CN107330720B - Block chain-based integral processing method and system - Google Patents
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Abstract
本发明提供一种基于区块链的积分处理方法和系统，其中，该方法包括：各银行卡发行机构节点根据自身的银行卡积分规则，对其他银行卡发行机构节点的银行卡积分规则的内容进行规则验证，得到规则验证列表，规则验证列表中包括至少一个银行卡积分规则符合当前银行卡发行机构节点的积分规则的其他银行卡发行机构节点；被推选出的银行卡发行机构节点根据规则验证列表中的各银行卡发行机构节点的银行卡积分规则，生成积分规则区块，将积分规则区块发送给各银行卡发行机构节点。使得各银行卡发行机构节点的积分发行规则可以进行统一，各银行卡发行机构节点可以得到一个所有银行卡发行机构节点都认可的积分发行规则。
The present invention provides a block chain-based point processing method and system, wherein the method includes: each bank card issuer node, according to its own bank card point rule, compares the content of the bank card point rules of other bank card issuer nodes with Perform rule verification to obtain a rule verification list. The rule verification list includes at least one bank card issuer node whose point rules conform to the point rules of the current bank card issuer node; the selected bank card issuer node is verified according to the rules The bank card point rules of each bank card issuer node in the list are generated, the point rule block is generated, and the point rule block is sent to each bank card issuer node. The point issuance rules of each bank card issuer node can be unified, and each bank card issuer node can obtain a point issue rule recognized by all bank card issuer nodes.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to an integration processing method and system based on a block chain.
Background
With the progress of the living standard of people, the bank card has become one of the mainstream consumption modes of people. The bank card includes a deposit card, a credit card and the like. There are now many banks of card issuers, each of which will provide its own bank card.
In the prior art, one user has bank cards issued by a plurality of bank card issuing organizations. Each bank card issuing institution will provide its own credit service. When a user owns a bank card issued by a plurality of bank card issuing institutions, the user has respective points at different bank card issuing institutions.
However, in the prior art, when a user owns bank cards issued by a plurality of bank card issuing organizations, the user has respective points on different bank card issuing organizations, so that the points have the problems of scattering, low consumption, more use limitations, complicated exchange, difficult circulation and the like. The integration cannot be circulated. Therefore, how to provide a way to circulate the points of the user in different bank card issuing organizations becomes a problem to be solved.
Disclosure of Invention
The invention provides a block chain-based point processing method and system, which are used for solving the problem that how to provide a mode in the prior art to enable points of users in different bank card issuing organizations to be circulated.
One aspect of the present invention provides an integration processing method based on a block chain, including:
for each bank card issuing mechanism node in the block chain integral user list, each bank card issuing mechanism node sends the own bank card integral rule to other bank card issuing mechanism nodes in the block chain integral user list; the block chain point user list comprises at least one bank card issuing organization node;
for each bank card issuing organization node in the block chain integral user list, carrying out rule verification on the content of the bank card integral rules of other bank card issuing organization nodes by each bank card issuing organization node according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node;
each bank card issuing organization node in the block chain point user list is used for selecting one bank card issuing organization node;
and the pushed and selected bank card issuing mechanism node generates an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sends the integral rule block to each bank card issuing mechanism node in the block chain integral user list.
Another aspect of the present invention is to provide a block chain-based integration processing system, including:
the system comprises at least one bank card issuing organization node, at least one bank card issuing organization node and a plurality of bank card issuing organization nodes, wherein the bank card issuing organization nodes are mutually connected and form a block chain integral user list;
for each bank card issuer node in the block chain credit user list, each bank card issuer node comprises:
the first sending module is used for sending the self bank card integration rule to other bank card issuing organization nodes in the block chain integration user list; the block chain point user list comprises at least one bank card issuing organization node;
the first verification module is used for performing rule verification on the content of the bank card integral rules of other bank card issuing organization nodes according to the bank card integral rule of the first verification module to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node;
the deduction and selection module is used for deduction and selection of a bank card issuing institution node;
and the deduced bank card issuing mechanism node is used for generating an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list and sending the integral rule block to each bank card issuing mechanism node in the block chain integral user list.
The invention has the technical effects that: for each bank card issuing mechanism node in the block chain integral user list, each bank card issuing mechanism node sends the own bank card integral rule to other bank card issuing mechanism nodes in the block chain integral user list; the block chain point user list comprises at least one bank card issuing organization node; for each bank card issuing organization node in the block chain integral user list, carrying out rule verification on the content of the bank card integral rules of other bank card issuing organization nodes by each bank card issuing organization node according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node; each bank card issuing organization node in the block chain point user list is used for selecting one bank card issuing organization node; and the pushed and selected bank card issuing mechanism node generates an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sends the integral rule block to each bank card issuing mechanism node in the block chain integral user list. Therefore, each bank card issuing organization node can check the issuing rule information of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node, so that the integral issuing rules of all the bank card issuing organization nodes can be unified, and all the bank card issuing organization nodes can obtain an integral issuing rule approved by all the bank card issuing organization nodes; furthermore, when one user owns a bank card issued by a plurality of bank card issuing institutions, the points in different bank card issuing institutions may have the same point issuing rule when the points in different bank card issuing institutions have the same point. And the generated point rule block has the characteristic of being not falsifiable, and the safety of the point issuing rule is ensured.
