a limitation on the unit itself in some cases.
  • the sending unit may also be described as “a unit that sends a picture acquisition request to the connected server”.
  • the present application further provides a computer readable medium, which may be included in the apparatus described in the above embodiments, or may be separately present and not incorporated into the apparatus.
  • the computer readable medium carries one or more programs, and when the one or more programs are executed by the device, the device includes: user information management and membership authentication based on blockchain technology; and utilizing a blockchain The technology generates an electronic ticket; the transaction of the electronic ticket is performed on the blockchain.

Abstract

L'invention concerne un procédé, un appareil et un système de gestion permettant d'augmenter la sécurité d'un échange d'effets commerciaux. Le procédé de gestion permettant d'augmenter la sécurité d'un échange d'effets commerciaux consiste à : effectuer une gestion d'informations d'utilisateur ainsi qu'une authentification d'identités de membres d'après une technologie de chaîne de blocs ; générer des effets commerciaux électroniques à l'aide de la technologie de chaîne de blocs ; et procéder à un échange desdits effets commerciaux électroniques sur une chaîne de blocs. Selon l'invention, la sécurité de l'échange d'effets commerciaux électroniques peut être augmentée à l'aide d'une technologie de chaîne de blocs.
PCT/CN2018/094221 2017-07-17 2018-07-03 Procédé, appareil et système de gestion permettant d'augmenter la sécurité d'un échange d'effets commerciaux WO2019015474A1 (fr)

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