CN110380863A - Cross-border payment message notifier processes method and device based on block chain framework - Google Patents

Cross-border payment message notifier processes method and device based on block chain framework Download PDF

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CN110380863A
CN110380863A CN201910588662.8A CN201910588662A CN110380863A CN 110380863 A CN110380863 A CN 110380863A CN 201910588662 A CN201910588662 A CN 201910588662A CN 110380863 A CN110380863 A CN 110380863A
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message
block chain
node
participant
block
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CN110380863B (en
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吴慧宾
杨晓
曾菊儒
郑运荣
刘锐
王明媚
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Yinqing Science And Technology (beijing) Co Ltd
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Yinqing Science And Technology (beijing) Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0407Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0876Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/01Protocols
    • H04L67/10Protocols in which an application is distributed across nodes in the network
    • H04L67/1097Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3218Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using proof of knowledge, e.g. Fiat-Shamir, GQ, Schnorr, ornon-interactive zero-knowledge proofs
    • H04L9/3221Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using proof of knowledge, e.g. Fiat-Shamir, GQ, Schnorr, ornon-interactive zero-knowledge proofs interactive zero-knowledge proofs

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  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
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  • Business, Economics & Management (AREA)
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  • Computer Hardware Design (AREA)
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  • General Business, Economics & Management (AREA)
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  • Information Transfer Between Computers (AREA)

Abstract

The present invention provides a kind of cross-border payment message notifier processes method and device based on block chain framework; wherein; this method comprises: CIPS node organization is directed to the message informing message content of intended recipient participant node; utilize public key combination zero-knowledge proof technology of the intended recipient participant node on block chain; anonymous privacy encipherment protection processing is carried out to message notice message content, block chain is added in the message informing block of building;Each reception participant node is directed to message informing block, carries out anonymous Identity verifying;The reception participant node being verified decrypts message informing message content from message informing block and exports to target user.Above-mentioned technical proposal improves the accuracy and efficiency of cross-border payment message notifier processes, while ensure that the security reliability and stability of cross-border payment message notifier processes.

Description

Cross-border payment message notifier processes method and device based on block chain framework
Technical field
The present invention relates to cross-border data processing field, in particular to a kind of cross-border payment message based on block chain framework is logical Know processing method and processing device.
Background technique
The cross-border payment system of RMB (Cross-border Interbank Payment System, hereinafter referred to as CIPS) be for local and overseas banking institution etc. directly participant the cross-border payment transaction of RMB provide with funds clearing service be System.
The business of CIPS is broadly divided into payment class business processing, content service and participant's management business.Info class industry It realizes in business and participant's management business and is initiated by CIPS, direct participant receives, logical without the message for carrying out capital settlement Know business scenario.
The message informing message of one CIPS is made of heading and message body, for different direct participants, CIPS The message packet head content of transmission is both for the direct participant's.
Following three types can be divided into according to the difference of message mode:
1) point-to-point message is sent.
CIPS is directed to specific direct participant, and harpoon is sent to the participant to holding in the message body of the participant; If the content of account management notice message body is the account-related information of participant oneself.
2) broadcast message is sent.
CIPS is sent to the content of identical message body all direct participants;Such as register capital to state white list notice, institute The direct participant having receives the identical of CIPS transmission and registers capital to state white list.
3) multicast message is sent.
The content of identical message body is sent to a certain group of direct participant by CIPS;Such as the message multicast in free-format, CIPS chooses the participant list's formation message sink group for needing to send message, in identical message body according to business needs Hold all participants being sent in the group.
The detailed protocol and its disadvantage of existing cross-border message informing processing are introduced below.
1. point-to-point message is sent.
Citing: CIPS sends messages to direct participant A (example line number A0001) by point-to-point mode and directly participates in Person B (example line number A0002), message send implementation example as shown in Figure 1:
1) stage one:
CIPS is direct participant A group message packet A, and header includes the line number A0001 of direct participant A, and report body is " report Body one " (example);
CIPS is direct participant B group message packet B, and header includes the line number A0002 of direct participant B, and report body is " report Body two " (example).
That is point-to-point message mode, to the header and report of the message packet of different direct patcicipant's gruops Body is all different.
2) stage two: CIPS, being sent to PMTS-COC, (message concentrated exchange by the message packet A organized and message packet B Gateway is deployed in cross-border banker's payment system operation center).
3) direct participant's line number that the stage three: PMTS-COC fills according to message packet head, it is corresponding to be distributed to line number (participant's incoming end message transmissions software is deployed in cross-border banker's payment system ginseng to the associated PMTS-CAE of direct participant Inside person).
2. broadcast message is sent.
Multicast is similar with the implementation of broadcast, and different places mainly broadcasts the message and sends all direct participants, And multicast message is sent to one group of specified direct participant.