Drawings
Fig. 1 is a flowchart of an integration processing method based on a block chain according to an embodiment of the present invention;
fig. 2 is a schematic data structure diagram of an integration rule block chain in the block chain-based integration processing method according to an embodiment of the present invention;
fig. 3 is a flowchart of an integration processing method based on a block chain according to a second embodiment of the present invention;
fig. 4 is a flowchart of an integration processing method based on a block chain according to a third embodiment of the present invention;
fig. 5 is a schematic data structure diagram of a point transaction blockchain in the point processing method based on the blockchain according to the third embodiment of the present invention;
fig. 6 is a schematic structural diagram of an integration processing system based on a block chain according to a fourth embodiment of the present invention;
fig. 7 is a schematic structural diagram of an integration processing system based on a block chain according to a fifth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a flowchart of an integration processing method based on a block chain according to an embodiment of the present invention, as shown in fig. 1, the method of the embodiment includes:
In this embodiment, in particular, the present embodiment relates to a plurality of bank card issuing institution nodes, and the bank card issuing institution nodes are respectively connected with each other. Each bank card issuer node adds a blockchain credit user list. And each bank card issuing organization node in the block chain point user list sends the own bank card point rule to other bank card issuing organization nodes in the block chain point user list in a broadcasting mode.
102, for each bank card issuing organization node in the block chain integral user list, each bank card issuing organization node performs rule verification on the content of the bank card integral rules of other bank card issuing organization nodes according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node.
In this embodiment, specifically, each bank card issuer node in the blockchain point user list performs rule verification on the bank card point rule of each bank card issuer node in a preset time period. Specifically, for each bank card issuing mechanism node, each bank card issuing mechanism node verifies the content of the bank card integral rule of other bank card issuing mechanism nodes, firstly, each bank card issuing mechanism node screens the bank card integral rule of other bank card issuing mechanism nodes according to a preset screening rule to determine issuing rule information, for example, the screening rule is a mode of setting a keyword, then, the bank card issuing mechanism node verifies the issuing rule information according to the own bank card integral rule, and when the verification is passed, the content of the bank card integral rule of other bank card issuing mechanism nodes is determined to pass the rule verification; then, each bank card issuing mechanism node adds other bank card issuing mechanism nodes of which the bank card integration rules accord with the integration rules of the current bank card issuing mechanism node into the rule verification list.
And 103, deducing one bank card issuing mechanism node from each bank card issuing mechanism node in the block chain point user list.
In this embodiment, specifically, each bank card issuer node selects one bank card issuer node according to the consensus mechanism. At different times, each bank card issuer node may elect a different bank card issuer node.
And 104, generating an integral rule block by the elected bank card issuing mechanism node according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sending the integral rule block to each bank card issuing mechanism node in the block chain integral user list by the elected bank card issuing mechanism node.
Wherein, the integration rule block comprises header information and main body information; the main body information comprises bank card integral rules of all bank card issuing organization nodes in the block chain integral user list; the header information comprises block identification information, first information, second information and a timestamp; the first information is a header hash value of a last integration rule block in the chain of integration rule blocks; the third information is a merkle value of the current integration rule block, and the third information is determined according to the body information of the current integration rule block; the second information is a header hash value of the current integration rule block, and is determined according to the first information and the third information; the time stamp is used for representing the generation time of the current integration rule block; the chain of integration rule blocks includes at least one integration rule block generated at a different time.
In this embodiment, specifically, the deduced bank card issuer node already has the bank card point rule of each bank card issuer node within the preset time period, and the bank card point rule at this time is verified through the rules in the above steps. And the pushed out bank card issuing mechanism nodes generate an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in a preset time period.
Fig. 2 is a schematic data structure diagram of an integration rule block chain in an integration processing method based on a block chain according to an embodiment of the present invention, and as shown in fig. 2, an integration rule block chain 21 includes at least one integration rule block 22 generated at different time. The credit rule block 22 includes header information 221 and body information 222, the body information 222 includes the bank card credit rules of each bank card issuer node, wherein, the bank card integration rule includes service identification, service type, integration number, and two-party signature information, the header information 221 includes block identification information, first information, second information and time stamp, wherein the first information is a header hash value of the last integration rule block in the integration rule block chain 21, the third information is a merkle value of the current integration rule block, and the third information is determined based on the body information 222 of the current integration rule block 22, the second information is the header hash value of the current integration rule block 22, and the second information is determined from the first information and the third information, and the time stamp is used to indicate the current generation time of the integration rule block 22.
And the pushed out bank card issuing mechanism nodes send the currently generated point rule blocks to each bank card issuing mechanism node in the block chain point user list in a broadcasting mode.
In this embodiment, for each bank card issuing mechanism node in the block chain point user list, each bank card issuing mechanism node sends its own bank card point rule to other bank card issuing mechanism nodes in the block chain point user list; the block chain point user list comprises at least one bank card issuing organization node; for each bank card issuing organization node in the block chain integral user list, carrying out rule verification on the content of the bank card integral rules of other bank card issuing organization nodes by each bank card issuing organization node according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node; each bank card issuing organization node in the block chain point user list is used for selecting one bank card issuing organization node; and the pushed and selected bank card issuing mechanism node generates an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sends the integral rule block to each bank card issuing mechanism node in the block chain integral user list. Therefore, each bank card issuing organization node can check the issuing rule information of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node, so that the integral issuing rules of all the bank card issuing organization nodes can be unified, and all the bank card issuing organization nodes can obtain an integral issuing rule approved by all the bank card issuing organization nodes; furthermore, when one user owns a bank card issued by a plurality of bank card issuing institutions, the points in different bank card issuing institutions may have the same point issuing rule when the points in different bank card issuing institutions have the same point. And the generated point rule block has the characteristic of being not falsifiable, and the safety of the point issuing rule is ensured.
