CN111179063A

CN111179063A - Block chain-based credit card service data processing method and system and related nodes

Info

Publication number: CN111179063A
Application number: CN201911414111.6A
Authority: CN
Inventors: 王同庆
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2019-12-31
Filing date: 2019-12-31
Publication date: 2020-05-19
Anticipated expiration: 2039-12-31
Also published as: CN111179063B

Abstract

The invention provides a credit card business data processing method, a system and related nodes based on a block chain, wherein a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the method comprises the following steps: the client side node receives card transaction information of a credit card applicant and sends the card transaction information to the block chain network; the card-opening financial institution node generates a card-handling consensus request according to the card-handling information and sends the card-handling consensus request to the block chain network; the customer side node, the other related financial institution nodes and the at least one payee side node respectively generate customer side node consensus feedback information, other related financial institution node consensus feedback information and at least one payee side node consensus feedback information according to the card transaction consensus request and send the customer side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information to the block chain network; and when the card-opening financial institution node judges that the consensus result of each node passes according to each feedback information, executing card handling operation. The technical scheme realizes the credit card service data processing based on the block chain and ensures the safety of transaction.

Description

Block chain-based credit card service data processing method and system and related nodes

Technical Field

The invention relates to the technical field of data processing, in particular to a method and a system for processing business data of a credit card based on a block chain and a related node.

Background

At present, the fraud molecule can forge false information when applying for bank credit cards, and can apply for a plurality of times among different banks, and a bank system cannot judge whether a credit card applicant is the fraud molecule in real time. In the prior art, criminals generally forge identity information and certificate information of others, and simultaneously apply for a plurality of credit cards in different banks, because the credit card application information among banks is not shared, and cannot be associated with other behaviors of an applicant (such as shopping behaviors), the authenticity of the application information of the criminals cannot be judged, and therefore, the security of credit card transaction data processing cannot be ensured.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the invention provides a credit card business data processing method based on a block chain, which is applied to a system and used for ensuring the safety of transaction, wherein a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the method comprises the following steps:

the method comprises the steps that a client side node receives card transaction information of a credit card applicant and sends the card transaction information to a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

the card opening financial institution node generates a card transacting consensus request according to the card transacting information sent by the client side node through the blockchain network, and sends the card transacting consensus request to the blockchain network;

the client side node, other related financial institution nodes and at least one receiver node respectively generate client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information according to a card transacting consensus request sent by the card-opening financial institution node through the block chain network, and send the client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information to the block chain network;

and the card-opening financial institution node executes card handling operation when judging that the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node pass according to the client side node consensus feedback information, the financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network.

The embodiment of the invention also provides a credit card business data processing method based on the block chain, which is applied to the customer side node and used for ensuring the safety of transaction, wherein the customer side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the method comprises the following steps:

receiving card transaction information of a credit card applicant; wherein the card transacting information includes applicant information and at least one payee information;

sending the card transaction information to a block chain network;

receiving a card transaction consensus request sent by a card opening financial institution node through a block chain network;

generating client side node consensus feedback information according to a card transacting consensus request sent by a card-opening financial institution node through a block chain network;

and sending the client side node consensus feedback information to the block chain network.

The embodiment of the invention also provides a credit card business data processing method based on the block chain, which is applied to the financial institution nodes and used for ensuring the safety of transaction, wherein the client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the method comprises the following steps:

receiving card transaction information sent by a client side node through a block chain network;

generating a card transaction consensus request;

sending the card transaction consensus request to a block chain network;

generating financial institution node consensus feedback information according to the card-handling consensus request;

receiving client side node consensus feedback information, other related financial institution node consensus feedback information and at least one payee side node consensus feedback information which are sent by a client side node, other related financial institution nodes and at least one payee side node through a blockchain network;

and executing card handling operation when judging that the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node pass according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network.

The embodiment of the invention also provides a credit card business data processing method based on the block chain, which is applied to the payee nodes and used for ensuring the safety of transaction, wherein the client nodes, a plurality of financial institution nodes and at least one payee node form a block chain network; the method comprises the following steps:

generating payee node consensus feedback information according to a card transacting consensus request sent by a card-opening financial institution node through a block chain network;

and sending the payee node consensus feedback information to the blockchain network.

The embodiment of the invention also provides a credit card business data processing system based on the block chain, which is used for ensuring the safety of transaction, and the client side node, the plurality of financial institution nodes and at least one payee side node form a block chain network; wherein:

the system comprises a client side node, a block chain network and a block network, wherein the client side node is used for receiving card transaction information of a credit card applicant and sending the card transaction information to the block chain network; generating client side node consensus feedback information according to a card transacting consensus request sent by a financial institution node through a block chain network; sending the client side node consensus feedback information to a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

the financial institution node is used for generating a card transaction consensus request according to the card transaction information sent by the client side node through the blockchain network, and sending the card transaction consensus request to the blockchain network; generating other related financial institution node consensus feedback information according to a card transacting consensus request sent by the card-opening financial institution node through the blockchain network, and sending the other related financial institution node consensus feedback information to the blockchain network; when the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to pass according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network, performing card handling operation;

and the at least one payee node is used for generating at least one payee node consensus feedback information according to the card transaction request sent by the card-opening financial institution node through the blockchain network, and sending the at least one payee node consensus feedback information to the blockchain network.

The embodiment of the invention also provides a client side node based on the block chain, which is used for ensuring the safety of transaction, wherein the client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing client side node comprises:

a first receiving unit for receiving card transaction information of a credit card applicant; receiving a card transaction consensus request sent by a card opening financial institution node through a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

the generating unit is used for generating client side node consensus feedback information according to a card transacting consensus request sent by a card-opening financial institution node through a block chain network;

the first sending unit is used for sending the card transaction information to a block chain network; and sending the client side node consensus feedback information to the block chain network.

