CN106408299B - Electronic intelligent signing payment method based on block chain technology - Google Patents
Electronic intelligent signing payment method based on block chain technology Download PDFInfo
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Abstract
The invention discloses an electronic intelligent signing payment method based on a block chain technology, which belongs to the technical field of electronic contracts and comprises a public payment block chain layer, an intelligent contract platform layer, a contract establishing layer and a contract signing layer, so that the signing link and the fulfillment link (namely payment) of an electronic contract are effectively integrated, and the intelligence and the automation degree of related services of the electronic contract are improved.
Description
Technical Field
The invention belongs to the technical field of electronic contracts.
Background
In recent years, with the national standardization requirements for internet behaviors and the continuous development of information technology, electronic contracts are rapidly developed with the advantages of convenient transmission, cost saving, incapability of counterfeiting and the like. An electronic contract is an electronic agreement between two or more parties under network conditions to define a right-to-two obligation relationship in the form of electronic data through an electronic information network for a certain purpose.
Most of the current electronic contract related products are based on identity authentication and digital signature technology. And the user verifies the identity through registration and binds a corresponding digital certificate, and when the user performs signing action, the hash value of the original text of the data to be signed is triggered to perform signature algorithm calculation. The cipher text generated by signature can only be verified by corresponding certificate, thus achieving the aim of data anti-counterfeiting. And the related payment settlement caused by the user signing behavior is realized by adopting a mode that a service system calls a traditional payment gateway.
Because of the openness of the data to be signed, the system does not perform business interference on contract contents and only completes data signature. Meanwhile, because the settlement is carried out by depending on the traditional payment gateway, most of the current electronic contract related products have the following defects:
the electronic signing process and the payment link are mutually independent and are not organically combined. Contract fulfillment (i.e., a payment link) cannot be performed automatically by a computer when certain contract conditions are met. The interested party must be able to change the contract status for the validating party to trigger and complete payment.
The third party payment services are numerous, and the payment process is tedious and non-uniform. The successful completion of the payment behavior depends on the service effectiveness of the payment gateway and is influenced and interfered by various factors such as bank settlement, the maintenance period of the payment service and the like.
The contract and the related party account data are stored in a fixed server, so that the risk of stealing and modifying is high.
Disclosure of Invention
The invention aims to provide an electronic intelligent signing payment method based on a block chain technology, which realizes effective integration of a signing link and a fulfillment link (namely payment) of an electronic contract, thereby improving the intellectualization and the automation degree of related services of the electronic contract.
In order to achieve the purpose, the invention adopts the following technical scheme:
an electronic intelligent signing payment method based on block chain technology comprises the following steps:
step 1: establishing a public payment block chain layer, an intelligent contract platform layer, a contract establishing layer and a contract signing layer, wherein the public payment block chain layer, the intelligent contract platform layer, the contract establishing layer and the contract signing layer are respectively connected together through the Internet;
step 2: the method comprises the following steps that a contract creating party inputs real identity information into a contract creating layer, after the contract creating layer verifies the real identity information of the contract creating party, a block chain payment account is established for the contract creating party, and the block chain payment account of the contract creating party is bound to an intelligent contract platform layer;
the contract signing party inputs the real identity information into a contract signing layer, after the contract signing layer verifies the real identity information of the contract signing party, a block chain payment account is established for the contract signing party, and the block chain payment account of the contract signing party is bound to an intelligent contract platform layer;
and step 3: the intelligent contract platform layer sends a blockchain payment account of a contract creator and a blockchain payment account of a contract signing party to a public payment blockchain layer, the public payment blockchain layer creates a public account book for the contract creator and the contract signing party, and the content of the public account book comprises signing information, payment conditions, payment information and signature information;
and 4, step 4: the method comprises the following steps that a contract creating party compiles a contract at a contract creating layer, the contract creating layer sends the contract to an intelligent contract platform layer, the intelligent contract platform layer issues the contract and sends the contract to a public payment block chain layer, the public payment block chain layer binds the contract with a public account book, and the contract content comprises a contract execution condition and a contract payment condition;
