CN107993149A - Account information management method, system and readable storage medium storing program for executing - Google Patents
Account information management method, system and readable storage medium storing program for executing Download PDFInfo
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- CN107993149A CN107993149A CN201711363311.4A CN201711363311A CN107993149A CN 107993149 A CN107993149 A CN 107993149A CN 201711363311 A CN201711363311 A CN 201711363311A CN 107993149 A CN107993149 A CN 107993149A
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- account information
- block chain
- chain node
- alliance
- account
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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
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L65/00—Network arrangements, protocols or services for supporting real-time applications in data packet communication
- H04L65/1066—Session management
- H04L65/1073—Registration or de-registration
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
Abstract
The invention discloses a kind of account information management method, system and readable storage medium storing program for executing, the method comprising the steps of：After the registration request of registration virtual account is received by issuers server, by the acquired corresponding account information write-in credit card issuer block chain node of virtual account；Account information is obtained from credit card issuer block chain node by intelligent contract, virtual account is created according to account information；Account information is synchronized to based on peer-to-peer network and is received in single file block chain node and clearing bank's block chain node；After intelligent contract receives transaction request, account information is changed according to transaction request by intelligent contract, and amended account information is synchronized in each block chain node of alliance's chain, wherein, alliance's chain includes receiving single file block chain node, clearing bank's block chain node and credit card issuer block chain node.The present invention realizes issuers server, receives the uniformity of account information in single file server and clearing bank's server.
Description
Technical field
The present invention relates to account information administrative skill field, more particularly to a kind of account information management method, system and
Readable storage medium storing program for executing.
Background technology
When user registers stored value card in credit card issuer, issuers server needs to give user's registration one virtual account
Family, and the corresponding account information of the virtual account is synchronized to and receives single file server and clearing bank's server.When user changes account
During the information of family, it is also desirable to be synchronized to amended account information and receive single file server and clearing bank's server.Such as when user exists
During registering stored value card, after issuers server receives registration request, virtual account is established according to the registration request,
And the corresponding account information of virtual account is stored in DB (Database, database), and notify user that virtual account is registered
Work(；Registration request is passed through HTTPS (Hyper Text Transfer Protocol over Secure by issuers server
Socket Layer, procotol) it is sent to and receives single file server；After receipts single file service receives registration request, according to the note
Virtual account is established in volume request, and by the corresponding account information deposit DB of virtual account, is returned to response message and taken to credit card issuer
Business device, to remind issuers server registration request to receive successfully.Asked likewise, issuers server will be registered by HTTPS
Ask and be sent to clearing bank's server.Specifically process can refer to Fig. 1.
If during receiving single file server and sending response message to issuers server, network breaks down, hair fastener
Row server will be considered that receiving single file server is not properly received registration request, and issuers server can periodically resend registration
Ask to give receipts single file server, and after the response message for receiving single file transmission is successfully received, can just give clearing bank's server hair
Send registration request.It follows that it is that issuers server is responsible for by issuers server, receives single file server and clearing bank now
The uniformity of account information between server, issuers server need to consider to receive single file server and clearing bank's server at the same time
The synchronous situation of account information.And user is consumed in virtual account, corresponding consumption data is also recorded on credit card issuer
In the database of server, therefore, consumption data is unable to real-time synchronization into clearing bank's server.Current way is to tie daily
The consumption data of one day is sent to clearing bank's server by Shu Hou, issuers server, by clearing bank's server according to consumption number
Operated according to clearance is performed.It follows that the account between current issuers server, receipts single file server and clearing bank's server
Information (account information includes consumption data) is unable to real-time synchronization, causes issuers server to be difficult to safeguard with receiving single file server
The uniformity of account information between clearing bank's server.
The content of the invention
It is a primary object of the present invention to provide a kind of account information management method, system and readable storage medium storing program for executing, purport
Cannot be same in real time in the account information for solving existing issuers server, receiving between single file server and clearing bank's server
Step, causes issuers server, receives the technical problem of the uniformity of account information between single file server and clearing bank's server.
To achieve the above object, the present invention provides a kind of account information management method, the account information management method bag
Include step：
After the registration request of registration virtual account is received by issuers server, obtain the virtual account and correspond to
Account information, and the account information is write in corresponding with issuers server credit card issuer block chain node；
By operating in the intelligent contract in block catenary system the account letter is obtained from the credit card issuer block chain node
Breath, virtual account is created according to the account information；
The account information is synchronized to based on peer-to-peer network and is received in single file block chain node and clearing bank's block chain node；
After the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the amended account information is synchronized in each block chain node of alliance's chain, wherein, the alliance
Chain includes receiving single file block chain node, clearing bank's block chain node and the credit card issuer block chain node.