Citing: CIPS sends messages to all direct participants by broadcast mode, and message sends implementation example such as Shown in Fig. 2:
1) stage one:
CIPS is all direct patcicipant's gruop message packets, and each directly participant organizes a message packet, header Line number comprising the direct participant to be sent, such as sending the header of direct participant A includes line number A0001, is sent direct That participant B includes line number A0002, and all message bodies are all " report body one " (example);
That is broadcast the message sending method, different to the header of the message packet of different direct patcicipant's gruops, And report body all.
2) message packet that the stage two: CIPS will have been organized, is sent to PMTS-COC.
3) direct participant's line number that the stage three: PMTS-COC fills according to message packet head, it is corresponding to be distributed to line number The associated PMTS-CAE of direct participant.
3. multicast message is sent.
Citing: CIPS sends messages to one group of direct participant by multicast mode, and the direct participant of the group includes direct Participant A and B, it is as shown in Figure 3 that message sends implementation example:
1) stage one:
CIPS is direct participant A group message packet A, and header includes the line number A0001 of direct participant A, and report body is " report Body one " (example);
CIPS is direct participant B group message packet B, and header includes the line number A0002 of direct participant B, and report body is " report Body one " (example).
That is multicast message sending method, it is different to the header of the message packet of different direct patcicipant's gruops, And report body all.
2) message packet that the stage two: CIPS will organize, is sent to PMTS-COC.
3) direct participant's line number that the stage three: PMTS-COC fills according to message packet head, it is corresponding to be distributed to line number The associated PMTS-CAE of direct participant.
The shortcomings that above scheme includes the following aspects:
1. message distribution realizes complicated, identical message content repetition transmission:
CIPS sends message informing to PMTS-COC, then which judges to be sent to according to header information directly by PMTS-COC Participant is met, the corresponding directly corresponding PMTS-CAE of participant is then distributed to.
This CIPS message informing issues implementation, if causing identical message being sent to multiple participants, It then needing to organize different messages for each participant, heading includes participant's line number, and reports body all identical, the reason is that PMTS-COC needs to carry out message distribution by header information.
Above-mentioned disadvantage is message distribution complexity, and identical message content can not be shared in multiple participants, Message content repeats to send.
2. it is possible to there is loss in message:
In abnormal cases, the message informing that CIPS is issued does not reach the PMTS-CAE of some participant, at this time participant It can not know that CIPS has issued message informing in time, and CIPS does not know whether message informing is successfully sent to directly participate in yet Person.
In view of the above-mentioned problems, currently no effective solution has been proposed.
Summary of the invention
The embodiment of the invention provides a kind of cross-border payment message notifier processes methods based on block chain framework, to mention The accuracy and efficiency of high cross-border payment message notifier processes, while guaranteeing the security reliability of cross-border payment message notifier processes And stability, cross-border payment message notifier processes participant node constitute block chain node, block chain node include: RMB across Border payment system CIPS node and multiple reception participant nodes;Wherein, this method comprises:
CIPS node organization is directed to the message informing message content of intended recipient participant node, utilizes the intended recipient Public key combination zero-knowledge proof technology of the participant node on block chain carries out anonymous privacy to message notice message content and adds Privacy protection processing, constructs a message informing block according to processing result, and block chain is added in the message informing block;
Each reception participant node carries out anonymous body for the message informing block according to zero-knowledge proof technology Part verifying;
The reception participant node being verified is solved from message informing block as the intended recipient participant node Close outbound message notice message content exports the message informing message content decrypted to target user.
The embodiment of the invention also provides a kind of cross-border payment mechanism of RMB based on block chain framework, to improve across The accuracy and efficiency of border payment message notifier processes, while guaranteeing the security reliability of cross-border payment message notifier processes and steady Qualitative, cross-border payment message notifier processes participant node constitutes block chain node, the block chain node include: RMB across Border payment system CIPS node and multiple reception participant nodes;Wherein:
CIPS node utilizes the mesh for harpoon to the message informing message content of intended recipient participant node Tag splice receives public key combination zero-knowledge proof technology of the participant node on block chain, carries out to message notice message content anonymous The processing of privacy encipherment protection, constructs a message informing block according to processing result, and block is added in the message informing block Chain;
Each reception participant node, for being hidden according to zero-knowledge proof technology for the message informing block Name authentication;
The reception participant node being verified, for being used as the intended recipient participant node from message informing block In decrypt message informing message content, the message informing message content decrypted is exported to target user.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory And the computer program that can be run on a processor, the processor are realized above-mentioned based on block when executing the computer program The cross-border payment message notifier processes method of chain framework.
The embodiment of the invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage There is the computer program for executing the above-mentioned cross-border payment message notifier processes method based on block chain framework.
