CN107358417B - Payment method capable of being monitored based on block chain technology - Google Patents
Payment method capable of being monitored based on block chain technology Download PDFInfo
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- CN107358417B CN107358417B CN201710484980.0A CN201710484980A CN107358417B CN 107358417 B CN107358417 B CN 107358417B CN 201710484980 A CN201710484980 A CN 201710484980A CN 107358417 B CN107358417 B CN 107358417B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention provides a supervised payment method based on a block chain technology, which comprises the following steps: generating a transaction request by a transaction request system, and sending the transaction request to any node on the block chain; after receiving the transaction request, the node broadcasts the transaction request to other nodes, and the transaction request is recorded on a blockchain; after the foreknowledge system monitors the transaction request on the block chain, the transaction request is sent to a transaction system of a commercial bank, a unionpay or a three-party company; after the transaction system processes the transaction request, a transaction result is returned to the precedent system; the system is known firstly, and the transaction result is written back to a transaction return node of the block chain; after the block chain nodes receive the transaction results, the transaction results are broadcasted to all the nodes and are blocked; after the transaction result is recorded on the blockchain, the transaction request system obtains a transaction result notice and processes the transaction result; and finally, clearing. The invention is beneficial to implementing accurate, timely and more-dimensional supervision, and can solve the problem that online commercial service platforms and offline payment service providers are suspected of secondary clearing.
Description
Technical Field
The invention relates to the technical field of payment transaction, in particular to a supervised payment method based on a block chain technology.
Background
Currently, with the large-scale growth of internet and mobile phone users, internet payments and mobile phone payments are rapidly developing. Meanwhile, the supervision department finds that a large merchant mode and a second clear mode are used by a plurality of platforms in the actual business process. The 'big merchant' mode refers to the condition that a plurality of merchants commonly use one merchant code, and the authenticity principle of the merchants is violated; the 'second clear' mode refers to that a payment company or a bank transfers settlement money to a certain company or a certain person, and the settlement is carried out on the settlement money to a merchant by the certain company or the certain person, so that the principle of directness of settlement is violated. The situation that funds are retained in the platform account can happen, and once the platform runs or the funds are stolen, a series of problems with extremely bad influence can be caused when the account funds reach a certain scale. Meanwhile, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be behaviors of counterfeiting and changing transactions to collect the funds of merchants and users.
The block chain has the characteristics of decentralization, openness, autonomy and information non-falsification, and can be used for constructing a supervision tool box which is required by a supervision department and comprises a plurality of means, so that the supervision with accuracy, timeliness and more dimensions can be implemented conveniently, and the problem that an online commercial service platform and an offline payment service provider are suspected to be clear is solved, so that a supervised payment method based on the block chain technology comes into force.
Disclosure of Invention
The invention aims to provide a supervised payment method based on a block chain technology, which can avoid the risk defect in the existing transaction system to a limited extent; at the same time, a regulatory body is added to the system. By utilizing the characteristic of the block chain distributed account book, a monitoring mechanism can monitor all transactions in the system in real time, and the problems of secondary clearing and the like are avoided.
In order to achieve the purpose, the invention adopts the following technical scheme:
a method of custodian payment based on blockchain technology, comprising the steps of:
s1, generating a transaction request by the transaction request system, and sending the transaction request to any node on the block chain;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes, and after the transaction request is blocked by a consensus algorithm, the transaction request is recorded on a block chain;
s3, after the pre-known system monitors the transaction request on the blockchain, the transaction request is sent to a transaction system of a commercial bank, a unionpay or a third-party company;
s4, after the transaction system processes the transaction request, the transaction result is returned to the precedent system;
s5, the pre-known system writes back the transaction result to the transaction return node of the block chain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the blockchain, the transaction request system obtains the transaction result notice and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
The block chain further comprises a supervision node, and all transactions are supervised through an account book of the supervision node.
The supervisory node can prevent risk transactions from occurring and penalize offending nodes and transaction request systems.
Wherein the transaction request system obtains the transaction result notification comprises a plurality of notifications within a certain time.