It is preferably, described after the intelligent contract receives transaction request when the transaction request is charging request,
The account information is changed according to the transaction request by the intelligent contract, and the amended account information is synchronized to
Before step in each block chain node of alliance's chain, further include：
After the issuers server receives charging request, the charging request is sent out by the issuers server
Give the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives the charging request that the credit card issuer block chain node is sent, determine described
The corresponding recharge amount of charging request；
Account balance in the account information is changed according to the recharge amount, and by the amended account balance
It is synchronized in each block chain node of alliance's chain.
It is preferably, described after the intelligent contract receives transaction request when the transaction request is asked to withdraw deposit,
The account information is changed according to the transaction request by the intelligent contract, and the amended account information is synchronized to
Before step in each block chain node of alliance's chain, further include：
After the issuers server, which receives, withdraws deposit request, by the issuers server by the request of withdrawing deposit
It is sent to the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives, and request is withdrawn deposit described in the credit card issuer block chain node transmission, determine described
Withdraw deposit and ask corresponding Withdrawal Amount；
Account balance in the account information is changed according to the Withdrawal Amount, and by the amended account balance
It is synchronized in each block chain node of alliance's chain.
Preferably, described be synchronized to the account information based on peer-to-peer network receives single file block chain node and area of clearing bank
After step in block chain node, further include：
After clearing bank's block chain node receives the RMB exchange rate that clearing bank's server is sent, by the people
The coin exchange rate is synchronized in each block chain node of alliance's chain.
Preferably, it is described to be asked when the intelligent contract receives transaction when the transaction request is cross-border payment request
After asking, the account information is changed according to the transaction request by the intelligent contract, and by the amended account information
It is synchronized to before the step in each block chain node of alliance's chain, further includes：
After the issuers server receives the cross-border payment request, by the issuers server by described in
Cross-border payment request is sent to the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives the cross-border payment request that the credit card issuer block chain node is sent, by institute
State intelligent contract and the corresponding amount of RMB of the cross-border payment request is converted to by the cross-border payment according to RMB exchange rate
The foreign currency amount of the corresponding user the country one belongs to of request, and the amount of RMB and the foreign currency amount are synchronized to the alliance
In each block chain node of chain.
Preferably, the account information management method further includes：
After the block chain node in alliance's chain receives data message, by the block chain node in alliance's chain
Obtain public key information；
Verify whether the data message is by other block chain nodes in alliance's chain according to the public key information
Send.
Preferably, it is described to verify whether the data message is by other in alliance's chain according to the public key information
Block chain node includes the step of transmission：
The data message of private key signature is verified according to the public key information；
If for the data message by verification, it is by other block chains in alliance's chain to confirm the data message
What node was sent；
If the data message authentication failed, it is not the mechanism transmission by alliance's chain to confirm the data message
's.
Preferably, the account information management method further includes：
After clearing bank's server corresponding with clearing bank's block chain node receives clearance request, control described clear
Calculate row server and obtain the account information from clearing bank's block chain node；
Clearance operation is performed according to the acquired account information, is cleared as a result, and by the area of clearing bank
The clearance result is synchronized in each block chain node of alliance's chain by block chain node.
In addition, to achieve the above object, the present invention also provides a kind of account information management system, the account information management
System includes memory, processor and is stored in the account information management that can be run on the memory and on the processor
Program, the account information management program realize the step of account information management method as described above when being performed by the processor
Suddenly.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer-readable recording medium
Account information management program is stored with storage medium, as above institute is realized when the account information management program is executed by processor
The step of account information management method stated.
The present invention is by after the registration request of registration virtual account is received by issuers server, obtaining the void
Intend the corresponding account information of account, and the account information is write into credit card issuer block chain corresponding with the issuers server
In node；By operating in the intelligent contract in block catenary system the account letter is obtained from the credit card issuer block chain node
Breath, virtual account is created according to the account information；The account information is synchronized to based on peer-to-peer network and receives single file block chain
In node and clearing bank's block chain node；After the intelligent contract receives transaction request, by the intelligent contract according to institute
State transaction request and change the account information, and the amended account information is synchronized to each block chain link of alliance's chain
In point, wherein, alliance's chain includes receiving single file block chain node, clearing bank's block chain node and the credit card issuer block chain link
Point.Realize account information in credit card issuer block chain node, receipts single file block chain node and clearing bank's block chain link by alliance's chain
Real-time synchronization between point, ensure issuers server, receive single file server with clearing bank server account information it is consistent
Property.And all account information can be inquired about in respective block chain node due to receiving single file server and clearing bank's server, no
Issuers server is needed to send account information, so as to build the system of account of a decentralization.
