Payment by the transfer of accounts method based on block chain technology
Technical field
The present invention relates to payment transaction technical field, more particularly to a kind of payment by the transfer of accounts method based on block chain technology.
Background technology
Currently, as the extensive growth of internet and cellphone subscriber, internet payment and mobile-phone payment develop rapidly.Together
When, supervision department finds that many platforms use " big trade company " and " two is clear " pattern during actually doing business." big business
Family " pattern refers to that Duo Jia trade companies are used in conjunction with the situation of trade company's coding, violates the factuality principle of trade company;" two is clear "
Pattern refers to that either bank transfers settlement money to certain company or someone for payment company, then by this company or individual
People is settled accounts to trade company, violates the direct principle of clearing.It is possible to that the situation that fund is trapped in platform account can occur, works as account
Family fund reaches certain scale, once the situation that platform runs away or embezzled funds occurs, it will produce a series of influences extremely
The problem of severe.Meanwhile the authenticity for the Transaction Information that platform provides can not be ensured, it is possible to forgery be present, alter transaction set
Take the behavior of trade company and user's fund.
Block chain has the characteristic that decentralization, opening, autonomy and information can not distort, and can be used for building prison
Supervision tool boxes required for pipe portion door, comprising numerous means, in favor of implementing accurate, timely and more various dimensions supervision,
It is two clear to solve the problems, such as on line under electric business class service platform and line that payment services business is accused of, also, payment by the transfer of accounts is also conventional all the more,
Thus, the payment by the transfer of accounts method based on block chain technology is arisen at the historic moment.
At present, in the method for payment based on block chain technology, independent prophet's system is not used to monitor on block chain
Transaction or pay request, or be connected with channel of disbursement using independent prophet's system, verified by prophet's system and transmit branch
Data are paid, the payment by the transfer of accounts method of the invention based on block chain technology, are to propose first in payment technical field therefore.
The content of the invention
The purpose of the present invention is to provide a kind of payment by the transfer of accounts method based on block chain technology, can effectively avoid existing
Risk defect in form ordering system.Using the characteristic of block chain distribution account book, regulator can be in real time to the institute in system
There is transaction to be supervised, the generation for the problems such as avoiding two clear.
In order to achieve the above object, the present invention adopts the following technical scheme that:
A kind of payment by the transfer of accounts method based on block chain technology, including:
S1, user submit order:User oneself and the information for the side of transferring accounts, generation pay request;
S2, commerce system, which are submitted, pays request:Trade company's form ordering system is submitted to request is paid in block chain payment system
Any one node, then now, the node form receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitoring and payment step:The payment request that prophet's system is listened on the block chain of matching node, will
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, and payment result is returned into prophet system
System;Prophet's system returns to payment result by matching block chain node to block chain;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, terminate this payment.
Further, the block chain processing step (S3) is specially:
S3.1, the receiving node receive it is described pay request, and to it is described payment request verify, if checking into
Work(, then the payment request is broadcast to other nodes of block chain, while the payment request is stored in the transaction of the node
Pond, and enter step S3.2;If authentication failed, directly abandon described pay and ask, terminate this payment;
After S3.2, other nodes of block chain receive the payment request of broadcast, verified respectively, if checking
Success and be receive for the first time it is described pay request, the payment request is broadcasted, while the payment please be sought survival
Enter the trading pit of own node, otherwise, the node itself directly abandons payment request;
S3.3, after preset time, it is described pay request it is blocking by algorithm of knowing together, be recorded on block chain.
Further, described monitor is specially with payment step (S4):
The payment request that S4.1, prophet's system are listened on the block chain of matching node, is carried out to paying request
Checking, if be proved to be successful, payment request is sent to channel of disbursement and enters step S4.2, if authentication failed, is abandoned
It is described to pay request, terminate this payment;
S4.2, channel of disbursement are handled the payment request, generate payment result;
S4.3, channel of disbursement will pay successful result and be sent to prophet's system, and prophet's system is successfully entered to described pay
Row checking, if be proved to be successful, payment result is write matching block chain node;If authentication failed, abandon
The payment result is without record.
