CN110889683A - Mobile payment method and system for public service - Google Patents
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Abstract
The invention provides a mobile payment method and a mobile payment system for a public service, which are characterized in that the mobile payment for the public service is realized by utilizing a block chain constructed by an office node, a rechecking node and an approval node, the reliability of a transaction source is ensured by verifying a CA (certificate authority) certificate of the office node, and on the basis of passing the verification of the CA certificate, the payment transaction data is subjected to endorsement verification and approval consensus through the office node, the rechecking node and the approval node, so that the safety of mobile payment for the public service is ensured, and the efficiency of mobile payment for the public service is also improved by utilizing the block chain to realize automatic mobile payment for the public service.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a public mobile payment method and a public mobile payment system.
Background
With the development of mobile internet technology, mobile payment is rapidly popularized, electronic money payment is carried out by mobile clients through electronic products such as mobile phones, and a novel payment system is formed by combining mobile electronic equipment, financial institutions and the internet.
The payment system is applied to C-terminal consumption mobile payment, and due to the fact that public mobile payment scenes generally have the characteristics of large amount of money and multi-stage approval, pain points such as high possibility of attack, unsafe fund flow, low multi-stage approval efficiency and the like exist in a mobile payment state, so that mobile payment for B terminals and G terminals in public scenes is still in a blank stage at present, and an effective payment system corresponding to the public mobile payment is lacked.
Disclosure of Invention
In view of this, the invention provides a method and a system for paying for public mobile, which can realize safe and efficient payment for public mobile.
In order to achieve the above purpose, the invention provides the following specific technical scheme:
a method for mobile payment to public applied to a blockchain in a mobile payment system to public, wherein the blockchain comprises a plurality of handling nodes, a plurality of reviewing nodes and a plurality of examining and approving nodes, and the method comprises the following steps:
a target handling node initiates a mobile payment request for a business, wherein the target handling node is any one of the handling nodes, and the mobile payment request for the business carries a CA certificate and payment transaction data of the target handling node;
the target rechecking node and the target examining and approving node corresponding to the payment transaction data verify the CA certificate of the target handling node;
under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node carry out endorsement verification and approval consensus on the payment transaction data;
and the target management node, the target rechecking node and the target examination and approval node store the data contract obtained after examination and approval consensus.
Optionally, after the target handling node initiates a request for mobile payment, the method further includes:
the target management node triggers an approval intelligent contract corresponding to the transaction type of the payment transaction data, and the approval intelligent contract presets a target review node and a target approval node in a target distributed ledger channel corresponding to the transaction type of the payment transaction data and a target approval process corresponding to the transaction type of the payment transaction data.
Optionally, when the target approval process is a multi-stage approval process, the endorsement verification and approval consensus of the payment transaction data by the target handling node, the target rechecking node and the target approval node includes:
and the target handling node, the target rechecking node and the target approval node sequentially verify the CA certificate of an approval initiator in each approval link in the target approval process according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified, wherein the approval initiator comprises the target rechecking node and the target approval node.
Optionally, when the target approval process is a parallel approval process, the endorsement verification and approval consensus of the payment transaction data by the target handling node, the target rechecking node and the target approval node includes:
and the target handling node, the target rechecking node and the target approval node verify the CA certificate of an approval initiator in a parallel approval link in the target approval process according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified, wherein the approval initiator comprises the target rechecking node and the target approval node.
Optionally, the storing, by the target handling node, the target rechecking node, and the target approving node, the data contract obtained after approval consensus includes:
the target handling node, the target rechecking node and the target approval node generate a data contract for the data after approval consensus, generate a unique label for the data contract, pack a plurality of data contracts and corresponding labels to generate a block, generate a unique hash value for the block, and write the hash value into the head of the block.
Optionally, the handling node, the reviewing node and the approving node all have rights corresponding to CA certificates thereof.
Optionally, the method further includes:
and the handling node and/or the rechecking node and/or the approval node accesses the data contract according to the hash value of the block and the label of the data contract by using corresponding authority.
A mobile payment to public system comprising a blockchain comprising a plurality of handling nodes, a plurality of review nodes, and a plurality of approval nodes;
the target management node is any one management node and is used for initiating a mobile payment request for the office, and the mobile payment request for the office carries the CA certificate and the payment transaction data of the target management node;
the target rechecking node and the target approval node corresponding to the payment transaction data are used for verifying the CA certificate of the target handling node;
under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node are used for endorsement verification and approval consensus on the payment transaction data;
the target management node, the target rechecking node and the target examination and approval node are also used for storing the data contract obtained after examination and approval consensus.
Optionally, the target handling node is further configured to trigger an approval intelligent contract corresponding to the transaction type of the payment transaction data, where the approval intelligent contract presets the target review node and the target approval node in the target distributed ledger channel corresponding to the transaction type of the payment transaction data, and a target approval process corresponding to the transaction type of the payment transaction data.
