CN109544335B

CN109544335B - Transaction data processing method, device, equipment and storage medium based on blockchain

Info

Publication number: CN109544335B
Application number: CN201811249168.0A
Authority: CN
Inventors: 陈凯; 莫梁焕
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2018-10-25
Filing date: 2018-10-25
Publication date: 2023-07-07
Anticipated expiration: 2038-10-25
Also published as: CN109544335A

Abstract

The invention discloses a transaction data processing method, device, equipment and storage medium based on a blockchain, which are applied to the technical field of blockchains and are used for solving the problem that fraud risk exists in a second-hand vehicle transaction. The method provided by the invention comprises the following steps: acquiring second-hand vehicle transaction information, and recording the second-hand vehicle transaction information to a blockchain; when a first request for checking the trading information of the second hand vehicle is received, the trading information of the second hand vehicle on the blockchain is called to be checked by a second hand vehicle buyer; if a second request for checking the record information is received, transmitting authorization information to the second-hand vehicle buyer, so that the second-hand vehicle buyer checks the record information of the vehicle to be sold on the blockchain through the authorization information; acquiring a second-hand vehicle buying and selling contract, and recording the second-hand vehicle buying and selling contract to a blockchain; recording the fund escrow information and the vehicle lifting certificate to a blockchain; if the fund deposit information and the vehicle lifting certificate meet the deposit triggering condition, sending a deposit request to a deposit institution; and recording the paying record information to the blockchain.

Description

Transaction data processing method, device, equipment and storage medium based on blockchain

Technical Field

The present invention relates to the field of blockchain technologies, and in particular, to a blockchain-based transaction data processing method, device, equipment, and storage medium.

Background

With the proliferation of the number of domestic vehicles, the second-hand car market is also gradually active. At present, many people choose to purchase a second-hand vehicle, and particularly a family who first purchases a vehicle is more inclined to purchase the second-hand vehicle as a starting vehicle for the family.

However, the existing second-hand car trade market has a large amount of trade mess because the information is not transparent and public enough, such as a middle business earns huge price difference, and a second-hand car buyer buys a high-price second-hand car; or, lawbreakers fraud the second-hand vehicle buyers through means such as information forging, and the like, and the messy images cause a great deal of loss to the second-hand vehicle buyers, which can lead to people losing trust of the second-hand vehicle market and are unfavorable for the healthy development of the second-hand vehicle market.

Therefore, finding a method for ensuring the authenticity and reliability of the second-hand cart transaction process is a urgent problem for those skilled in the art.

Disclosure of Invention

The embodiment of the invention provides a transaction data processing method, a device, computer equipment and a storage medium based on a blockchain, which are used for solving the problem that the fraud risk exists in the second-hand vehicle transaction.

A blockchain-based transaction data processing method, comprising:

acquiring second-hand vehicle transaction information about vehicles to be sold issued by a second-hand vehicle seller, calling an interface of an intelligent contract preset on a blockchain, and recording the second-hand vehicle transaction information to the blockchain, wherein the intelligent contract is established according to consensus pre-achieved by a vehicle management institute and a hosting mechanism;

when a first request of checking the second-hand vehicle transaction information is received by a second-hand vehicle buyer, calling the second-hand vehicle transaction information on the blockchain to the second-hand vehicle buyer for checking;

if a second request of checking the record information of the vehicle to be sold is received by a second-hand vehicle buyer, transmitting authorization information to the second-hand vehicle buyer, and enabling the second-hand vehicle buyer to check the record information of the vehicle to be sold on the blockchain through the authorization information, wherein the record information records all vehicle condition information of the vehicle to be sold from the record in the vehicle management department to date, and the vehicle condition information is updated to the blockchain by the vehicle management department;

acquiring a second-hand vehicle buying and selling contract which is signed by the second-hand vehicle buyer and the second-hand vehicle seller, calling an interface of an intelligent contract preset on the blockchain, and recording the second-hand vehicle buying and selling contract to the blockchain;

Invoking an interface of the intelligent contract, and recording fund hosting information and a vehicle lifting certificate to the blockchain, wherein the fund hosting information is a record that the second-hand vehicle buyer hosts the transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificate is a record that the second-hand vehicle buyer successfully extracts the evidence information of the vehicle to be sold;

if the fund escrow information and the vehicle lifting certificate meet the release triggering conditions of the intelligent contract, a release request is sent to the escrow mechanism;

and calling an interface of the intelligent contract to record the payment record information to the blockchain, wherein the payment record information is a record of the escrow mechanism for issuing the escrow transaction amount to the second-hand vehicle vendor.

A blockchain-based transaction data processing device, comprising:

the transaction information acquisition module is used for acquiring second-hand vehicle transaction information about vehicles to be sold issued by a second-hand vehicle seller, calling an interface of an intelligent contract preset on a blockchain, recording the second-hand vehicle transaction information to the blockchain, and establishing the intelligent contract according to consensus pre-achieved by a vehicle management institute and a hosting mechanism;

The transaction information retrieving module is used for retrieving the second-hand car transaction information on the blockchain to be checked by the second-hand car buyer when a first request for checking the second-hand car transaction information by the second-hand car buyer is received;

the authorization information sending module is used for sending authorization information to the second-hand vehicle buyer when receiving a second request of checking the record information of the vehicle to be sold from the second-hand vehicle buyer, so that the second-hand vehicle buyer checks the record information of the vehicle to be sold on the blockchain through the authorization information, and the record information records all vehicle condition information of the vehicle to be sold from the record in the vehicle management department until now and is updated to the blockchain by the vehicle management department;

the buying and selling contract uplink module is used for acquiring a second-hand vehicle buying and selling contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, calling an interface of an intelligent contract preset on the blockchain and recording the second-hand vehicle buying and selling contract to the blockchain;

the information certificate uplink module is used for calling an interface of the intelligent contract, recording fund hosting information and vehicle lifting certificates to the blockchain, wherein the fund hosting information is a record of the second-hand vehicle buyer hosting the transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificates are the proof information that the second-hand vehicle buyer has successfully extracted the vehicle to be sold;

The money sending module is used for sending a money sending request to the hosting mechanism if the fund hosting information and the vehicle lifting certificate meet the money sending triggering condition of the intelligent contract;

and the payment record uplink module is used for calling an interface of the intelligent contract and recording payment record information to the blockchain, wherein the payment record information is a record for the hosting mechanism to issue the hosted transaction amount to the second-hand vehicle vendor.

