CN110084066B - Privacy information protected repayment method, system, equipment and storage medium - Google Patents

Privacy information protected repayment method, system, equipment and storage medium Download PDF

Info

Publication number
CN110084066B
CN110084066B CN201910359575.5A CN201910359575A CN110084066B CN 110084066 B CN110084066 B CN 110084066B CN 201910359575 A CN201910359575 A CN 201910359575A CN 110084066 B CN110084066 B CN 110084066B
Authority
CN
China
Prior art keywords
repayment
loan
lender
transaction
privacy information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN201910359575.5A
Other languages
Chinese (zh)
Other versions
CN110084066A (en
Inventor
何正军
吴思进
王志文
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Hangzhou Fuzamei Technology Co Ltd
Original Assignee
Hangzhou Fuzamei Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hangzhou Fuzamei Technology Co Ltd filed Critical Hangzhou Fuzamei Technology Co Ltd
Priority to CN201910359575.5A priority Critical patent/CN110084066B/en
Publication of CN110084066A publication Critical patent/CN110084066A/en
Application granted granted Critical
Publication of CN110084066B publication Critical patent/CN110084066B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/62Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245Protecting personal data, e.g. for financial or medical purposes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/383Anonymous user system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

Abstract

The invention discloses a repayment method, a system, equipment and a storage medium with protected privacy information, and belongs to the technical field of block chains. Initiating a repayment transaction, calculating the interest due and the principal for repayment according to the repayment amount applied in the repayment transaction, freezing the sum of the interest due and the principal for repayment in a credit account, and judging whether the freezing is successful or not; if the freezing is successful, transferring the part of the money frozen by the lender to the debit account; writing a repayment certificate into the blockchain; if the freezing fails, the privacy information ciphertext m1 and m2 of the lender and the loan transaction content are obtained from the loan record and are used for reminding or maintaining the right. Private information of lending parties on an open block chain system is easy to leak; the invention can protect the identity information of the payers, and meanwhile, when the payers do not pay due, the true identity information of the borrowers can be obtained by decryption, and the true identity information and the corresponding borrowing information are used as evidence for later law right maintenance.