The embodiment of the invention also provides a financial institution node based on the block chain, which is used for ensuring the safety of transaction, and the client side node, the plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing financial institution node comprises:

the second receiving unit is used for receiving card transaction information sent by the client side node through the block chain network; receiving client side node consensus feedback information, other related financial institution node consensus feedback information and at least one payee side node consensus feedback information which are sent by a client side node, other related financial institution nodes and at least one payee side node through a blockchain network;

the first processing unit is used for generating a card transaction consensus request;

the second sending unit is used for sending the card transaction consensus request to a block chain network;

the second processing unit is used for generating financial institution node consensus feedback information according to the card-handling consensus request;

and the third processing unit is used for executing card handling operation when the consensus results of the client side node, the other related financial institution nodes and the at least one payee node are judged to pass according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee node through the blockchain network.

The embodiment of the invention also provides a payee node based on the block chain, which is used for ensuring the safety of transaction, and the client node, a plurality of financial institution nodes and at least one payee node form a block chain network; the credit card service data processing payee node based on the block chain comprises the following steps:

the third receiving unit is used for receiving a card transacting consensus request sent by the card opening financial institution node through the block chain network;

the eleventh processing unit is used for generating payee node consensus feedback information according to the card transacting consensus request sent by the card-opening financial institution node through the blockchain network;

and the third sending unit is used for sending the payee node consensus feedback information to the blockchain network.

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 credit card service data processing method based on the block chain 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 above block chain-based credit card service data processing method is stored in the computer-readable storage medium.

In the technical scheme provided by the embodiment of the invention, a client node, a plurality of financial institution nodes and at least one payee node form a block chain network, and the scheme is characterized in that: the method comprises the steps that a client side node receives card transaction information of a credit card applicant and sends the card transaction information to a block chain network; wherein the card transacting information includes applicant information and at least one payee information; the card opening financial institution node generates a card transacting consensus request according to the card transacting information sent by the client side node through the blockchain network, and sends the card transacting consensus request to the blockchain network; the client side node, other related financial institution nodes and at least one receiver node respectively generate client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information according to a card transacting consensus request sent by the card-opening financial institution node through the block chain network, and send the client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information to the block chain network; the card-opening financial institution node executes card handling operation when judging that the consensus results of the client side node, other related financial institution nodes and at least one payee side node pass according to the client side node consensus feedback information, the financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, other related financial institution nodes and the at least one payee side node through the blockchain network, thereby realizing credit card business data processing based on the blockchain, avoiding that fraudulent molecules apply for a plurality of times among different banks in the card handling stage, and ensuring the safety of transaction.

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 flow chart of a block chain-based credit card service data processing method applied to a system in an embodiment of the invention;

FIG. 2 is a block diagram of a credit card service data processing block chain in an embodiment of the invention;

FIG. 3 is a block diagram of a credit card service data processing block chain according to yet another embodiment of the present invention;

FIG. 4 is a schematic diagram illustrating a block chain based card issuing process according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of block chain-based transfer service application processing in an embodiment of the present invention;

FIG. 6 is a schematic diagram of block chain-based payment service application processing in an embodiment of the present invention;

fig. 7 is a schematic diagram of a block chain-based withdrawal service application process in the embodiment of the present invention;

FIG. 8 is a schematic diagram of a block chain based verification payee process in an embodiment of the invention;

FIG. 9 is a schematic diagram of block chain based authenticated merchant processing in an embodiment of the present invention;

FIG. 10 is a schematic diagram of block chain based credit card service data processing in an embodiment of the present invention;

FIG. 11 is a flowchart illustrating a block chain based credit card service data processing method applied to a client node according to an embodiment of the present invention;

FIG. 12 is a flowchart illustrating a block-chain-based credit card transaction data processing method applied to a financial institution node according to an embodiment of the present invention;

FIG. 13 is a flowchart illustrating a block chain based credit card transaction data processing method applied to a payee node according to an embodiment of the present invention;

FIG. 14 is a block chain based architecture diagram of a credit card service data processing system in an embodiment of the present invention;

FIG. 15 is a block chain-based architecture diagram of a credit card service data processing client node in an embodiment of the present invention;

FIG. 16 is a block chain-based architecture diagram of a credit card service data processing financial institution node in an embodiment of the invention;

fig. 17 is a schematic structural diagram of a block chain-based credit card service data processing payee node in the 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.

Fig. 1 is a schematic flow chart of a block chain-based method for processing credit card service data according to an embodiment of the present invention, where the block chain-based method for processing credit card service data is applied to a system, and a client node, a plurality of financial institution nodes, and at least one payee node form a block chain network, as shown in fig. 1, the block chain-based method for processing credit card service data includes the following steps:

step 101: the method comprises the steps that a client side node receives card transaction information of a credit card applicant and sends the card transaction information to a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

step 102: the card opening financial institution node generates a card transacting consensus request according to the card transacting information sent by the client side node through the blockchain network, and sends the card transacting consensus request to the blockchain network;

step 103: the client side node, other related financial institution nodes and at least one receiver node respectively generate client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information according to a card transacting consensus request sent by the card-opening financial institution node through the block chain network, and send the client side node consensus feedback information, other related financial institution node consensus feedback information and at least one receiver node consensus feedback information to the block chain network;

step 104: and the card-opening financial institution node executes card handling operation when judging that the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node pass according to the client side node consensus feedback information, the financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network.

In one embodiment, the block chain-based credit card service data processing method may further include:

the credit card applicant is added into a blacklist by the open card financial institution node when the consensus feedback results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to be failed according to the client side node consensus feedback information, the financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network; the blacklist is used for storing information of credit card fraud molecules, and the blacklist is stored in a distributed account book of the block chain network.

When the method is specifically implemented, the fraud molecules can be quickly identified, and the safety of the transaction is further ensured.