Optionally, when the target approval process is a multi-stage approval process, the target handling node, the target review node, and the target approval node are specifically configured to verify a CA certificate of an approval initiator in each approval link in the target approval process in sequence according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data when the CA certificate of the approval initiator is verified, where the approval initiator includes the target review node and the target approval node.
Optionally, when the target approval process is a parallel approval process, the target handling node, the target review node, and the target approval node are specifically configured to, according to the approval intelligent contract, simultaneously verify a CA certificate of an approval initiator in a parallel approval link in the target approval process, and simultaneously perform endorsement verification and approval consensus on the payment transaction data when the CA certificate of the approval initiator is verified, where the approval initiator includes the target review node and the target approval node.
Optionally, the target handling node, the target review node, and the target approval node are specifically configured to generate a data contract for the data after approval and consensus, generate a unique tag for the data contract, package a plurality of data contracts and corresponding tags to generate a block, generate a unique hash value for the block, and write the hash value into the head of the block.
Optionally, the handling node, the reviewing node and the approving node all have rights corresponding to CA certificates thereof.
Optionally, the handling node and/or the reviewing node and/or the approving node are further configured to access the data contract according to the hash value of the block and the label of the data contract by using a corresponding right.
Compared with the prior art, the invention has the following beneficial effects:
the invention discloses a mobile payment method for public affairs, which realizes mobile payment for public affairs by using a block chain constructed by an office node, a rechecking node and an approval node, ensures the reliability of a transaction source by verifying a CA (certificate authority) of the office node, carries out endorsement verification and approval consensus on payment transaction data by the office node, the rechecking node and the approval node on the basis of passing the verification of the CA certificate, ensures the safety of mobile payment for public affairs, and improves the efficiency of mobile payment for public affairs by using the block chain to realize automatic mobile payment for public affairs.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart of a method for paying public mobile according to an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating data storage of a payment transaction according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a public mobile payment system 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 derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment discloses an on-line mobile payment method, which is applied to a block chain in an on-line mobile payment system, wherein the block chain comprises a plurality of handling nodes, a plurality of rechecking nodes and a plurality of examining and approving nodes, and the handling nodes are mobile terminals of on-line mobile payment clients, such as smart phones, notebook computers, tablet computers, PDAs and other smart devices. Specifically, referring to fig. 1, the public mobile payment method disclosed in this embodiment includes the following steps:
s101: a target handling node initiates a mobile payment request for a business, wherein the target handling node is any one of the handling nodes, and the mobile payment request for the business carries a CA certificate and payment transaction data of the target handling node;
it should be noted that, when the handling node, the rechecking node, and the approval node are added to the block chain, a CA certificate representing their own identity is obtained, and when the target handling node initiates a request for mobile payment, the target handling node needs to carry its own CA certificate, which is convenient for other nodes in the block chain to perform identity authentication on the target handling node.
S102: the target rechecking node and the target examining and approving node corresponding to the payment transaction data verify the CA certificate of the target handling node;
in order to ensure the privacy of the data related to the mobile payment initiated by the target handling node, the data is only required to be approved by the review node and the approval node corresponding to the payment transaction data, so that other nodes are prevented from accessing the data related to the mobile payment initiated by the target handling node.
Specifically, review nodes and approval nodes corresponding to different transaction types can be preset. For example, by creating a corresponding examination and approval intelligent contract for each transaction type, the examination and approval intelligent contract sets a target review node and a target examination and approval node in a target distributed ledger channel corresponding to the transaction type.
Optionally, the target rechecking node and the target approval node corresponding to different transaction types may be set in the consensus algorithm, and the different transaction types call the corresponding consensus algorithm, so that the target rechecking node and the target approval node set by the consensus algorithm participate in the approval consensus.
The CA certificate integrates various cryptographic algorithms, such as a message digest algorithm, a symmetric encryption algorithm, an asymmetric encryption algorithm, a digital signature algorithm and the like, and the verification process of the CA certificate actually verifies and signs the public key of the CA certificate.
S103: under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node carry out endorsement verification and approval consensus on the payment transaction data;
specifically, the approval process may be divided into two types, one is a multi-stage approval process, and the other is a parallel approval process.
In order to facilitate the automatic execution of the approval process, a target approval process is set in the approval intelligent contracts corresponding to the different transaction types.
It should be noted that, regardless of the multi-stage approval process or the parallel approval process, the approval initiator may be a target review node or a target approval node, when the approval transaction is initiated in a transaction form, other nodes need to verify the CA certificate of the approval initiator, and when the CA certificate of the approval initiator is verified, the payment transaction data is endorsed and approved, so as to ensure the reliability of the transaction source, and further ensure the security, reliability and uniqueness of the transaction initiator at each time in the process from the initiation of the payment transaction by the handling node to the approval of the transaction data by all levels of approval nodes.