Brief description of the drawings
Fig. 1 is the basic management flow diagram of account information in the prior art；
Fig. 2 is the structure diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 3 is the flow diagram of account information management method first embodiment of the present invention；
Fig. 4 is the flow diagram of account information management method second embodiment of the present invention；
Fig. 5 is the flow diagram of account information management method 3rd embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly：When the note that registration virtual account is received by issuers server
After volume request, the corresponding account information of the virtual account is obtained, and the account information is write and the credit card issuer service
In the corresponding credit card issuer block chain node of device；By operating in the intelligent contract in block catenary system from the credit card issuer block chain
Node obtains the account information, and virtual account is created according to the account information；Based on peer-to-peer network by the account information
It is synchronized to and receives in single file block chain node and clearing bank's block chain node；After the intelligent contract receives transaction request, by
The intelligence contract changes the account information according to the transaction request, and the amended account information is synchronized to connection
In each block chain node of alliance's chain, wherein, alliance's chain include receiving single file block chain node, clearing bank's block chain node and
The credit card issuer block chain node.To solve existing issuers server, receive between single file server and clearing bank's server
Account information be unable to real-time synchronization, cause issuers server, receive account between single file server and clearing bank's server and believe
The problem of uniformity of breath.
As shown in Fig. 2, the structure diagram for the hardware running environment that Fig. 2, which is the embodiment of the present invention, to be related to.The account
Information management system can include：Processor 1001, such as CPU, network interface 1004, memory 1005, communication bus 1002.
Wherein, communication bus 1002 is used for realization the connection communication between these components.Network interface 1004 can optionally include mark
Wireline interface, the wave point (such as WI-FI interfaces) of standard.Memory 1005 can be high-speed RAM memory or stabilization
Memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of preceding
State the storage device of processor 1001.
Alternatively, account information management system can also include RF (Radio Frequency, radio frequency) circuit, sensor,
WiFi module etc..
It will be understood by those skilled in the art that the account information management system structure shown in Fig. 1 not structure paired terminal
Restriction, can include than illustrating more or fewer components, either combine some components or different components arrangement.
As shown in Figure 1, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Believe module, Subscriber Interface Module SIM and account information management program.Wherein, operating system is management and control account information management
The program of system hardware and software resource, supports the operation of account information management program and other softwares or program.
In the account information management system shown in Fig. 1, network interface 1004 is mainly used for connecting background server, and rear
Platform server is into row data communication；Processor 1001 can be used for calling the account information management journey stored in memory 1005
Sequence, and perform following operation：
After the registration request of registration virtual account is received by issuers server, obtain the virtual account and correspond to
Account information, and the account information is write in corresponding with issuers server credit card issuer block chain node；
By operating in the intelligent contract in block catenary system the account letter is obtained from the credit card issuer block chain node
Breath, virtual account is created according to the account information；
The account information is synchronized to based on peer-to-peer network and is received in single file block chain node and clearing bank's block chain node；
After the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the amended account information is synchronized in each block chain node of alliance's chain, wherein, the alliance
Chain includes receiving single file block chain node, clearing bank's block chain node and the credit card issuer block chain node.
Further, it is described when the intelligent contract receives transaction request when the transaction request is charging request
Afterwards, the account information is changed according to the transaction request by the intelligent contract, and the amended account information is same
Before walking the step in each block chain node of alliance's chain, processor 1001 can be also used for calling and be deposited in memory 1005
The account information management program of storage, and perform following steps：
After the issuers server receives charging request, the charging request is sent out by the issuers server
Give the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives the charging request that the credit card issuer block chain node is sent, determine described
The corresponding recharge amount of charging request；
Account balance in the account information is changed according to the recharge amount, and by the amended account balance
It is synchronized in each block chain node of alliance's chain.
Further, it is described when the intelligent contract receives transaction request when the transaction request is asked to withdraw deposit
Afterwards, the account information is changed according to the transaction request by the intelligent contract, and the amended account information is same
Before walking the step in each block chain node of alliance's chain, processor 1001 can be also used for calling and be deposited in memory 1005
The account information management program of storage, and perform following steps：
After the issuers server, which receives, withdraws deposit request, by the issuers server by the request of withdrawing deposit
It is sent to the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives, and request is withdrawn deposit described in the credit card issuer block chain node transmission, determine described
Withdraw deposit and ask corresponding Withdrawal Amount；
Account balance in the account information is changed according to the Withdrawal Amount, and by the amended account balance
It is synchronized in each block chain node of alliance's chain.
