Payment system based on block chain technology
Technical Field
The invention relates to the technical field of payment transaction, in particular to a supervised payment transaction system 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 payment transaction system based on the block chain technology is produced.
Disclosure of Invention
The invention aims to provide a payment transaction system based on a block chain, 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 payment system for transaction is characterized by comprising a transaction application module, an access module, a block chain module, a connection module and a channel module; the transaction application module, the access module, the block chain module, the connection module and the channel module are sequentially in communicative connection, and the connection module is in communicative connection with the access module; the transaction application module is composed of a merchant owned transaction system, all transactions are firstly issued through the merchant owned transaction system to form transaction requests, and the transaction requests are submitted to the payment system; the transaction request is transmitted to the channel module in the payment system through the access module, the blockchain module and the 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.
The connection module is configured to: monitoring the transaction request on the blockchain module, sending the monitored transaction request to the channel module, receiving the transaction result returned by the channel module, and writing the received transaction result into the blockchain module.
The connection module comprises a foreknowledge system, a notification system, a reconciliation system and an error system.
The pre-known system is a bridge connecting a block chain and a channel module transaction system, monitors transaction requests on the block chain module and sends the monitored transaction requests to the channel module; meanwhile, the pre-known system receives the transaction results returned by the channel module and writes the transaction results into the block chain module.
The notification system is used for receiving the transaction result and notifying the transaction result to the transaction application module, so that the merchant can obtain the payment result in the fastest time,
the notification system will notify the transaction application module multiple times over a period of time.
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 module and finding out unmatched transactions; the error system is used for processing unmatched transactions found by the reconciliation system.
The channel module comprises a commercial bank, a union pay and/or a transaction system of a third-party payment company and is used for receiving the transaction request sent by the precedent system, processing the transaction request and returning a transaction result and a transaction clearing result to the precedent system after the transaction request is processed.
The payment system also comprises a monitoring alarm system which is used 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 related operation and maintenance and development personnel;
the SDK module is used for helping a merchant conveniently and quickly access to the block chain transaction system; the operation management system is used for managing transaction orders and merchant authorities, and specifically comprises various functions of checking, adding, modifying, deleting and the like; the block chain module realizes a block chain point-to-point network, a consensus mechanism, a privacy mechanism and an intelligent contract.
The payment system also comprises a data system and a wind control system; the data system is used for outputting various transaction data according to the requirements of merchants, and the transaction data comprises real-time transaction data, transaction summary data and various dimension analysis data; the wind control system is used for monitoring risk transaction and comprises a wind control rule module, a real-time wind control module and a afterwards wind control module.
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.
Detailed Description
The payment system for transactions according to the present invention is further explained and illustrated in the following figures and embodiments in conjunction with the description.
As shown in fig. 1, the payment system for transaction includes a transaction application module, an access module, a blockchain module, a connection module, and a channel module; the transaction application module, the access module, the block chain module, the connection module and the channel module are sequentially in communicative connection, and the connection module is in communicative connection with the access module; the transaction application module is composed of a merchant owned transaction system, all transactions are firstly issued through the merchant owned transaction system to form transaction requests, and the transaction requests 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 module 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 transaction application 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 transaction system, matching the statistical bill with the transaction data on the blockchain module 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 a transaction system of a commercial bank, a unionpay and/or a third-party payment company, 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 module realizes a block chain point-to-point network, a consensus mechanism, a privacy mechanism and an intelligent contract. When the payment method is applied to payment, the block chain module is basically similar to a common union chain, and the difference is 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 system monitors the transaction request on the chain, then sends the transaction request to the channel module, receives the transaction result of the channel module, and finally writes the transaction result into the block chain module. 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.
Conventionally, 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 in 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.