The inventors have also found a technical problem: when the credit card of the bank client is lost, the fraud numerator can embezzle, pay and cash the credit card, and the bank system can not judge whether the payer is fraudulent in real time. Therefore, in view of this technical problem, the present invention proposes the following technical solutions.

a client side node receives a business transaction application initiated by a card holder and sends the business transaction application to a block chain network;

the financial institution node generates an identity characteristic identification consensus request according to a business transaction application sent by a client side node through a blockchain network, and sends the identity characteristic identification consensus request to the blockchain network;

the method comprises the steps that a client side node acquires identity characteristic information of a card holder according to an identity characteristic identification consensus request sent by a financial institution node through a block chain network, and sends the identity characteristic information of the card holder to the block chain network;

and when the financial institution node judges that the identification result is failed according to the identification characteristic information of the card holder, which is sent by the client side node through the blockchain network, the financial institution node executes credit processing operation of the card holder and freezes account processing operation of the card holder.

When the method is implemented, the above embodiment ensures the security of the transaction when the credit card of the bank client is lost. The service transaction application may include a service transaction application such as a transfer, a payment and a withdrawal as described below.

The inventors have also found a technical problem: the fraudulent party may induce the bank credit card customer to transfer to the fraudulent party collection account, for example, by impersonating the parent and having the credit card customer transfer to the criminal account, the collection account cannot confirm the identity, and the bank system cannot determine whether the recipient is a fraudulent party. Therefore, in consideration of the following technical problems, the inventors propose a technical solution of verifying a payee (who may include a payee, i.e., a natural person, a merchant, and the like) as follows.

when the payee is a payee, the financial institution node generates a payee identity characteristic identification consensus request and sends the payee identity characteristic identification consensus request to the block chain network;

the method comprises the steps that a payee node acquires identity characteristic information of a payee according to a payee identity characteristic identification consensus request sent by a financial institution node through a block chain network, and sends the identity characteristic information of the payee to the block chain network;

and the financial institution node executes the credit processing operation of the payee and the processing operation of freezing the account of the payee when judging that the identification result is failed according to the identification characteristic information of the payee, which is sent by the payee node through the block chain network.

when the payee is a merchant, the financial institution node generates a merchant legality consensus request and sends the merchant legality consensus request to the block chain network;

the payee node acquires the legality certification information of the merchant according to a merchant legality consensus request sent by the financial institution node through the blockchain network, and sends the legality certification information of the merchant to the blockchain network;

and the financial institution node executes merchant credit processing operation and merchant account freezing processing operation when judging that the merchant verification result is not passed according to the merchant legality certification information sent by the payee node through the block chain network.

When the method is specifically implemented, the fraud molecules are prevented from inducing the bank credit card customers to transfer to fraud molecule collection accounts, and the safety of transaction is further ensured.

To facilitate an understanding of how the invention may be practiced, it is illustrated below in conjunction with fig. 2-10.

The embodiment of the invention adopts a distributed account book and a consensus mechanism of block chains, the block chains are established among payers, banks, merchants and payees, customer information and blacklists are shared among nodes, and fraud molecules are rapidly identified; in the credit card application, transfer, payment and cash withdrawal transaction, the identity of the applicant, the payer and the payee is confirmed, and the safety of the bank system is improved.

The technical effects are as follows: the invention adopts the distributed account book and the consensus mechanism of the block chain, thereby improving the efficiency of the bank system for identifying the cheating molecules; the invention confirms the identity of the applicant, the payer and the payee in the credit card application, transfer, payment and cash withdrawal transactions, and improves the safety of the bank system.

The following describes the transaction flow:

first, a process of establishing a block chain is described.

1. The block chain schematic diagram of the applicant transacting the card through the customer side node is as shown in fig. 2, the block chain is established, if the customer is not the credit card cardholder of the bank, the customer firstly applies for issuing the card to become the cardholder of the bank, and the bank system establishes the block chain among the applicant, the bank, the merchant and the payee.

2. The block chain schematic diagram of the card holder transacting the card through the client side node is shown in fig. 3, the block chain is established, if the client is a credit card holder of a bank, and when the client card holder performs account transfer, payment and cash withdrawal, a bank system establishes the block chain among the card holder, the bank, a merchant and a payee.

Secondly, a processing scheme is introduced to avoid fraud at the card issuing stage.

In particular, as shown in FIG. 4, a credit card applicant initiates an issuing application to a bank. When a customer applies to a bank to become a credit card holder, the bank requires the customer to submit information of a shopping merchant and a payee, a credit card applicant submits the information of the shopping merchant and the payee, a bank system establishes a block chain of the credit card applicant, the bank, the merchant and the payee, the bank system initiates an application consensus action among the credit card applicant, the bank, the merchant and the payee, then judges whether the consensus is approved or not, if the consensus is approved, the customer is informed that the application is approved, the customer identity information and a credit record are recorded in a distributed account book, and the customer becomes a bank credit card holder. If the consensus action is rejected, the client is notified that the application is rejected, the client identity information, and a credit blacklist are entered into the distributed ledger.

In specific implementation, the merchant and the payee can determine several common conditions, such as jingdong, panning, how many and beautiful groups are pieced together, how hungry and the like, when the payee and the merchant exceed the range, dynamic information binding confirmation is performed, the information of the merchant and the payee is added into the block chain node, and the fact that the merchant and the payee are trustable is determined.

In the specific implementation, the credit card applicant determines an application bank, a common merchant and a common payee in the card issuing stage, the bank confirms the authenticity of the merchant and the payee, if the consumption record of the applicant is real, the identity, the address information and the like are correct, the identity information of the payee is real, the applicant and the payee generate more real bank transfer records, and the applicant and the payee are not on a fraud blacklist of a person and a third party company, the applicant is confirmed to be legal, otherwise, the applicant and the payee are considered to have fraud behaviors and are handed to a public security organ. That is, in one embodiment, the card transaction information may further include business transaction records such as true bank transfer and the like generated by the applicant and the payee, so that subsequent consensus action is more accurate, and the security of the transaction is further improved.

In practice, several common choices of customers may be provided, such as jingdong, naobao, how many and beautiful groups are pieced together, how hungry, etc., and if this is exceeded, confirmation of the authenticity of the merchant is required. The customer submits a consumption record, identity document information and home address information at the merchant. The payee submits information such as identity document information, home address information, and a relationship with the payee.