Further, the payment result processing step (S5) is specially:
S5.1, the payment result with the block chain node reception prophet system write-in of prophet's system matches, to payment result
Verified, if be proved to be successful, be sent to other nodes of block chain, while payment result is stored in the transaction of the node
Pond;If authentication failed, the payment result is directly abandoned;
After S5.2, other nodes receive the payment result of broadcast, verified respectively, be proved to be successful and be first
It is secondary to receive the payment result, payment result is broadcasted, while payment result is stored in the trading pit of node;Otherwise, directly
Abandon the payment result;
S5.3, after preset time, the payment result by algorithm of knowing together it is blocking after, be recorded on block chain;
Payment result on block chain is returned to trade company's form ordering system by S5.4, the earliest node for receiving request.
Further, the payment result processing step (S5) also includes:
After S5.5, trade company's form ordering system receive payment result, payment result is shown.
Further, in step S4.3, after receiving the payment result with the block chain node of prophet's system matches,
Also include first verifying the payment result, other nodes of block chain are sent to after being proved to be successful, while tie paying
Fruit is stored in the trading pit of the node;If authentication failed, the payment result is directly abandoned;Other nodes receive the branch of broadcast
After paying result, verified respectively, be proved to be successful and be to receive the payment result for the first time, payment result is carried out wide
Broadcast, while payment result is stored in the trading pit of node;Otherwise, the payment result is directly abandoned.
Further, the payment data of authentication failed is carried out by the mistake verification with block chain link with processing system
Reason, wherein, the payment data includes paying request, pays the data of response, payment result and checkout result.
In addition, in the present invention, after other nodes of block chain receive broadcast, node itself abandons payment data, refers to
Payment data is abandoned in the node of the only authentication failed, rather than all nodes abandon payment data, payment data is also present
In certain node or some nodes of block chain.
Brief description of the drawings
Fig. 1 is the interaction schematic diagram of the method for payment constructed by the present invention
Fig. 2 is the flow chart of the embodiment 3 of the method for payment constructed by the present invention
Fig. 3 is the flow chart of the embodiment 2 of the method for payment constructed by the present invention
Embodiment
With reference to Figure of description and specific embodiment to the branch of transferring accounts of the present invention based on block chain technology
The method of paying, makes further explanation and explanation.
Embodiment 1
Payment by the transfer of accounts particular transactions flow is as follows:
User submits order:User oneself and the information for the side of transferring accounts, generation pay request;
Commerce system, which is submitted, pays request:Trade company's form ordering system is submitted to appointing in block chain payment system by request is paid
One node of meaning;
The broadcast payment request of block chain is simultaneously blocking:The node receives the request of trade company, and the request to trade company is verified, is tested
Other nodes of block chain are sent to after demonstrate,proving successfully, while the trading pit for asking to be stored in the node will be paid;If authentication failed,
Then directly abandon payment request.After other nodes receive the payment request of broadcast, verified, be proved to be successful simultaneously respectively
And be to receive payment request for the first time, broadcast paying request, while the trading pit for asking deposit node will be paid;It is no
Then, payment request is directly abandoned.After a predetermined time, payment request provides according to common recognition, is packaged into block chain
On.
Prophet's system listens to payment request:The payment that prophet's system is listened on the block chain of matching node please
Ask, and transaction is verified;
Prophet's system, which is sent, pays request:After being proved to be successful, prophet's system is sent to channel of disbursement by request is paid;
Channel of disbursement returns to payment result:Channel of disbursement is handled paying request, and payment result is returned into elder generation
Know system;
Prophet's system returns to payment result:After prophet's system receives payment result, payment result is sent to therewith
The node of matching;
Block chain broadcast payment result is simultaneously blocking:The node receives the result of prophet's system, and result is verified, verifies
Other nodes of block chain are sent to after success, while payment result is stored in the trading pit of the node;If authentication failed,
Directly abandon the payment result.After other nodes receive the payment result of broadcast, verified respectively, be proved to be successful and
It is to receive the payment result for the first time, payment result is broadcasted, while payment result is stored in the trading pit of node;It is no
Then, the payment result is directly abandoned.After a predetermined time, the payment result provides according to common recognition, is packaged into block chain
On;
Block chain returns to payment result:Payment result on block chain is returned to trade company and ordered by the earliest node for receiving request
Single system;
Trade company shows payment result:After the form ordering system of trade company receives payment result, payment result is shown to use
Family;
Embodiment 2
A kind of payment by the transfer of accounts method based on block chain technology, including:
S1, user submit order:User oneself and the information for the side of transferring accounts, generation pay request;
S2, commerce system, which are submitted, pays request:Trade company's form ordering system is submitted to request is paid in block chain payment system
Any one node, then now, the node form receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitoring and payment step:The payment request that prophet's system is listened on the block chain of matching node, will
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, and payment result is returned into prophet system
System;Prophet's system returns to payment result by matching block chain node to block chain;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, complete to pay overall process, terminate this payment.