Fig. 3 is a flowchart of an integration processing method based on a block chain according to a second embodiment of the present invention, and as shown in fig. 3, the method of the present embodiment includes:
In this embodiment, in particular, the present embodiment relates to a plurality of bank card issuer nodes and a blockchain bonus system, wherein the bank card issuer nodes are connected to each other, and the bank card issuer nodes are connected to the blockchain bonus system. For each bank card issuing mechanism node in the block chain credit user list, the bank card issuing mechanism node sends an application joining request to the block chain credit system, wherein the application joining request comprises a bank card issuing mechanism node identifier and digital signature information.
In this embodiment, specifically, the blockchain scoring system compares the digital signature information in the application adding request and the pre-stored information of the node of the bank card issuer to determine whether the identity of the node of the bank card issuer corresponding to the node identifier of the bank card issuer is correct.
When the identity of the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identifier is determined to be correct by the block chain scoring system, the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identifier is determined to be added into a block chain scoring user list by the block chain scoring system, wherein the block chain scoring user list comprises at least one bank card issuing mechanism node.
In this embodiment, specifically, each bank card issuer node in the blockchain credit user list verifies the validity of other bank card issuer nodes in the blockchain credit user list according to the asymmetric encryption mechanism. Specifically, each bank card issuing organization node receives the public key sent by other bank card issuing organization nodes, and verifies the private key sent by other bank card issuing organization nodes according to the public key so as to verify the validity of other bank card issuing organization nodes and perform identity verification.
In this embodiment, specifically, each bank card issuer node in the blockchain credit user list sends its own bank card credit rule to other bank card issuer nodes in the blockchain credit user list in a broadcast manner. The blockchain credit user list comprises at least one bank card issuing institution node.
In this embodiment, specifically, each bank card issuing authority node in the block chain point user list performs rule verification on the bank card point rule of each bank card issuing authority node in a preset time period; specifically, for each bank card issuing mechanism node, each bank card issuing mechanism node verifies the bank card integral rule of other bank card issuing mechanism nodes through an asymmetric encryption mechanism, and when the verification passes, the source of the bank card integral rule is determined to pass the verification; and then, each bank card issuing mechanism node verifies the content of the bank card integral rule of other bank card issuing mechanism nodes, firstly, each bank card issuing mechanism node screens the bank card integral rules of other bank card issuing mechanism nodes according to a preset screening rule to determine issuing rule information, for example, the screening rule is a mode of setting a keyword, and then, the bank card issuing mechanism node verifies the issuing rule information according to the own bank card integral rule, and when the verification is passed, the content of the bank card integral rule of other bank card issuing mechanism nodes is verified.
When each bank card issuing organization node determines that the source of the bank card integral rule of other bank card issuing organization nodes passes the verification and determines that the content of the bank card integral rule of other bank card issuing organization nodes passes the verification, each bank card issuing organization node determines that the bank card integral rule of other bank card issuing organization nodes passes the rule verification. Then, each bank card issuing mechanism node generates a rule verification list according to other bank card issuing mechanism nodes of which the determined bank card integral rule accords with the integral rule of the current bank card issuing mechanism node.
And step 206, selecting one bank card issuing institution node from each bank card issuing institution node in the block chain point user list.
In this embodiment, specifically, each bank card issuer node selects one bank card issuer node according to the consensus mechanism. The deduced bank card issuing institution node has the bank card integral rule of each bank card issuing institution node in the preset time period, and the bank card integral rule is verified through the rule.
And step 207, generating an integral rule block by the elected bank card issuing mechanism node according to the bank card integral rules of all the bank card issuing mechanism nodes in the rule verification list, and sending the integral rule block to all the bank card issuing mechanism nodes in the block chain integral user list by the elected bank card issuing mechanism node.
In this embodiment, in particular, this step is referred to as step 104 in fig. 1.
And step 208, for each bank card issuing mechanism node in the block chain point user list, each bank card issuing mechanism node determines whether the bank card point rule of each bank card issuing mechanism node in the rule verification list stored by the bank card issuing mechanism node is consistent with the bank card point rule of each bank card issuing mechanism node in the point rule block, so as to determine whether the point rule block passes the correctness verification and generate a correctness verification result.
In this embodiment, each bank card issuer node in the blockchain credit user list verifies the credit rule block. Specifically, for each bank card issuing mechanism node, each bank card issuing mechanism node determines whether the bank card integral rule of the other bank card issuing mechanism nodes passing the rule stored by the bank card issuing mechanism node is consistent with the bank card integral rule of the other bank card issuing mechanism nodes in the received integral rule block, and when the bank card integral rule is consistent with the bank card integral rule of the other bank card issuing mechanism nodes in the received integral rule block, each bank card issuing mechanism node determines that the integral rule block passes the correctness verification.
In this embodiment, specifically, each of the bank card issuer nodes sends the correctness verification result to the elected bank card issuer node; when the pushed out bank card issuing mechanism nodes determine that the credit rule blocks pass through the correctness when the pushed out bank card issuing mechanism nodes more than the preset number of bank card issuing mechanism nodes determine that the currently generated credit rule blocks pass through the correctness, namely the credit rule blocks pass through the correctness verification; and then, the pushed out bank card issuing mechanism node puts the currently generated integral rule block at the end of the integral rule block chain.