When the method is specifically implemented, the consumption record, the identity document information, the family address information, the payee identity and the address information provided by the applicant at the merchant cannot be confirmed by the merchant and the payee, so that the fraudulent behavior is considered to exist, and the identity information of the applicant is recorded in a blacklist.

Thirdly, introducing the steps of the cardholder initiating the business transaction application.

In particular, the business transaction application may include transfer, payment, cash withdrawal, and the like. One for each will be described below.

1. First, a process of applying for a transaction of a transfer service is introduced.

In specific implementation, as shown in fig. 5, a credit card holder initiates a transfer application to a bank, the bank initiates a fingerprint or face recognition consensus action to the card holder (the consensus action is mainly to confirm that the application information such as the identity and address of an applicant is real, and fingerprint recognition, face recognition, voice recognition, palm vein recognition and iris recognition can be applied to the consensus action), the card holder inputs a fingerprint or performs face recognition, the bank verifies the client identity information such as the fingerprint and face through a distributed account book, and judges whether the identity information of the card holder passes verification, and the inquiry result is that the card holder belongs to a blacklist (the blacklist contains identification information such as identity certificate information, fingerprint, face and voice, address information and telephone number information, which can be obtained from people's bank and third-party data companies and then is recorded into the system, and the identity of a newly recognized fraud molecule is recorded, Address, telephone, etc. information is also entered into the system), the cardholder is notified that payment is denied, the cardholder's credit blacklist is entered into the distributed ledger, and the cardholder's account is frozen. If the cardholder information passes the verification, the subsequent steps of verifying the validity of the payee and further ensuring the safe transaction can be carried out.

2. The process of payment transaction application is then described.

In specific implementation, as shown in fig. 6, a credit card holder initiates a payment application to a merchant (for example, the card holder purchases goods on a treasure collecting network, the treasure collecting network has been added with a local block chain system, a bank initiates a fingerprint or face recognition consensus action to the treasure collecting network, the card holder inputs a fingerprint or dynamically rotates a face, the bank performs identity confirmation, verification fails by allowing the card holder to pay, verification fails, the fingerprint and the face are different from those of the card holder during the application, payment is rejected, and the fingerprint and the face information are recorded into a blacklist), the bank initiates a fingerprint or face recognition consensus action to the card holder, the card holder inputs a fingerprint or performs face recognition, the bank verifies the fingerprint and the face of the customer identity information through a distributed account book, judges whether the identity information of the card holder passes verification, and informs the card holder that the payment is rejected if the query result is that the card holder belongs to the blacklist, and the card holder records the credit blacklist into the, the cardholder payment account is frozen. And if the cardholder information passes the verification, verifying the validity of the merchant.

3. The process of the cash withdrawal business transaction application is then described.

In specific implementation, as shown in fig. 7, a credit cardholder initiates a cash withdrawal application to a bank, the bank initiates a fingerprint or face recognition consensus action to the cardholder, the cardholder inputs a fingerprint or performs face recognition, the bank verifies client identity information such as a fingerprint and a face through a distributed account book, and determines whether the verification passes, if the verification passes, the cash withdrawal application of the cardholder is approved, a credit record is recorded in the distributed account book, and the bank provides cash to the cardholder. If the cardholder belongs to the blacklist, the client is informed that cash withdrawal is rejected, the credit blacklist is logged into a distributed account book, and the account of the cardholder is frozen.

Fourth, next, the step of verifying the payee is introduced.

In particular implementations, the payee may be an entity such as a merchant, or may be a natural person such as a particular payee. One for each will be described below.

1. First, a verification payee is introduced.

In specific implementation, as shown in fig. 8, validity of a payee is verified, whether payee information exists in the distributed account book is inquired, and if the payee information corresponding to the payer exists, a bank requires the payee to input a fingerprint or perform face recognition; if no payee information corresponding to the payer exists, the bank initiates a fingerprint or face recognition consensus action to the payee; the method comprises the steps that a payee inputs a fingerprint or carries out face recognition, a bank verifies the identity information of the payee such as the fingerprint and the face through a distributed account book, then whether verification is passed is judged, if the verification of the information of the payee is passed, the payee receives an approval, and a credit record is recorded in the distributed account book; if the payee belongs to the blacklist, the payee is notified that the payee is denied, the credit blacklist is posted to the distributed ledger, the payee account is frozen, the payer is notified that the payee is fraudulent, and the bank returns the funds to the payer.

2. Authenticating the merchant is then described.

In particular, as shown in fig. 9, the validity of the merchant is verified. Inquiring whether the distributed account book has merchant information, and if the merchant information corresponding to the payer exists, the bank requires the merchant to provide legal certification information; if the merchant information corresponding to the payer does not exist, the bank initiates a merchant legal information consensus action to the merchant and the payer; the merchant provides legal certification information, the bank verifies the legal information of the merchant through the distributed account book and then judges whether the verification is passed, if the legal information of the merchant passes the verification, the merchant is approved to collect money, and credit records are recorded in the distributed account book; if the merchant belongs to the blacklist, the merchant is informed that the collection is rejected, the credit blacklist is recorded in a distributed account book, the account of the merchant is frozen, the payer is informed that the merchant is fraudulent, and the bank returns the funds to the payer.

In specific implementation, for example, when verifying the validity of a merchant, checking whether registration information such as an organization code, a legal representative, and a company name of the merchant exists in a distributed account book, if the information such as the organization code of the payee merchant does not exist in the distributed account book, indicating that the payee merchant is different from the application, rejecting payment, and recording the organization code, the legal representative, and the company name information of the payee merchant in a blacklist.

Fifth, in order to facilitate understanding of how the present invention is implemented, a block chain-based credit card service data processing scheme will be described in the point of view of the overall scheme.

In specific implementation, as shown in fig. 10, the embodiment of the present invention mainly includes the following four modules:

1. a consensus action initiating module: the module is used for carrying out consensus action on banks, cardholders (application), merchants and payees and collecting shared information. Specifically, the module receives account information of the bank, identity information of the cardholder (application) (identification card, fingerprint, face information), account and legal certification information of the merchant (legal representative information, business license information, organization code), payee (identification card, fingerprint, face information) information. And then the information is transmitted to a distributed account book storage module.