and 5: the contract signing layer calls a contract issued by the intelligent contract platform layer, a contract signing party checks the contract through the contract signing layer and signs the contract through the contract signing layer, the contract signing layer sends the signed contract to the intelligent contract platform layer, the intelligent contract platform layer verifies the information of the signed contract, the verified information comprises signing information, payment conditions, payment information and signature information, after the verification is correct, the intelligent contract platform layer generates block chain transaction information and sends the block chain transaction information to transaction related nodes of the contract creating layer and transaction related nodes of the contract signing layer, payment is completed according to the payment conditions of the contract, the signing information, the payment conditions, the payment information, the block chain transaction information and the signature information are sent to the public payment block chain layer, and the public payment block chain layer sends the signing information, the payment conditions, the block chain transaction information and the signature information to the public payment block chain layer according to the verified, The method comprises the steps that a public account book is synchronized through payment information, block chain transaction information and signature information, a timestamp and a public key corresponding to a user and the public account book are used for signature when the public account book is synchronized, and each piece of signing information comprises a signed contract text hash value, contract creation party identity information, contract signing party identity information, a block chain payment account of a contract creation party, a block chain payment account of the contract signing party, payment information and signing time;
the steps of synchronizing the public account book are as follows:
step A: judging whether the signing information is initial contract signing information: if yes, generating a corresponding unique hash value A, and executing the step C; if not, executing the step B;
and B: judging whether the signing information is the Nth contract signing information: if yes, then generate corresponding unique hash value CNAnd is compared with the hash value C generated last timeN-1Are combined into a hash value CNCN-1N is the number of times of signing the contract and is an integer;
and C: judging whether the signing information is the last contract signing information: if yes, generating a hash value F, executing the step D, and if not, executing the step B;
step D: the public payment block chain layer generates seal information and hash value G, the hash value F and the hash value G are combined into a hash value FG, and all the generated hash values are combined into a final hash value ACNCN-1...CN-XFG, N is the number of times of signing a contract, N is an integer, X is smaller than N, and X is an integer; and generating a random number;
step E: merging the final hash value ACNCN-1...CN-XFG. Storing the parent block hash value, the timestamp and the random number into a block N, wherein the block N is a block where a public account book corresponding to contract information and transaction information is signed each time and is used for synchronizing signing information of the public account book, N is the number of contract signing times and is an integer; the parent block hash value is a final hash value generated after the last signing and contract completion;
step 6: the public payment block chain layer detects the execution condition of the contract and judges whether the execution condition of the contract is met: if yes, executing step 7; if not, executing step 5;
and 7: the intelligent contract platform layer monitors the execution condition of the contract and feeds the execution condition of the contract back to the public payment block chain layer, and the public payment block chain layer judges whether the two signing parties meet the execution condition of the contract according to the execution condition of the contract fed back: if yes, executing step 8; if not, executing step 9;
and 8: ending the contract and synchronizing the ending information of the contract to the public account book at the same time;
and step 9: and the public payment blockchain layer generates blockchain refund information, and sends the blockchain refund information to the transaction related node of the contract creation layer and the transaction related node of the contract signing layer to complete refund.
The public payment blockchain layer, the intelligent contract platform layer, the contract creation layer, the contract signing layer and the transaction related node are servers.
The invention relates to an electronic intelligent signing payment method based on a block chain technology, which realizes the effective integration of the signing link and the fulfillment link (namely payment) of an electronic contract, thereby improving the intellectualization and the automation degree of the related business of the electronic contract; the invention effectively integrates the signing link and the payment link of the electronic contract, thereby greatly improving the intellectualization and the automation degree of the related business of the electronic contract; the payment process gets rid of the constraint of the traditional third-party payment service, and the payment process is unified and simplified; meanwhile, based on the technical characteristic of block chain self-maintenance, the usability of the service is improved; the key data such as contract signing information, payment information, signature information and the like are stored through the block public account book and are not stored on a fixed certain physical device. Based on the verification characteristics of block chain distribution and decentralization, the safety of service and data is greatly improved.