Further, described be synchronized to the account information based on peer-to-peer network receives single file block chain node and clearing bank
After step in block chain node, processor 1001 can be also used for calling the account information management stored in memory 1005
Program, and perform following steps：
After clearing bank's block chain node receives the RMB exchange rate that clearing bank's server is sent, by the people
The coin exchange rate is synchronized in each block chain node of alliance's chain.
Further, it is described when the intelligent contract receives transaction when the transaction request is cross-border payment request
After request, the account information is changed according to the transaction request by the intelligent contract, and the amended account is believed
Breath is synchronized to before the step in each block chain node of alliance's chain, and processor 1001 can be also used for calling memory 1005
The account information management program of middle storage, and perform following steps：
After the issuers server receives the cross-border payment request, by the issuers server by described in
Cross-border payment request is sent to the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, changed by the intelligent contract according to the transaction request
The account information, and the amended account information is synchronized to the step bag in each block chain node of alliance's chain
Include：
After the intelligent contract receives the cross-border payment request that the credit card issuer block chain node is sent, by institute
State intelligent contract and the corresponding amount of RMB of the cross-border payment request is converted to by the cross-border payment according to RMB exchange rate
The foreign currency amount of the corresponding user the country one belongs to of request, and the amount of RMB and the foreign currency amount are synchronized to the alliance
In each block chain node of chain.
Further, processor 1001 can be also used for calling the account information management program stored in memory 1005,
And perform following steps：
After the block chain node in alliance's chain receives data message, by the block chain node in alliance's chain
Obtain public key information；
Verify whether the data message is by other block chain nodes in alliance's chain according to the public key information
Send.
Further, it is described to verify whether the data message is by its in alliance's chain according to the public key information
Its block chain node includes the step of transmission：
The data message of private key signature is verified according to the public key information；
If for the data message by verification, it is by other block chains in alliance's chain to confirm the data message
What node was sent；
If the data message authentication failed, it is not the mechanism transmission by alliance's chain to confirm the data message
's.
Further, processor 1001 can be also used for calling the account information management program stored in memory 1005,
And perform following steps：
After clearing bank's server corresponding with clearing bank's block chain node receives clearance request, control described clear
Calculate row server and obtain the account information from clearing bank's block chain node；
Clearance operation is performed according to the acquired account information, is cleared as a result, and by the area of clearing bank
The clearance result is synchronized in each block chain node of alliance's chain by block chain node.
Based on above-mentioned hardware configuration, each embodiment of account information management method is proposed.
With reference to Fig. 3, Fig. 3 is the flow diagram of account information management method first embodiment of the present invention.
In the present embodiment, there is provided the embodiment of account information management method is, it is necessary to illustrate, although in flow chart
In show logical order, but in some cases, can be to perform shown or described step different from order herein
Suddenly.
In the present embodiment, account information management method is applied to account information management system, the account information management
Method includes：
Step S10, after the registration request of registration virtual account is received by issuers server, obtains described virtual
The corresponding account information of account, and the account information is write into credit card issuer block chain link corresponding with the issuers server
Point in.
In embodiments of the present invention, single file server is received to correspond to receive single file block chain node, clearing bank's server correspondence
Clearing bank's block chain node and issuers server correspond to credit card issuer block chain node.Receive single file block chain node, clear
Calculate row block chain node and credit card issuer block chain node is built into alliance's chain jointly.Wherein, alliance's chain is one kind by mutual
The agency node of trust forms, and establishes connection between node, data transfer uses safe and reliable mode, such as certification, IP
(Internet Protocol, the agreement interconnected between network) white list etc., the block serobila that external node can not add
System.Node refers in particular to participate in block chain network, is traded the network node with data exchange, and each independent agency can be gathered around
There is one to arrive multiple transaction nodes, each transaction node is one group of physical network, computer, block chain application software and data
The combination in storehouse.
In single file server, issuers server and clearing bank's server is received, all it is correspondingly arranged on and represents its identity
Data signature, in data signature, there are public key information, which can be synchronized to some intelligence contract in alliance's chain
In.Wherein, intelligent contract is a kind of code snippet that may operate on block chain, and the implementation procedure of intelligent contract can be with transaction
Form know together, confirm on block chain.