A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the blockchain-based transaction data processing method described above when the computer program is executed.

A computer readable storage medium storing a computer program which when executed by a processor performs the steps of the blockchain-based transaction data processing method described above.

The transaction data processing method, the device, the computer equipment and the storage medium based on the blockchain firstly acquire the second-hand vehicle transaction information about the vehicle to be sold issued by a second-hand vehicle seller, call an interface of an intelligent contract preset on the blockchain, record the second-hand vehicle transaction information to the blockchain, and establish the intelligent contract according to the consensus pre-achieved by a vehicle management institute and a hosting mechanism; when a first request of checking the second-hand vehicle transaction information is received by a second-hand vehicle buyer, calling the second-hand vehicle transaction information on the blockchain to the second-hand vehicle buyer for checking; if a second request of checking the record information of the vehicle to be sold is received by a second-hand vehicle buyer, transmitting authorization information to the second-hand vehicle buyer, and enabling the second-hand vehicle buyer to check the record information of the vehicle to be sold on the blockchain through the authorization information, wherein the record information records all vehicle condition information of the vehicle to be sold from the record in the vehicle management department to date, and the vehicle condition information is updated to the blockchain by the vehicle management department; then, acquiring a second-hand vehicle buying and selling contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, calling an interface of an intelligent contract preset on the blockchain, and recording the second-hand vehicle buying and selling contract to the blockchain; then, calling an interface of the intelligent contract, and recording fund hosting information and a vehicle lifting certificate to the blockchain, wherein the fund hosting information is a record that the second-hand vehicle buyer hosts the transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificate is a record that the second-hand vehicle buyer successfully extracts the vehicle to be sold; if the fund escrow information and the vehicle lifting certificate meet the release triggering conditions of the intelligent contract, a release request is sent to the escrow mechanism; and finally, calling an interface of the intelligent contract, and recording the paying record information to the blockchain, wherein the paying record information is a record that the hosting mechanism distributes the transaction amount to the second-hand vehicle vendor. Therefore, after consensus among multiple parties such as a vehicle management institute, a hosting organization and the like is achieved in advance based on the blockchain technology, intelligent contracts are set on the blockchain, the whole flow of the second-hand vehicle transaction is managed through the intelligent contracts on the blockchain, the authenticity and traceability of the whole flow data are ensured by utilizing the blockchain technology, the authenticity of the second-hand vehicle transaction is improved, and the fraud risk of the second-hand vehicle transaction is reduced.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments of the present invention will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an application environment of a blockchain-based transaction data processing method according to an embodiment of the invention;

FIG. 2 is a flow chart of a blockchain-based transaction data processing method in accordance with an embodiment of the present invention;

FIG. 3 is a schematic flow chart of a blockchain-based transaction data processing method for acquiring and packaging temporary keys in an application scenario according to an embodiment of the present invention;

FIG. 4 is a flowchart of a blockchain-based transaction data processing method for authenticating a second-hand vehicle purchaser in an application scenario according to an embodiment of the present invention;

FIG. 5 is a flowchart of a blockchain-based transaction data processing method for authenticating a second-hand vehicle vendor in an application scenario according to an embodiment of the present invention;

FIG. 6 is a flowchart of a blockchain-based transaction data processing method according to an embodiment of the present invention, in which whether a request for a host amount and a request for a vehicle pick-up meet a condition is determined in an application scenario;

FIG. 7 is a block chain based transaction data processing device according to one embodiment of the present invention;

FIG. 8 is a schematic diagram of a computer device in accordance with an embodiment of the invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

The transaction data processing method based on the blockchain can be applied to an application environment as shown in fig. 1, wherein a client communicates with a server through a network. The client may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices. The server may be implemented as a stand-alone server or as a server cluster composed of a plurality of servers.

In one embodiment, as shown in fig. 2, a transaction data processing method based on a blockchain is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:

101. acquiring second-hand vehicle transaction information about vehicles to be sold issued by a second-hand vehicle seller, calling an interface of an intelligent contract preset on a blockchain, and recording the second-hand vehicle transaction information to the blockchain, wherein the intelligent contract is established according to consensus pre-achieved by a vehicle management institute and a hosting mechanism;

in this embodiment, when the second-hand vehicle vendor wants to sell its own vehicle, the second-hand vehicle transaction information about the vehicle for sale may be issued, and after the server acquires the second-hand vehicle transaction information, the server may invoke an interface of an intelligent contract preset on the blockchain to record the second-hand vehicle transaction information to the blockchain. The second-hand vehicle transaction information can specifically comprise information such as the type of the vehicle to be sold, the selling price, the place of a card, the service life and the like.