Cross-border payment message notifier processes participant node constitutes block chain in technical solution provided in an embodiment of the present invention Node, block chain node include: the cross-border payment system CIPS node of RMB and multiple reception participant nodes;Program packet Include: CIPS node organization is directed to the message informing message content of intended recipient participant node, utilizes intended recipient participant section Public key combination zero-knowledge proof technology of the point on block chain carries out at anonymous privacy encipherment protection message notice message content Reason, constructs a message informing block according to processing result, and block chain is added in message informing block;Each reception participant section Point carries out anonymous Identity verifying for message informing block according to zero-knowledge proof technology;The reception participant section being verified Point decrypts message informing message content as intended recipient participant node from message informing block, the message that will be decrypted Notice message content is exported to target user, and implementation with this solution realizes:
(1) simplified message distribution flow realizes that message is shared in multiple participants, and need not repeat to send: message hair After being sent to block chain network, by the carrier that block chain is transmitted as information, and shared characteristic, relevant participant may be used To receive and see message, identical message content need not repeat to send.
(2) safety of message informing accessibility and storage is promoted: by the distributed nature of block chain, message distribution formula Be stored on multiple nodes of block chain network, improve data storage safety, guarantee be sent to disappearing for block chain network Breath message can all reach corresponding participant, also avoid information drop-out caused by the reasons such as folk prescription systemic breakdown, storage damage.
(3) message informing is credible: by the characteristic that can not distort of block chain, guaranteeing that message informing can not be distorted artificially, protects Demonstrate,prove the credible of message informing.
(4) simultaneously using anonymous Privacy Preservation Mechanism, it is ensured that access and the secret protection safety of information: message informing message There is preservation in each node of block chain network, guarantee only have the related participant of message informing to may browse through message informing content, Irrelevant side can't see sensitive information.Simultaneously by anonymity technology, realize message informing recipient be who to other participants not Known to.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and effect of cross-border payment message notifier processes Rate, while ensure that the security reliability and stability of cross-border payment message notifier processes.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with It obtains other drawings based on these drawings.
Fig. 1 be in the prior art cross-border pay point to the schematic illustration of point mode message informing processing method;
Fig. 2 is the schematic illustration of cross-border payment broadcast mode message informing processing method in the prior art;
Fig. 3 is the schematic illustration of cross-border payment multicast mode message informing processing method in the prior art;
Fig. 4 is the process signal of the cross-border payment message notifier processes method in the embodiment of the present invention based on block chain framework Figure;
Fig. 5 is the schematic illustration of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework;
Fig. 6 is that participant, the principle that overseas participant's message informing is handled are shown indirectly for the cross-border payment country in the prior art It is intended to;
Fig. 7 is the system general frame of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework Schematic diagram;
Fig. 8 is the system layer framework of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework Schematic diagram;
Fig. 9 is the network deployment signal of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework Figure;
Figure 10 is the system integration frame of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework Structure schematic diagram;
Figure 11 is that the apparatus structure of the cross-border payment message notifier processes in the embodiment of the present invention based on block chain framework shows It is intended to.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that the described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on this Embodiment in invention, every other reality obtained by those of ordinary skill in the art without making creative efforts Example is applied, shall fall within the protection scope of the present invention.
Before introducing the embodiment of the present invention, first to the present embodiments relate to professional term be introduced.
(1) the cross-border payment system of RMB (Cross-border Interbank Payment System, Phase I, Hereinafter referred to as CIPS): the cross-border payment system of RMB is for the cross-border branch of RMB of the directly participant such as local and overseas banking institution Pay business provide with funds clearing service system.CIPS supports the cross-border demand used of each stage RMB, including RMB Cross-border trade settlement, the cross-border money-capital clearing in financial market etc..By with large-amount payment system (hereinafter referred to as HVPS), debt The connection of certificate settlement system etc., CIPS can provide cross-border payment and settlement service across time zone for participant.
(2) direct participant: direct participant, which refers to, opens fund account in CIPS, possesses CIPS line number, passes through CIPS Handle the domestic banking institution of the cross-border payment transaction of RMB.In the row of direct participant operation system or dedicated front-end system with CIPS connection sends and receives instruction by CIPS, and instruction is transmitted by dedicated network or universal network.
(3) indirect participant: indirect participant, which refers to, does not open fund account in CIPS, possesses CIPS line number, it is necessary to entrust Direct participant is ask to handle local and overseas banking institution of the cross-border payment transaction of RMB etc..Indirect participant passes through direct participant Instruction is sent and received to CIPS.
When it is implemented, in present example receive participant node may include direct participant (core participant) and Indirect participant (common participant), wherein direct participant may include domestic directly participant (domestic directly participant section Point) and overseas direct participant's (direct participant node overseas), indirect participant may include: domestic participant (border indirectly Interior indirect participant node) and overseas indirect participant's (indirect participant node overseas).