Taking the target rechecking node as an approval initiator, when the target rechecking node initiates approval transaction in a transaction form, the target handling node and the target approval node verify the CA certificate of the target rechecking node, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the target rechecking node is verified.
And when the target approval process is a multi-stage approval process, the target handling node, the target rechecking node and the target approval node verify the CA certificate of an approval initiator in each approval link in the target approval process in sequence according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified.
And when the target approval process is a parallel approval process, the target handling node, the target rechecking node and the target approval node verify the CA certificate of an approval initiator in a parallel approval link in the target approval process according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified.
S104: and the target management node, the target rechecking node and the target examination and approval node store the data contract obtained after examination and approval consensus.
The target handling node, the target rechecking node and the target approval node generate a data contract for the data after approval consensus, generate a unique label for the data contract, pack a plurality of data contracts and corresponding labels to generate a block, generate a unique hash value for the block, and write the hash value into the head of the block. As shown in fig. 2, the payment to the public transaction initiated by the office node a, the office node B, the office node C and the office node D are stored in block n, block n +1, block n +2 and block n +3, respectively.
Further, in order to improve the security of blockchain access, the handling node, the reviewing node and the approving node all have the authority corresponding to the CA certificate thereof.
On this basis, the handling node and/or the review node and/or the approval node accesses the data contract according to the hash value of the block and the label of the data contract by using the corresponding authority, so that the data security traceability on the block chain is realized.
According to the mobile payment method for the public affairs, the mobile payment for the public affairs is achieved through the block chain which is composed of the handling node, the rechecking node and the examining and approving node, the reliability of the transaction source is guaranteed through verification of the CA certificate of the handling node, on the basis that the CA certificate passes verification, endorsement verification and examining and approving consensus are conducted on payment transaction data through the handling node, the rechecking node and the examining and approving node, the safety of mobile payment for the public affairs is guaranteed, and the efficiency of mobile payment for the public affairs is improved through automation of mobile payment achieved through the block chain.
Based on the method for mobile payment to public disclosed in the above embodiments, the embodiment correspondingly discloses a mobile payment to public system, please refer to fig. 3, the mobile payment to public system includes a block chain, the block chain includes a plurality of handling nodes, a plurality of review nodes and a plurality of approval nodes;
the target management node is any one management node and is used for initiating a mobile payment request for the office, and the mobile payment request for the office carries the CA certificate and the payment transaction data of the target management node;
the target rechecking node and the target approval node corresponding to the payment transaction data are used for verifying the CA certificate of the target handling node;
under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node are used for endorsement verification and approval consensus on the payment transaction data;
the target management node, the target rechecking node and the target examination and approval node are also used for storing the data contract obtained after examination and approval consensus.
Optionally, the target handling node is further configured to trigger an approval intelligent contract corresponding to the transaction type of the payment transaction data, where the approval intelligent contract presets the target review node and the target approval node in the target distributed ledger channel corresponding to the transaction type of the payment transaction data, and a target approval process corresponding to the transaction type of the payment transaction data.
Optionally, when the target approval process is a multi-stage approval process, the target handling node, the target review node, and the target approval node are specifically configured to verify a CA certificate of an approval initiator in each approval link in the target approval process in sequence according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data when the CA certificate of the approval initiator is verified, where the approval initiator includes the target review node and the target approval node.
Optionally, when the target approval process is a parallel approval process, the target handling node, the target review node, and the target approval node are specifically configured to, according to the approval intelligent contract, simultaneously verify a CA certificate of an approval initiator in a parallel approval link in the target approval process, and simultaneously perform endorsement verification and approval consensus on the payment transaction data when the CA certificate of the approval initiator is verified, where the approval initiator includes the target review node and the target approval node.
Optionally, the target handling node, the target review node, and the target approval node are specifically configured to generate a data contract for the data after approval and consensus, generate a unique tag for the data contract, package a plurality of data contracts and corresponding tags to generate a block, generate a unique hash value for the block, and write the hash value into the head of the block.
Optionally, the handling node, the reviewing node and the approving node all have rights corresponding to CA certificates thereof.
Optionally, the handling node and/or the reviewing node and/or the approving node are further configured to access the data contract according to the hash value of the block and the label of the data contract by using a corresponding right.