Further, the block chain processing step (S3) is specially:
S3.1, the receiving node receive it is described pay request, and to it is described payment request verify, if checking into
Work(, then the payment request is broadcast to other nodes of block chain, while the payment request is stored in the transaction of the node
Pond, and enter step S3.2;If authentication failed, directly abandon described pay and ask, terminate this payment;
After S3.2, other nodes of block chain receive the payment request of broadcast, verified respectively, if checking
Success and be receive for the first time it is described pay request, the payment request is broadcasted, while the payment please be sought survival
Enter the trading pit of own node, otherwise, the node itself directly abandons payment request;
S3.3, after preset time, it is described pay request it is blocking by algorithm of knowing together, be recorded on block chain.
Further, described monitor is specially with payment step (S4):
The payment request that S4.1, prophet's system are listened on the block chain of matching node, is carried out to paying request
Checking, if be proved to be successful, payment request is sent to channel of disbursement and enters step S4.2, if authentication failed, is abandoned
It is described to pay request, terminate this payment;
S4.2, channel of disbursement are handled the payment request, generate payment result;
S4.3, channel of disbursement will pay successful result and be sent to prophet's system, and prophet's system is successfully entered to described pay
Row checking, if be proved to be successful, payment result is write matching block chain node;If authentication failed, abandon
The payment result is without record.
Further, the payment result processing step (S5) is specially:
S5.1, the payment result with the block chain node reception prophet system write-in of prophet's system matches, to payment result
Verified, if be proved to be successful, be sent to other nodes of block chain, while payment result is stored in the transaction of the node
Pond;If authentication failed, the payment result is directly abandoned;
After S5.2, other nodes receive the payment result of broadcast, verified respectively, be proved to be successful and be first
It is secondary to receive the payment result, payment result is broadcasted, while payment result is stored in the trading pit of node;Otherwise, directly
Abandon the payment result;
S5.3, after preset time, the payment result by algorithm of knowing together it is blocking after, be recorded on block chain;
Payment result on block chain is returned to trade company's form ordering system by S5.4, the earliest node for receiving request.
Further, the payment result processing step (S5) also includes:
After S5.5, trade company's form ordering system receive payment result, payment result is shown.
Further, the payment data of authentication failed is carried out by the mistake verification with block chain link with processing system
Reason, wherein, the payment data includes paying request, pays the data of response, payment result and checkout result.
Embodiment 3
A kind of payment by the transfer of accounts method based on block chain technology, only includes:
S1, user submit order:User oneself and the information for the side of transferring accounts, generation pay request;
S2, commerce system, which are submitted, pays request:Trade company's form ordering system is submitted to request is paid in block chain payment system
Any one node, then now, the node form receiving node;
S3, block chain processing step:After block chain is verified to the payment request, it will be asked by the payment of checking
Blocking by algorithm of knowing together, thus, the payment request is recorded on block chain;
S4, monitoring and payment step:The payment request that prophet's system is listened on the block chain of matching node, will
Pay request and be sent to channel of disbursement;Channel of disbursement is handled the payment request, and payment result is returned into prophet system
System;Prophet's system returns to payment result by matching block chain node to block chain;
S5, payment result processing step:The payment result by algorithm of knowing together it is blocking after, be recorded on block chain,
And it is informed to the form ordering system of trade company;
S6, complete to pay overall process, terminate this payment.
In addition, in the present invention, after other nodes of block chain receive broadcast, node itself abandons payment data, refers to
Payment data is abandoned in the node of the only authentication failed, rather than all nodes abandon payment data, payment data is also present
In certain node or some nodes of block chain.
According to the transaction flow of the present invention and the characteristic of block chain, all nodes can all have portion completely to distort
Account book.Therefore, regulator can arrive all transaction by the account book supervision of this node, prevent the generation of risk trade.
The present invention is not limited in above-mentioned embodiment, and the instant personnel in this area do in the essential scope of the present invention
The variations, modifications, additions or substitutions gone out, it should also belong to protection scope of the present invention.