Furthermore, the transaction method adopts a payment system based on a block chain technology, and the system comprises a transaction request system, an access module, a block chain, a connection module and a channel module; the transaction request system, the access module, the block chain, the connection module and the channel module are connected in sequence; the connection module comprises a prior known system, the channel module comprises a transaction system of a commercial bank, a unionpay or a third-party company, and the transaction method comprises the following steps:
s1, the transaction request system generates a transaction request and sends the transaction request to any node on the block chain through the access module;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes of the blockchain, and after the blocking is carried out through a consensus algorithm, the transaction request is recorded on the blockchain;
s3, after the pre-known system of the connection module monitors the transaction request on the block chain, the transaction request is sent to the transaction system of the commercial bank, the UnionPay or the third-party company of the channel module;
s4, after the transaction system processes the transaction request, a transaction result is returned to the prior knowledge system;
s5, the priori knowledge system writes the transaction result back to the transaction return node of the block chain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the block chain, the transaction request system obtains the notification of the transaction result and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
All nodes have a complete non-tampered account book.
The payment system based on the blockchain technology further comprises a supervision mechanism, wherein the supervision mechanism is a node on the blockchain, the node where the supervision mechanism is located forms a supervision node, and all transactions are supervised through an account book of the supervision node. The supervisory node can prevent risk transactions from occurring and penalize offending nodes and transaction request systems.
The transaction method also comprises a reconciliation step, wherein the transaction bills of all transaction request systems are obtained and are matched with the transaction data on the blockchain, unmatched transactions are found out, and the unmatched transactions found out by the reconciliation system are processed.
Drawings
Fig. 1 is a block diagram of a payment system for transactions constructed in accordance with the present invention.
Fig. 2 is a block exploded view of a payment system for transactions constructed in accordance with the present invention.
Fig. 3 is a flowchart of a payment method according to embodiment 2 of the present invention.
Fig. 4 is a flowchart of a payment method according to embodiment 3 of the present invention.
Detailed Description
The supervised payment method based on blockchain technology of the present invention is further explained and explained with reference to the drawings and the specific embodiments.
Example 1
As shown in fig. 1, the payment method used by the present invention is based on the following system, including: the system comprises a merchant module, an access module, a block chain, a connection module and a channel module; the commercial tenant module, the access module, the block chain, the connection module and the channel module are sequentially connected; the merchant module is composed of a merchant self-owned transaction system, and all transactions are firstly ordered through the merchant self-owned transaction system to form transaction requests and are submitted to the payment system; the transaction request is transmitted to a channel module in the payment system through an access module, a block chain and a connection module; the access module consists of an SDK module and an operation management system, and the operation management system is used for managing transaction orders and merchant authorities; and the channel module receives the transaction request sent by the connection module, processes the transaction request and returns a transaction result to the connection module after the transaction request is processed.
Further, the payment system comprises a monitoring alarm system and a data wind control system.
Further, the SDK module is used for helping a merchant conveniently and quickly access to the blockchain transaction system.
Further, the operation management system is used for managing the transaction orders and the merchant authority, and comprises various functions of viewing, adding, modifying, deleting and the like.
Further, the connection module comprises a foreknowledge system, a notification system, a reconciliation system and an error system.
Further, the pre-known system is a bridge connecting the block chain and the channel module transaction system, monitors the transaction request on the block chain, and sends the monitored transaction request to the channel module; meanwhile, the pre-known system receives the transaction result and the transaction clearing result returned by the channel module and writes the transaction results into the block chain.
Furthermore, the notification system is used for notifying the transaction result to the merchant module, so that the merchant can conveniently obtain the payment result in the fastest time, and the merchant can be notified for a plurality of times in a certain time in order to prevent network fluctuation and prevent the merchant from being unable to receive the transaction result due to system reasons.
Further, the reconciliation system is used for acquiring the statistical bill of the payment system, matching the statistical bill with the transaction data on the blockchain and finding out unmatched transactions.
Further, an error system is used to process transactions found by the reconciliation system that do not match.
Further, the channel module comprises traditional transaction systems such as commercial banks, unions of bank and third-party payment companies, receives the transaction request sent by the precedent system, processes the transaction request, and returns the transaction result and the transaction clearing result to the precedent system after the transaction request is processed.