According to the mobile payment system for the public affairs, the mobile payment for the public affairs is achieved through the block chain formed by the handling node, the rechecking node and the examining and approving node, the reliability of a transaction source is guaranteed through verification of a CA (certificate Authority) of the handling node, and on the basis that the CA certificate is verified, endorsement verification and examining and approving consensus are conducted on payment transaction data through the handling node, the rechecking node and the examining and approving node, so that the safety of mobile payment for the public affairs is guaranteed, and the efficiency of mobile payment for the public affairs is improved through automation of the block chain.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for mobile payment to public, applied to a blockchain in a mobile payment system to public, wherein the blockchain comprises a plurality of handling nodes, a plurality of reviewing nodes and a plurality of examining and approving nodes, and the method comprises the following steps:
a target handling node initiates a mobile payment request for a business, wherein the target handling node is any one of the handling nodes, and the mobile payment request for the business carries a CA certificate and payment transaction data of the target handling node;
the target rechecking node and the target examining and approving node corresponding to the payment transaction data verify the CA certificate of the target handling node;
under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node carry out endorsement verification and approval consensus on the payment transaction data;
and the target management node, the target rechecking node and the target examination and approval node store the data contract obtained after examination and approval consensus.
2. The method of claim 1, wherein after the target sponsor node initiates a request for mobile payments for public, the method further comprises:
the target management node triggers an approval intelligent contract corresponding to the transaction type of the payment transaction data, and the approval intelligent contract presets a target review node and a target approval node in a target distributed ledger channel corresponding to the transaction type of the payment transaction data and a target approval process corresponding to the transaction type of the payment transaction data.
3. The method of claim 2, wherein when the target approval process is a multi-stage approval process, the target handling node, the target review node, and the target approval node endorse verification and approval consensus on the payment transaction data, comprising:
and the target handling node, the target rechecking node and the target approval node sequentially verify the CA certificate of an approval initiator in each approval link in the target approval process according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified, wherein the approval initiator comprises the target rechecking node and the target approval node.
4. The method of claim 2, wherein when the target approval process is a parallel approval process, the target handling node, the target review node, and the target approval node endorse verification and approval consensus on the payment transaction data, comprising:
and the target handling node, the target rechecking node and the target approval node verify the CA certificate of an approval initiator in a parallel approval link in the target approval process according to the approval intelligent contract, and perform endorsement verification and approval consensus on the payment transaction data under the condition that the CA certificate of the approval initiator is verified, wherein the approval initiator comprises the target rechecking node and the target approval node.
5. The method of claim 2, wherein the storing of the data contract obtained after approval consensus by the target handling node, the target review node and the target approval node comprises:
the target handling node, the target rechecking node and the target approval node generate a data contract for the data after approval consensus, generate a unique label for the data contract, pack a plurality of data contracts and corresponding labels to generate a block, generate a unique hash value for the block, and write the hash value into the head of the block.
6. The method of claim 1, wherein the sponsoring node, the reviewing node and the approving node all have rights corresponding to their CA certificates.
7. The method according to claims 5 and 6, further comprising:
and the handling node and/or the rechecking node and/or the approval node accesses the data contract according to the hash value of the block and the label of the data contract by using corresponding authority.
8. A mobile payment to public system comprising a blockchain comprising a plurality of handling nodes, a plurality of review nodes, and a plurality of approval nodes;
the target management node is any one management node and is used for initiating a mobile payment request for the office, and the mobile payment request for the office carries the CA certificate and the payment transaction data of the target management node;
the target rechecking node and the target approval node corresponding to the payment transaction data are used for verifying the CA certificate of the target handling node;
under the condition that the CA certificate of the target handling node passes verification, the target handling node, the target rechecking node and the target approval node are used for endorsement verification and approval consensus on the payment transaction data;
the target management node, the target rechecking node and the target examination and approval node are also used for storing the data contract obtained after examination and approval consensus.
9. The system of claim 8, wherein the target handling node is further configured to trigger an approval smart contract corresponding to the transaction type of the payment transaction data, and the approval smart contract presets the target review node and the target approval node in the target distributed ledger channel corresponding to the transaction type of the payment transaction data and a target approval process corresponding to the transaction type of the payment transaction data.
10. The system according to claim 9, wherein when the target approval process is a multi-stage approval process, the target handling node, the target review node, and the target approval node are specifically configured to, according to the approval intelligent contract, sequentially verify a CA certificate of an approval initiator at each approval link in the target approval process, and perform endorsement verification and approval consensus on the payment transaction data when the CA certificate of the approval initiator is verified, where the approval initiator includes the target review node and the target approval node.
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| CN114565387A (en) * | 2022-03-15 | 2022-05-31 | 湖南三湘银行股份有限公司 | Intelligent public payment system based on block chain accounting |
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| CN111695903B (en) * | 2020-06-24 | 2021-09-14 | 杨刘琴 | Information flow analysis method based on block chain and mobile internet and cloud computing platform |
| CN114565387A (en) * | 2022-03-15 | 2022-05-31 | 湖南三湘银行股份有限公司 | Intelligent public payment system based on block chain accounting |
| CN114565387B (en) * | 2022-03-15 | 2022-10-04 | 湖南三湘银行股份有限公司 | Intelligent public payment system based on block chain accounting |
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