After issuers server receives the registration request of the registration virtual account of user's triggering, issuers server obtains
The corresponding account information of virtual account is taken, and acquired account information is write to corresponding credit card issuer block chain node
In.Wherein, virtual account information-account balance information, credit card issuer currency type information and user's name etc..
Step S20, institute is obtained by operating in the intelligent contract in block catenary system from the credit card issuer block chain node
Account information is stated, virtual account is created according to the account information.
The account information, is synchronized to and receives single file block chain node and clearing bank's block by step S30 based on peer-to-peer network
In chain node.
After account information is write in credit card issuer block chain node corresponding with issuers server, block is operated in
Intelligent contract in catenary system obtains account information from credit card issuer block chain node, and virtual according to account information creating
Account.After account information is write in credit card issuer block chain node corresponding with the issuers server, pass through P2P
Account information is synchronized to other block chain nodes in alliance's chain by (Peer to Peer, peer-to-peer network), that is, it is single to be synchronized to receipts
In row block chain node and clearing bank's block chain node, to realize the uniformity of account information in each block chain node.P2P is
In centralized network, Trading parties are communicated by a Centroid agency and interim data, can between node in P2P
With mutual direct communication, a reciprocity net structure is formed, reduces the expense of central site network, the number that a node produces
According to, can at the same time to multiple nodes send broadcast.
Step S40, after the intelligent contract receives transaction request, by the intelligent contract according to the transaction request
The account information is changed, and the amended account information is synchronized in each block chain node of alliance's chain, wherein,
Alliance's chain includes receiving single file block chain node, clearing bank's block chain node and the credit card issuer block chain node.
Intelligent contract detects whether to receive transaction request.If intelligent contract receives transaction request, intelligent contract root
Corresponding account information is changed according to transaction request, and amended account information is synchronized to each block chain link in alliance's chain
Point in.
Further, account information management method further includes：
Step a, after clearing bank's block chain node receives the RMB exchange rate that clearing bank's server is sent, by institute
RMB exchange rate is stated to be synchronized in each block chain node of alliance's chain.
Further, after block chain server receives the more new command of renewal RMB exchange rate, according to more new command
RMB exchange rate is updated, and the RMB exchange rate after renewal is sent to corresponding clearing bank's block chain node.When area of clearing bank
After block chain node receives the RMB exchange rate that clearing bank server is sent, and RMB exchange rate is synchronized to each in alliance's chain
In a block chain node.Further, after the intelligent contract for handling the exchange rate gets RMB exchange rate, the intelligence of the exchange rate is handled
The conjunction appointment record RMB exchange rate, and corresponding interface is provided, converged for possessing the intelligent contract of other functions inquiry RMB
Rate.
The present embodiment is by after the registration request of registration virtual account is received by issuers server, described in acquisition
The corresponding account information of virtual account, and the account information is write into credit card issuer block corresponding with the issuers server
In chain node；By operating in the intelligent contract in block catenary system the account letter is obtained from the credit card issuer block chain node
Breath, virtual account is created according to the account information；The account information is synchronized to based on peer-to-peer network and receives single file block chain
In node and clearing bank's block chain node；After the intelligent contract receives transaction request, by the intelligent contract according to institute
State transaction request and change the account information, and the amended account information is synchronized to each block chain link of alliance's chain
In point, wherein, alliance's chain includes receiving single file block chain node, clearing bank's block chain node and the credit card issuer block chain link
Point.Realize account information in credit card issuer block chain node, receipts single file block chain node and clearing bank's block chain link by alliance's chain
Real-time synchronization between point, ensure issuers server, receive single file server with clearing bank server account information it is consistent
Property.And all account information can be inquired about in respective block chain node due to receiving single file server and clearing bank's server, no
Issuers server is needed to send account information, so as to build the system of account of a decentralization.
Further, account information management method second embodiment of the present invention is proposed.
The difference of the account information management method second embodiment and the account information management method first embodiment
It is, when the transaction request is charging request, with reference to Fig. 4, account information management method further includes：
Step S50, after the issuers server receives charging request, is filled by the issuers server by described
Value request is sent to the credit card issuer block chain node.
After issuers server receives the charging request of user, charging request is sent to hair fastener by issuers server
Row block chain node, charging request is sent in block catenary system, for handling the intelligent contract of charging request from credit card issuer
The charging request is obtained in block chain node.
Step S40 includes：
Step S41, after the intelligent contract receives the charging request that the credit card issuer block chain node is sent,
Determine the corresponding recharge amount of the charging request.