Description

Privacy information protected repayment method, system, equipment and storage medium
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a method, a system, a device, and a storage medium for paying protected private information.
Background
In a point-to-point scheme, the network P2P loan system matches the lenders, and the lenders need to communicate with each other, and the lenders have good interest rate, expiration time, collateral articles and the like.
In the existing borrowing and lending system patent application scheme based on the block chain, a public chain for protecting the private information of a borrower does not exist, even in a series union chain scheme for protecting partial information, consensus on block chain borrowing results is not realized, the block chain system is not in the true sense, the property of preventing the block chain system from being tampered is not utilized to protect the rights and interests of the private information of the borrower and the lender, and the same problem also exists during repayment.
Chinese patent application, publication No.: CN 107133866A; the publication date is as follows: 2017, 9 and 5, discloses a block chain credit matching system, after a fund demand party submits loan application data on a block chain, a registered credit evaluation organization evaluates and lists loan application persons and application contents, fund suppliers such as banks and insurance companies provide corresponding loan interest rates and loan amount quotations on the block chain according to evaluation listing information provided by the credit evaluation organization, and the fund demand party selects one or more fund suppliers on the block chain within a specified time to form a credit contract to obtain funds. According to the invention, privacy protection is not carried out on the lending parties, and on an open block chain system, people can check lending transactions, so that privacy information of the lending parties is leaked, and clear description on the protection of the privacy information of the lending parties in a repayment process is not given, so that the situation that the privacy information of the lending parties is leaked still exists.
Disclosure of Invention
1. Technical problem to be solved by the invention
In order to overcome the technical problems, the invention provides a payment method, a system, equipment and a storage medium with protected private information. When the repayment is successful, the identity information of the repayment person can be protected, and meanwhile, when the repayment is overdue, the true identity information of the borrower can be obtained through decryption and serves as evidence for later law right maintenance together with the corresponding borrowing information.
2. Technical scheme
In order to solve the problems, the technical scheme provided by the invention is as follows:
a repayment method with protected privacy information initiates a repayment transaction, calculates interest due and principal for repayment according to a repayment amount applied in the repayment transaction, freezes the sum of the interest due and the principal for repayment in a credit account, and judges whether the freezing is successful or not;
if the freezing is successful, transferring the part of the money frozen by the lender to the debit account; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
if the freezing fails, the privacy information cryptographs m1 and m2 of the lender and the loan transaction content are obtained from the loan record and are used for reminding timely payment or carrying out right-keeping use through legal means.
The further improvement is that when the payment transaction is an advanced payment transaction, the interest payable and the payment principal are calculated according to the payment amount applied in the advanced payment transaction. Further, when the payment transaction is an expired payment transaction, inquiring all loan records, judging whether the expired payment transaction exists, and if so, calculating the interest due and the payment principal.
Further, the loan record comprises credit evaluation results, privacy information ciphertexts m1 and m2 of lenders and loan transaction contents.
Further, the encryption process of the ciphertexts m1 and m2 is as follows: the evaluation center carries out DH shared encryption on the private information m of the lender, the public and private keys (a, A) of the evaluation center, the public and private keys (B, B) of the lender and the public and private keys (C, C) of the borrower to generate keys K1 and K2,
K1=a*B;
K2=a*C;
processing the privacy information m of the lender and secret keys K1 and K2 through a symmetric encryption algorithm, encrypting a plaintext m based on K1 and K2 respectively, and generating ciphertexts m1 and m 2; the decryption process is as follows: m1 and m2 are decrypted by decryption keys K1 'and K2', K1 ═ a × b, and K2 ═ a × c.
The loan transaction content comprises the time when the loan transaction and the loan transaction are successfully matched, the loan amount, the interest rate, the term, the loan mode and the repayment mode.
The credit evaluation result is obtained by the following steps:
constructing loan transactions containing lenders DID, matching loan transactions meeting loan transaction contents, checking whether public keys B and DID of the lenders are matched, and if so, returning privacy information plaintext m of the lenders to an evaluation center for credit evaluation to obtain credit evaluation results; and the DID is obtained through clear text m authentication of the privacy information of the lender.
Further, the loan transaction content comprises loan amount, interest rate, term, loan mode and repayment mode of a lender; the loan transaction content comprises the loan amount, interest rate, term, loan mode and repayment mode of the borrower.