In this embodiment, the bank card point rule of each bank card issuer node in the blockchain point user list is sent to other bank card issuer nodes in the blockchain point user list in a broadcast manner. Each bank card issuing mechanism node in the block chain point user list carries out rule verification on the bank card point rule of each bank card issuing mechanism node in a preset time period. Each bank card issuing organization node deduces a bank card issuing organization node according to the consensus mechanism; and generating an integral rule block by the selected bank card issuing mechanism node according to the bank card integral rule of each bank card issuing mechanism node in a preset time period, wherein the bank card integral rule at the moment is verified through the rule. Therefore, each bank card issuing organization node can check the issuing rule information of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node, so that the integral issuing rules of all the bank card issuing organization nodes can be unified, and all the bank card issuing organization nodes can obtain an integral issuing rule approved by all the bank card issuing organization nodes; furthermore, when one user owns a bank card issued by a plurality of bank card issuing institutions, the points in different bank card issuing institutions may have the same point issuing rule when the points in different bank card issuing institutions have the same point. And the generated point rule block has the characteristic of being not falsifiable, and the safety of the point issuing rule is ensured.
Fig. 4 is a flowchart of an integration processing method based on a block chain according to a third embodiment of the present invention, and as shown in fig. 4, the method according to the present embodiment includes:
In this embodiment, specifically, the block chain integration system may obtain the integration rule block chain provided in fig. 2.
In this embodiment, in particular, this embodiment also relates to a user terminal node, and the user terminal node is connected to the block chain integral system. And the user terminal node sends a point transaction request to the blockchain point system, wherein the point transaction request comprises user identification and transaction information.
In this embodiment, specifically, the blockchain credit system performs the authentication of the user according to the user identifier in the credit transaction request, and performs the transaction validity authentication according to the transaction information in the credit transaction request.
In this embodiment, specifically, when the blockchain score system determines that the identity authentication passes and the transaction validity authentication passes, the block chain score system determines the disposable score number corresponding to the user identifier; the blockchain credit system compares the disposable credit number corresponding to the user identification with the current transaction credit number represented by the transaction information to analyze so as to determine whether to approve the current credit transaction.
And 305, when the block chain point system determines that the current point transaction is approved, finishing the point transaction corresponding to the point transaction request according to the point rule block chain.
In this embodiment, specifically, when the blockchain credit system determines that the current credit transaction is approved, the credit transaction requested by the credit transaction request is completed according to the content represented by the credit rule in the blockchain of credit rules.
In this embodiment, specifically, the blockchain credit system generates credit transaction blocks according to each credit transaction within a preset time period.
Fig. 5 is a schematic data structure diagram of a point transaction block chain in the point processing method based on a block chain according to the third embodiment of the present invention, and as shown in fig. 5, the point transaction block chain 51 includes at least one point transaction block 52 generated at different time. The credit transaction block 52 includes header information 521 and body information 522, the body information 522 includes credit transaction information of each user terminal node, wherein, the credit transaction information includes user identification, transaction type, credit transaction amount, credit payment mode, transaction time, and two-party signature information, the header information 521 includes block identification information, first information, second information and timestamp, wherein the first information is a header hash value of a last credit transaction block in the credit transaction block chain, the third information is a merkle value of a current credit transaction block, and the third information is determined based on the body information of the current credit transaction block 52, the second information is the header hash value of the current credit transaction block 52, and the second information is determined from the first information and the third information, and the time stamp is used to indicate the current generation time of the point transaction block 52.
And the block chain scoring system sends the currently generated scoring transaction blocks to each bank card issuing institution node for verification and verification.
And 307, for each bank card issuing mechanism node, the bank card issuing mechanism node determines the stored self point transaction record information, and when the self point transaction record information is consistent with the received point transaction information of the current bank card issuing mechanism node in the point transaction block, the bank card issuing mechanism node generates an audit verification result that the point transaction block passes the audit verification, and sends the audit verification result to the block chain point system.
In this embodiment, specifically, for each bank card issuer node, the bank card issuer node compares the stored point transaction record information of the bank card issuer node with the received point transaction information of the current bank card issuer node in the point transaction block, and when the point transaction record information and the received point transaction information are consistent, each bank card issuer node generates an audit verification result that the point transaction block passes the audit verification, and the bank card issuer node sends the audit verification result to the block chain point system.
And 308, when the block chain scoring system determines that the auditing and verifying results of the preset number of the bank card issuer nodes all represent that the point transaction block passes the auditing and verifying, the block chain scoring system puts the currently generated point transaction block at the tail of the point transaction block chain, wherein the point transaction block chain comprises at least one point transaction block generated at different time.
In this embodiment, specifically, when the block chain credit system determines that the checking and verification results of the preset number of bank card issuer nodes all represent that the credit transaction block passes the checking and verification, the block chain credit system puts the credit transaction block at the end of the credit transaction block chain.
In the embodiment, when the identity authentication and the transaction validity authentication are determined to pass through the blockchain scoring system, the disposable scoring number corresponding to the user identifier is determined; the block chain credit system compares and analyzes the disposable credit quantity corresponding to the user identification with the current transaction credit quantity represented by the transaction information to determine whether to approve the current credit transaction; and when the block chain point system determines that the current point transaction is approved, the block chain is partitioned according to the point rule, and the point transaction corresponding to the point transaction request is completed. The block chain score system generates score transaction blocks according to each score transaction in a preset time period; the block chain scoring system sends the currently generated scoring transaction blocks to each bank card issuing organization node; for each bank card issuing mechanism node, the bank card issuing mechanism node determines the stored self point transaction record information, and when the self point transaction record information is consistent with the received point transaction information of the current bank card issuing mechanism node in the point transaction block, the bank card issuing mechanism node generates an audit verification result that the point transaction block passes the audit verification, and sends the audit verification result to a block chain point system; and when the block chain scoring system determines that the auditing and verifying results of the preset number of the bank card issuer nodes all represent that the point transaction block passes the auditing and verifying, the block chain scoring system puts the currently generated point transaction block at the tail of the point transaction block chain. Therefore, the block chain scoring system can acquire the scoring rule block chain, generates a scoring transaction block according to each scoring transaction in a preset time period, and sends the currently generated scoring transaction block to each bank card issuing institution node for auditing and verification. And further, the circulation of points can be guaranteed when the user conducts point transaction, so that the points of the user in different bank card issuing organizations can be circulated, the user can check the point transaction, and the correctness of the point transaction is guaranteed.
