CN110380863B - Cross-border payment message notification processing method and device based on block chain architecture - Google Patents

Cross-border payment message notification processing method and device based on block chain architecture Download PDF

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CN110380863B
CN110380863B CN201910588662.8A CN201910588662A CN110380863B CN 110380863 B CN110380863 B CN 110380863B CN 201910588662 A CN201910588662 A CN 201910588662A CN 110380863 B CN110380863 B CN 110380863B
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message notification
message
node
receiving participant
participant node
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CN110380863A (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 Technology Co ltd
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    • 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
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    • HELECTRICITY
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    • 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
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    • 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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Abstract

The invention provides a cross-border payment message notification processing method and device based on a block chain architecture, wherein the method comprises the following steps: the CIPS node organizes message notification message content aiming at the target receiving participant node, performs anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, and adds the constructed message notification block into the block chain; each receiving participant node carries out anonymous identity verification aiming at the message notification block; and the verified receiving participant node decrypts the message notification message content from the message notification block and outputs the message notification message content to the target user. By the technical scheme, accuracy and efficiency of cross-border payment message notification processing are improved, and safety, reliability and stability of cross-border payment message notification processing are guaranteed.

Description

Cross-border payment message notification processing method and device based on block chain architecture
Technical Field
The invention relates to the field of cross-border data processing, in particular to a cross-border payment message notification processing method and device based on a block chain architecture.
Background
A renminbi Cross-border Payment System (CIPS) is a System for providing fund settlement service for the renminbi Cross-border Payment service of direct participants of international and foreign banking institutions and the like.
The business of CIPS is mainly divided into payment-type business processing, information-type business, and participant management business. The information service and the participant management service are initiated by the CIPS and directly received by the participant without the need of a capital settlement message notification service scene.
The message notification message of one CIPS consists of a message header and a message body, and the content of the message header sent by the CIPS is specific to different direct participants.
The following three types can be classified according to different message sending modes:
1) Point-to-point messaging.
The CIPS organizes the content of the message body aiming at the specific direct participant and sends the content to the participant; for example, the content of the account management notification message body is the relevant information of the account of the participant.
2) And sending a broadcast message.
The CIPS sends the content of the same message body to all direct participants; if the funding status white list is notified, all direct participants receive the same funding status white list sent by the CIPS.
3) And sending the multicast message.
The CIPS sends the content of the same message body to a group of direct participants; for example, message multicast in free format, CIPS selects a list of participants who need to send messages to form a message receiving group according to service requirements, and sends the content of the same message body to all participants in the group.
The following is a detailed scheme of the existing cross-border message notification processing and its disadvantages.
1. Point-to-point messaging.
Examples are as follows: the CIPS sends messages to direct participant a (example line number a 0001) and direct participant B (example line number a 0002) in a point-to-point manner, and examples of the messaging implementation are shown in fig. 1:
1) Stage one:
CIPS is direct participant a group message a, the header contains the line number a0001 of the direct participant a, and the body is "body one" (example);
CIPS is direct participant B group message B, the header contains the line number a0002 of direct participant B, and the body is "body two" (example).
That is, the peer-to-peer messaging scheme differs between the message header and the message body of the message for different direct participant groups.
2) And a second stage: the CIPS sends the combined message A and message B to a PMTS-COC (message centralized switching gateway, deployed in a cross-border inter-bank payment system operation center).
3) And a third stage: and the PMTS-COC distributes the direct participant row number filled in according to the message header to the PMTS-CAE (participant access end message transmission software deployed inside the cross-border inter-bank payment system participant) associated with the direct participant corresponding to the row number.
2. And sending a broadcast message.
Multicast and broadcast are implemented similarly, with the difference that broadcast messages are sent to all direct participants, whereas multicast messages are sent to a specified set of direct participants.
Examples are: the CIPS sends messages to all direct participants by broadcasting, and examples of the implementation of message sending are shown in fig. 2:
1) Stage one:
CIPS is all direct participant group message messages, one message for each direct participant group, the header contains the line number of the direct participant to be sent, e.g., the header of sending direct participant a contains line number a0001, the header of sending direct participant B contains line number a0002, and all message bodies are "body one" (example);
that is, the broadcast message transmission mode is different for the message headers of different direct participant groups, and the message bodies are the same.
2) And a second stage: and the CIPS sends the well-grouped message to the PMTS-COC.
3) And a third stage: and the PMTS-COC distributes the direct participant line number filled in the message header to the PMTS-CAE associated with the direct participant corresponding to the line number.