Due to inventor find cross-border payment (RMB and foreign currency) message informing processing scheme there are the problem of, propose A kind of cross-border payment message notification method based on block chain technology, i.e., at the cross-border payment message notice based on block chain framework Reason method, the specifically main realization approach of the program are as follows:
1. the broadcast of existing cross-border payment message notice and multicast is existing is achieved in that a message informing content group The line number of some participant is arranged in the header of each message for multiple message informing messages, judges that the message is wanted for routing It is sent to which participant, and the header information of message is all identical.And after introducing block chain, the embodiment of the present invention due to The interconnectivity and sharing of block chain account book, a broadcast or multicast message informing can be seen by multiple participants simultaneously, simplify original Some message distributions handle logic, realize that message is shared in multiple participants, and need not repeat to send.
2. existing implementation is in message under PMTS-COC transmission PMTS-CAE, abnormal conditions, there are information drop-outs Possibility, participant can not independently reacquire message informing at present on line;And authority, complete message informing and its shape State is stored in CIPS, and participant can not carry out the inquiry and downloading of history message Notification Record by CIPS at present.And draw After entering block chain, the embodiment of the present invention guarantees by the characteristic of its distributed storage, can not distorting, shared authoritative account book Message informing record it is credible and do not lose, support historical record can inquire and download;Anonymous Privacy Preservation Mechanism is used simultaneously, Ensure the access and secret protection safety of information.
3. domestic participant indirectly in the embodiment of the present invention, overseas participant be registered as alliance's block chain network at Member, CIPS can also be sent to it message informing.
The cross-border payment message notifier processes scheme based on block chain framework is described in detail as follows below.
As shown in figure 5, cross-border payment message notifier processes participant node constitutes block chain node, the block chain node It include: the cross-border payment system CIPS node of RMB and multiple reception participant nodes;Fig. 4 is in the embodiment of the present invention based on area The flow diagram of the cross-border payment message notifier processes method of block chain framework, as shown in figure 4, this method comprises the following steps:
Step 101:CIPS node organization is directed to the message informing message content of intended recipient participant node, using described Public key combination zero-knowledge proof technology of the intended recipient participant node on block chain, hides to message notice message content Name privacy encipherment protection processing, constructs a message informing block according to processing result, and area is added in the message informing block Block chain;
Step 102: each reception participant node is according to zero-knowledge proof technology, for the message informing block, into The verifying of row anonymous Identity;
Step 103: the reception participant node being verified is as the intended recipient participant node from message informing Message informing message content is decrypted in block, and the message informing message content decrypted is exported to target user.
Based on the cross-border payment message notifier processes method of block chain framework in the embodiment of the present invention, as shown in figure 5, work When:
Firstly, CIPS node organization is directed to the message informing message content of intended recipient participant node, the mesh is utilized Tag splice receives public key combination zero-knowledge proof technology of the participant node on block chain, carries out to message notice message content anonymous The processing of privacy encipherment protection, constructs a message informing block according to processing result, and block is added in the message informing block Chain, at this point, the cross-border payment message notifier processes participant node on chain recognizes there is such a message informing, i.e., this disappears Breath notice is broadcast on chain.
Secondly, each reception participant node is hidden according to zero-knowledge proof technology for the message informing block Name authentication.
Then, the reception participant node being verified is as the intended recipient participant node from message informing block In decrypt message informing message content, the message informing message content decrypted is exported to target user.
Therefore, compared with existing cross-border payment message notifier processes scheme, scheme provided in an embodiment of the present invention can be with Reach following advantageous effects:
(1) simplified message distribution flow realizes that message is shared in multiple participants, and need not repeat to send: message hair After being sent to block chain network, by the carrier that block chain is transmitted as information, and shared characteristic, relevant participant may be used To receive and see message, identical message content need not repeat to send.
(2) safety of message informing accessibility and storage is promoted: by the distributed nature of block chain, message distribution formula Be stored on multiple nodes of block chain network, improve data storage safety, guarantee be sent to disappearing for block chain network Breath message can all reach corresponding participant, also avoid information drop-out caused by the reasons such as folk prescription systemic breakdown, storage damage.
(3) message informing is credible: by the characteristic that can not distort of block chain, guaranteeing that message informing can not be distorted artificially, protects Demonstrate,prove the credible of message informing.
(4) simultaneously using anonymous Privacy Preservation Mechanism, it is ensured that access and the secret protection safety of information: message informing message There is preservation in each node of block chain network, guarantee only have the related participant of message informing to may browse through message informing content, Irrelevant side can't see sensitive information.Simultaneously by anonymity technology, realize message informing recipient be who to other participants not Known to.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and effect of cross-border payment message notifier processes Rate, while ensure that the security reliability and stability of cross-border payment message notifier processes.
When it is implemented, can be shown by display screen, the forms such as short message or mail export message informing message content to Target user.
When it is implemented, all participant nodes (participant) on block chain have the public key of oneself, each participant Public key be different.Encryption is to say to privacy, that is, pass through cryptological technique, is encrypted to privacy content, thus Information is protected not to be known, privacy can be realized by the symmetric key in cryptography, asymmetric-key encryption technology.It is anonymous It is realized by zero-knowledge proof mechanism, zero-knowledge proof can use existing zero-knowledge proof technology to realize.