It can be appreciated that in this embodiment, after the second-hand vehicle transaction information is recorded onto the blockchain, the second-hand vehicle transaction information can be prevented from being tampered based on the unalterability of the blockchain, so as to provide a guarantee for the authenticity of the second-hand vehicle transaction information, and similarly, the contract or information is recorded onto the blockchain in the subsequent steps for the same reason. The blockchain in this embodiment may employ a blockchain structure of Hyperledger Fabri (an open-source blockchain framework), which Hyperledger Fabri may serve as a basis for developing blockchain applications for modular architectures, facilitating plug-and-play by components such as consensus and membership services, and using container technology to host intelligent contracts that make up system application logic. Based on Hyperledger Fabri consensus mechanisms, the consensus of each participant in the second-hand vehicle transaction can be built in advance, and intelligent contracts can be deployed based on the consensus of each participant. It is known that in a certain application scenario, each party to a second-hand vehicle transaction may include at least a vehicle management institute and a hosting facility.

It should be noted that, the smart contracts on the blockchain are a set of digitally defined commitments (promisses), including agreements on which the contract participants can execute the commitments, and are automated script codes that are automatically executed on the blockchain to satisfy the trigger conditions. In this embodiment, the Golang language may be used to develop an intelligent contract, and the second-hand vehicle vendor and the second-hand vehicle buyer may use an operation interface of an application program, and when the operation interface needs to be queried or data on a blockchain needs to be written, the application program may call the interface of the intelligent contract to complete querying and reading and writing of the data on the blockchain.

In this embodiment, an application program capable of providing an operation interface for a second-hand vehicle buyer and a second-hand vehicle seller may be developed using a Java SDK (software development kit), and may be communicatively connected to the server via a network. In step 101, the second-hand vehicle vendor can upload the second-hand vehicle transaction information to the server using the application.

In this embodiment, the escrow facility may be specifically configured by vehicle management, or may be configured by a designated transaction platform or financial institution.

102. When a first request of checking the second-hand vehicle transaction information is received by a second-hand vehicle buyer, calling the second-hand vehicle transaction information on the blockchain to the second-hand vehicle buyer for checking;

it will be appreciated that after the second hand vehicle transaction information is published on the blockchain, the interested second hand vehicle buyers can obtain and view the second hand vehicle transaction information from the blockchain. Specifically, the second-hand vehicle buyer initiates a first request to the server to request to check certain second-hand vehicle transaction information, and after the server receives the first request, the second-hand vehicle transaction information on the blockchain can be called to the second-hand vehicle buyer to check.

103. If a second request of checking the record information of the vehicle to be sold is received by a second-hand vehicle buyer, transmitting authorization information to the second-hand vehicle buyer, and enabling the second-hand vehicle buyer to check the record information of the vehicle to be sold on the blockchain through the authorization information, wherein the record information records all vehicle condition information of the vehicle to be sold from the record in the vehicle management department to date, and the vehicle condition information is updated to the blockchain by the vehicle management department;

after the second-hand vehicle buyer views the second-hand vehicle transaction information, if the second-hand vehicle buyer is interested in the vehicle for sale, it may send a second request to the server requesting to view the record information of the vehicle for sale. Wherein the record information records all vehicle condition information of the vehicle for sale from the record in the vehicle management department to date, and is updated to the blockchain by the vehicle management department. After receiving the second request, the server may send authorization information to the second-hand vehicle buyer, so that the second-hand vehicle buyer may view the record information of the vehicle for sale on the blockchain through the authorization information. It can be understood that in order to prevent lawbreakers from stealing the record information of the vehicle for sale, anyone needs to acquire the authorization information provided by the server when looking up the record information, and can check the record information after authorization, so that the information security of the vehicle for sale and the second-hand vehicle vendor is improved.

Further, the authorization information includes a temporary key, the record information is encrypted before the vehicle management station updates the record information onto the blockchain, and the temporary key can be used for decrypting the record information. As shown in fig. 3, the method may further comprise, prior to transmitting the authorization information to the second-hand vehicle purchaser:

201. requesting the vehicle management to acquire the current temporary key of the record information;

202. and receiving the temporary key fed back by the vehicle management, and packaging the temporary key into the authorization information.

With respect to the above step 201, it may be understood that, after receiving the second request, the server may obtain, from the vehicle management request, the current temporary key of the record information, where the temporary key is used to unlock the record information, and the unlocked record information may be checked. The temporary key is temporary, the validity period of the temporary key is usually set to be short, for example, the temporary key can be 5 minutes, after 5 minutes, the temporary key is invalid, and the invalid temporary key cannot be used for unlocking the record information.

For the above step 202, the vehicle management station provides the server with the temporary key of the record information, and then the server may receive the temporary key fed back by the vehicle management station, package the temporary key into the authorization information, and provide the authorization information to the second-hand vehicle buyer.

Further, in this embodiment, when the second-hand vehicle vendor first purchases the vehicle for sale and records in the vehicle management station, the internet of things chip may be embedded in the vehicle for sale, and the internet of things chip may record information such as the service life, the driving mileage, the maintenance status of the vehicle for sale, and update the information to the system of the vehicle management station in real time. Therefore, the record information can be used for recording all important information of the vehicle for sale, and a second-hand vehicle buyer can comprehensively know the vehicle for sale through the record information, so that the disclosure and transparency of the transaction information of the second-hand vehicle are facilitated. In addition, the record information in the embodiment has good authority through the management of the vehicle management institute, and the authenticity of the record information is further ensured.

104. Acquiring a second-hand vehicle buying and selling contract which is signed by the second-hand vehicle buyer and the second-hand vehicle seller, calling an interface of an intelligent contract preset on the blockchain, and recording the second-hand vehicle buying and selling contract to the blockchain;

it can be understood that after the second-hand vehicle buyer checks the record information of the vehicle for sale, if the second-hand vehicle buyer wants to purchase the vehicle for sale, the second-hand vehicle buyer can communicate with the second-hand vehicle seller through the application program, and after the two buys together, the second-hand vehicle buyer can conduct the second-hand vehicle buyer transaction, so as to sign the second-hand vehicle buyer contract. Specifically, the second-hand vehicle sales contract may be generated by a format contract provided by the application, and the second-hand vehicle purchaser and the second-hand vehicle seller may complete the signing of the second-hand vehicle sales contract directly on the application. The second-hand vehicle purchase and sale contract is known as an electronic contract. After signing, the application program can upload the second-hand vehicle buying and selling contract to the server, and the server can call an interface of an intelligent contract preset on the blockchain to record the second-hand vehicle buying and selling contract to the blockchain.