3. And sending the multicast message.
Examples are: the CIPS sends messages to a group of direct participants including direct participants a and B in a multicast manner, and an example of the implementation of the message sending is shown in fig. 3:
1) Stage one:
CIPS is direct participant a group message a, the header contains the line number a0001 of the direct participant a, and the body is "body one" (example);
CIPS is an immediate participant B group message B with the header containing the line number a0002 of the immediate participant B and the body being "body one" (example).
That is, the multicast message sending method is different for the message headers of different direct participant groups, and the message bodies are the same.
2) And a second stage: and the CIPS sends the organized message to the PMTS-COC.
3) And a third stage: and the PMTS-COC distributes the direct participant line number filled in according to the message header to the PMTS-CAE associated with the direct participant corresponding to the line number.
The disadvantages of the above solution include the following aspects:
1. the message distribution is complex, and the same message content is repeatedly sent:
the CIPS sends a message notice to the PMTS-COC, the PMTS-COC judges which direct participant is sent to according to the header information, and then the message notice is distributed to the PMTS-CAE corresponding to the corresponding direct participant.
The CIPS message notification issuing implementation method results in that if the same message is to be sent to multiple participants, different messages need to be organized for each participant, the message header includes the participant line number, and the message bodies are the same, because PMTS-COC needs to distribute the message through the header information.
The above disadvantages are that the message distribution is complicated, and the same message content cannot be shared among multiple participants, and the message content is repeatedly transmitted.
2. There is a possibility of loss of messages:
under abnormal conditions, the message notification issued by the CIPS does not reach the PMTS-CAE of a certain participant, at the moment, the participant cannot know that the message notification is issued by the CIPS in time, and the CIPS does not know whether the message notification is successfully sent to the direct participant or not.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a cross-border payment message notification processing method based on a block chain architecture, which is used for improving the accuracy and efficiency of cross-border payment message notification processing and simultaneously ensuring the safety reliability and stability of cross-border payment message notification processing, wherein cross-border payment message notification processing participant nodes form block chain nodes, and the block chain nodes comprise: the system comprises a CIPS node and a plurality of receiving participant nodes; wherein, the method comprises the following steps:
the CIPS node organizes message notification message content aiming at a target receiving participant node, performs anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, constructs a message notification block according to a processing result, and adds the message notification block into the block chain;
each receiving participant node carries out anonymous identity verification aiming at the message notification block according to a zero-knowledge proof technology;
and the verified receiving participant node is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to a target user.
The embodiment of the invention also provides a RMB cross-border payment device based on the block chain architecture, which is used for improving the accuracy and efficiency of cross-border payment message notification processing and simultaneously ensuring the safety reliability and stability of the cross-border payment message notification processing, wherein cross-border payment message notification processing participant nodes form block chain nodes, and the block chain nodes comprise: the system comprises a CIPS node and a plurality of receiving participant nodes; wherein:
the CIPS node is used for organizing the message notification message content of the target receiving participant node, carrying out anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero knowledge certification technology, constructing a message notification block according to a processing result, and adding the message notification block into the block chain;
each receiving party node is used for carrying out anonymous identity authentication aiming at the message notification block according to a zero-knowledge proof technology;
and the verified receiving participant node is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to the target user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the cross-border payment message notification processing method based on the block chain architecture when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the cross-border payment message notification processing method based on the blockchain architecture is stored in the computer-readable storage medium.
In the technical scheme provided by the embodiment of the invention, the cross-border payment message notification processing participant nodes form block chain nodes, and the block chain nodes comprise: the system comprises a CIPS node and a plurality of receiving participant nodes; the scheme comprises the following steps: the CIPS node organizes message notification message content aiming at the target receiving participant node, performs anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, constructs a message notification block according to a processing result, and adds the message notification block into the block chain; each receiving participant node performs anonymous identity verification aiming at the message notification block according to a zero-knowledge proof technology; the verified receiving participant node is used as a target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to a target user, and by implementing the scheme, the following effects are achieved:
(1) The message distribution process is simplified, the message is shared among a plurality of participants, and the message does not need to be repeatedly sent: after the message is sent to the blockchain network, by using the blockchain as a carrier for information transfer and the shared characteristic, the related participants can receive and see the message, and the same message content does not need to be sent repeatedly.
(2) Promote message notification reachability and security of storage: by means of the distributed characteristic of the block chain, the messages are stored on a plurality of nodes of the block chain network in a distributed mode, the data storage safety is improved, the message messages sent to the block chain network can reach corresponding participants, and message loss caused by the reasons of single-party system paralysis, storage damage and the like is avoided.
(3) The message informs of credibility: by means of the non-tampering characteristic of the block chain, the message notification is guaranteed not to be tampered manually, and the message notification is guaranteed to be credible.
(4) And meanwhile, an anonymous privacy protection mechanism is used to ensure the safety of information access and privacy protection: the message notification message is stored in each node of the block chain network, so that only relevant participants of the message notification can browse the message notification content, and non-relevant parties cannot see sensitive information. Meanwhile, by means of an anonymous technology, the message informing receiver who is unknown to other participants is realized.