Further, the payment system further comprises a monitoring system for monitoring each system, including the running state of the system, whether the system works normally, and the state of a server where the system is located, and when the system is abnormal, an alarm is sent to relevant operation and maintenance and development personnel.
Further, the payment system further comprises a data system, which is used for outputting various transaction data according to the requirements of merchants, wherein the transaction data comprises real-time transaction data, transaction summary data, various dimension analysis data and the like.
Furthermore, the payment system further comprises a wind control system for monitoring risk transaction, wherein the wind control system comprises a wind control rule module, a real-time wind control module and a post-event wind control module.
Furthermore, the block chain realizes a block chain point-to-point network, a consensus mechanism, a privacy mechanism and an intelligent contract. When the method is applied to payment, the block chain is basically similar to a common union chain, and the differences are that the realized intelligent contract is inconsistent, the data broadcasted on the chain is inconsistent, more systems are added to the connection module, and the prior known systems are also different; the first known system firstly monitors the transaction request on the chain, then sends the transaction request to the channel module, then receives the transaction result of the channel module, and finally writes the transaction result into the block chain. And moreover, the combination of the channel module, the monitoring alarm system and the data wind control system, and the combination of the modules and the system enable the payment system to be better than the existing payment system, and the defects and shortcomings of the existing system are overcome.
The transaction method comprises the following steps:
s1, the transaction request system generates a transaction request and sends the transaction request to any node on the block chain through the access module;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes of the blockchain, and after the blocking is carried out through a consensus algorithm, the transaction request is recorded on the blockchain;
s3, after the pre-known system of the connection module monitors the transaction request on the block chain, the transaction request is sent to the transaction system of the commercial bank, the UnionPay or the third-party company of the channel module;
s4, after the transaction system processes the transaction request, a transaction result is returned to the prior knowledge system;
s5, the prior knowledge system writes the transaction result back to the transaction return node of the blockchain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the block chain, the transaction request system obtains the notification of the transaction result and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
All nodes have a complete non-tampered account book.
The payment system based on the blockchain technology further comprises a supervision mechanism, wherein the supervision mechanism is a node on the blockchain, the node where the supervision mechanism is located forms a supervision node, and all transactions are supervised through an account book of the supervision node. The supervisory node can prevent risk transactions from occurring and penalize offending nodes and transaction request systems.
The transaction method also comprises a reconciliation step, wherein the transaction bills of all transaction systems are obtained and are matched with the transaction data on the blockchain, unmatched transactions are found out, and the unmatched transactions found out by the reconciliation system are processed. Wherein the reconciliation step is performed by the reconciliation system and the error system.
Example 2
A supervised payment method based on blockchain technology, comprising the steps of:
s1, generating a transaction request by the transaction request system, and sending the transaction request to any node on the block chain;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes, and after the transaction request is blocked by a consensus algorithm, the transaction request is recorded on a block chain;
s3, after the pre-known system monitors the transaction request on the blockchain, the transaction request is sent to a transaction system of a commercial bank, a unionpay or a third-party company;
s4, after the transaction system processes the transaction request, the transaction result is returned to the precedent system;
s5, the foreknowledge system writes the transaction result back to the transaction return node of the block chain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the blockchain, the transaction request system obtains the transaction result notice and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
The block chain further comprises a supervision node, and all transactions are supervised through an account book of the supervision node.
The supervisory node can prevent risk transactions from occurring and penalize offending nodes and transaction request systems.
Wherein the transaction request system obtains the transaction result notification comprises a plurality of notifications within a certain time.
According to the transaction flow and blockchain features of the present invention, all nodes will have a complete non-tampered book. Therefore, the supervision mechanism can supervise all transactions through the account book of the node, so that risk transactions are prevented from occurring, and punishment is carried out on violation nodes and platforms.
Example 3
Based on embodiment 2, after step S8, the method further includes: and step S9, taking the transaction bills of all transaction systems, matching the transaction bills with the transaction data on the blockchain, finding out unmatched transactions, and processing the unmatched transactions found by the reconciliation system.
Example 4
Based on the embodiment 1, the transaction method further includes step 9 of taking the transaction bills of all the transaction systems through the reconciliation system, matching the transaction bills with the transaction data on the blockchain, finding out unmatched transactions, and processing the unmatched transactions found out by the reconciliation system through the error system.