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FIG. 1 is a flow chart of the present invention;
fig. 2 is a flow chart of the present invention for synchronizing public ledgers.
Detailed Description
As shown in fig. 1-2, an electronic intelligent signing payment method based on block chain technology includes the following steps:
step 1: establishing a public payment block chain layer, an intelligent contract platform layer, a contract establishing layer and a contract signing layer, wherein the public payment block chain layer, the intelligent contract platform layer, the contract establishing layer and the contract signing layer are respectively connected together through the Internet;
step 2: the method comprises the following steps that a contract creating party inputs real identity information into a contract creating layer, after the contract creating layer verifies the real identity information of the contract creating party, a block chain payment account is established for the contract creating party, and the block chain payment account of the contract creating party is bound to an intelligent contract platform layer;
the contract signing party inputs the real identity information into a contract signing layer, after the contract signing layer verifies the real identity information of the contract signing party, a block chain payment account is established for the contract signing party, and the block chain payment account of the contract signing party is bound to an intelligent contract platform layer;
and step 3: the intelligent contract platform layer sends a blockchain payment account of a contract creator and a blockchain payment account of a contract signing party to a public payment blockchain layer, the public payment blockchain layer creates a public account book for the contract creator and the contract signing party, and the content of the public account book comprises signing information, payment conditions, payment information and signature information;
and 4, step 4: the method comprises the following steps that a contract creating party compiles a contract at a contract creating layer, the contract creating layer sends the contract to an intelligent contract platform layer, the intelligent contract platform layer issues the contract and sends the contract to a public payment block chain layer, the public payment block chain layer binds the contract with a public account book, and the contract content comprises a contract execution condition and a contract payment condition;
and 5: the contract signing layer calls a contract issued by the intelligent contract platform layer, a contract signing party checks the contract through the contract signing layer and signs the contract through the contract signing layer, the contract signing layer sends the signed contract to the intelligent contract platform layer, the intelligent contract platform layer verifies the information of the signed contract, the verified information comprises signing information, payment conditions, payment information and signature information, after the verification is correct, the intelligent contract platform layer generates block chain transaction information and sends the block chain transaction information to transaction related nodes of the contract creating layer and transaction related nodes of the contract signing layer, payment is completed according to the payment conditions of the contract, the signing information, the payment conditions, the payment information, the block chain transaction information and the signature information are sent to the public payment block chain layer, and the public payment block chain layer sends the signing information, the payment conditions, the block chain transaction information and the signature information to the public payment block chain layer according to the verified, The method comprises the steps that a public account book is synchronized through payment information, block chain transaction information and signature information, a timestamp and a public key corresponding to a user and the public account book are used for signature when the public account book is synchronized, and each piece of signing information comprises a signed contract text hash value, contract creation party identity information, contract signing party identity information, a block chain payment account of a contract creation party, a block chain payment account of the contract signing party, payment information and signing time;
the steps of synchronizing the public account book are as follows:
step A: judging whether the signing information is initial contract signing information: if yes, generating a corresponding unique hash value A, and executing the step C; if not, executing the step B;
and B: judging whether the signing information is the Nth contract signing information: if yes, then generate corresponding unique hash value CNAnd is compared with the hash value C generated last timeN-1Are combined into a hash value CNCN-1N is the number of times of signing the contract and is an integer;
and C: judging whether the signing information is the last contract signing information: if yes, generating a hash value F, executing the step D, and if not, executing the step B;
step D: the public payment block chain layer generates seal information and hash value G, the hash value F and the hash value G are combined into a hash value FG, and all the generated hash values are combined into a final hash value ACNCN-1...CN-XFG, N is the number of times of signing a contract, N is an integer, X is smaller than N, and X is an integer; and generating a random number;
step E: merging the final hash value ACNCN-1...CN-XFG. Parent block hashingThe value, the timestamp and the random number are all stored in a block N, the block N is a block where a public account book corresponding to contract information and transaction information is signed each time, the signing information of the public account book is synchronized at the same time, N is the number of contract signing times, and N is an integer; the parent block hash value is a final hash value generated after the last signing and contract completion;
step 6: the public payment block chain layer detects the execution condition of the contract and judges whether the execution condition of the contract is met: if yes, executing step 7; if not, executing step 5;
and 7: the intelligent contract platform layer monitors the execution condition of the contract and feeds the execution condition of the contract back to the public payment block chain layer, and the public payment block chain layer judges whether the two signing parties meet the execution condition of the contract according to the execution condition of the contract fed back: if yes, executing step 8; if not, executing step 9;
and 8: ending the contract and synchronizing the ending information of the contract to the public account book at the same time;
and step 9: and the public payment blockchain layer generates blockchain refund information, and sends the blockchain refund information to the transaction related node of the contract creation layer and the transaction related node of the contract signing layer to complete refund.
The public payment blockchain layer, the intelligent contract platform layer, the contract creation layer, the contract signing layer and the transaction related node are servers. The invention relates to an electronic intelligent signing payment method based on a block chain technology, which realizes the effective integration of the signing link and the fulfillment link (namely payment) of an electronic contract, thereby improving the intellectualization and the automation degree of the related business of the electronic contract; the invention effectively integrates the signing link and the payment link of the electronic contract, thereby greatly improving the intellectualization and the automation degree of the related business of the electronic contract; the payment process gets rid of the constraint of the traditional third-party payment service, and the payment process is unified and simplified; meanwhile, based on the technical characteristic of block chain self-maintenance, the usability of the service is improved; the key data such as contract signing information, payment information, signature information and the like are stored through the block public account book and are not stored on a fixed certain physical device. Based on the verification characteristics of block chain distribution and decentralization, the safety of service and data is greatly improved.
Claims (3)
1. An electronic intelligent signing payment method based on block chain technology is characterized in that: the method comprises the following steps:
step 1: establishing a public payment block chain layer, an intelligent contract platform layer, a contract establishing layer and a contract signing layer, wherein the public payment block chain layer, the intelligent contract platform layer, the contract establishing layer and the contract signing layer are respectively connected together through the Internet;
step 2: the method comprises the following steps that a contract creating party inputs real identity information into a contract creating layer, after the contract creating layer verifies the real identity information of the contract creating party, a block chain payment account is established for the contract creating party, and the block chain payment account of the contract creating party is bound to an intelligent contract platform layer;
the contract signing party inputs the real identity information into a contract signing layer, after the contract signing layer verifies the real identity information of the contract signing party, a block chain payment account is established for the contract signing party, and the block chain payment account of the contract signing party is bound to an intelligent contract platform layer;
and step 3: the intelligent contract platform layer sends a blockchain payment account of a contract creator and a blockchain payment account of a contract signing party to a public payment blockchain layer, the public payment blockchain layer creates a public account book for the contract creator and the contract signing party, and the content of the public account book comprises signing information, payment conditions, payment information and signature information;
and 4, step 4: the method comprises the following steps that a contract creating party compiles a contract at a contract creating layer, the contract creating layer sends the contract to an intelligent contract platform layer, the intelligent contract platform layer issues the contract and sends the contract to a public payment block chain layer, the public payment block chain layer binds the contract with a public account book, and the contract content comprises a contract execution condition and a contract payment condition;
and 5: the contract signing layer calls a contract issued by the intelligent contract platform layer, a contract signing party checks the contract through the contract signing layer and signs the contract through the contract signing layer, the contract signing layer sends the signed contract to the intelligent contract platform layer, the intelligent contract platform layer verifies the information of the signed contract, the verified information comprises signing information, payment conditions, payment information and signature information, after the verification is correct, the intelligent contract platform layer generates block chain transaction information and sends the block chain transaction information to transaction related nodes of the contract creating layer and transaction related nodes of the contract signing layer, payment is completed according to the payment conditions of the contract, the signing information, the payment conditions, the payment information, the block chain transaction information and the signature information are sent to the public payment block chain layer, and the public payment block chain layer sends the signing information, the payment conditions, the block chain transaction information and the signature information to the public payment block chain layer according to the verified, The method comprises the steps that a public account book is synchronized through payment information, block chain transaction information and signature information, a timestamp and a public key corresponding to a user and the public account book are used for signature when the public account book is synchronized, and each piece of signing information comprises a signed contract text hash value, contract creation party identity information, contract signing party identity information, a block chain payment account of a contract creation party, a block chain payment account of the contract signing party, payment information and signing time;
the steps of synchronizing the public account book are as follows:
step A: judging whether the signing information is initial contract signing information: if yes, generating a corresponding unique hash value A, and executing the step C; if not, executing the step B;
and B: judging whether the signing information is the Nth contract signing information: if yes, then generate corresponding unique hash value CNAnd is compared with the hash value C generated last timeN-1Are combined into a hash value CNCN-1N is the number of times of signing the contract and is an integer;
and C: judging whether the signing information is the last contract signing information: if yes, generating a hash value F, executing the step D, and if not, executing the step B;
step D: the public payment block chain layer generates seal information and hash value G, the hash value F and the hash value G are combined into a hash value FG, and all the generated hash values are combined into a final hash value ACNCN-1...CN-XFG, N is the number of times of signing a contract, N is an integer, X is smaller than N, and X is an integer; and generating a random number;
step E: merging the final hash value ACNCN-1...CN-XFG. Storing the parent block hash value, the timestamp and the random number into a block N, wherein the block N is a block where a public account book corresponding to contract information and transaction information is signed each time and is used for synchronizing signing information of the public account book, N is the number of contract signing times and is an integer; the parent block hash value is a final hash value generated after the last signing and contract completion;
step 6: the public payment block chain layer detects the execution condition of the contract and judges whether the execution condition of the contract is met: if yes, executing step 7; if not, executing step 5;
and 7: the intelligent contract platform layer monitors the execution condition of the contract and feeds the execution condition of the contract back to the public payment block chain layer, and the public payment block chain layer judges whether the two signing parties meet the execution condition of the contract according to the execution condition of the contract fed back: if yes, executing step 8; if not, executing step 9;
and 8: ending the contract and synchronizing the ending information of the contract to the public account book at the same time;
and step 9: and the public payment blockchain layer generates blockchain refund information, and sends the blockchain refund information to the transaction related node of the contract creation layer and the transaction related node of the contract signing layer to complete refund.
2. The electronic intelligent subscription payment method based on blockchain technology as claimed in claim 1, wherein: the public payment blockchain layer, the intelligent contract platform layer, the contract creation layer, and the contract signing layer are all servers.
3. The electronic intelligent subscription payment method based on blockchain technology as claimed in claim 1, wherein: the transaction related node is a server.
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| CN109492983B (en) * | 2018-09-26 | 2023-04-07 | 深圳壹账通智能科技有限公司 | Electronic seal signing method, device, equipment and medium based on block chain intelligent contract |
| CN111242755A (en) * | 2018-11-28 | 2020-06-05 | 安徽海汇金融投资集团有限公司 | Creditor and debt registration and cancellation method and system based on block chain |
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| CN103093352A (en) * | 2013-01-30 | 2013-05-08 | 江苏金农股份有限公司 | Electronic contract signing system implementation method based on payment platform |
| CN105809062B (en) * | 2016-03-01 | 2019-01-25 | 布比（北京）网络技术有限公司 | A kind of building of contract executes method and device |
| CN105893042A (en) * | 2016-03-31 | 2016-08-24 | 北京航空航天大学 | Intelligent contract implementation method based on block chain |
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