In summary, the technical scheme provided by the embodiment of the invention improves the accuracy and efficiency of the cross-border payment message notification processing, and simultaneously ensures the safety, reliability and stability of the cross-border payment message notification processing.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of a message notification processing method in a cross-border payment peer-to-peer manner in the prior art;
FIG. 2 is a schematic diagram of a cross-border payment broadcast message notification processing method in the prior art;
FIG. 3 is a schematic diagram illustrating a cross-border payment multicast mode message notification processing method in the prior art;
FIG. 4 is a flowchart illustrating a cross-border payment message notification processing method based on blockchain architecture according to an embodiment of the invention;
FIG. 5 is a schematic diagram illustrating a cross-border payment message notification process based on a blockchain architecture according to an embodiment of the invention;
FIG. 6 is a schematic diagram of a message notification process for cross-border payment of domestic and overseas participants in the prior art;
FIG. 7 is a block chain architecture based system architecture for cross-border payment message notification processing according to an embodiment of the present invention;
FIG. 8 is a block chain architecture based system hierarchy for cross-border payment messaging processing in accordance with an embodiment of the present invention;
FIG. 9 is a schematic diagram of a network deployment of a cross-border payment message notification process based on a blockchain architecture according to an embodiment of the present invention;
FIG. 10 is a block chain architecture based system integration architecture for cross-border payment messaging processing in accordance with an embodiment of the present invention;
fig. 11 is a block chain architecture based cross-border payment message notification processing apparatus according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
Before describing embodiments of the present invention, terms related to embodiments of the present invention will be described.
(1) RMB Cross-border Payment System (Cross-border inter base Payment System, phase I, hereinafter CIPS): the cross-border payment system for RMB is one system for providing fund settlement service for RMB cross-border payment of direct participants in foreign and domestic bank organization. The CIPS supports the requirements of cross-border use of the RMB at each stage, including cross-border trade settlement of the RMB, cross-border currency fund settlement of a financial market and the like. The CIPS can provide a cross-border, cross-time zone payment settlement service to participants through a connection with a large payment system (hereinafter abbreviated as HVPS), a bond settlement system, and the like.
(2) The direct participants: the direct participant is an in-place banking institution which opens a fund account in the CIPS, has a CIPS line number and transacts the Renminbi cross-border payment business through the CIPS. The inline service system or dedicated front-end system of the direct participant is connected to the CIPS, through which commands are sent and received, which are transmitted over the private network or the general network.
(3) Indirect participants: the indirect participant is a foreign or international banking institution which does not open a fund account in the CIPS, has a CIPS bank number and has to entrust the direct participant to transact the Renminbi cross-border payment business, and the like. The indirect participants send and receive instructions to the CIPS through the direct participants.
In specific implementation, in the example of the present invention, the receiving participant node may include a direct participant (core participant) and an indirect participant (ordinary participant), where the direct participant may include an inbound direct participant (inbound direct participant node) and an outbound direct participant (outbound direct participant node), and the indirect participant may include: an intra-ambient indirect participant (intra-ambient indirect participant node) and an overseas indirect participant (overseas indirect participant node).
Because the inventor finds the problems of the cross-border payment (RMB and foreign currency) message notification processing scheme, the invention provides a cross-border payment message notification method based on the blockchain technology, namely a cross-border payment message notification processing method based on the blockchain architecture, and particularly the scheme mainly realizes the following ideas:
1. the existing implementation mode of broadcast and multicast of the existing cross-border payment message notification is to set a plurality of message notification messages for one message notification content group, and the line number of a certain participant is set in the header of each message for routing judgment, and the header information of the messages is the same. After the block chain is introduced, due to the interconnection and sharing of the block chain account book, one broadcast or multicast message notification can be seen by a plurality of participants at the same time, the original message distribution processing logic is simplified, the message is shared among the participants, and the repeated sending is not needed.
2. In the existing implementation mode, when a message is sent from a PMTS-COC to a PMTS-CAE, under an abnormal condition, the possibility of message loss exists, and an online participant can not autonomously obtain a message notification at present; and the authoritative, complete message notification and its status are stored in the CIPS, and participants are currently unable to query and download historical message notification records through the CIPS. After the block chain is introduced, the embodiment of the invention ensures the credibility and non-loss of the message notification record by virtue of the characteristics of distributed storage, non-falsification and authority book sharing of the block chain, and supports the inquiry and downloading of the historical record; meanwhile, an anonymous privacy protection mechanism is used to ensure the safety of information access and privacy protection.