Fig. 6 is a schematic structural diagram of an integration processing system based on a block chain according to a fourth embodiment of the present invention, as shown in fig. 6, the system of the present embodiment includes:
at least one bank card issuing organization node 61, the bank card issuing organization nodes 61 are connected with each other, and the bank card issuing organization nodes 61 form a block chain integral user list;
for each bank card issuer node 61 in the block chain credit user list, each bank card issuer node 61 includes:
a first sending module 611, configured to send a bank card integration rule of itself to other bank card issuing organization nodes 61 in the block chain integration user list; wherein, the block chain point user list comprises at least one bank card issuing organization node 61;
the first verification module 612 is configured to perform rule verification on the content of the bank card integration rules of other bank card issuer nodes 61 according to the own bank card integration rule to obtain a rule verification list, where the rule verification list includes at least one other bank card issuer node 61 whose bank card integration rule meets the integration rule of the current bank card issuer node 61;
a deduction module 613, configured to deduct a bank card issuer node 61;
the pushed out bank card issuing authority node 61 is configured to generate an integral rule block according to the bank card integral rule of each bank card issuing authority node 61 in the rule verification list, and send the integral rule block to each bank card issuing authority node 61 in the block chain integral user list.
Wherein, the integration rule block comprises header information and main body information; the main body information comprises bank card integral rules of each bank card issuing organization node 61 in the block chain integral user list; the header information comprises block identification information, first information, second information and a timestamp; the first information is a header hash value of a last integration rule block in the chain of integration rule blocks; the third information is a merkle value of the current integration rule block, and the third information is determined according to the body information of the current integration rule block; the second information is a header hash value of the current integration rule block, and is determined according to the first information and the third information; the time stamp is used for representing the generation time of the current integration rule block; the chain of integration rule blocks includes at least one integration rule block generated at a different time.
The block chain based integration processing system of this embodiment may execute the block chain based integration processing method provided in the first embodiment of the present invention, and the implementation principles thereof are similar, and are not described herein again.
In this embodiment, for each bank card issuing mechanism node in the block chain point user list, each bank card issuing mechanism node sends its own bank card point rule to other bank card issuing mechanism nodes in the block chain point user list; the block chain point user list comprises at least one bank card issuing organization node; for each bank card issuing organization node in the block chain integral user list, carrying out rule verification on the content of the bank card integral rules of other bank card issuing organization nodes by each bank card issuing organization node according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node; each bank card issuing organization node in the block chain point user list is used for selecting one bank card issuing organization node; and the pushed and selected bank card issuing mechanism node generates an integral rule block according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sends the integral rule block to each bank card issuing mechanism node in the block chain integral user list. Therefore, each bank card issuing organization node can check the issuing rule information of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node, so that the integral issuing rules of all the bank card issuing organization nodes can be unified, and all the bank card issuing organization nodes can obtain an integral issuing rule approved by all the bank card issuing organization nodes; furthermore, when one user owns a bank card issued by a plurality of bank card issuing institutions, the points in different bank card issuing institutions may have the same point issuing rule when the points in different bank card issuing institutions have the same point. And the generated point rule block has the characteristic of being not falsifiable, and the safety of the point issuing rule is ensured.
Fig. 7 is a schematic structural diagram of an integration processing system based on a block chain according to a fifth embodiment of the present invention, and based on the fourth embodiment, as shown in fig. 7, the system of the present embodiment further includes a block chain integration system 71;
for each bank card issuer node 61 in the block chain credit user list, each bank card issuer node 61 further includes:
a second sending module 614, configured to send an application join request to the blockchain credit system 71 before the first sending module 611 sends the self bankcard credit rule to other bankcard issuer nodes 61 in the blockchain credit user list, where the application join request includes an identifier of the bankcard issuer node 61 and digital signature information;
the block chain scoring system 71 is used for determining whether the identity of the bank card issuer node 61 corresponding to the bank card issuer node 61 identifier is correct or not according to the digital signature information in the application joining request and the pre-stored information of the bank card issuer node 61; and when the correctness is determined, adding the bank card issuing mechanism node 61 corresponding to the identification of the bank card issuing mechanism node 61 into the block chain point user list.
For each bank card issuer node 61 in the block chain credit user list, each bank card issuer node 61 further includes:
the second verification module 615 is configured to verify the validity of the other bank card issuer nodes 61 in the block chain credit user list according to the asymmetric encryption mechanism before the first sending module 611 sends the own bank card credit rule to the other bank card issuer nodes 61 in the block chain credit user list.
The first verification module 612 is specifically configured to:
determining whether the source of each bank card integral rule is correct or not for the bank card integral rules of other bank card issuing institution nodes 61;
when the accuracy is determined, screening the bank card integration rules of other bank card issuing organization nodes 61 according to a preset screening rule to determine the issuing rule information of other bank card issuing organization nodes 61;
and according to the self bank card integral rule, performing rule verification on the issuing rule information of the bank card integral rules of other bank card issuing mechanism nodes 61, and determining other bank card issuing mechanism nodes 61 of which the bank card integral rules accord with the integral rules of the current bank card issuing mechanism nodes 61 to obtain a rule verification list.