2. Distributed account book storage module: the module is used for storing information of banks, cardholders (application), merchants and payees in a distributed account book. Specifically, the module stores account information of a bank, identity information of a cardholder (application) (identification card, fingerprint, face information), account and legal certification information of a merchant (legal representative information, business license information, organization code), and payee (identification card, fingerprint, face information) information into a distributed account book (file, database) of each node.

3. Distributed account book inquiry module: the module is used for inquiring information of banks, (application) cardholders, merchants and payees from the distributed account book. Specifically, the module queries the distributed account book (document, database) based on the account information of the bank, the identity information of the cardholder (application) (identification card, fingerprint, face information), the account and legal certification information of the merchant (legal representative information, business license information, organization code), and the payee (identification card, fingerprint, face information) information. And returning the information to the distributed account book verification module to judge whether the information exists.

4. Distributed account book verification module: the module is used for applying for the verification of information of banks, cardholders, merchants and payees. Specifically, the module calls a distributed account book query module to judge (apply for) whether identity information (an identity card, a fingerprint and face information) of a card holder, account and legal certification information (legal representative information, business license information and organization codes) of a merchant and a payee (an identity card, a fingerprint and face information) are correct or not, if the information exists in the distributed account book, the information is correct, and if the information does not exist in the distributed account book, the information is wrong, and related transactions are suspected of being fraudulent.

In specific implementation, the four modules can be involved in each node.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing method applied to a client node, as described in the following embodiments. The principle of solving the problem of the block chain-based credit card service data processing method applied to the client side node is similar to that of the block chain-based credit card service data processing method applied to the system, so the block chain-based credit card service data processing method applied to the client side node can be implemented by referring to the block chain-based credit card service data processing method applied to the system, and repeated parts are not described again. 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 flow chart of a method for processing data of a blockchain-based credit card service applied to a client node, the client node, a plurality of financial institution nodes and at least one payee node forming a blockchain network according to an embodiment of the present invention; as shown in fig. 11, the method includes the steps of:

step 201: receiving card transaction information of a credit card applicant; wherein the card transacting information includes applicant information and at least one payee information;

step 202: sending the card transaction information to a block chain network;

step 203: receiving a card transaction consensus request sent by a card opening financial institution node through a block chain network;

step 204: generating client side node consensus feedback information according to a card transacting consensus request sent by a card-opening financial institution node through a block chain network;

step 205: and sending the client side node consensus feedback information to the block chain network.

In one embodiment, the block chain based credit card service data processing method applied to the client side node further comprises:

receiving a business transaction application initiated by a cardholder;

sending the service transaction application to a block chain network;

receiving an identity characteristic identification consensus request sent by a financial institution node through a block chain network;

acquiring identity characteristic information of a card holder according to an identity characteristic identification consensus request sent by a financial institution node through a block chain network;

and sending the identity characteristic information of the card holder to a block chain network.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing method applied to a financial institution node, as described in the following embodiments. The principle of solving the problems of the block chain-based credit card business data processing method applied to the financial institution node is similar to that of the block chain-based credit card business data processing method applied to the system, so the block chain-based credit card business data processing method applied to the financial institution node can be implemented by referring to the block chain-based credit card business data processing method applied to the system, and repeated parts 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. 12 is a schematic flow chart of a block-chain-based credit card transaction data processing method applied to financial institution nodes, in which a client node, a plurality of financial institution nodes and at least one payee node form a block-chain network; as shown in fig. 12, the method includes the steps of:

step 301: receiving card transaction information sent by a client side node through a block chain network;

step 302: generating a card transaction consensus request;

step 303: sending the card transaction consensus request to a block chain network;

step 304: generating financial institution node consensus feedback information according to the card-handling consensus request;

step 305: receiving client side node consensus feedback information, other related financial institution node consensus feedback information and at least one payee side node consensus feedback information which are sent by a client side node, other related financial institution nodes and at least one payee side node through a blockchain network;

step 306: and executing card handling operation when judging that the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node pass according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network.

In one embodiment, the block chain-based credit card service data processing method applied to the financial institution node further comprises:

when the consensus feedback results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to be failed according to the client side node consensus feedback information, the financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network, the credit card applicant is added into a blacklist; the blacklist is used for storing information of credit card fraud molecules, and the blacklist is stored in a distributed account book of the block chain network.

receiving a service transaction application sent by a client side node through a blockchain network;

generating an identity characteristic identification consensus request according to a service transaction application sent by a client side node through a blockchain network;

sending the identity characteristic identification consensus request to a block chain network;

and when the identity characteristic identification result is judged to be failed according to the identity characteristic information of the card holder, which is sent by the client side node through the blockchain network, executing credit processing operation of the card holder and freezing account processing operation of the card holder.

when the payee is a payee, generating a payee identity feature identification consensus request;

sending the payee identity feature identification consensus request to a block chain network;

receiving identity characteristic information of a payee, which is sent by a payee node through a block chain network;

and when the identity characteristic recognition result is judged to be failed according to the identity characteristic information of the payee, which is sent by the payee node through the block chain network, executing the credit processing operation of the payee and freezing the account processing operation of the payee.

when the payee is a merchant, generating a merchant legality consensus request;

sending the merchant legality consensus request to a block chain network;

receiving legality proving information of the commercial tenant sent by a payee node through a block chain network;

and executing merchant credit processing operation and merchant account freezing processing operation when the merchant verification result is judged to be failed according to the merchant legality certification information sent by the payee node through the block chain network.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing method applied to the payee node, as described in the following embodiments. The principle of solving the problems of the block chain-based credit card business data processing method applied to the payee node is similar to the block chain-based credit card business data processing method applied to the system, so the block chain-based credit card business data processing method applied to the payee node can be implemented by referring to the block chain-based credit card business data processing method applied to the system, and repeated parts are not described again. 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. 13 is a schematic flow chart of a block-chain-based credit card transaction data processing method applied to payee nodes, where a client node, a plurality of financial institution nodes, and at least one payee node form a block-chain network, according to an embodiment of the present invention; as shown in fig. 13, the method includes the steps of:

step 401: receiving a card transaction consensus request sent by a card opening financial institution node through a block chain network;

step 402: generating payee node consensus feedback information according to a card transacting consensus request sent by a card-opening financial institution node through a block chain network;

step 403: and sending the payee node consensus feedback information to the blockchain network.