3. In the embodiment of the invention, the inside and outside participants register to become members of the block chain network of the alliance, and the CIPS can also send message notification to the inside and outside participants.
The cross-border payment message notification processing scheme based on the blockchain architecture is described in detail below.
As shown in fig. 5, the cross border payment message notification processing participant node constitutes a blockchain node, which includes: the system comprises a CIPS node and a plurality of receiving participant nodes; fig. 4 is a flowchart illustrating a cross-border payment message notification processing method based on a blockchain architecture according to an embodiment of the present invention, as shown in fig. 4, the method includes the following steps:
step 101: the CIPS node organizes message notification message content aiming at a target receiving participant node, performs anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero knowledge certification technology, constructs a message notification block according to a processing result, and adds the message notification block into the block chain;
step 102: each receiving participant node carries out anonymous identity verification aiming at the message notification block according to a zero-knowledge proof technology;
step 103: and the verified receiving participant node is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to a target user.
In the cross-border payment message notification processing method based on the blockchain architecture in the embodiment of the invention, as shown in fig. 5, during operation:
firstly, the CIPS node organizes the message notification message content of a target receiving participant node, anonymous privacy encryption protection processing is carried out on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, a message notification block is constructed according to the processing result, the message notification block is added into the block chain, and at the moment, the cross-border payment message notification processing participant node on the chain knows that the message notification exists, namely the message notification is broadcasted to the chain.
Secondly, each receiving participant node performs anonymous identity verification for the message notification block according to a zero-knowledge proof technique.
And then, the verified receiving participant node is taken as the target receiving participant node to decrypt the message notification message content from the message notification block, and the decrypted message notification message content is output to the target user.
Therefore, compared with the existing cross-border payment message notification processing scheme, the scheme provided by the embodiment of the invention can achieve the following beneficial technical effects:
(1) The message distribution process is simplified, the message is shared among a plurality of participants, and the message does not need to be repeatedly sent: after the message is sent to the blockchain network, by using the blockchain as a carrier for information transfer and the shared characteristic, the related participants can receive and see the message, and the same message content does not need to be sent repeatedly.
(2) Promote message notification reachability and security of storage: by means of the distributed characteristic of the block chain, the messages are stored on a plurality of nodes of the block chain network in a distributed mode, the data storage safety is improved, the message messages sent to the block chain network can reach corresponding participants, and message loss caused by the reasons of single-party system paralysis, storage damage and the like is avoided.
(3) The message informs of the credibility: by means of the non-tampering characteristic of the block chain, the message notification is guaranteed not to be tampered manually, and the message notification is guaranteed to be credible.
(4) And meanwhile, an anonymous privacy protection mechanism is used to ensure the safety of information access and privacy protection: the message notification message is stored in each node of the block chain network, so that only relevant participants of the message notification can browse the message notification content, and irrelevant parties cannot see the sensitive information. Meanwhile, by means of an anonymous technology, the message informing receiver is unknown to other participants.
In summary, the technical scheme provided by the embodiment of the invention improves the accuracy and efficiency of the cross-border payment message notification processing, and simultaneously ensures the safety, reliability and stability of the cross-border payment message notification processing.
In specific implementation, the message notification message content can be output to the target user in the forms of display screen display, short message or mail and the like.
In the implementation, all participant nodes (participants) on the blockchain have their own public keys, and the public key of each participant is different. The encryption is privacy, namely, the privacy content is encrypted through a cryptography technology, so that the information is protected from being known, and the privacy can be realized through a symmetric key and an asymmetric key encryption technology in the cryptography. Anonymity is achieved through a zero knowledge proof mechanism, which may be implemented using existing zero knowledge proof techniques.
The following describes each step in the scheme provided by the embodiment of the present invention in detail with reference to fig. 5 to 10.
1. The inventors have also found the following technical problems:
as shown in fig. 6, in the existing cross-border payment message notification processing scheme, an indirect participant cannot directly access to the CIPS, and the indirect participant needs to forward a message notification issued by the CIPS through a direct participant, so that the message is cumbersome to transmit and cannot be shared in time.
In addition, existing cross-border payment message notification processing schemes do not support issuing message notifications to overseas participants: for reasons of cross-border networks, the CIPS only supports access of the intra-border direct participants at present, the extra-border participants mainly rely on the SWIFT network to perform information transfer with the intra-border direct participants, and specifically, after the message notification issued by the CIPS is only sent to the intra-border direct participants, the intra-border direct participants send the extra-border participants through the SWIFT network.
Since the inventor finds the above technical problem, a technical scheme for supporting the issuing of the message notification to the intra-environment indirect participants, the overseas direct participants and the indirect participants is proposed as follows.
In one embodiment, the receiving participant node may comprise: an inbound indirect participant node, an outbound direct participant node, and an outbound indirect participant node.