Further, the second-hand vehicle purchase and sale contract includes a first electronic signature of the second-hand vehicle buyer, a first face picture of the second-hand vehicle buyer and a personal voice acquired when the second-hand vehicle purchase and sale contract is signed, as shown in fig. 4, before invoking the interface of the intelligent contract preset on the blockchain to record the second-hand vehicle purchase and sale contract to the blockchain, the method may further include:

301. performing character recognition on the first electronic signature to obtain a first text;

302. comparing the first text with the name of the second-hand vehicle buyer to obtain a first comparison result;

303. extracting first face features on the first face picture;

304. comparing the extracted first face features with reserved face features of the second-hand vehicle buyer to obtain a second comparison result;

305. extracting a personal voiceprint in the personal voice;

306. comparing the extracted individual voiceprint with the reserved voiceprint of the second-hand vehicle buyer to obtain a third comparison result;

307. and if the first comparison result, the second comparison result and the third comparison result are consistent in comparison, executing the step of calling an interface of an intelligent contract preset on the blockchain and recording the second-hand vehicle buying and selling contract to the blockchain.

For step 301, it may be understood that, when the second-hand vehicle buyer signs the second-hand vehicle purchase and sale contract, the second-hand vehicle buyer signs the electronic signature, i.e. the first electronic signature, and the server may obtain the first text by performing text recognition on the first electronic signature.

For step 302, it can be understood that, if the first electronic signature is signed by the second-hand vehicle buyer, the name of the first text naturally matches the name of the second-hand vehicle buyer, and the first comparison result is obtained by comparing the first text with the name of the second-hand vehicle buyer.

For step 303, in this embodiment, a first face picture of the second-hand vehicle buyer that needs to be acquired when signing the second-hand vehicle buying and selling contract is submitted to a server. After the server acquires the first face picture, the first face feature on the first face picture can be extracted.

For step 304, the second-hand vehicle buyer may reserve his face feature on the server, for example, when the second-hand vehicle buyer registers his account in the application program, the server may request the second-hand vehicle buyer to perform real-name verification through the application program, and in the real-name verification process, the second-hand vehicle buyer needs to upload a self-shot photo of his own, so that the server may extract the face feature of the second-hand vehicle buyer from the self-shot photo as the reserved face feature. When executing step 304, the server may compare the first face feature extracted in step 303 with the reserved face feature of the second-hand vehicle buyer, to obtain a second comparison result. It can be seen that, when the second comparison result is consistent, it indicates that the person who signs the second-hand vehicle buying and selling contract is the second-hand vehicle buyer, otherwise, it indicates that the person who signs the second-hand vehicle buying and selling contract is not the second-hand vehicle buyer, and there is a fraud risk.

For step 305, in this embodiment, the personal voices of the second-hand vehicle buyer that need to be collected when signing the second-hand vehicle buying and selling contract, for example, the server may query the second-hand vehicle buyer "please ask for the second-hand vehicle buyer" whether or not, and after the second-hand vehicle buyer replies with the voices, the application may collect the personal voices. The personal voice is then submitted to the server. After the server acquires the personal voice, the voice print in the personal voice, namely the personal voice print, can be extracted.

For step 306, the same as step 304, the second-hand vehicle buyer may reserve its voiceprint on the server, for example, when the second-hand vehicle buyer registers its account in the application program, the server may request the second-hand vehicle buyer to perform real-name verification through the application program, and in the real-name verification process, the second-hand vehicle buyer needs to upload his voice, so that the server may extract the voiceprint of the second-hand vehicle buyer from the uploaded voice as the reserved voiceprint. When executing step 306, the server may compare the personal voiceprint extracted in step 305 with the reserved voiceprint of the second-hand vehicle buyer, to obtain a third comparison result. It can be seen that, when the third comparison result is consistent, it indicates that the person who signs the second-hand vehicle buying and selling contract is the second-hand vehicle buyer, otherwise, it indicates that the person who signs the second-hand vehicle buying and selling contract is not the second-hand vehicle buyer, and there is a fraud risk.

For step 307, when the first comparison result, the second comparison result and the third comparison result are all consistent in comparison, the identity of the second-hand vehicle buyer can be considered to be true, so that the server can determine that the identity verification of the second-hand vehicle buyer passes, and the server can execute the step of calling the interface of the preset intelligent contract on the blockchain to record the second-hand vehicle buying and selling contract to the blockchain. Otherwise, if any one of the first comparison result, the second comparison result and the third comparison result is inconsistent in comparison, it can be determined that the identity verification of the second-hand vehicle buyer is not passed.

It can be seen that, in the steps 301-307, whether the person who signs the second-hand vehicle buying and selling contract is the second-hand vehicle buyer is comprehensively judged through the three elements of the electronic signature, the face feature and the voiceprint, and only when the comparison results of the three elements are consistent, that is, the three elements are verified, the identity of the second-hand vehicle buyer who signs the second-hand vehicle buying and selling contract is considered to be true, so that the difficulty of falsely forging the second-hand vehicle buying and selling contract is greatly increased, and the authenticity of the second-hand vehicle buying and selling contract is improved.

Further, the second-hand vehicle buying and selling contract may further include a second electronic signature and a second face picture of the second-hand vehicle seller, and the server may perform identity verification on the second-hand vehicle seller according to the second electronic signature and the second face picture, and if the identity verification passes, the identity authenticity of the second-hand vehicle seller may be considered to be confirmed. To this end, as shown in fig. 5, the method may further comprise, prior to step 307:

401. performing character recognition on the second electronic signature to obtain a second text;

402. comparing the second text with the names of the owners of the vehicles to be sold registered in the vehicle management institute to obtain a fourth comparison result;

403. extracting second face features on the second face picture;

404. comparing the extracted second face features with the face features reserved in the vehicle management institute by the owners of the vehicles to be sold to obtain a fifth comparison result;

405. if the fourth comparison result and the fifth comparison result are the same, step 307 is executed.

For the above step 401, it may be understood that the second-hand vehicle seller signs its own electronic signature, that is, the second electronic signature, on the second-hand vehicle purchase and sale contract while signing the second-hand vehicle purchase and sale contract, and the server may obtain the second text by performing text recognition on the second electronic signature.

For the above step 402, it may be understood that, if the second electronic signature is signed by the second-hand vehicle vendor, the name of the second text is naturally consistent with the name of the vehicle owner registered by the vehicle for sale in the vehicle management institute, and the fourth comparison result is obtained by comparing the second text with the name of the vehicle owner.

For the step 403, in this embodiment, a second face picture of the second-hand vehicle vendor that needs to be acquired when the second-hand vehicle purchase and sale contract is signed is submitted to the server. After the server obtains the second face picture, the second face feature on the second face picture can be extracted.

For the above step 404, it may be understood that, when the owner of the vehicle for sale registers the vehicle in the vehicle management, the vehicle management may require the owner to perform real-name verification, and in the real-name verification process, a face picture of the owner needs to be acquired, so that the server may extract the face feature of the owner from the face picture as the reserved face feature. When executing step 404, the server may compare the second face feature extracted in step 403 with the reserved face feature of the owner of the vehicle for sale, to obtain a fifth comparison result. It can be seen that, when the fifth comparison result is consistent, it indicates that the second-hand vehicle seller signing the second-hand vehicle sale contract is the owner of the vehicle for sale, otherwise, it indicates that the second-hand vehicle seller signing the second-hand vehicle sale contract is not the owner of the vehicle for sale, and there is a fraud risk.

For the above step 405, when the fourth comparison result and the fifth comparison result are both consistent, the identity of the second-hand vehicle vendor may be considered to be true, and the owner of the vehicle for sale, so the server may determine that the identity of the second-hand vehicle vendor passes, thereby performing the above step 307. Otherwise, if the fourth comparison result or the fifth comparison result is inconsistent, it is determined that the identity verification of the second-hand vehicle vendor is not passed, and the step 307 is not executable.

105. Invoking an interface of the intelligent contract, and recording fund hosting information and a vehicle lifting certificate to the blockchain, wherein the fund hosting information is a record that the second-hand vehicle buyer hosts the transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificate is a record that the second-hand vehicle buyer successfully extracts the evidence information of the vehicle to be sold;

in this embodiment, after the second-hand vehicle buyer and the second-hand vehicle seller sign the second-hand vehicle buying and selling contract, the second-hand vehicle buyer needs to pay the transaction amount first, and in order to ensure the safety of the transaction amount, the second-hand vehicle buyer can host the transaction amount into the host mechanism through the application program, so as to generate the fund hosting information. The fund escrow information is a record of the second-hand vehicle buyer escrow the transaction amount agreed by the second-hand vehicle buying and selling contract to the escrow mechanism.

And then, the server can forward the fund escrow information to a second-hand vehicle seller, the second-hand vehicle seller can know that the second-hand vehicle buyer is paid after receiving the fund escrow information, the second-hand vehicle seller can purchase and lift the second-hand vehicle buyer, after lifting the second-hand vehicle, both sides can determine that the lifting of the second-hand vehicle is completed through an application program, and the application program generates a corresponding vehicle lifting certificate so as to prove that the second-hand vehicle buyer successfully extracts the vehicle for sale.

Therefore, after the server acquires the fund deposit information and the vehicle lifting certificate, the server can call the interface of the intelligent contract to record the fund deposit information and the vehicle lifting certificate to the blockchain respectively, and of course, the fund deposit information and the vehicle lifting certificate can also be recorded to the blockchain simultaneously.

106. If the fund escrow information and the vehicle lifting certificate meet the release triggering conditions of the intelligent contract, a release request is sent to the escrow mechanism;

after uploading the fund deposit information and the vehicle lifting certificate to a blockchain, the server can detect whether the fund deposit information and the vehicle lifting certificate meet the release triggering condition of the intelligent contract, and if so, the server sends a release request to the deposit institution. It will be appreciated that the payout triggering condition may be preset in an intelligent contract, and the specific content of the payout triggering condition is mainly agreed and set by each transaction party, which is not specifically limited in this embodiment.

In order to further ensure the safety of the second-hand vehicle transaction, the risk of the second-hand vehicle transaction can be controlled by setting the cash discharge triggering condition, so that the safety of the second-hand vehicle transaction is improved. Further, as shown in fig. 6, before step 106, the method may further include:

501. acquiring the amount of money hosted in the fund hosting information;

502. judging whether the amount of money hosted in the fund hosting information is equal to the transaction amount agreed by the second-hand vehicle buying and selling contract or not, and obtaining a first judgment result;

503. extracting a refund signature on the pick-up certificate;

504. judging whether the signature of the person who drops money is consistent with the reserved signature of the second-hand vehicle buyer or not, and obtaining a second judging result;

505. if the first judgment result and the second judgment result are both yes, determining that the fund escrow information and the vehicle lifting certificate meet the release triggering condition of the intelligent contract;

506. and if the first judging result or the second judging result is negative, determining that the fund escrow information and the vehicle lifting certificate do not meet the release triggering condition of the intelligent contract.