Step S42, the account balance in the account information is changed according to the recharge amount, and will be amended described
Account balance is synchronized in each block chain node of alliance's chain.
After the intelligent contract for handling charging request receives the charging request sent in credit card issuer block chain node, determine
The corresponding recharge amount of the charging request.After recharge amount is determined, the intelligent contract for handling charging request supplements gold with money according to this
Volume changes the account balance in account information, and amended account balance is synchronized to each block chain node in alliance's chain
In, it is to be understood that it is to increase account letter according to recharge amount that the account balance in account information is changed according to recharge amount
Account balance in breath.Such as when the corresponding recharge amount of charging request is 10 Hongkong dollars, then the account balance in account information is increased
Add 10 Hongkong dollars, this Transaction Information can be broadcast to by credit card issuer block chain node receives single file block chain node and clearing bank's block chain link
In point, to realize credit card issuer block chain node, receive account information between single file block chain node and clearing bank's block chain node
It is synchronous.
Further, when the transaction request is asked to withdraw deposit, account information management method further includes：
Step b, after the issuers server, which receives, withdraws deposit request, is carried by the issuers server by described
Now request is sent to the credit card issuer block chain node.
When issuers server receive user withdraw deposit request after, the issuers server request that will withdraw deposit is sent to hair fastener
Row block chain node, the request that will withdraw deposit are sent in block catenary system, for the intelligent contract that fills of request of withdrawing deposit from credit card issuer area
The request of withdrawing deposit is obtained in block chain node.
Step S40 is further included：
Step c, after the intelligent contract receives, and request is withdrawn deposit described in the credit card issuer block chain node transmission, really
The fixed corresponding Withdrawal Amount of request of withdrawing deposit.
Step d, the account balance in the account information is changed according to the Withdrawal Amount, and by the amended account
Family remaining sum is synchronized in each block chain node of alliance's chain.
When processing withdraw deposit request intelligent contract receive sent in credit card issuer block chain node withdraw deposit request after, determine
The corresponding Withdrawal Amount of request of withdrawing deposit.After Withdrawal Amount is determined, the intelligent contract for request of withdrawing deposit is handled according to the gold of withdrawing deposit
Volume changes the account balance in account information, and amended account balance is synchronized to each block chain node in alliance's chain
In, it is to be understood that it is to reduce account letter according to Withdrawal Amount that the account balance in account information is changed according to Withdrawal Amount
Account balance in breath.As being 10 Hongkong dollars when the corresponding Withdrawal Amount of request of withdrawing deposit, then the account balance in account information is subtracted
Small 10 Hongkong dollar, this Transaction Information can be broadcast to by credit card issuer block chain node receives single file block chain node and clearing bank's block chain link
In point, to realize credit card issuer block chain node, receive account information between single file block chain node and clearing bank's block chain node
It is synchronous.
The present embodiment by alliance's chain real-time synchronization credit card issuer block chain node, receives single file block chain after customer consumption
Account information in node and clearing bank's block chain node after customer consumption.
Further, account information management method 3rd embodiment of the present invention is proposed.
The difference of the account information management method 3rd embodiment and the account information management method first embodiment
It is, when the transaction request is cross-border payment request, with reference to Fig. 5, account information management method further includes：
Step S60, after the issuers server receives the cross-border payment request, is serviced by the credit card issuer
The cross-border payment request is sent to the credit card issuer block chain node by device.
After issuers server receives the cross-border payment request of user, issuers server please according to the cross-border payment
One consumer record of structure is sought, and cross-border payment request is sent to credit card issuer block chain node, cross-border payment request is sent out
It is sent in block catenary system, the cross-border branch is obtained from credit card issuer block chain node for the intelligent contract for handling cross-border payment request
Pay request.
Step S40 includes：
Step S43, the cross-border payment that the credit card issuer block chain node transmission is received when the intelligent contract please
After asking, according to RMB exchange rate the corresponding amount of RMB of the cross-border payment request is converted to by the intelligent contract described in
Cross-border payment request corresponds to the foreign currency amount of user the country one belongs to, and the amount of RMB and the foreign currency amount are synchronized to
In each block chain node of alliance's chain.