For each bank card issuer node 61 in the block chain credit user list, each bank card issuer node 61 further includes:
a determining module 616, configured to receive the credit rule block sent by the elected bank card issuing authority node 61, determine whether the bank card credit rule of each bank card issuing authority node 61 in the rule verification list stored in the determining module is consistent with the bank card credit rule of each bank card issuing authority node 61 in the credit rule block, so as to determine whether the credit rule block passes correctness verification, and generate a correctness verification result; sending the correctness verification result to the elected bank card issuer node 61;
the deduced bank card issuer nodes 61 are further configured to, when it is determined that the correctness verification results of more than a preset number of bank card issuer nodes 61 all represent that the score rule block passes the correctness verification, put the currently generated score rule block at the end of the score rule block chain.
The system provided by the embodiment further comprises: the user terminal node 72, the user terminal node 72 is connected with the block chain integral system 71;
the block chain integration system 71 includes:
an obtaining module 711, configured to obtain an integration rule block chain;
a receiving module 712, configured to receive a credit transaction request sent by the user terminal node 72, where the credit transaction request includes a user identifier and transaction information;
a third verification module 713, configured to perform user identity verification according to the user identifier and perform transaction validity verification according to the transaction information;
a transaction module 714 for determining a disposable credit amount corresponding to the user identification when the identity verification is determined to pass and the transaction validity verification passes; comparing and analyzing the disposable point number corresponding to the user identification and the current transaction point number represented by the transaction information to determine whether to approve the current point transaction; and when the current point transaction is determined to be approved, finishing the point transaction corresponding to the point transaction request according to the point rule block chain.
The generation module 715, configured to generate a point transaction block according to each point transaction within a preset time period after the transaction module completes the point transaction corresponding to the point transaction request;
a third sending module 716, configured to send the currently generated credit transaction block to each bank card issuer node 61, so that each bank card issuer node 61 determines that the stored credit transaction record information of its own is consistent with the received credit transaction information of the current bank card issuer node 61 in the credit transaction block, generates an audit verification result that the credit transaction block passes the audit verification, and sends the audit verification result to the block chain credit system 71;
the link module 717 is configured to, when it is determined that the audit verification results of the preset number of bank card issuer nodes 61 all indicate that the credit transaction block passes the audit verification, place the currently generated credit transaction block at the end of a credit transaction block chain, where the credit transaction block chain includes at least one credit transaction block generated at different time.
The block chain based integration processing system of this embodiment can execute the block chain based integration processing methods provided in the second and third embodiments of the present invention, and the implementation principles thereof are similar, and are not described herein again.
According to the method, the self bank card point rule is sent to other bank card issuing organization nodes in the block chain point user list through each bank card issuing organization node in the block chain point user list in a broadcasting mode. Each bank card issuing mechanism node in the block chain point user list carries out rule verification on the bank card point rule of each bank card issuing mechanism node in a preset time period. Each bank card issuing organization node deduces a bank card issuing organization node according to the consensus mechanism; and generating an integral rule block by the selected bank card issuing mechanism node according to the bank card integral rule of each bank card issuing mechanism node in a preset time period, wherein the bank card integral rule at the moment is verified through the rule. Therefore, each bank card issuing organization node can check the issuing rule information of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node, so that the integral issuing rules of all the bank card issuing organization nodes can be unified, and all the bank card issuing organization nodes can obtain an integral issuing rule approved by all the bank card issuing organization nodes; furthermore, when one user owns a bank card issued by a plurality of bank card issuing institutions, the points in different bank card issuing institutions may have the same point issuing rule when the points in different bank card issuing institutions have the same point. And the generated point rule block has the characteristic of being not falsifiable, and the safety of the point issuing rule is ensured. Meanwhile, the block chain scoring system can acquire a scoring rule block chain, generates a scoring transaction block according to each scoring transaction in a preset time period, and sends the currently generated scoring transaction block to each bank card issuing organization node for auditing and verification. And further, the circulation of points can be guaranteed when the user conducts point transaction, so that the points of the user in different bank card issuing organizations can be circulated, the user can check the point transaction, and the correctness of the point transaction is guaranteed.
Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (14)
1. An integration processing method based on a block chain is characterized by comprising the following steps:
for each bank card issuing mechanism node in the block chain integral user list, each bank card issuing mechanism node sends the own bank card integral rule to other bank card issuing mechanism nodes in the block chain integral user list; the block chain point user list comprises at least one bank card issuing organization node;
for each bank card issuing organization node in the block chain integral user list, carrying out rule verification on the content of the bank card integral rules of other bank card issuing organization nodes by each bank card issuing organization node according to the own bank card integral rule to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node;
each bank card issuing organization node in the block chain point user list is used for selecting one bank card issuing organization node;
generating an integral rule block by the pushed and selected bank card issuing mechanism node according to the bank card integral rule of each bank card issuing mechanism node in the rule verification list, and sending the integral rule block to each bank card issuing mechanism node in the block chain integral user list by the pushed and selected bank card issuing mechanism node;
each bank card issuing organization node carries out rule verification on the content of the bank card integral rule of other bank card issuing organization nodes according to the bank card integral rule of the bank card issuing organization node to obtain a rule verification list, and the rule verification list comprises the following steps:
each bank card issuing organization node determines whether the source of each bank card integral rule is correct according to the bank card integral rules of other bank card issuing organization nodes;
when the accuracy is determined, each bank card issuing mechanism node screens the bank card integral rules of other bank card issuing mechanism nodes according to a preset screening rule so as to determine the issuing rule information of other bank card issuing mechanism nodes;
and each bank card issuing mechanism node carries out rule verification on the issuing rule information of the bank card integral rules of other bank card issuing mechanism nodes according to the bank card integral rule of the bank card issuing mechanism node, and determines other bank card issuing mechanism nodes of which the bank card integral rules accord with the integral rules of the current bank card issuing mechanism node so as to obtain a rule verification list.