Below in conjunction with Fig. 5 to Figure 10, to each step in scheme provided in an embodiment of the present invention describe in detail as Under.
One, inventor also found following technical problem:
As shown in fig. 6, indirect participant cannot directly access in existing cross-border payment message notifier processes scheme CIPS, the message informing that indirect participant must forward CIPS to issue by direct participant, message transmission is cumbersome, and can not be timely It is shared.
In addition, existing cross-border payment message notifier processes scheme does not support issuing message notice to participant overseas: due to The reason of cross-border network, CIPS only supports the access of domestic directly participant at present, and overseas participant relies primarily on SWIFT net Network, and domestic directly participant carry out information transmitting, and specifically, the message informing that CIPS is issued can only be sent directly to be participated within the border After person, participant overseas is sent by SWIFT network by domestic directly participant.
Since inventor has found the above technical problem, then proposes following support issuing message and notify to domestic indirect Participant, the overseas directly or indirectly technical solution of participant.
In one embodiment, the reception participant node may include: domestic participant node indirectly, overseas directly Participant node and overseas indirect participant node.
When it is implemented, due to the implementation for passing through block chain technology, support issuing message notice to domestic participant indirectly, Directly or indirectly participant overseas.Domestic participant indirectly, overseas directly or indirectly participant is registrable as block chain network Member, by block chain interconnectivity and sharing, encryption, anti-tamper characteristic, extend cross-border payment network to overseas, within the border between Meet participant, overseas directly or indirectly participant can also receive the message informing issued from CIPS.
Two, inventor also found following technical problem:
Currently, in CIPS is issued in cross-border payment message notifier processes scheme message needs to be stored in by participant oneself In portion's operation system, history message inquiry just can be carried out, and there is loss in the history message of participant's internal business systems storage Possibility, CIPS does not support inquiry of the participant to history issuing message at present.
Since inventor has found the above technical problem, the following technical solution for supporting history message inquiry is then proposed.
In one embodiment, reception participant node can also receive looking into for the message informing historical record of user's input Request is ask, is shared in account book and is searched according to inquiry request to block chain, query result is exported to user.
When it is implemented, supporting history message inquiry due to the implementation for passing through block chain technology.Message informing historical record It is stored in block chain to share in account book, participant can inquire and download at any time.
Three, the point-to-point message based on block chain framework is described below and sends processing scheme.
In one embodiment, CIPS node organization is directed to the message informing message content of intended recipient participant node, Using public key combination zero-knowledge proof technology of the intended recipient participant node on block chain, in message notice message Hold and carry out anonymous privacy encipherment protection processing, a message informing block is constructed according to processing result, by the message informing area Block chain is added in block, may include:
CIPS node organization is directed to the point-to-point message informing message content of intended recipient participant node, utilizes the mesh Tag splice receives public key combination zero-knowledge proof technology of the participant node on block chain, to point-to-point message informing message content into Row anonymity privacy encipherment protection processing, constructs a point-to-point message informing block according to processing result, point-to-point disappears described Block chain is added in breath notice block;
The reception participant node being verified is solved from message informing block as the intended recipient participant node The message informing message content decrypted is exported to target user, may include: by close outbound message notice message content
The reception participant node being verified is as the intended recipient participant node from point-to-point message informing area Point-to-point message informing message content is decrypted in block, and point-to-point message informing message content is exported to target user;It is described Intended recipient participant node is the reception participant node of the point-to-point message on block chain, and target user is point pair at this time The reception user of point message.
When it is implemented, the message sent by point-to-point message is needed to can be as in account management notice message body Appearance is the account-related information of participant oneself, and specifically, the point-to-point message based on block chain framework sends processing scheme can To include:
CIPS is directed to specific local and overseas direct or indirect participants, and group is used in combination for holding in the message body of the participant Public key combination zero-knowledge proof technology of the reception participant on block chain carries out anonymous privacy encipherment protection to message, so After be dealt into block chain network.
All participants in block chain network receive message informing simultaneously, and respectively use private key combination zero-knowledge proof Technology carries out anonymous Identity verifying, and the participant being verified can view message privacy content.
Four, it then introduces the broadcast message based on block chain framework and sends processing scheme.
In one embodiment, CIPS node organization is directed to the message informing message content of intended recipient participant node, Using public key combination zero-knowledge proof technology of the intended recipient participant node on block chain, in message notice message Hold and carry out anonymous privacy encipherment protection processing, a message informing block is constructed according to processing result, by the message informing area Block chain is added in block, may include:
CIPS node organization is directed to the broadcast message notice message content of intended recipient participant node, utilizes the target Public key combination zero-knowledge proof technology of the participant node on block chain is received, is hidden broadcast message notice message content Name privacy encipherment protection processing, constructs a broadcast message according to processing result and notifies block, by the broadcast message notification area Block chain is added in block;
The reception participant node being verified is solved from message informing block as the intended recipient participant node The message informing message content decrypted is exported to target user, may include: by close outbound message notice message content
The reception participant node being verified notifies block from broadcast message as the intended recipient participant node In decrypt broadcast message notice message content, will broadcast message notice message content export to target user;The target connects Receiving participant node is all reception participant nodes on block chain, and target user is that the reception to broadcast the message is used at this time Family.