When the intelligent contract for handling cross-border payment request receives the cross-border payment that is sent in credit card issuer block chain node please
After asking, the intelligent contract for handling cross-border payment request calls the interface for the intelligent contract for handling the exchange rate, from the intelligence of the processing exchange rate
Current RMB exchange rate is obtained in contract.The intelligent contract that cross-border payment request is handled when processing gets current RMB
After the exchange rate, the corresponding amount of RMB of cross-border payment request is converted to by cross-border payment request pair according to current RMB exchange rate
Using the foreign currency amount of family the country one belongs to, the corresponding amount of RMB of cross-border payment request and foreign currency amount are obtained, and by the people
The coin amount of money and foreign currency amount are synchronized in each block chain node of alliance's chain, that is, are synchronized to credit card issuer block chain node, are received list
In row block chain node and clearing bank's block chain node.
The present embodiment handles cross-border payment request by intelligent contract, by the corresponding amount of RMB of cross-border payment request and
Foreign currency amount is synchronized in each block chain node in alliance's chain, to realize real-time synchronization credit card issuer block chain node, receive list
Account information in row block chain node and clearing bank's block chain node after customer consumption.
Further, account information management method fourth embodiment of the present invention is proposed.
The account information management method fourth embodiment and the account information management method first, second or third are real
Applying example, difference lies in account information management method further includes：
Step e, after the block chain node in alliance's chain receives data message, by the block in alliance's chain
Chain node obtains public key information.
Step f, verifies whether the data message is by other blocks in alliance's chain according to the public key information
What chain node was sent.
After the block chain node in alliance's chain receives data message, which can obtain public key information, and
Whether sent by other block chain nodes in alliance's chain according to acquired public key information verification data message, to ensure
The reliability in data message source.
Further, step f includes：
Step f1, the data message of private key signature is verified according to the public key information.
Step f2, if the data message, by verification, it is by its in alliance's chain to confirm the data message
What its block chain node was sent.
Step f3, if the data message authentication failed, it is not by the machine of alliance's chain to confirm the data message
What structure was sent.
Further, verify whether the data message is by other areas in alliance's chain according to the public key information
Block chain node send detailed process be：The data message of private key signature is verified according to public key information.Wherein, data message
It is by private key signature corresponding with public key.If the data signed by the public key information energy good authentication by private key information
Message, then confirm that data message is sent by other block chain nodes in alliance's chain；If failed into by the public key information
Work(is verified the data message of private key information signature, i.e. data message authentication failed, then confirms that data message is not by alliance
What the mechanism in chain was sent.
The present embodiment is receiving number by storing the corresponding public key information of data message signature private key in intelligent contract
After message, verify whether data message is to be sent by the block chain node in alliance's chain by the public key information, to ensure
The reliability in data message source.
Further, the 5th embodiment of account information management method of the present invention is proposed.
The 5th embodiment of account information management method and the account information management method first, second, third or
Difference lies in account information management method further includes fourth embodiment：
Step g, after clearing bank's server corresponding with clearing bank's block chain node receives clearance request, control
Clearing bank's server obtains the account information from clearing bank's block chain node.
Step h, clearance operation is performed according to the acquired account information, is cleared as a result, and by described clear
Calculate row block chain node the clearance result is synchronized in each block chain node of alliance's chain.
After clearing bank's server corresponding with clearing bank block chain node receives clearance request, clearing bank's server from
Clearing bank's block chain node obtains account information, performs clearance operation according to acquired account information, obtains clearance result.When
After clearing bank's server obtains clearance result, clearing bank's block chain node can get the clearance as a result, and by the clearance result
It is synchronized in each block chain node in alliance's chain.
The present embodiment is directly obtained when needing clearance by clearing bank's server from corresponding clearing bank's block chain node
Account balance in account information, performs clearance operation.Due to the account of clearing bank's block chain node and credit card issuer block chain node
Information is real-time synchronization, and therefore, clearing bank's server can be cleared in real time.
In addition, the embodiment of the present invention also proposes a kind of computer-readable recording medium, the computer-readable recording medium
On be stored with account information management program, account as described above is realized when the account information management program is executed by processor
Family approaches to IM.Computer-readable recording medium embodiment of the present invention and each reality of above-mentioned account information management method
It is essentially identical to apply example, details are not described herein.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements not only include those key elements, and
And other elements that are not explicitly listed are further included, or further include as this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there are other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone, computer, far
Journey service managerZ-HU, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made, is directly or indirectly used in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of account information management method, it is characterised in that the account information management method comprises the following steps：
After the registration request of registration virtual account is received by issuers server, the corresponding account of the virtual account is obtained
Family information, and the account information is write in credit card issuer block chain node corresponding with the issuers server；
By operating in the intelligent contract in block catenary system the account information, root are obtained from the credit card issuer block chain node
Virtual account is created according to the account information；
The account information is synchronized to based on peer-to-peer network and is received in single file block chain node and clearing bank's block chain node；
After the intelligent contract receives transaction request, the account is changed according to the transaction request by the intelligent contract
Information, and the amended account information is synchronized in each block chain node of alliance's chain, wherein, alliance's chain bag
Include and receive single file block chain node, clearing bank's block chain node and the credit card issuer block chain node.