In one embodiment, the block chain-based credit card service data processing method applied to the payee node further includes:

receiving a payee identity characteristic identification consensus request sent by a financial institution node through a block chain network;

acquiring identity characteristic information of a payee according to a payee identity characteristic identification consensus request sent by a financial institution node through a blockchain network;

and sending the identity characteristic information of the payee to a block chain network.

receiving a merchant legality consensus request sent by a financial institution node through a block chain network;

acquiring legality certification information of a merchant according to a merchant legality consensus request sent by a financial institution node through a block chain network;

and sending the legality proving information of the commercial tenant to a block chain network.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing system, as described in the following embodiments. Because the principle of solving the problem of the block chain-based credit card service data processing system is similar to the block chain-based credit card service data processing method applied to the system, the block chain-based credit card service data processing system can be implemented by referring to the block chain-based credit card service data processing method applied to the system, and repeated parts are not described again. 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. 14 is a block-chain based architecture diagram of a credit card transaction data processing system in an embodiment of the invention, a client node, a plurality of financial institution nodes, and at least one payee node forming a block-chain network; as shown in fig. 14, wherein:

the client side node 01 is used for receiving card transaction information of a credit card applicant and sending the card transaction information to the block chain network; generating client side node consensus feedback information according to a card transacting consensus request sent by a financial institution node through a block chain network; sending the client side node consensus feedback information to a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

each financial institution node 02 is used for generating a card transaction consensus request according to the card transaction information sent by the client side node through the blockchain network, and sending the card transaction consensus request to the blockchain network; generating other related financial institution node consensus feedback information according to a card transacting consensus request sent by the card-opening financial institution node through the blockchain network, and sending the other related financial institution node consensus feedback information to the blockchain network; when the consensus results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to pass according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network, performing card handling operation;

and the at least one payee node 03 is used for generating at least one payee node consensus feedback information according to the card transaction request sent by the card-opening financial institution node through the blockchain network, and sending the at least one payee node consensus feedback information to the blockchain network.

In one embodiment, the financial institution node is further for: when the consensus feedback results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to be failed according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network, the credit card applicant is added into a blacklist; the blacklist is used for storing information of credit card fraud molecules, and the blacklist is stored in a distributed account book of the block chain network.

In one embodiment, the client node is further configured to: receiving a business transaction application initiated by a cardholder, and sending the business transaction application to a block chain network; acquiring identity characteristic information of a card holder according to an identity characteristic identification consensus request sent by a financial institution node through a block chain network, and sending the identity characteristic information of the card holder to the block chain network;

the financial institution node is further configured to: generating an identity characteristic identification consensus request according to a service transaction application sent by a client side node through a blockchain network, and sending the identity characteristic identification consensus request to the blockchain network; and when the identity characteristic identification result is judged to be failed according to the identity characteristic information of the card holder, which is sent by the client side node through the blockchain network, executing credit processing operation of the card holder and freezing account processing operation of the card holder.

In one embodiment, the financial institution node is further for: when the payee is a payee, generating a payee identity characteristic identification consensus request, and sending the payee identity characteristic identification consensus request to a block chain network; when the identity characteristic recognition result is judged to be failed according to the identity characteristic information of the payee, which is sent by the payee node through the block chain network, the credit processing operation of the payee and the account processing operation of the frozen payee are executed;

the payee node is further configured to: according to a payee identity characteristic identification consensus request sent by a financial institution node through a block chain network, identity characteristic information of a payee is obtained, and the identity characteristic information of the payee is sent to the block chain network.

In one embodiment, the financial institution node is further for: when the payee is a merchant, generating a merchant legality consensus request, and sending the merchant legality consensus request to a block chain network; executing merchant credit processing operation and merchant account freezing processing operation when the merchant verification result is judged to be failed according to the merchant validity certification information sent by the payee node through the block chain network;

the payee node is further configured to: according to a merchant legality consensus request sent by a financial institution node through a block chain network, acquiring legality certification information of a merchant, and sending the legality certification information of the merchant to the block chain network.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing client side node, as described in the following embodiments. Because the principle of solving the problem of the credit card service data processing client side node based on the block chain is similar to the credit card service data processing method based on the block chain, the implementation of the credit card service data processing client side node based on the block chain can refer to the implementation of the credit card service data processing method based on the block chain applied to the system, and repeated parts 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. 15 is a block-chain based data processing for credit card transactions for a customer node, the customer node, a plurality of financial institution nodes, and at least one payee node forming a block-chain network, in accordance with an embodiment of the present invention; as shown in fig. 15, the client-side node includes:

a first receiving unit 011 for receiving card-transacting information of a credit card applicant; receiving a card transaction consensus request sent by a card opening financial institution node through a block chain network; wherein the card transacting information includes applicant information and at least one payee information;

a generating unit 012, configured to generate client node consensus feedback information according to a card transaction consensus request sent by a card-opening financial institution node through a blockchain network;

a first sending unit 013, configured to send the card transaction information to a blockchain network; and sending the client side node consensus feedback information to the block chain network.

In one embodiment, the first sending unit is further configured to: sending the service transaction application to a block chain network; sending the identity characteristic information of the card holder to a block chain network; the first receiving unit is further configured to: receiving an identity characteristic identification consensus request sent by a financial institution node through a block chain network; the block chain-based credit card service data processing client side node further comprises:

a transaction application initiating unit for receiving a business transaction application initiated by a cardholder;

and the acquisition unit is used for acquiring the identity characteristic information of the card holder according to the identity characteristic identification consensus request sent by the financial institution node through the block chain network.