And the evaluation center performs credit evaluation on the lender according to the privacy information plaintext m of the lender, and performs one-time credit evaluation on the lender according to the ID of the same loan transaction. Further, the number of the evaluation centers is 1 or more. Further, the privacy information plaintext m of the lender comprises a public key B and identity information.
A privacy information protected repayment system, a privacy information protected repayment method according to any one of the above, comprising a contract unit, a repayment transaction initiating unit; the repayment transaction initiating unit is used for initiating a repayment transaction; the contract unit is used for judging whether the payment transaction is an advance payment transaction or an expiration payment transaction;
calculating the interest payable and the principal for repayment according to the repayment amount applied in the repayment transaction, freezing the sum of the interest payable and the principal for repayment in the account of the lender, and judging whether the freezing is successful or not;
transferring the account of the frozen part of the credit to a debit account after the freezing is successful; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
after the freezing fails, the privacy information cryptographs m1 and m2 of the lender and the loan transaction content are obtained from the loan record and are used for reminding timely payment or carrying out right maintenance through legal means.
An apparatus, the apparatus comprising: one or more processors; memory for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to perform a method as described above.
A storage medium storing a computer program which, when executed by a processor, implements a method as claimed in any one of the preceding claims.
3. Advantageous effects
Compared with the prior art, the technical scheme provided by the invention has the following beneficial effects:
by adopting the technical scheme of the invention, when the payment is successful, the identity information of the payer can be protected, and meanwhile, when the payment is overdue, the true identity information of the borrower can be obtained by decryption and used as the evidence for later law right maintenance together with the corresponding borrowing information; the personal privacy information of the payers is protected, and meanwhile, the personal information of the payers can be restored when necessary to carry out legal right maintenance.
Drawings
Fig. 1 is a flowchart of a method for making a payment with protected private information according to a preferred embodiment of the present invention.
Fig. 2 is a flowchart of the acquisition of credit evaluation results in the loan records.
Fig. 3 is a flowchart of the acquisition of the credit evaluation result in the loan record provided by the preferred embodiment of fig. 2.
Fig. 4 is a schematic diagram of a privacy information encryption process.
Fig. 5 is a flowchart of a method for advanced payment according to a preferred embodiment of fig. 1.
Fig. 6 is a flowchart of a periodic payment method provided in the preferred embodiment of fig. 1.
Fig. 7 is a block diagram of a payment system with protected private information according to a preferred embodiment of the present invention.
FIG. 8 is a schematic view of the apparatus of the present invention.
Detailed Description
For a further understanding of the present invention, reference will now be made in detail to the embodiments illustrated in the drawings.
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
The terms first, second, and the like in the present invention are provided for convenience of describing the technical solution of the present invention, and have no specific limiting effect, but are all generic terms, and do not limit the technical solution of the present invention.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Example 1
A privacy information protected payment method, as shown in fig. 1, comprising the steps of:
a1, initiating a payment transaction;
a2, calculating the interest payable and the principal payment according to the payment amount applied in the payment transaction;
a3, freezing the sum of the interest due and the repayment principal in the credit account;
a4, judging whether the freezing is successful;
a5, if the freezing is successful, transferring the credit freezing part of the money to the debit account; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
a6, if the freezing fails, obtaining the privacy information cryptographs m1 and m2 of the lender from the lending record and the lending transaction content for reminding or maintaining right.
The loan record comprises a credit evaluation result, privacy information ciphertexts m1 and m2 of a lender and loan transaction contents.
As shown in fig. 2, the process of obtaining the credit evaluation result includes:
x1, constructing loan transaction containing lender DID;
x2, loan transaction matching the loan transaction content;
x3, checking whether public key B and DID of the lender are matched;
x4, if matching, returning the privacy information plaintext m of the lender to the evaluation center;
x5, performing credit evaluation by an evaluation center; and the DID is obtained through clear text m authentication of the privacy information of the lender.
Wherein the number of the evaluation centers is 1 or more. And the privacy information plaintext m of the lender comprises a public key B and identity information. The loan transaction content comprises loan amount, interest rate, term, loan mode and repayment mode of a lender; the loan transaction content comprises the loan amount, interest rate, term, loan mode and repayment mode of the borrower.