In the specific implementation, due to the implementation of the blockchain technology, the method supports the issue of message notification to the indoor indirect participants, and the outdoor direct and indirect participants. The intra-environment indirect participants, the overseas direct participants and the overseas indirect participants can be registered as members of the blockchain network, the cross-border payment network is extended to the overseas by means of the characteristics of block chain interconnection sharing, encryption and tamper resistance, and the intra-environment indirect participants, the overseas direct participants and the indirect participants can also receive message notifications sent by the CIPS.
2. The inventors have also found the following technical problems:
at present, the message issued by the CIPS in the cross-border payment message notification processing scheme needs to be stored in the internal service system by the participant, so that historical message query can be performed, the historical message stored in the internal service system of the participant may be lost, and the CIPS does not support the participant to query the historical issued message at present.
Since the inventor finds the above technical problem, a technical solution for supporting the history message query is proposed as follows.
In one embodiment, the receiving participant node may further receive a query request of a message notification history record input by a user, search in the blockchain shared ledger according to the query request, and output a query result to the user.
In the implementation, the historical message query is supported due to the implementation of the block chain technology. The message notification history records are stored in the block chain shared account book, and participants can inquire and download at any time.
3. A point-to-point messaging scheme based on a blockchain architecture is described below.
In one embodiment, the CIPS node organizing the message notification message content for the target receiving participant node, performing anonymous privacy encryption protection processing on the message notification message content by using a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technique, constructing a message notification block according to a processing result, and adding the message notification block to the block chain may include:
the CIPS node organizes point-to-point message notification message content for a target receiving participant node, performs anonymous privacy encryption protection processing on the point-to-point message notification message content by using a public key of the target receiving participant node on a block chain in combination with a zero knowledge certification technology, constructs a point-to-point message notification block according to a processing result, and adds the point-to-point message notification block into the block chain;
the decrypting, by the verified receiving participant node as the target receiving participant node, the message notification packet content from the message notification block, and outputting the decrypted message notification packet content to the target user may include:
the verified receiving participant node is used as the target receiving participant node to decrypt the point-to-point message notification message content from the point-to-point message notification block and output the point-to-point message notification message content to a target user; the target receiving participant node is a receiving participant node of the point-to-point message on the block chain, and the target user is a receiving user of the point-to-point message.
In a specific implementation, the message to be sent through peer-to-peer messaging may be, for example, the content of the account management notification message body is the information related to the own account of the participant, and specifically, the peer-to-peer messaging processing scheme based on the blockchain architecture may include:
the CIPS is used for directly or indirectly aiming at specific intra-and-foreign participants, grouping the content of the message body of the participant, carrying out anonymous privacy encryption protection on the message by using the public key of the receiving participant on the blockchain in combination with a zero-knowledge proof technology, and then sending the message to the blockchain network.
All participants on the block chain network receive the message notification at the same time, and use private keys and zero knowledge proof technology to carry out anonymous identity verification respectively, and the participants who pass the verification can check the message privacy content.
4. Next, a broadcast messaging processing scheme based on the block chain architecture is introduced.
In one embodiment, the CIPS node organizing the message notification message content for the target receiving participant node, performing anonymous privacy encryption protection processing on the message notification message content by using a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technique, constructing a message notification block according to a processing result, and adding the message notification block to the block chain may include:
the CIPS node organizes broadcast message notification message content aiming at a target receiving participant node, performs anonymous privacy encryption protection processing on the broadcast message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, constructs a broadcast message notification block according to a processing result, and adds the broadcast message notification block into the block chain;
the decrypting, by the receiving participant node that passes the verification as the target receiving participant node, the message notification packet content from the message notification block, and outputting the decrypted message notification packet content to the target user may include:
the verified receiving participant node is used as the target receiving participant node to decrypt the content of the broadcast message notification message from the broadcast message notification block and output the content of the broadcast message notification message to a target user; the target receiving participant nodes are all receiving participant nodes on the block chain, and the target users are receiving users of the broadcast messages at the moment.
In a specific implementation, the message to be sent through the broadcast message may be, for example, a credit status white list notification, and all direct participants receive the same credit status white list sent by the CIPS, and specifically, the broadcast message sending processing scheme based on the block chain architecture may include:
the CIPS group broadcasts the message body content, and uses the public key of all participants on the blockchain to combine with the zero knowledge certification technology to carry out anonymous privacy encryption protection on the message, and then sends the message to the blockchain network.
All participants on the blockchain network receive the message notification at the same time, and use the private key and the zero-knowledge proof technology to carry out anonymous identity verification respectively, and the participants who pass the verification can check the message privacy content.