When it is implemented, the message sent by broadcast message is needed to can be as registered capital to state white list notice, own Direct participant receive CIPS transmission it is identical register capital to state white list, specifically, based on the wide of block chain framework Broadcasting message transmission processing scheme may include:
Hold in the message packet body to be broadcasted of CIPS group, and the public key combination Zero Knowledge with all participants on block chain Proof technology carries out anonymous privacy encipherment protection to message, is then dealt into block chain network.
All participants in block chain network receive message informing simultaneously, and respectively use private key combination zero-knowledge proof Technology carries out anonymous Identity verifying, and the participant being verified can view message privacy content.
Five, it then introduces the multicast message based on block chain framework and sends processing scheme.
In one embodiment, CIPS node organization is directed to the message informing message content of intended recipient participant node, Using public key combination zero-knowledge proof technology of the intended recipient participant node on block chain, in message notice message Hold and carry out anonymous privacy encipherment protection processing, a message informing block is constructed according to processing result, by the message informing area Block chain is added in block, may include:
CIPS node organization is directed to the multicast message notice message content of intended recipient participant node, utilizes the target Public key combination zero-knowledge proof technology of the participant node on block chain is received, is hidden multicast message notice message content Name privacy encipherment protection processing, constructs a multicast message according to processing result and notifies block, by the multicast message notification area Block chain is added in block;
The reception participant node being verified is solved from message informing block as the intended recipient participant node The message informing message content decrypted is exported to target user, may include: by close outbound message notice message content
The reception participant node being verified notifies block from multicast message as the intended recipient participant node In decrypt multicast message notice message content, multicast message notice message content is exported to target user;The target connects Participant node is received as all reception participant nodes in the specified transmission group on block chain, target user is multicast at this time The reception user of message.
When it is implemented, the message sent by broadcast message is needed to can be as registered capital to state white list notice, own Direct participant receive CIPS transmission it is identical register capital to state white list, specifically, based on the wide of block chain framework Broadcasting message transmission processing scheme may include:
CIPS group is wanted to hold in the message packet body of multicast, and with all participants in the specified group sent on block chain Public key combination zero-knowledge proof technology carries out anonymous privacy encipherment protection to message, is then dealt into block chain network.
All participants in block chain network receive message informing simultaneously, and respectively use private key combination zero-knowledge proof Technology carries out anonymous Identity verifying, and the participant being verified can view message privacy content.
Six, how to implement for a better understanding of the present invention, below to the embodiment of the present invention based on block chain framework The cross-border system architecture diagram of RMB (Fig. 7), system layer framework (Fig. 8), network deployment framework (Fig. 9) and system integrated framework Figure (Figure 10) is introduced.
When it is implemented, as shown in fig. 7, CIPS operator (CIPS node) in the embodiment of the present invention: deployment kafka/ Zookeeper cluster, orderer node, Peer node.The direct participant of core: deployment peer node, orderer node.It is general Lead to direct participant: deployment peer node, node are connected to the orderer node of clearance head center.CA certificate: certificate is established Management system maps to user certificate.
When it is implemented, the system layer configuration diagram of the cross-border payment message notifier processes based on block chain framework is joined See Fig. 8.
When it is implemented, as shown in figure 9, all common nodes of block chain network in the embodiment of the present invention, are deployed in each ginseng With the area person DMZ, white list is opened by VPN and interior firewall to authorize mutual access.Build (the deployment of a kafka cluster Yu Renhang clears head center), core participant is distributed to build an orderer organization and peer organization, often 2 or more peer build in a mechanism.Common participant builds 2 or more peer, and the peer for participating in mechanism with core constitutes one Peer organization.
When it is implemented, the system integrated framework schematic diagram of the cross-border payment message notifier processes based on block chain framework is joined See Figure 10.In Figure 10, participant 1...N can be multiple reception participant nodes, and CIPS operator can save for CIPS Point.
To sum up, technical solution provided in an embodiment of the present invention mainly realizes the content of the following aspects:
1), application block chain technology realizes that cross-border payment message notifies process;
2), by the distributed account book technical characterstic of block chain, realize that cross-border message informing shares information;
3), by the data of block chain can not tamper technical characterstic, realize cross-border payment message notice authenticity and Reliability.