Because in the multi-node system of the blockchain public-link system, each node applies for credit assessment of the same individual in one loan transaction, in order to prevent the same assessment center from repeatedly performing credit assessment on the lender in the same loan transaction for multiple times, which causes resource waste, as shown in fig. 3, the further improvement is that:
and X5', the evaluation center performs credit evaluation on the lender according to the privacy information plaintext m of the lender, and the evaluation center performs one credit evaluation on the lender according to the ID of the same loan transaction to obtain a credit evaluation result.
The loan transaction content comprises the time when the loan transaction and the loan transaction are successfully matched, the loan amount, the interest rate, the term, the loan mode and the repayment mode.
As shown in fig. 4, the encryption process of the ciphertexts m1 and m2 is as follows:
j1, the evaluation center carries out DH sharing encryption on the private information m of the lender and public and private keys (a and A) of the evaluation center, wherein the public and private keys (B and B) of the lender and the public and private keys (C and C) of the borrower;
j2, generate keys K1 and K2,
K1=a*B;
K2=a*C;
j3, the private information m of the lender and the keys K1 and K2 are processed through a symmetric encryption algorithm, and the plaintext m is encrypted based on K1 and K2 respectively to generate ciphertexts m1 and m 2. Since the number of the evaluation centers is plural, the number of the ciphertexts m1 and m2 is also plural, that is, the ciphertexts m1 and m2 are a data matrix, and all the ciphertexts m1 and m2 are required to be put into the loan transaction record when the loan transaction combination is performed.
The decryption process is as follows: m1 and m2 are decrypted by decryption keys K1 'and K2', K1 ═ a × b, and K2 ═ a × c. The lender and the lender can conveniently check the plaintext information of the lender through the respective private key and the public key A of the evaluation center.
After decryption, hashing the private information m to obtain a hash value HmThen the borrower uses the private key c and the evaluation center uses the private key a to pair the hash value HmCarry out signature and buildAnd establishing deposit certificate transaction, and linking after verification and consensus to ensure that each evaluation center obtains approval of the privacy information m after decrypting the borrower, thereby realizing the effect of block chain contract, further limiting the possibility of bad account and leaving evidence for later maintenance.
In step a1, when the payment transaction is an advanced payment transaction, the interest payable and the principal payment are calculated according to the payment amount applied in the advanced payment transaction.
As shown in fig. 5, the steps are:
b1, the lender initiates an advance payment transaction;
b2, calculating the interest payable and the repayment principal according to the repayment amount applied in the advance repayment transaction;
b3, freezing the sum of the interest due and the repayment principal in the credit account;
b4, judging whether the freezing is successful;
b5, if the freezing is successful, transferring the credit freezing part of the money to the debit account; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
b6, if the freezing fails, obtaining the privacy information cryptographs m1 and m2 of the lender from the lending record and the lending transaction content for reminding or maintaining right.
As shown in fig. 6, when the payment transaction is an expired payment transaction, the payment method includes:
c1, initiating an expiration payment transaction;
c2, inquiring all loan records;
c3, judging whether the loan transaction of the due repayment exists;
c4, if existing, calculating the interest due and the repayment principal according to the loan amount of the loan transaction of the due repayment;
c5, freezing the sum of the interest due and the repayment principal in the credit account;
c6, judging whether the freezing is successful;
c7, if the freezing is successful, transferring the credit freezing part of the money to the debit account; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
c8, if the freezing fails, obtaining the privacy information cryptographs m1 and m2 of the lender from the lending record and the lending transaction content for reminding or maintaining right.
In steps A5, B5 and C7, after the freezing is successful, the loan is transferred to the debit account, and the loan amount of the lender is updated by subtracting the loan amount returned by the lender at the current time from the accumulated loan amount and is recorded on the block chain.
The repayment in the steps A5, B5 and C7 includes the contents in the loan record, the repayment time, the repayment amount unit and the accumulated loan amount unit, and the contents are written into the block chain to ensure that the repayment information is well documented.
In the steps A6, B6 and C8, if the freezing fails, the privacy information ciphertexts m1 and m2 of the lender and the loan transaction content are obtained from the loan record and are used for reminding or maintaining the right, on one hand, the lender is reminded that the account balance of the lender which fails to freeze is insufficient and repayment is carried out in time, on the other hand, after the freezing fails, the privacy information ciphertexts m1 and m2 of the lender are obtained from the loan record and are recorded on the block chain, and the right is conveniently maintained by legal means.
Example 2