Based on the same inventive concept, the embodiment of the present invention further provides a block chain-based credit card service data processing financial institution node, as described in the following embodiments. Because the principle of solving the problems of the credit card business data processing financial institution nodes based on the block chain is similar to the credit card business data processing method based on the block chain, the implementation of the credit card business data processing financial institution nodes based on the block chain can refer to the implementation of the credit card business data processing method based on the block chain applied to the system, and repeated parts 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. 16 is a block-chain based financial institution node for processing credit card transaction data, with a customer node, a plurality of financial institution nodes, and at least one payee node forming a block-chain network, in accordance with an embodiment of the present invention; as shown in fig. 16, the financial institution node includes:

a second receiving unit 021, configured to receive card transaction information sent by the client node through the blockchain network; receiving client side node consensus feedback information, other related financial institution node consensus feedback information and at least one payee side node consensus feedback information which are sent by a client side node, other related financial institution nodes and at least one payee side node through a blockchain network;

a first processing unit 022 configured to generate a card consensus request;

a second sending unit 023, configured to send the card transaction consensus request to a blockchain network;

the second processing unit 024 is configured to generate financial institution node consensus feedback information according to the card transaction consensus request;

and the third processing unit 025 is configured to perform a card handling operation when the consensus results of the client node, the other related financial institution nodes, and the at least one payee node are determined to be passed according to the client node consensus feedback information, the other related financial institution node consensus feedback information, and the at least one payee node consensus feedback information, which are sent by the client node, the other related financial institution nodes, and the at least one payee node through the blockchain network.

In one embodiment, the above block chain-based credit card service data processing financial institution node further includes:

a fourth processing unit, configured to add the credit card applicant to a blacklist when a result of consensus feedback of the client node, the other related financial institution nodes, and the at least one payee node is determined to be failed according to client node consensus feedback information, financial institution node consensus feedback information, and the at least one payee node consensus feedback information, which are sent by the client node, the other related financial institution nodes, and the at least one payee node through the blockchain network; the blacklist is used for storing information of credit card fraud molecules, and the blacklist is stored in a distributed account book of the block chain network.

In one embodiment, the second receiving unit is further configured to: receiving a service transaction application sent by a client side node through a blockchain network; the second sending unit is further configured to: sending the identity characteristic identification consensus request to a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

the fifth processing unit is used for generating an identity characteristic identification consensus request according to a service transaction application sent by a client side node through a blockchain network;

and the sixth processing unit is used for executing the credit processing operation of the card holder and freezing the account processing operation of the card holder when judging that the identification result of the identity characteristic is failed according to the identity characteristic information of the card holder, which is sent by the client side node through the blockchain network.

In one embodiment, the second sending unit is further configured to: sending a payee identity feature identification consensus request to a blockchain network; the second receiving unit is further configured to: receiving identity characteristic information of a payee, which is sent by a payee node through a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

the seventh processing unit is used for generating a payee identity characteristic identification consensus request when the payee is the payee;

and the eighth processing unit is used for executing the payee credit processing operation and the payee account freezing processing operation when the identity characteristic identification result is judged to be failed according to the identity characteristic information of the payee, which is sent by the payee node through the block chain network.

In one embodiment, the second sending unit is further configured to: sending a merchant legality consensus request to a block chain network; the second receiving unit is further configured to: receiving legality proving information of the commercial tenant sent by a payee node through a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

the ninth processing unit is used for generating a merchant legality consensus request when the payee is a merchant;

and the tenth processing unit is used for executing the merchant credit processing operation and the merchant account freezing processing operation when the merchant verification result is judged to be failed according to the merchant validity certification information sent by the payee node through the block chain network.

FIG. 17 is a block chain-based configuration diagram of a credit card transaction data processing payee node according to an embodiment of the invention; the customer side node, the plurality of financial institution nodes and the at least one payee side node form a block chain network; as shown in fig. 17, the payee node includes:

a third receiving unit 031, configured to receive a card transaction consensus request sent by the card-opening financial institution node through the blockchain network;

an eleventh processing unit 032, configured to generate payee node consensus feedback information according to the card transaction request sent by the card-opening financial institution node through the blockchain network;

a third sending unit 033, configured to send the payee node consensus feedback information to the blockchain network.

In one embodiment, the third receiving unit is further configured to: receiving a payee identity characteristic identification consensus request sent by a financial institution node through a block chain network; the third sending unit is further configured to: sending the identity characteristic information of the payee to a block chain network; the block chain-based credit card service data processing payee node further comprises:

and the twelfth processing unit is used for acquiring the identity characteristic information of the payee according to the payee identity characteristic identification consensus request sent by the financial institution node through the blockchain network.

In one embodiment, the third receiving unit is further configured to: receiving a merchant legality consensus request sent by a financial institution node through a block chain network; the third sending unit is further configured to: the legality proving information of the commercial tenant is sent to a block chain network; the block chain-based credit card service data processing payee node further comprises:

and the thirteenth processing unit is used for acquiring the legality certification information of the commercial tenant according to the commercial tenant legality consensus request sent by the financial institution node through the block chain network.

The technical scheme provided by the embodiment of the invention has the beneficial technical effects that:

the embodiment of the invention utilizes the distributed account book technology and the consensus mechanism of the block chain to share the client information, confirm the client identity, prevent criminals from carrying out fraud transactions in real time and avoid the fund loss of banks and clients. According to the invention, a block chain can be established among payers, banks, merchants and payees, nodes in the block chain can be dynamically increased, and customer information and blacklists are shared among the nodes, so that identity information of fraudulent molecules can be rapidly identified; the embodiment of the invention confirms the identity of the applicant, the payer and the payee in credit card application, transfer, payment and cash withdrawal transactions, and improves the safety of a bank system.