5. Next, a multicast messaging scheme based on the block chain architecture is introduced.
In one embodiment, the CIPS node organizing the message notification message content for the target receiving participant node, performing anonymous privacy encryption protection processing on the message notification message content by using a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technique, constructing a message notification block according to a processing result, and adding the message notification block to the block chain may include:
the CIPS node organizes multicast message notification message content aiming at a target receiving participant node, performs anonymous privacy encryption protection processing on the multicast message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero knowledge certification technology, constructs a multicast message notification block according to a processing result, and adds the multicast message notification block into the block chain;
the decrypting, by the verified receiving participant node as the target receiving participant node, the message notification packet content from the message notification block, and outputting the decrypted message notification packet content to the target user may include:
the verified receiving participant node is used as the target receiving participant node to decrypt the multicast message notification message content from the multicast message notification block and output the multicast message notification message content to a target user; the target receiving participant node is all receiving participant nodes in a designated sending group on the block chain, and the target user is the receiving user of the multicast message at the moment.
In a specific implementation, the message to be sent through the broadcast message may be, for example, a white list notification of a funding status, and all direct participants receive the same white list of the funding status sent by the CIPS, and specifically, the broadcast message sending processing scheme based on the blockchain architecture may include:
the CIPS group carries out anonymous privacy encryption protection on the message by using a public key of all participants in the designated group on the blockchain in combination with a zero knowledge certification technology, and then sends the message to the blockchain network.
All participants on the block chain network receive the message notification at the same time, and use private keys and zero knowledge proof technology to carry out anonymous identity verification respectively, and the participants who pass the verification can check the message privacy content.
6. To better understand how the present invention is implemented, the cross-border system architecture diagram of rmb based on the block chain architecture (fig. 7), the system hierarchy architecture (fig. 8), the network deployment architecture (fig. 9) and the system integration architecture diagram (fig. 10) according to the embodiment of the present invention are described below.
In specific implementation, as shown in fig. 7, a CIPS operation company (CIPS node) in the embodiment of the present invention: and deploying kafka/zookeeper clusters, orderer nodes and Peer nodes. Core direct participants: and deploying the peer node and the orderer node. The ordinary direct participants: a peer node is deployed, the nodes of which are connected to the orderer node of the clearing house. And (3) CA certificate: and establishing a certificate management system and mapping to the user certificate.
In specific implementation, a system hierarchy diagram of the cross-border payment message notification processing based on the blockchain architecture is shown in fig. 8.
In specific implementation, as shown in fig. 9, in the embodiment of the present invention, all common nodes of the blockchain network are deployed in each participant DMZ zone, and a white list is opened through a VPN and an internal firewall to authorize each other to access. And (3) building a kafka cluster (deployed in a pedestrian clearing general center), and building an order organization mechanism and a peer organization mechanism by the core participants in a distributed manner, wherein each mechanism builds more than 2 peers. The common participants build more than 2 peers and form a peer organization mechanism with the peers of the core participation mechanism.
In an implementation, a system integration architecture diagram of the cross-border payment message notification processing based on the blockchain architecture is shown in fig. 10. In fig. 10, participants 1.. N may be multiple receiving participant nodes and CIPS operating companies may be CIPS nodes.
In summary, the technical solution provided by the embodiment of the present invention mainly realizes the following contents:
1) Applying a block chain technology to realize a cross-border payment message notification process;
2) By means of the technical characteristics of the distributed account book of the block chain, the information sharing of cross-border message notification is realized;
3) And by means of the technical characteristic that the data of the block chain cannot be tampered, the authenticity and the reliability of the cross-border payment message notification are realized.
Based on the same inventive concept, the embodiment of the present invention further provides a cross-border payment message notification processing apparatus based on a blockchain architecture, as described in the following embodiments. Since the principle of the cross-border payment message notification processing apparatus based on the blockchain architecture for solving the problem is similar to that of the cross-border payment message notification processing method based on the blockchain architecture, the implementation of the cross-border payment message notification processing apparatus based on the blockchain architecture can be referred to the implementation of the cross-border payment message notification processing method based on the blockchain architecture, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware or a combination of software and hardware is also possible and contemplated.
Fig. 11 is a schematic structural diagram of a cross-border payment message notification processing apparatus based on a blockchain architecture according to an embodiment of the present invention, where a cross-border payment message notification processing participant node constitutes a blockchain node, and the blockchain node includes: the system comprises a CIPS node and a plurality of receiving participant nodes; as shown in fig. 1:
the CIPS node 02 is used for organizing the message notification message content of a target receiving participant node, carrying out anonymous privacy encryption protection processing on the message notification message content by utilizing the public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, constructing a message notification block according to the processing result, and adding the message notification block into the block chain;
each receiving participant node 04 is configured to perform anonymous identity verification with respect to the message notification block according to a zero-knowledge proof technique;
and the verified receiving participant node 04 is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to the target user.