A privacy information protected repayment system according to the privacy information protected repayment method described in embodiment 1, as shown in fig. 7, including a contract unit, a repayment transaction initiation unit; the repayment transaction initiating unit is used for initiating a repayment transaction; the contract unit is used for judging whether the payment transaction is an advance payment transaction or an expiration payment transaction;
calculating the interest payable and the principal for repayment according to the repayment amount applied in the repayment transaction, and freezing the sum of the interest payable and the principal for repayment in the credit account;
transferring the account of the frozen part of the credit to a debit account after the freezing is successful; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
after the freezing fails, the privacy information ciphertext m1 and m2 of the lender and the loan transaction content are obtained from the loan record and are used for reminding or maintaining right to use.
On the nodes of the blockchain system, the contract unit and the payment transaction initiating unit may exist on one blockchain node or different blockchain nodes.
The method comprises the steps that a background server (equivalent to a robot) periodically inquires loan transaction records every day, an due repayment record is initiated and sent to a node, a contract is triggered, the contract traverses all loan records, when a lender is inquired to apply repayment to a contract unit and the repayment transaction is initiated, the contract receives the application of initiating the repayment transaction, a loan ID is analyzed, whether the repayment can be frozen or not is judged, the repayment is successfully frozen, encrypted repayment person real information is obtained, a repayment basis is generated, the frozen amount is transferred to a lender account, and the repayment is failed if the repayment is failed due to the freezing. And inquiring the repayment time of all loan transactions by the contract, judging whether the loan transactions are overdue, if the loan transactions are overdue, sending overdue repayment information to a background server (equivalent to a robot), and informing the lender of repayment by the background server.
Checking the loan records every day, initiating an due repayment transaction, triggering a contract, inquiring all loan records by the contract, inquiring whether the due repayment transaction exists, if so, calculating the interest payable, the repayment principal and the sum of the two, and freezing the amount of the repayment account for the due repayment;
if the freezing is successful, obtaining true identity information ciphertext m1 and m2 of the lender from the lending transaction, generating a repayment certificate of the repayment of the lender at this time, and writing the repayment certificate into a block chain; at the same time, transferring the frozen part of the money to a debit account;
if the freezing fails, borrowing information (including information obtained by encrypting the identity of the borrower) is acquired from the borrowing transaction and sent to a background server for later reminding and timely repayment or right maintenance through legal means.
The method comprises the following steps that a lender initiates an advance payment transaction, a contract receives the payment transaction, interest is calculated according to a payment amount applied in the advance payment transaction, the interest is accumulated in a payment principal, and the interest is frozen in an account of the lender;
if the freezing is successful, obtaining true identity information ciphertext m1 and m2 of the lender from the lending transaction, generating a repayment certificate of the repayment of the lender at this time, and writing the repayment certificate into a block chain; at the same time, the frozen portion of the funds is transferred to the debit account.
If the freeze fails, the transaction is directly exited for subsequent processing, and an insufficient balance receipt is issued to the lender.
Example 3
An apparatus, the apparatus comprising: one or more processors; memory for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to perform a method as described above.
A storage medium storing a computer program which, when executed by a processor, implements the method as described in embodiment 1 above.
Fig. 8 is a schematic structural diagram of an apparatus according to an embodiment of the present invention.
As shown in fig. 8, as another aspect, the present application also provides an apparatus 500 including one or more Central Processing Units (CPUs) 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the apparatus 500 are also stored. The CPU501, ROM502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to embodiments disclosed herein, the method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments disclosed herein include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method described in any of the embodiments above. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511.
As yet another aspect, the present application also provides a computer-readable storage medium, which may be the computer-readable storage medium included in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the methods described herein.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software or hardware. The described units or modules may also be provided in a processor, for example, each of the described units may be a software program provided in a computer or a mobile intelligent device, or may be a separately configured hardware device. Wherein the designation of a unit or module does not in some way constitute a limitation of the unit or module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention herein disclosed is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.