In all the above embodiments, typically, the transaction request is a payment request, the transaction result is a payment result, and the transaction data is data of the payment request, data of the payment result, and data of the payment process.
The present invention is not limited to the above-described embodiments, and variations, modifications, additions and substitutions which can be made by those skilled in the art within the spirit of the invention are also within the scope of the invention.
Claims (10)
1. A supervised payment method based on block chain technology is characterized by comprising the following steps:
s1, generating a transaction request by the transaction request system, and sending the transaction request to any node on the block chain;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes, and after the transaction request is blocked by a consensus algorithm, the transaction request is recorded on a block chain;
s3, after the pre-known system monitors the transaction request on the blockchain, the transaction request is sent to a transaction system of a commercial bank, a unionpay or a third-party company; the foreknowledge system is connected with the transaction request system, the block chain and the transaction system of the third-party company;
s4, after the transaction system processes the transaction request, the transaction result is returned to the precedent system;
s5, the foreknowledge system writes the transaction result back to the transaction return node of the block chain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the blockchain, the transaction request system obtains the transaction result notice and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
2. A payment method as claimed in claim 1, wherein the blockchain further comprises a policing node, all transactions being policed by an account book of the policing node.
3. A payment method as recited in claim 1, wherein the transaction request system obtaining transaction result notifications includes multiple notifications over a period of time.
4. A payment method as claimed in any one of claims 1 to 3, wherein the payment method further comprises: and step S9, acquiring the transaction bills of all transaction systems, matching the transaction bills with the transaction data on the blockchain, finding out unmatched transactions, processing the unmatched transactions found by the reconciliation system, and completing the payment process.
5. A block chain technology-based supervised payment method is characterized in that a block chain technology-based payment system is adopted, and the system comprises a transaction request system, an access module, a block chain, a connection module and a channel module; the transaction request system, the access module, the block chain, the connection module and the channel module are connected in sequence; the connection module comprises a prior-known system, and the channel module comprises a business bank, a unionpay or a transaction system of a third-party company; the foreknowledge system is connected with the transaction request system, the block chain and the transaction system of the third-party company; the payment method comprises the following steps:
s1, the transaction request system generates a transaction request and sends the transaction request to any node on the block chain through the access module;
s2, after the node receives the transaction request, the transaction request is broadcasted to other nodes of the blockchain, and after the blocking is carried out through a consensus algorithm, the transaction request is recorded on the blockchain;
s3, after the pre-known system of the connection module monitors the transaction request on the block chain, the transaction request is sent to the transaction system of the commercial bank, the UnionPay or the third-party company of the channel module;
s4, after the transaction system processes the transaction request, a transaction result is returned to the prior knowledge system;
s5, the priori knowledge system writes the transaction result back to the transaction return node of the block chain;
s6, after the block chain node receives the transaction result, the transaction result is broadcasted to all nodes and is blocked;
s7, after the transaction result is recorded on the block chain, the transaction request system obtains the notification of the transaction result and processes the transaction result;
and S8, settlement date, settlement of funds to the account of the transaction request system by the clearing institution, sending the settlement transaction to the block chain through the foreknowledge system, broadcasting to all nodes and blocking.
6. A payment method as claimed in claim 1 or 5, wherein all nodes have a complete non-tampered book.
7. A payment method as claimed in claim 5, wherein the payment system based on blockchain technology further comprises a policing authority, the policing authority being a node on the blockchain, the node where the policing authority is located constituting a policing node, all transactions being policed by an account book of the policing node.
8. A payment method as claimed in claim 2 or 7, wherein the supervisory node is able to penalise the offending node and the transaction request system.
9. The payment method of claim 5, wherein the connection module of the payment system further comprises a reconciliation system and an error system, the payment method further comprising: and step S9, the transaction bills of all transaction systems are taken through the reconciliation system and are matched with the transaction data on the blockchain, unmatched transactions are found out, the unmatched transactions found out through the reconciliation system are processed through the error system, and the payment process is completed.
10. A payment method as claimed in claim 9, wherein the transaction data includes data of a transaction request, data of a transaction result and data of a transaction process.
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