In one embodiment, the receiving participant node may be further configured to receive a query request for a message notification history record input by a user, search the block chain shared ledger according to the query request, and output a query result to the user.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the cross-border payment message notification processing method based on the block chain architecture when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the cross-border payment message notification processing method based on the blockchain architecture is stored in the computer-readable storage medium.
The technical scheme provided by the embodiment of the invention has the following beneficial technical effects:
1. the message distribution is simplified, the message is shared among a plurality of participants, and repeated sending is not needed.
After the message is sent to the blockchain network, by means of the property that the blockchain is used as a carrier for information transmission and sharing, the related participants can receive and see the message, and the same message content does not need to be sent repeatedly.
2. And the reachability of message notification and the storage safety are improved.
By means of the distributed characteristic of the block chain, the messages are stored on a plurality of nodes of the block chain network in a distributed mode, the data storage safety is improved, the message messages sent to the block chain network can reach corresponding participants, and message loss caused by the reasons of single-party system paralysis, storage damage and the like is avoided.
3. Historical message queries are supported.
The message notification history records are stored in the block chain shared account book, and participants can inquire and download at any time.
4. And the method supports the issuing of message notification to the inbound indirect participants and the outbound direct and indirect participants.
The intra-environment indirect participants, the overseas direct participants and the overseas indirect participants can be registered as members of the blockchain network, the cross-border payment network is extended to the overseas by means of the characteristics of block chain interconnection sharing, encryption and tamper resistance, and the intra-environment indirect participants, the overseas direct participants and the indirect participants can also receive message notifications sent by the CIPS.
5. The message notification is trusted.
By means of the non-tampering characteristic of the block chain, the message notification is guaranteed not to be tampered manually, and the message notification is guaranteed to be credible.
6. Anonymous privacy protection.
The message notification message is stored in each node of the block chain network, and through a specific encryption algorithm, only relevant participants of the message notification can browse the message notification content, and irrelevant parties cannot see sensitive information. Meanwhile, by means of an anonymous technology, the message informing receiver is unknown to other participants. The CIPS, as a supervisory node, can see all message notification messages, including the message content and the receiver.
In summary, the technical scheme provided by the embodiment of the invention improves the accuracy and efficiency of the cross-border payment message notification processing, and simultaneously ensures the safety, reliability and stability of the cross-border payment message notification processing.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (6)

1. A cross border payment message notification processing method based on a blockchain architecture is characterized in that cross border payment message notification processing participant nodes form blockchain nodes, and the blockchain nodes comprise: the system comprises a CIPS node and a plurality of receiving participant nodes; the cross-border payment message notification processing method based on the blockchain architecture comprises the following steps:
the CIPS node organizes message notification message content aiming at a target receiving participant node, performs anonymous privacy encryption protection processing on the message notification message content by utilizing a public key of the target receiving participant node on a block chain in combination with a zero-knowledge proof technology, constructs a message notification block according to a processing result, and adds the message notification block into the block chain; at this time, all the cross-border payment message notification processing participant nodes in the chain know that the message notification exists;
each receiving participant node carries out anonymous identity verification aiming at the message notification block according to a zero-knowledge proof technology;
the verified receiving participant node is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to a target user;
the receiving participant node comprises: an intra-environment direct participant node, an intra-environment indirect participant node, an overseas direct participant node and an overseas indirect participant node;
the CIPS node organizes the message notification message content aiming at the target receiving participant node, utilizes the public key of the target receiving participant node on the block chain to combine with the zero knowledge proving technology to carry out anonymous privacy encryption protection processing on the message notification message content, constructs a message notification block according to the processing result, and adds the message notification block into the block chain, and the method comprises the following steps: the CIPS node organizes point-to-point message notification message content for a target receiving participant node, performs anonymous privacy encryption protection processing on the point-to-point message notification message content by using a public key of the target receiving participant node on a block chain in combination with a zero knowledge certification technology, constructs a point-to-point message notification block according to a processing result, and adds the point-to-point message notification block into the block chain; or the CIPS node organizes the broadcast message notification message content aiming at the target receiving participant node, performs anonymous privacy encryption protection processing on the broadcast message notification message content by utilizing the public key of the target receiving participant node on the block chain in combination with a zero-knowledge proof technology, constructs a broadcast message notification block according to the processing result, and adds the broadcast message notification block into the block chain; or the CIPS node organizes the multicast message notification message content aiming at the target receiving participant node, performs anonymous privacy encryption protection processing on the multicast message notification message content by utilizing the public key of the target receiving participant node on the block chain in combination with the zero-knowledge proof technology, constructs a multicast message notification block according to the processing result, and adds the multicast message notification block into the block chain;
the receiving party node which passes the verification is taken as the target receiving party node to decrypt the message notification message content from the message notification block, and the decrypted message notification message content is output to the target user, and the method comprises the following steps: the verified receiving participant node is used as the target receiving participant node to decrypt the point-to-point message notification message content from the point-to-point message notification block and output the point-to-point message notification message content to a target user; the target receiving participant node is a receiving participant node of a point-to-point message on a block chain; or, the verified receiving participant node is used as the target receiving participant node to decrypt the content of the broadcast message notification message from the broadcast message notification block and output the content of the broadcast message notification message to a target user; the target receiving participant node is all receiving participant nodes on the block chain; or, the verified receiving participant node is used as the target receiving participant node to decrypt the multicast message notification message content from the multicast message notification block, and the multicast message notification message content is output to a target user; the target receiving participant node is all receiving participant nodes in a designated sending group on the block chain;
CIPS nodes deploy kafka/zookeeper clusters, orderer nodes and Peer nodes, direct participant nodes deploy Peer nodes and orderer nodes, indirect participant nodes deploy Peer nodes, and the CIPS nodes, each direct participant node and each indirect participant node are all built with more than 2 Peer nodes.