Claims (11)

1. A repayment method with protected privacy information is characterized in that a repayment transaction is initiated, the interest payable and the principal repayment are calculated according to the repayment amount applied in the repayment transaction, the sum of the interest payable and the principal repayment is frozen in a credit account, and whether the freezing is successful or not is judged;
if the freezing is successful, transferring the part of the money frozen by the lender to the debit account; obtaining privacy information ciphertexts m1 and m2 of the lender from the lending record to generate a repayment certificate of the repayment of the lender; writing a repayment certificate into the blockchain;
if the freezing fails, obtaining privacy information ciphertexts m1 and m2 of the lender and lending transaction contents from the lending record, and reminding timely payment or performing right-keeping use through legal means;
the loan record comprises a credit evaluation result, privacy information ciphertexts m1 and m2 of a lender and loan transaction contents;
the encryption process of the ciphertext m1 and m2 is as follows: the evaluation center carries out DH shared encryption on the private information m of the lender, the public and private keys (a, A) of the evaluation center, the public and private keys (B, B) of the lender and the public and private keys (C, C) of the borrower to generate keys K1 and K2,
K1=a*B;
K2=a*C;
processing the privacy information m of the lender and secret keys K1 and K2 through a symmetric encryption algorithm, encrypting a plaintext m based on K1 and K2 respectively, and generating ciphertexts m1 and m 2; the decryption process is as follows: m1 and m2 are decrypted by decryption keys K1 'and K2', K1 ═ a × b, and K2 ═ a × c.
2. The privacy information protected payment method of claim 1, wherein when the payment transaction is an advanced payment transaction, the interest payable and the principal payment are calculated according to a payment amount applied in the advanced payment transaction.
3. The privacy information protected payment method of claim 1, wherein when the payment transaction is an expired payment transaction, all loan records are queried, whether a loan transaction of the expired payment exists is judged, and if so, interest due and principal payment are calculated.
4. The privacy information protected repayment method as claimed in claim 1, wherein the loan transaction contents include time of successful matching of loan transaction and loan transaction, loan amount, interest rate, term, loan manner and repayment manner.
5. The privacy information protected payment method of claim 1, wherein the credit assessment result is obtained by:
constructing loan transactions containing lenders DID, matching loan transactions meeting loan transaction contents, checking whether public keys B and DID of the lenders are matched, and if so, returning privacy information plaintext m of the lenders to an evaluation center for credit evaluation to obtain credit evaluation results; and the DID is obtained through clear text m authentication of the privacy information of the lender.
6. The privacy information protected repayment method according to claim 5, wherein the loan transaction contents comprise lender loan amount, interest rate, term, loan mode and repayment mode;
the loan transaction content comprises the loan amount, interest rate, term, loan mode and repayment mode of the borrower.
7. The privacy information protected repayment method as claimed in claim 5, wherein the evaluation center performs credit evaluation on the lender according to the clear text m of the privacy information of the lender, and performs credit evaluation on the lender once for the ID of the same loan transaction.
8. The privacy information protected payment method of claim 5, wherein the number of the evaluation centers is more than 1.
9. The method of claim 5, wherein the lender's privacy information plaintext m comprises a public key B and identity information.
10. An apparatus, characterized in that the apparatus comprises:
one or more processors;
memory storing one or more programs that, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-9.
11. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-9.
CN201910359575.5A 2019-04-30 2019-04-30 Privacy information protected repayment method, system, equipment and storage medium Active CN110084066B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201910359575.5A CN110084066B (en) 2019-04-30 2019-04-30 Privacy information protected repayment method, system, equipment and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201910359575.5A CN110084066B (en) 2019-04-30 2019-04-30 Privacy information protected repayment method, system, equipment and storage medium