2. account information management method as claimed in claim 1, it is characterised in that when the transaction request is charging request
When, it is described after the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the amended account information is synchronized to before the step in each block chain node of alliance's chain, also
Including：
After the issuers server receives charging request, the charging request is sent to by the issuers server
The credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the step that the amended account information is synchronized in each block chain node of alliance's chain includes：
After the intelligent contract receives the charging request that the credit card issuer block chain node is sent, described supplement with money is determined
Ask corresponding recharge amount；
Account balance in the account information is changed according to the recharge amount, and the amended account balance is synchronous
Into each block chain node of alliance's chain.
3. account information management method as claimed in claim 1, it is characterised in that when the transaction request is request of withdrawing deposit
When, it is described after the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the amended account information is synchronized to before the step in each block chain node of alliance's chain, also
Including：
After the issuers server, which receives, withdraws deposit request, the request of withdrawing deposit is sent by the issuers server
To the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the step that the amended account information is synchronized in each block chain node of alliance's chain includes：
After the intelligent contract receives, and request is withdrawn deposit described in the credit card issuer block chain node transmission, described withdraw deposit is determined
Ask corresponding Withdrawal Amount；
Account balance in the account information is changed according to the Withdrawal Amount, and the amended account balance is synchronous
Into each block chain node of alliance's chain.
4. account information management method as claimed in claim 1, it is characterised in that the peer-to-peer network that is based on is by the account
Synchronizing information is further included to after the step received in single file block chain node and clearing bank's block chain node：
After clearing bank's block chain node receives the RMB exchange rate that clearing bank's server is sent, the RMB is converged
Rate is synchronized in each block chain node of alliance's chain.
5. account information management method as claimed in claim 1, it is characterised in that when the transaction request please for cross-border payment
It is described after the intelligent contract receives transaction request when asking, institute is changed according to the transaction request by the intelligent contract
Account information is stated, and the amended account information is synchronized to before the step in each block chain node of alliance's chain,
Further include：
, will be described cross-border by the issuers server after issuers server receives the cross-border payment request
Payment request is sent to the credit card issuer block chain node；
It is described after the intelligent contract receives transaction request, as the intelligent contract according to transaction request modification
Account information, and the step that the amended account information is synchronized in each block chain node of alliance's chain includes：
After the intelligent contract receives the cross-border payment request that the credit card issuer block chain node is sent, by the intelligence
Can contract the corresponding amount of RMB of the cross-border payment request is converted to by the cross-border payment request according to RMB exchange rate
The foreign currency amount of corresponding user the country one belongs to, and the amount of RMB and the foreign currency amount are synchronized to alliance's chain
In each block chain node.
6. account information management method as claimed in claim 1, it is characterised in that the account information management method is also wrapped
Include：
After the block chain node in alliance's chain receives data message, obtained by the block chain node in alliance's chain
Public key information；
Verify whether the data message is to be sent by other block chain nodes in alliance's chain according to the public key information
's.
7. account information management method as claimed in claim 6, it is characterised in that described that institute is verified according to the public key information
State data message whether be by alliance's chain other block chain nodes send the step of include：
The data message of private key signature is verified according to the public key information；
If for the data message by verification, it is by other block chain nodes in alliance's chain to confirm the data message
Send；
If the data message authentication failed, confirming the data message is sent by the mechanism of alliance's chain.
8. such as claim 1 to 7 any one of them account information management method, it is characterised in that the account information management
Method further includes：
After clearing bank's server corresponding with clearing bank's block chain node receives clearance request, the clearing bank is controlled
Server obtains the account information from clearing bank's block chain node；
Clearance operation is performed according to the acquired account information, is cleared as a result, and by clearing bank's block chain
The clearance result is synchronized in each block chain node of alliance's chain by node.
A kind of 9. account information management system, it is characterised in that the account information management system include memory, processor and
The account information management program that can be run on the memory and on the processor is stored in, the account information manages journey
Realized when sequence is performed by the processor such as the step of account information management method described in any item of the claim 1 to 8.
10. a kind of computer-readable recording medium, it is characterised in that account letter is stored with the computer-readable recording medium
Management program is ceased, is realized when the account information management program is executed by processor as described in any item of the claim 1 to 8
The step of account information management method.
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