2. The method as claimed in claim 1, wherein the receiving participant node further receives a query request of a message notification history record input by a user, searches the blockchain shared ledger according to the query request, and outputs a query result to the user.
3. A cross-border payment message notification processing apparatus based on a blockchain architecture, wherein a cross-border payment message notification processing participant node constitutes a blockchain node, and the blockchain node includes: the system comprises a CIPS node and a plurality of receiving participant nodes; wherein:
the CIPS node is used for organizing the message notification message content of the target receiving participant node, carrying out anonymous privacy encryption protection processing on the message notification message content by utilizing the public key of the target receiving participant node on the block chain in combination with a zero-knowledge proof technology, constructing a message notification block according to the processing result, and adding the message notification block into the block chain; at this time, all the cross-border payment message notification processing participant nodes in the chain know that the message notification exists;
each receiving party node is used for carrying out anonymous identity authentication aiming at the message notification block according to a zero-knowledge proof technology;
the verified receiving participant node is used as the target receiving participant node to decrypt the message notification message content from the message notification block and output the decrypted message notification message content to a target user;
the receiving participant node comprises: an intra-environment direct participant node, an intra-environment indirect participant node, an overseas direct participant node and an overseas indirect participant node;
the CIPS node is specifically configured to: organizing point-to-point message notification message contents aiming at target receiving participant nodes, carrying out anonymous privacy encryption protection processing on the point-to-point message notification message contents by utilizing a public key of the target receiving participant nodes on a block chain in combination with a zero knowledge certification technology, constructing a point-to-point message notification block according to a processing result, and adding the point-to-point message notification block into the block chain; or organizing broadcast message notification message contents aiming at target receiving participant nodes, carrying out anonymous privacy encryption protection processing on the broadcast message notification message contents by utilizing a public key of the target receiving participant nodes on a block chain in combination with a zero-knowledge proof technology, constructing a broadcast message notification block according to a processing result, and adding the broadcast message notification block into the block chain; or organizing multicast message notification message contents aiming at target receiving participant nodes, carrying out anonymous privacy encryption protection processing on the multicast message notification message contents by utilizing a public key of the target receiving participant nodes on a block chain in combination with a zero knowledge certification technology, constructing a multicast message notification block according to a processing result, and adding the multicast message notification block into the block chain;
the verified receiving participant node is specifically configured to: decrypting the point-to-point message notification message content from the point-to-point message notification block as the target receiving participant node, and outputting the point-to-point message notification message content to a target user; the target receiving participant node is a receiving participant node of a point-to-point message on a blockchain; or, as the target receiving participant node, decrypting the broadcast message notification message content from the broadcast message notification block, and outputting the broadcast message notification message content to a target user; the target receiving participant node is all receiving participant nodes on the block chain; or, as the target receiving participant node, decrypting the multicast message notification message content from the multicast message notification block, and outputting the multicast message notification message content to the target user; the target receiving participant node is all receiving participant nodes in a designated sending group on the block chain;
CIPS nodes deploy kafka/zookeeper clusters, orderer nodes and Peer nodes, direct participant nodes deploy Peer nodes and orderer nodes, indirect participant nodes deploy Peer nodes, and the CIPS nodes, each direct participant node and each indirect participant node are all built with more than 2 Peer nodes.
4. The device of claim 3, wherein the receiving participant node is further configured to receive a query request of a message notification history record input by a user, search in the blockchain shared ledger according to the query request, and output a query result to the user.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer-readable storage medium, characterized in that it stores a computer program for performing the method of any of claims 1 to 2.
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