The embodiment of the invention adopts a distributed account book and a consensus mechanism of the block chain, thereby improving the efficiency of the bank system for identifying the cheating molecules; the embodiment of the invention confirms the identity of the applicant, the payer and the payee in credit card application, transfer, payment and cash withdrawal transactions, and improves the safety of a bank system.

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

1. A credit card business data processing method based on block chain is applied to a system and is characterized in that a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing method comprises the following steps:

2. The block chain based credit card service data processing method of claim 1, further comprising:

3. The block chain based credit card service data processing method of claim 1, further comprising:

4. The block chain based credit card service data processing method of claim 1, further comprising:

5. The block chain based credit card service data processing method of claim 1, further comprising:

6. A credit card business data processing method based on block chain is applied to a client side node and is characterized in that the client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing method comprises the following steps:

sending the card transaction information to a block chain network;

7. The block chain based credit card service data processing method of claim 6, further comprising:

receiving a business transaction application initiated by a cardholder;

sending the service transaction application to a block chain network;

8. A credit card business data processing method based on a block chain is applied to financial institution nodes and is characterized in that a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing method comprises the following steps:

generating a card transaction consensus request;

sending the card transaction consensus request to a block chain network;

9. The block chain based credit card service data processing method of claim 8, further comprising:

10. The block chain based credit card service data processing method of claim 8, further comprising:

11. The block chain based credit card service data processing method of claim 8, further comprising:

12. The block chain based credit card service data processing method of claim 8, further comprising:

when the payee is a merchant, generating a merchant legality consensus request;

sending the merchant legality consensus request to a block chain network;

13. A credit card business data processing method based on a block chain is applied to a payee node and is characterized in that a client node, a plurality of financial institution nodes and at least one payee node form a block chain network; the block chain-based credit card service data processing method comprises the following steps:

14. The block chain based credit card service data processing method of claim 13, further comprising:

15. The block chain based credit card service data processing method of claim 13, further comprising:

16. A credit card business data processing system based on a block chain is characterized in that a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; wherein:

17. The blockchain-based credit card business data processing system of claim 16, wherein the financial institution node is further configured to: when the consensus feedback results of the client side node, the other related financial institution nodes and the at least one payee side node are judged to be failed according to the client side node consensus feedback information, the other related financial institution node consensus feedback information and the at least one payee side node consensus feedback information which are sent by the client side node, the other related financial institution nodes and the at least one payee side node through the blockchain network, the credit card applicant is added into a blacklist; the blacklist is used for storing information of credit card fraud molecules, and the blacklist is stored in a distributed account book of the block chain network.

18. The block chain based credit card service data processing system of claim 16,

the client side node is further operable to: receiving a business transaction application initiated by a cardholder, and sending the business transaction application to a block chain network; acquiring identity characteristic information of a card holder according to an identity characteristic identification consensus request sent by a financial institution node through a block chain network, and sending the identity characteristic information of the card holder to the block chain network;

19. The block chain based credit card service data processing system of claim 16,

the financial institution node is further configured to: when the payee is a payee, generating a payee identity characteristic identification consensus request, and sending the payee identity characteristic identification consensus request to a block chain network; when the identity characteristic recognition result is judged to be failed according to the identity characteristic information of the payee, which is sent by the payee node through the block chain network, the credit processing operation of the payee and the account processing operation of the frozen payee are executed;

20. The block chain based credit card service data processing system of claim 16,

the financial institution node is further configured to: when the payee is a merchant, generating a merchant legality consensus request, and sending the merchant legality consensus request to a block chain network; executing merchant credit processing operation and merchant account freezing processing operation when the merchant verification result is judged to be failed according to the merchant validity certification information sent by the payee node through the block chain network;

21. A credit card business data processing client side node based on a block chain is characterized in that the client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing client side node comprises:

22. The block chain based credit card service data processing client node of claim 21, wherein the first sending unit is further to: sending the service transaction application to a block chain network; sending the identity characteristic information of the card holder to a block chain network; the first receiving unit is further configured to: receiving an identity characteristic identification consensus request sent by a financial institution node through a block chain network; the block chain-based credit card service data processing client side node further comprises:

23. A credit card business data processing financial institution node based on a block chain is characterized in that a client side node, a plurality of financial institution nodes and at least one payee side node form a block chain network; the block chain-based credit card service data processing financial institution node comprises:

24. The blockchain-based credit card service data processing financial institution node of claim 23 further comprising:

25. The block chain based credit card service data processing financial institution node of claim 23, wherein the second receiving unit is further to: receiving a service transaction application sent by a client side node through a blockchain network; the second sending unit is further configured to: sending the identity characteristic identification consensus request to a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

26. The block chain based credit card service data processing financial institution node of claim 23, wherein the second transmitting unit is further to: sending a payee identity feature identification consensus request to a blockchain network; the second receiving unit is further configured to: receiving identity characteristic information of a payee, which is sent by a payee node through a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

27. The block chain based credit card service data processing financial institution node of claim 23, wherein the second transmitting unit is further to: sending a merchant legality consensus request to a block chain network; the second receiving unit is further configured to: receiving legality proving information of the commercial tenant sent by a payee node through a block chain network; the block chain-based credit card service data processing financial institution node further comprises:

28. A credit card business data processing payee node based on a block chain is characterized in that a client node, a plurality of financial institution nodes and at least one payee node form a block chain network; the credit card service data processing payee node based on the block chain comprises the following steps:

29. The blockchain-based credit card transaction data processing payee node of claim 28, wherein the third receiving unit is further to: receiving a payee identity characteristic identification consensus request sent by a financial institution node through a block chain network; the third sending unit is further configured to: sending the identity characteristic information of the payee to a block chain network; the block chain-based credit card service data processing payee node further comprises:

30. The blockchain-based credit card transaction data processing payee node of claim 28, wherein the third receiving unit is further to: receiving a merchant legality consensus request sent by a financial institution node through a block chain network; the third sending unit is further configured to: the legality proving information of the commercial tenant is sent to a block chain network; the block chain-based credit card service data processing payee node further comprises:

31. 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 15 when executing the computer program.

32. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 15.