Based on the same inventive concept, a kind of cross-border payment based on block chain framework is additionally provided in the embodiment of the present invention to disappear Notifier processes device is ceased, as described in the following examples.Due to the cross-border payment message notifier processes dress based on block chain framework It is similar to the cross-border payment message notifier processes method based on block chain framework to set the principle solved the problems, such as, therefore is based on block chain The implementation of the cross-border payment message notifier processes device of framework may refer to the notice of the cross-border payment message based on block chain framework The implementation of processing method, overlaps will not be repeated.Used below, term " unit " or " module " may be implemented to make a reservation for The combination of the software and/or hardware of function.It is hard although device described in following embodiment is preferably realized with software The realization of the combination of part or software and hardware is also that may and be contemplated.
Figure 11 is the cross-border payment message notifier processes apparatus structure signal in the embodiment of the present invention based on block chain framework Figure, cross-border payment message notifier processes participant node constitute block chain node, and the block chain node includes: that RMB is cross-border Payment system CIPS node and multiple reception participant nodes;As shown in Figure 1:
CIPS node 02, for harpoon to the message informing message content of intended recipient participant node, using described Public key combination zero-knowledge proof technology of the intended recipient participant node on block chain, hides to message notice message content Name privacy encipherment protection processing, constructs a message informing block according to processing result, and area is added in the message informing block Block chain;
Each reception participant node 04, for being carried out according to zero-knowledge proof technology for the message informing block Anonymous Identity verifying;
The reception participant node 04 being verified, for being used as the intended recipient participant node from message informing area Message informing message content is decrypted in block, and the message informing message content decrypted is exported to target user.
In one embodiment, receiving participant node can be also used for receiving the message informing historical record of user's input Inquiry request, according to inquiry request to block chain share account book in search, query result is exported to user.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory And the computer program that can be run on a processor, the processor are realized above-mentioned based on block when executing the computer program The cross-border payment message notifier processes method of chain framework.
The embodiment of the invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage There is the computer program for executing the above-mentioned cross-border payment message notifier processes method based on block chain framework.
The advantageous effects that technical solution provided in an embodiment of the present invention reaches are:
1. simplified message is distributed, realize that message is shared in multiple participants, and need not repeat to send.
After message is sent to block chain network, by the carrier that block chain is transmitted as information, and shared characteristic, phase The participant of pass can receive and see message, and identical message content need not repeat to send.
2. promoting the safety of message informing accessibility and storage.
By the distributed nature of block chain, message distribution formula is stored on multiple nodes of block chain network, is promoted The storage safety of data, guarantees that the message packet for being sent to block chain network can all reach corresponding participant, also avoids Information drop-out caused by the reasons such as folk prescription systemic breakdown, storage damage.
3. supporting history message inquiry.
Message informing historical record is stored in block chain and shares in account book, and participant can inquire and download at any time.
4. supporting issuing message notice to domestic indirect participant, overseas directly or indirectly participant.
Domestic participant indirectly, the overseas directly or indirectly registrable member as block chain network of participant, by area Block chain interconnectivity and sharing, encryption, anti-tamper characteristic, extend cross-border payment network to overseas, domestic indirect participant, overseas Directly or indirectly participant can also receive the message informing issued from CIPS.
5. message informing is credible.
By the characteristic that can not distort of block chain, guarantees that message informing can not be distorted artificially, guarantee the credible of message informing.
6. anonymous secret protection.
Message informing message has preservation in each node of block chain network, and by specific Encryption Algorithm, guarantee only disappears The related participant of breath notice may browse through message informing content, and irrelevant side can't see sensitive information.Simultaneously by anonymous skill Art realizes that message informing recipient is who is unknowable to other participants.And CIPS is as supervisory node, it can be seen that all Message informing message, including message content and recipient.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and effect of cross-border payment message notifier processes Rate, while ensure that the security reliability and stability of cross-border payment message notifier processes.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field For art personnel, the embodiment of the present invention can have various modifications and variations.All within the spirits and principles of the present invention, made Any modification, equivalent substitution, improvement and etc. should all be included in the protection scope of the present invention.

Claims (10)

1. a kind of cross-border payment message notifier processes method based on block chain framework, which is characterized in that cross-border payment message is logical Know that processing participant node constitutes block chain node, the block chain node includes: the cross-border payment system CIPS node of RMB With multiple reception participant nodes;The cross-border payment message notifier processes method based on block chain framework includes:
CIPS node organization is directed to the message informing message content of intended recipient participant node, is participated in using the intended recipient Public key combination zero-knowledge proof technology of the Fang Jiedian on block chain carries out anonymous privacy encryption to message notice message content and protects Shield processing, constructs a message informing block according to processing result, and block chain is added in the message informing block;
Each reception participant node carries out anonymous Identity and tests according to zero-knowledge proof technology for the message informing block Card;
The reception participant node being verified is decrypted from message informing block as the intended recipient participant node Message informing message content exports the message informing message content decrypted to target user.
2. as described in claim 1 based on the cross-border payment message notifier processes method of block chain framework, which is characterized in that institute Stating and receiving participant node includes: domestic participant node indirectly, overseas direct participant node and overseas indirect participant section Point.
3. as described in claim 1 based on the cross-border payment message notifier processes method of block chain framework, which is characterized in that connect The inquiry request that participant node also receives the message informing historical record of user's input is received, it is total to block chain according to inquiry request It enjoys in account book and searching, query result is exported to user.
4. as described in claim 1 based on the cross-border payment message notifier processes method of block chain framework, which is characterized in that CIPS node organization is directed to the message informing message content of intended recipient participant node, utilizes the intended recipient participant section Public key combination zero-knowledge proof technology of the point on block chain carries out at anonymous privacy encipherment protection message notice message content Reason, constructs a message informing block according to processing result, and block chain is added in the message informing block, comprising:
CIPS node organization is directed to the point-to-point message informing message content of intended recipient participant node, is connect using the target Public key combination zero-knowledge proof technology of the participant node on block chain is received, is hidden point-to-point message informing message content Name privacy encipherment protection processing, constructs a point-to-point message informing block according to processing result, the point-to-point message is led to Know that block chain is added in block;
The reception participant node being verified is decrypted from message informing block as the intended recipient participant node Message informing message content exports the message informing message content decrypted to target user, comprising:
The reception participant node being verified is as the intended recipient participant node from point-to-point message informing block Point-to-point message informing message content is decrypted, point-to-point message informing message content is exported to target user;The target Receive the reception participant node that participant node is the point-to-point message on block chain.
5. as described in claim 1 based on the cross-border payment message notifier processes method of block chain framework, which is characterized in that CIPS node organization is directed to the message informing message content of intended recipient participant node, utilizes the intended recipient participant section Public key combination zero-knowledge proof technology of the point on block chain carries out at anonymous privacy encipherment protection message notice message content Reason, constructs a message informing block according to processing result, and block chain is added in the message informing block, comprising:
CIPS node organization is directed to the broadcast message notice message content of intended recipient participant node, utilizes the intended recipient Public key combination zero-knowledge proof technology of the participant node on block chain carries out broadcast message notice message content anonymous hidden Private encipherment protection processing, constructs a broadcast message according to processing result and notifies block, and broadcast message notice block is added Enter block chain;
The reception participant node being verified is decrypted from message informing block as the intended recipient participant node Message informing message content exports the message informing message content decrypted to target user, comprising:
The reception participant node being verified is solved from broadcast message notice block as the intended recipient participant node Close broadcast message notice message content out exports broadcast message notice message content to target user;The intended recipient ginseng With all reception participant nodes that square node is on block chain.
6. as described in claim 1 based on the cross-border payment message notifier processes method of block chain framework, which is characterized in that CIPS node organization is directed to the message informing message content of intended recipient participant node, utilizes the intended recipient participant section Public key combination zero-knowledge proof technology of the point on block chain carries out at anonymous privacy encipherment protection message notice message content Reason, constructs a message informing block according to processing result, and block chain is added in the message informing block, comprising:
CIPS node organization is directed to the multicast message notice message content of intended recipient participant node, utilizes the intended recipient Public key combination zero-knowledge proof technology of the participant node on block chain carries out multicast message notice message content anonymous hidden Private encipherment protection processing, constructs a multicast message according to processing result and notifies block, and multicast message notice block is added Enter block chain;
The reception participant node being verified is decrypted from message informing block as the intended recipient participant node Message informing message content exports the message informing message content decrypted to target user, comprising:
The reception participant node being verified is solved from multicast message notice block as the intended recipient participant node Close multicast message notice message content out, multicast message notice message content is exported to target user;The intended recipient ginseng It is all reception participant nodes in the specified transmission group on block chain with square node.
7. a kind of cross-border payment message notifier processes device based on block chain framework, which is characterized in that cross-border payment message is logical Know that processing participant node constitutes block chain node, the block chain node includes: the cross-border payment system CIPS node of RMB With multiple reception participant nodes;Wherein:
CIPS node is connect for harpoon to the message informing message content of intended recipient participant node using the target Public key combination zero-knowledge proof technology of the participant node on block chain is received, anonymous privacy is carried out to message notice message content Encipherment protection processing, constructs a message informing block according to processing result, and block chain is added in the message informing block;
Each reception participant node, for carrying out anonymous body for the message informing block according to zero-knowledge proof technology Part verifying;
The reception participant node being verified, for being solved from message informing block as the intended recipient participant node Close outbound message notice message content exports the message informing message content decrypted to target user.
8. as claimed in claim 7 based on the cross-border payment message notifier processes device of block chain framework, which is characterized in that connect The inquiry request that participant node is also used to receive the message informing historical record of user's input is received, according to inquiry request to block Chain is shared to be searched in account book, and query result is exported to user.
9. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor Calculation machine program, which is characterized in that the processor realizes any side of claim 1 to 6 when executing the computer program Method.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim It is required that the computer program of 1 to 6 any the method.
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