2. The method according to claim 1, wherein before each bank card issuer node in the user list for blockchain credit, each bank card issuer node sends its own bank card credit rule to other bank card issuer nodes in the user list for blockchain credit, further comprising:
for each bank card issuing organization node in a block chain credit user list, each bank card issuing organization node sends an application joining request to a block chain credit system, wherein the application joining request comprises a bank card issuing organization node identifier and digital signature information;
the block chain integral system determines whether the identity of the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identification is correct or not according to the digital signature information in the application adding request and the prestored bank card issuing mechanism node information;
and when the block chain credit system determines that the credit is correct, adding the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identifier into a block chain credit user list.
3. The method according to claim 1, wherein before each bank card issuer node in the user list for blockchain credit, each bank card issuer node sends its own bank card credit rule to other bank card issuer nodes in the user list for blockchain credit, further comprising:
for each bank card issuing mechanism node in the block chain point user list, each bank card issuing mechanism node verifies the validity of other bank card issuing mechanism nodes in the block chain point user list according to an asymmetric encryption mechanism.
4. The method according to any one of claims 1-3, wherein the score rule block includes header information and body information;
the main body information comprises bank card integral rules of all bank card issuing organization nodes in the block chain integral user list; the header information comprises block identification information, first information, second information, third information and a timestamp; the first information is a header hash value of a last integral rule block in an integral rule block chain; the third information is a merkle value of the current integration rule block, and the third information is determined according to the body information of the current integration rule block; the second information is a header hash value of the current integration rule block, and is determined according to the first information and the third information; the time stamp is used for representing the generation time of the current integration rule block; the chain of integration rule blocks comprises at least one integration rule block generated at different times.
5. The method of claim 4, after the elected bank card issuer node sends the credit rule block to each bank card issuer node in the blockchain credit user list, further comprising:
for each bank card issuing mechanism node in the block chain integral user list, each bank card issuing mechanism node determines the bank card integral rule of each bank card issuing mechanism node in the rule verification list stored by the bank card issuing mechanism node, and determines whether the bank card integral rule of each bank card issuing mechanism node in the integral rule block is consistent with the bank card integral rule of each bank card issuing mechanism node in the integral rule block so as to determine whether the integral rule block passes the correctness verification and generate the correctness verification result;
for each bank card issuing mechanism node in the block chain integral user list, each bank card issuing mechanism node sends a correctness verification result to the selected bank card issuing mechanism node;
and the selected bank card issuing mechanism node indicates that the point rule block passes the correctness verification when the correctness verification result of the bank card issuing mechanism nodes more than the preset number is determined, and places the currently generated point rule block at the tail end of the point rule block chain.
6. The method of claim 5, further comprising:
a block chain integral system acquires the integral rule block chain;
the block chain point system receives a point transaction request sent by a user terminal node, wherein the point transaction request comprises a user identifier and transaction information;
the block chain integral system carries out user identity verification according to the user identification and carries out transaction validity verification according to the transaction information;
when the block chain scoring system determines that the identity authentication passes and the transaction validity authentication passes, determining the disposable scoring number corresponding to the user identification;
the block chain credit system compares and analyzes the disposable credit quantity corresponding to the user identification with the current transaction credit quantity represented by the transaction information to determine whether to approve the current credit transaction;
and when the block chain point system determines that the current point transaction is approved, the block chain point system completes the point transaction corresponding to the point transaction request according to the point rule block chain.
7. The method of claim 6, wherein after completing the point transaction corresponding to the point transaction request according to the point rule blockchain when the blockchain scoring system determines to approve the current point transaction, further comprising:
the block chain scoring system generates a scoring transaction block according to each scoring transaction in a preset time period;
the block chain scoring system sends the currently generated scoring transaction blocks to each bank card issuing organization node;
for each bank card issuing mechanism node, the bank card issuing mechanism node determines the stored self point transaction record information, and when the self point transaction record information is consistent with the received point transaction information of the current bank card issuing mechanism node in the point transaction block, the bank card issuing mechanism node generates an audit verification result that the point transaction block passes the audit verification, and sends the audit verification result to the block chain point system;
when the block chain scoring system determines that the auditing and verifying results of the preset number of the bank card issuer nodes all represent that the point transaction block passes the auditing and verifying, the block chain scoring system puts the currently generated point transaction block at the tail of the point transaction block chain, wherein the point transaction block chain comprises at least one point transaction block generated at different time.
8. A block chain based integration processing system, comprising:
the system comprises at least one bank card issuing organization node, at least one bank card issuing organization node and a plurality of bank card issuing organization nodes, wherein the bank card issuing organization nodes are mutually connected and form a block chain integral user list;
for each bank card issuer node in the block chain credit user list, each bank card issuer node comprises:
the first sending module is used for sending the self bank card integration rule to other bank card issuing organization nodes in the block chain integration user list; the block chain point user list comprises at least one bank card issuing organization node;
the first verification module is used for performing rule verification on the content of the bank card integral rules of other bank card issuing organization nodes according to the bank card integral rule of the first verification module to obtain a rule verification list, wherein the rule verification list comprises at least one other bank card issuing organization node of which the bank card integral rule accords with the integral rule of the current bank card issuing organization node;
the deduction and selection module is used for deduction and selection of a bank card issuing institution node;
the pushed out bank card issuing organization nodes are used for generating an integral rule block according to the bank card integral rule of each bank card issuing organization node in the rule verification list and sending the integral rule block to each bank card issuing organization node in the block chain integral user list;
the first verification module is specifically configured to:
determining whether the source of each bank card integral rule of the other bank card issuing institution nodes is correct or not;
when the accuracy is determined, screening the bank card integral rules of other bank card issuing mechanism nodes according to a preset screening rule so as to determine the issuing rule information of other bank card issuing mechanism nodes;
and according to the self bank card integral rule, carrying out rule verification on the issuing rule information of the bank card integral rules of other bank card issuing mechanism nodes to determine other bank card issuing mechanism nodes of which the bank card integral rules accord with the integral rules of the current bank card issuing mechanism node so as to obtain a rule verification list.
9. The system of claim 8, further comprising a block chain integration system;
for each bank card issuer node in the block chain credit user list, each bank card issuer node further comprises:
the second sending module is used for sending an application adding request to the block chain credit system before the first sending module sends the self bank card credit rule to other bank card issuing mechanism nodes in the block chain credit user list, wherein the application adding request comprises a bank card issuing mechanism node identifier and digital signature information;
the block chain scoring system is used for determining whether the identity of the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identification is correct or not according to the digital signature information in the application joining request and the prestored bank card issuing mechanism node information; and when the correctness is determined, adding the bank card issuing mechanism node corresponding to the bank card issuing mechanism node identifier into the block chain point user list.
10. The system of claim 9, wherein for each bank card issuer node in the blockchain credit user list, further comprising in each bank card issuer node:
and the second verification module is used for verifying the legality of other bank card issuing mechanism nodes in the block chain point user list according to an asymmetric encryption mechanism before the first sending module sends the self bank card point rule to other bank card issuing mechanism nodes in the block chain point user list.
11. The system according to any one of claims 8-10, wherein the score rule block includes header information and body information;
the main body information comprises bank card integral rules of all bank card issuing organization nodes in the block chain integral user list; the header information comprises block identification information, first information, second information, third information and a timestamp; the first information is a header hash value of a last integral rule block in an integral rule block chain; the third information is a merkle value of the current integration rule block, and the third information is determined according to the body information of the current integration rule block; the second information is a header hash value of the current integration rule block, and is determined according to the first information and the third information; the time stamp is used for representing the generation time of the current integration rule block; the chain of integration rule blocks comprises at least one integration rule block generated at different times.
12. The system of claim 11, wherein for each bank card issuer node in the blockchain credit user list, further comprising in each bank card issuer node:
the determining module is used for receiving the credit rule block sent by the elected bank card issuing mechanism node, determining whether the bank card credit rule of each bank card issuing mechanism node in a rule verification list stored by the determining module is consistent with the bank card credit rule of each bank card issuing mechanism node in the credit rule block or not, so as to determine whether the credit rule block passes the correctness verification or not and generate a correctness verification result; sending the correctness verification result to the elected bank card issuing institution node;
and the selected bank card issuing mechanism nodes are also used for placing the currently generated integral rule block at the tail end of the integral rule block chain when the correctness verification results of more than a preset number of bank card issuing mechanism nodes all represent that the integral rule block passes the correctness verification.
13. The system of claim 12, further comprising: the user terminal node is connected with the block chain integral system;
the block chain integral system comprises:
an obtaining module, configured to obtain the integral rule block chain;
the system comprises a receiving module, a sending module and a receiving module, wherein the receiving module is used for receiving a point transaction request sent by a user terminal node, and the point transaction request comprises a user identifier and transaction information;
the third verification module is used for verifying the identity of the user according to the user identification and verifying the transaction validity according to the transaction information;
the transaction module is used for determining the disposable point number corresponding to the user identification when the identity authentication is passed and the transaction validity authentication is passed; comparing and analyzing the disposable point number corresponding to the user identification and the current transaction point number represented by the transaction information to determine whether to approve the current point transaction; and when the current point transaction is determined to be approved, finishing the point transaction corresponding to the point transaction request according to the point rule block chain.
14. The system of claim 13, wherein the block chain integration system further comprises:
the generation module is used for generating a point transaction block according to each point transaction in a preset time period after the transaction module finishes the point transaction corresponding to the point transaction request;
the third sending module is used for sending the currently generated point transaction block to each bank card issuing mechanism node so that each bank card issuing mechanism node can determine the stored point transaction record information of the point transaction record information and generate an audit verification result that the point transaction block passes the audit verification when the received point transaction information of the current bank card issuing mechanism node in the point transaction block is consistent with the received point transaction information of the current bank card issuing mechanism node, and the audit verification result is sent to the block chain point system;
and the link module is used for placing the currently generated credit transaction block at the tail of a credit transaction block chain when the verification result of the preset number of the bank card issuer nodes indicates that the credit transaction block passes verification, wherein the credit transaction block chain comprises at least one credit transaction block generated at different time.
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| CN101414371A (en) * | 2007-10-15 | 2009-04-22 | 中国工商银行股份有限公司 | System and method for processing bank card integration |
| CN106357387A (en) * | 2016-09-26 | 2017-01-25 | 江苏荣泽信息科技股份有限公司 | Anonymous member transaction method based on block chain |
| CN106779805A (en) * | 2016-11-24 | 2017-05-31 | 中国银行股份有限公司 | Integration circulation method and device between a kind of different businessmans based on block chain |
| CN106780033A (en) * | 2016-12-16 | 2017-05-31 | 杭州云象网络技术有限公司 | A kind of digital ticket transaction system construction method based on alliance's chain |
| CN106789047A (en) * | 2017-03-03 | 2017-05-31 | 钱德君 | A kind of block chain identification system |
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