For the above step 501, it may be understood that the funds escrow information generated by the second-hand vehicle buyer escrow funds with the escrow organization necessarily includes the escrow amount, that is, how much money the second-hand vehicle buyer esces on the escrow organization, from which the server may obtain the escrow amount.

For the above step 502, in the normal second-hand cart transaction process, the escrow amount should be equal to the transaction amount agreed in the second-hand cart transaction contract, so, in order to know whether the escrow amount is sufficient, the server may determine whether the escrow amount in the fund escrow information is equal to the transaction amount agreed in the second-hand cart transaction contract, and obtain the first determination result. It is known that if the first determination result is yes, the amount of money for escrow is sufficient; otherwise, if the first judgment result is negative, the amount of the escrow is insufficient.

For step 503, the pick-up should typically be completed by the second-hand vehicle purchaser himself and signed at the payor of the pick-up voucher to indicate that the second-hand vehicle purchaser pick-up was successful. Thus, the server may extract the payor signature on the pick-up certificate.

For step 504, in the picking link of the normal second-hand vehicle transaction, the signature of the person who receives the picking certificate should be consistent with the signature of the second-hand vehicle buyer, so the server can determine whether the signature of the person who receives the picking certificate is consistent with the reserved signature of the second-hand vehicle buyer, thereby determining whether the person who receives the picking certificate is the second-hand vehicle buyer. The server obtains a second judgment result after judging, and if the second judgment result is yes, the server indicates that the person who carries the vehicle is the second-hand vehicle buyer; otherwise, if the second judgment result is negative, the fact that the person who carries the vehicle is not the second-hand vehicle buyer is indicated, and the fraud risk exists.

For step 505 and step 506, it is known from the above that when the first determination result and the second determination result are both yes, the deposit amount is considered to be sufficient and the vehicle lifting certificate is true, so the server may determine that the funds deposit information and the vehicle lifting certificate satisfy the payment triggering condition of the intelligent contract. Otherwise, when the first judgment result or the second judgment result is negative, the deposit amount is insufficient or the vehicle lifting certificate is not authentic, so that the server can determine that the fund deposit information and the vehicle lifting certificate do not meet the release triggering condition of the intelligent contract.

107. And calling an interface of the intelligent contract to record the payment record information to the blockchain, wherein the payment record information is a record of the escrow mechanism for issuing the escrow transaction amount to the second-hand vehicle vendor.

It will be appreciated that after the escrow facility receives the request for the release, the escrow facility will typically issue the transaction amount escrow to the second-hand vehicle vendor, at which point the release will result in the release record information. Specifically, the payment record information may include information of a payment party, a collection party, a payment amount, a payment date, and the like. After the record information is generated, the server can call the interface of the intelligent contract to record the record information to the blockchain.

Further, in order to improve the supervision of the second-hand cart transaction and further improve the security of the transaction, the method may further include:

and authorizing the supervision organization to check the second-hand vehicle transaction information, the record information, the second-hand vehicle purchase and sale contract, the fund escrow information, the vehicle lifting certificate and the money release record information on the blockchain through a preset channel on the blockchain. It can be appreciated that in this embodiment, the supervisory authority can authorize to view the transaction data on the blockchain through the preset channel, so that the data authenticity and validity of the second-hand vehicle transaction process are ensured to a certain extent. If the regulatory body checks to find that some transaction data on the blockchain is false, the responsibility of the responsible party can be pursued according to the contract of the intelligent contract.

It should be noted that, a channel may be set on the blockchain, for example, a blockchain with Hyperledger fabric as a frame may be set on the blockchain, different nodes on different channels only can view transaction data on the current channel, and different nodes on different channels only need to maintain account book information of the blockchain added by the channel, but cannot sense existence of other channels, so that basic requirements of different transaction parties accessing different data under different service scenes can be met, isolation of multiple services and multiple data is realized, and access of nodes of an irrelevant mechanism to data is avoided. In this embodiment, a channel may be preset on the blockchain, where the channel may include the supervisory mechanism, the vehicle management station, and the host mechanism, so that a transaction party on the channel may view data on the blockchain, such as the second-hand vehicle transaction information, the record information, the second-hand vehicle purchase and sale contract, the fund host information, the vehicle lifting certificate, and the payment record information, in an authorized manner.

In the embodiment of the invention, first, second-hand vehicle transaction information about a vehicle to be sold issued by a second-hand vehicle seller is acquired, an interface of an intelligent contract preset on a blockchain is called, the second-hand vehicle transaction information is recorded to the blockchain, and the intelligent contract is established according to consensus pre-achieved by a vehicle management institute and a hosting mechanism; when a first request of checking the second-hand vehicle transaction information is received by a second-hand vehicle buyer, calling the second-hand vehicle transaction information on the blockchain to the second-hand vehicle buyer for checking; if a second request of checking the record information of the vehicle to be sold is received by a second-hand vehicle buyer, transmitting authorization information to the second-hand vehicle buyer, and enabling the second-hand vehicle buyer to check the record information of the vehicle to be sold on the blockchain through the authorization information, wherein the record information records all vehicle condition information of the vehicle to be sold from the record in the vehicle management department to date, and the vehicle condition information is updated to the blockchain by the vehicle management department; then, acquiring a second-hand vehicle buying and selling contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, calling an interface of an intelligent contract preset on the blockchain, and recording the second-hand vehicle buying and selling contract to the blockchain; then, calling an interface of the intelligent contract, and recording fund hosting information and a vehicle lifting certificate to the blockchain, wherein the fund hosting information is a record that the second-hand vehicle buyer hosts the transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificate is a record that the second-hand vehicle buyer successfully extracts the vehicle to be sold; if the fund escrow information and the vehicle lifting certificate meet the release triggering conditions of the intelligent contract, a release request is sent to the escrow mechanism; and finally, calling an interface of the intelligent contract, and recording the paying record information to the blockchain, wherein the paying record information is a record that the hosting mechanism distributes the transaction amount to the second-hand vehicle vendor. Therefore, after consensus among multiple parties such as a vehicle management institute, a hosting organization and the like is achieved in advance based on the blockchain technology, intelligent contracts are set on the blockchain, the whole flow of the second-hand vehicle transaction is managed through the intelligent contracts on the blockchain, the authenticity and traceability of the whole flow data are ensured by utilizing the blockchain technology, the authenticity of the second-hand vehicle transaction is improved, and the fraud risk of the second-hand vehicle transaction is reduced.

It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.

In one embodiment, a blockchain-based transaction data processing device is provided, where the blockchain-based transaction data processing device corresponds to the blockchain-based transaction data processing method in the above embodiment one by one. As shown in fig. 7, the blockchain-based transaction data processing device includes a transaction information acquisition module 601, a transaction information retrieval module 602, an authorization information sending module 603, a buyer and seller linking module 604, an information credential linking module 605, a payment request sending module 606 and a payment record linking module 607. The functional modules are described in detail as follows:

the transaction information acquisition module 601 is configured to acquire second-hand vehicle transaction information about a vehicle for sale issued by a second-hand vehicle vendor, invoke an interface of an intelligent contract preset on a blockchain, and record the second-hand vehicle transaction information to the blockchain, wherein the intelligent contract is established according to a consensus pre-achieved by a vehicle management institute and a hosting mechanism;

A transaction information retrieving module 602, configured to, when receiving a first request from a second-hand vehicle buyer to view second-hand vehicle transaction information, retrieve the second-hand vehicle transaction information on the blockchain to the second-hand vehicle buyer for viewing;

an authorization information sending module 603, configured to send authorization information to a second-hand vehicle buyer when receiving a second request for the second-hand vehicle buyer to view the record information of the vehicle for sale, where the record information records all vehicle condition information of the vehicle for sale from record in the vehicle management department to date, and is updated to the blockchain by the vehicle management;

a trading and uplink module 604, configured to obtain a second-hand vehicle trading contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, and invoke an interface of an intelligent contract preset on the blockchain to record the second-hand vehicle trading contract to the blockchain;

an information certificate uplink module 605, configured to invoke an interface of the intelligent contract, record funds hosting information and a vehicle lifting certificate to the blockchain, where the funds hosting information is a record that the second-hand vehicle buyer hosts a transaction amount agreed by the second-hand vehicle buying and selling contract to the hosting mechanism, and the vehicle lifting certificate is a proof information that the second-hand vehicle buyer has successfully extracted the vehicle for sale;

A cash request sending module 606, configured to send a cash request to the hosting mechanism if the fund hosting information and the vehicle lifting certificate meet a cash triggering condition of the intelligent contract;

the payoff record uplink module 607 is configured to invoke an interface of the intelligent contract to record payoff record information to the blockchain, where the payoff record information is a record that the escrow mechanism issues the transaction amount to the second-hand vehicle vendor.

Further, the record information is encrypted, and the authorization information comprises a temporary key, wherein the temporary key is used for decrypting the record information;

the blockchain-based transaction data processing device may further include:

the temporary key request module is used for acquiring the current temporary key of the record information from the vehicle management request;

and the temporary key packaging module is used for receiving the temporary key fed back by the vehicle management and packaging the temporary key into the authorization information.

Further, the second-hand vehicle buying and selling contract includes a first electronic signature of the second-hand vehicle buyer, a first face picture of the second-hand vehicle buyer, and a personal voice acquired at the time of signing the second-hand vehicle buying and selling contract, and the blockchain-based transaction data processing device may further include:

The first text recognition module is used for recognizing the text of the first electronic signature to obtain a first text;

the first comparison module is used for comparing the first text with the name of the second-hand vehicle buyer to obtain a first comparison result;

the first feature extraction module is used for extracting first face features on the first face picture;

the second comparison module is used for comparing the extracted first face features with reserved face features of the second-hand vehicle buyer to obtain a second comparison result;

the voiceprint extraction module is used for extracting the personal voiceprints in the personal voice;

the third comparison module is used for comparing the extracted personal voiceprint with the reserved voiceprint of the second-hand vehicle buyer to obtain a third comparison result;

and the first triggering module is used for triggering the trading and uploading module to record the second-hand vehicle trading contract to the blockchain if the first comparison result, the second comparison result and the third comparison result are consistent in comparison.

Further, the second-hand vehicle purchase and sale contract further includes a second electronic signature and a second face picture of the second-hand vehicle vendor, and the blockchain-based transaction data processing device may further include:

The second text recognition module is used for performing text recognition on the second electronic signature to obtain a second text;

the fourth comparison module is used for comparing the second text with the names of the owners registered in the vehicle management institute of the vehicles to be sold to obtain a fourth comparison result;

the second feature extraction module is used for extracting second face features on the second face picture;

the fifth comparison module is used for comparing the extracted second face features with the face features reserved in the vehicle management institute by the vehicle owners of the vehicles to be sold to obtain a fifth comparison result;

and the second triggering module is used for triggering the first triggering module if the fourth comparison result and the fifth comparison result are consistent in comparison.

Further, the blockchain-based transaction data processing device may further include:

a deposit amount obtaining module, configured to obtain an amount of deposit in the fund deposit information;

the deposit amount judging module is used for judging whether the deposit amount in the fund deposit information is equal to the transaction amount agreed by the second-hand vehicle buying and selling contract or not, and obtaining a first judging result;

the signature extraction module is used for extracting the signature of the person who pays the car on the car-lifting certificate;

The signature judging module is used for judging whether the signature of the person who drops the money is consistent with the reserved signature of the second-hand car buyer or not, and obtaining a second judging result;

the first determining module is used for determining that the fund deposit information and the vehicle lifting certificate meet the release triggering condition of the intelligent contract if the first judging result and the second judging result are both yes;

and the second determining module is used for determining that the fund deposit information and the vehicle lifting certificate do not meet the release triggering condition of the intelligent contract if the first judging result or the second judging result is negative.

For specific limitations on the blockchain-based transaction data processing device, reference may be made to the above limitations on the blockchain-based transaction data processing method, and no further description is given here. The various modules in the blockchain-based transaction data processing device described above may be implemented in whole or in part in software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 8. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used to store data involved in the blockchain-based transaction data processing method. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a blockchain-based transaction data processing method.

In one embodiment, a computer device is provided that includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the steps of the blockchain-based transaction data processing method of the above embodiments, such as steps 101 through 107 shown in fig. 2. Alternatively, the processor, when executing the computer program, performs the functions of the modules/units of the blockchain-based transaction data processing device in the above embodiments, such as the functions of modules 601 to 607 shown in fig. 7. In order to avoid repetition, a description thereof is omitted.

In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, which when executed by a processor, implements the steps of the blockchain-based transaction data processing method of the above embodiment, such as steps 101 through 107 shown in fig. 2. Alternatively, the computer program when executed by the processor performs the functions of the modules/units of the blockchain-based transaction data processing device in the above embodiments, such as the functions of modules 601 through 607 shown in fig. 7. In order to avoid repetition, a description thereof is omitted.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the various embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional units and modules is illustrated, and in practical application, the above-described functional distribution may be performed by different functional units and modules according to needs, i.e. the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-described functions.

The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.

Claims

1. A blockchain-based transaction data processing method, comprising:

acquiring a second-hand vehicle buying and selling contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, wherein the second-hand vehicle buying and selling contract comprises a first electronic signature of the second-hand vehicle buyer, a first face picture and a personal voice of the second-hand vehicle buyer, which are acquired when the second-hand vehicle buying and selling contract is signed, and the second-hand vehicle buying and selling contract also comprises a second electronic signature and a second face picture of the second-hand vehicle seller;

performing character recognition on the first electronic signature to obtain a first text;

comparing the first text with the name of the second-hand vehicle buyer to obtain a first comparison result;

Extracting first face features on the first face picture;

comparing the extracted first face features with reserved face features of the second-hand vehicle buyer to obtain a second comparison result;

extracting a personal voiceprint in the personal voice;

comparing the extracted individual voiceprint with the reserved voiceprint of the second-hand vehicle buyer to obtain a third comparison result;

if the first comparison result, the second comparison result and the third comparison result are consistent in comparison, executing the step of calling an interface of an intelligent contract preset on the blockchain and recording the second-hand vehicle buying and selling contract to the blockchain;

performing character recognition on the second electronic signature to obtain a second text;

comparing the second text with the names of the owners of the vehicles to be sold registered in the vehicle management institute to obtain a fourth comparison result;

extracting second face features on the second face picture;

comparing the extracted second face features with the face features reserved in the vehicle management institute by the owners of the vehicles to be sold to obtain a fifth comparison result;

if the fourth comparison result and the fifth comparison result are consistent in comparison, executing the step of calling an interface of an intelligent contract preset on the blockchain and recording the second-hand vehicle buying and selling contract to the blockchain;

2. The blockchain-based transaction data processing method of claim 1, wherein the docket information is encrypted, the authorization information includes a temporary key, and the temporary key is used for decrypting the docket information;

the blockchain-based transaction data processing method further includes, prior to sending authorization information to the second-hand vehicle purchaser:

Requesting the vehicle management to acquire the current temporary key of the record information;

and receiving the temporary key fed back by the vehicle management, and packaging the temporary key into the authorization information.

3. The blockchain-based transaction data processing method according to any of claims 1-2, further comprising, prior to sending a cash out request to the escrow facility:

acquiring the amount of money hosted in the fund hosting information;

judging whether the amount of money hosted in the fund hosting information is equal to the transaction amount agreed by the second-hand vehicle buying and selling contract or not, and obtaining a first judgment result;

extracting a refund signature on the pick-up certificate;

judging whether the signature of the person who drops money is consistent with the reserved signature of the second-hand vehicle buyer or not, and obtaining a second judging result;

if the first judgment result and the second judgment result are both yes, determining that the fund escrow information and the vehicle lifting certificate meet the release triggering condition of the intelligent contract;

and if the first judging result or the second judging result is negative, determining that the fund escrow information and the vehicle lifting certificate do not meet the release triggering condition of the intelligent contract.

4. A blockchain-based transaction data processing device, comprising:

A trading contract uplink module, configured to acquire a second-hand vehicle trading contract signed by the second-hand vehicle buyer and the second-hand vehicle seller, where the second-hand vehicle trading contract includes a first electronic signature of the second-hand vehicle buyer, a first face picture and a personal voice of the second-hand vehicle buyer acquired when the second-hand vehicle trading contract is signed, and the second-hand vehicle trading contract further includes a second electronic signature and a second face picture of the second-hand vehicle seller;

The first triggering module is used for triggering the trading and uploading module to record the second-hand vehicle trading contract to the blockchain if the first comparison result, the second comparison result and the third comparison result are consistent in comparison;

the second triggering module is used for triggering the first triggering module if the fourth comparison result and the fifth comparison result are consistent in comparison;

5. The blockchain-based transaction data processing device of claim 4, wherein the docket information is encrypted, the authorization information including a temporary key for decrypting the docket information;

the blockchain-based transaction data processing device further includes:

6. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the computer program, implements the steps of the blockchain-based transaction data processing method of any of claims 1 to 3.

7. A computer readable storage medium storing a computer program, wherein the computer program when executed by a processor implements the steps of the blockchain-based transaction data processing method of any of claims 1 to 3.