Publications (2)

Publication Number Publication Date
CN110084066A CN110084066A (en) 2019-08-02
CN110084066B true CN110084066B (en) 2021-03-16

Family

ID=67417998

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201910359575.5A Active CN110084066B (en) 2019-04-30 2019-04-30 Privacy information protected repayment method, system, equipment and storage medium

Country Status (1)

Country Link
CN (1) CN110084066B (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110717820A (en) * 2019-09-05 2020-01-21 阿里巴巴集团控股有限公司 Asset compensation method and device based on block chain and electronic equipment
CN111371785A (en) * 2020-03-02 2020-07-03 杭州溪塔科技有限公司 Block chain privacy transaction method and device and electronic equipment

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104867054A (en) * 2015-05-29 2015-08-26 深圳市银信网银科技有限公司 Loan repaying processing method and system
CN107153952A (en) * 2016-03-03 2017-09-12 阿里巴巴集团控股有限公司 Shopping settlement method and device
CN108171511A (en) * 2017-12-26 2018-06-15 陈晶 A kind of block chain model with privacy protection function
CN108288151A (en) * 2018-01-11 2018-07-17 杭州复杂美科技有限公司 A kind of virtual coin mortgage mode based on block chain
CN108399571A (en) * 2018-01-30 2018-08-14 厦门快商通信息技术有限公司 Unsecured method of commerce and system based on block chain intelligence contract
CN108898478A (en) * 2018-06-28 2018-11-27 杭州复杂美科技有限公司 Borrow or lend money method and system, equipment and storage medium
CN109034999A (en) * 2018-06-15 2018-12-18 杭州复杂美科技有限公司 Loan method and system, equipment and storage medium
CN109242667A (en) * 2018-06-28 2019-01-18 平安科技(深圳)有限公司 Assets management method and device, computer equipment and readable storage medium storing program for executing
US10650448B1 (en) * 2008-08-14 2020-05-12 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10650448B1 (en) * 2008-08-14 2020-05-12 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
CN104867054A (en) * 2015-05-29 2015-08-26 深圳市银信网银科技有限公司 Loan repaying processing method and system
CN107153952A (en) * 2016-03-03 2017-09-12 阿里巴巴集团控股有限公司 Shopping settlement method and device
CN108171511A (en) * 2017-12-26 2018-06-15 陈晶 A kind of block chain model with privacy protection function
CN108288151A (en) * 2018-01-11 2018-07-17 杭州复杂美科技有限公司 A kind of virtual coin mortgage mode based on block chain
CN108399571A (en) * 2018-01-30 2018-08-14 厦门快商通信息技术有限公司 Unsecured method of commerce and system based on block chain intelligence contract
CN109034999A (en) * 2018-06-15 2018-12-18 杭州复杂美科技有限公司 Loan method and system, equipment and storage medium
CN108898478A (en) * 2018-06-28 2018-11-27 杭州复杂美科技有限公司 Borrow or lend money method and system, equipment and storage medium
CN109242667A (en) * 2018-06-28 2019-01-18 平安科技(深圳)有限公司 Assets management method and device, computer equipment and readable storage medium storing program for executing

Also Published As

Publication number Publication date
CN110084066A (en) 2019-08-02

Similar Documents

Publication Publication Date Title
CN107851245B (en) Method and system for associating blockchain-based assets to fiat currency accounts
CN107851281B (en) System and method for fraud control for blockchain based transactions
CN107851246B (en) System and method for processing blockchain based transactions over existing payment networks
EP0995177B1 (en) Symmetrically-secured electronic communication system
CN107683493A (en) Verified for the part based on transaction to update the system and method for distributed account book
US20180365691A1 (en) Identity ledger in crypto currency transactions
US20110173122A1 (en) Systems and methods of bank security in online commerce
CN110084066B (en) Privacy information protected repayment method, system, equipment and storage medium
JPH10240848A (en) Method for transferring fund for electronic coin between user terminals
JPH07234904A (en) Method for execution of noncash transaction
US20110087574A1 (en) Method and apparatus for identity theft prevention
Mabunda Cryptocurrency: The new face of cyber money laundering
Zulhuda et al. Whither Policing Cryptocurrency in Malaysia?
CN110084602B (en) Method, system, equipment and storage medium for lending protected private information
Şcheau et al. METHODS OF LAUNDERING MONEY RESULTED FROM CYBER-CRIME.
CA3058553A1 (en) Cross-funds management server-based payment system, and method, device and server therefor
CN109685659B (en) Method for supporting offline transaction of block chain hard wallet and hard wallet
CN111144862A (en) Method, device, equipment and storage medium for realizing digital currency double-off-line payment
CA2986838A1 (en) Payment system based on shared funds-management server, and method, device and server therefor
AU2018101938A4 (en) An Electronic Payment System for Transport
CA2987800A1 (en) Payment system based on shared funds-management server, and method, device and server therefor
CA2987660A1 (en) Payment system based on shared funds-management server, and method, device and server therefor
Obodoeze et al. Enhanced Modified Security Framework for Nigeria Cashless E-payment System
CN112950395A (en) Block chain-based insurance claim settlement method, equipment and storage medium
Mahajan et al. Privacy and security challenges for cryptocurrency with comparative evaluation ofanonymity techniques

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant