CN111242622A - Safe payment system based on block chain - Google Patents

Safe payment system based on block chain Download PDF

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Publication number
CN111242622A
CN111242622A CN202010067239.6A CN202010067239A CN111242622A CN 111242622 A CN111242622 A CN 111242622A CN 202010067239 A CN202010067239 A CN 202010067239A CN 111242622 A CN111242622 A CN 111242622A
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Prior art keywords
payment
module
user
transaction
block chain
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Application number
CN202010067239.6A
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Chinese (zh)
Inventor
王剑
张辉
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Jiangsu Rongzer Information Technology Co Ltd
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Jiangsu Rongzer Information Technology Co Ltd
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Priority to CN202010067239.6A priority Critical patent/CN111242622A/en
Publication of CN111242622A publication Critical patent/CN111242622A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a block chain-based secure payment system, which comprises a user module, a transaction module, an inquiry module and an audit module based on a bottom layer block chain platform, wherein the user module comprises new user registration, user login and corresponding identity authentication; the transaction module comprises a recharging module and a payment module and is used for fund transaction, and the payment module comprises code scanning payment, two-dimensional code payment and face brushing payment; the query module is used for querying information, money and bills of the transaction of the user; the auditing module is used for key management and authority management of the user, namely, a key interface is provided for calling resources during login or payment, and the authority management carries out safety restriction on the resources. The safe payment system is based on the non-tamper property of the block chain, the transaction is safe and transparent, the use and the operation are convenient, and the transaction speed is improved.

Description

Safe payment system based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a safe payment system based on a block chain.
Background
With the continuous development of information technology, the information storage mode is also continuously changed and updated. The original central data storage mode has the defects of unreliability, opaqueness, complex clearing program and long time consumption, and can not meet the information era with increasing efficiency demand. All industries need to find a new storage technology to solve the problems caused by central data storage, and the block chain technology is a storage technology capable of solving the problems.
Traditional network transaction needs to be mediated by a third party payment, for a user, user transaction information is stored in a centralized database by a mediator, and the user needs to trust the mediator to use a payment platform provided by the mediator. The payment company needs to collect a lot of private information of the user for confirming the credibility of the account in order to guarantee the credibility of the transaction, and the more unsafe for the user, the more private information is leaked. In recent years, leakage of private information of users occurs frequently, and for a transaction mediation platform, in order to guarantee credibility of accounts, high cost and long time are required for clearing a large amount of transaction information. To this end, we propose a block chain based secure payment system to be put into use to solve the above problems.
Disclosure of Invention
The invention aims to provide a block chain-based secure payment system, which is safe and transparent in transaction, convenient to use and operate and capable of improving transaction speed.
The invention provides the following technical scheme:
a safety payment system based on a block chain comprises a user module, a transaction module, a query module and an auditing module based on an underlying block chain platform, wherein,
the user module comprises new user registration, user login and corresponding identity authentication;
the transaction module comprises a recharging module and a payment module and is used for fund transaction, and the payment module comprises code scanning payment, two-dimensional code payment and face brushing payment;
the query module is used for querying information, money and bills of the transaction of the user;
the auditing module is used for key management and authority management of a user, namely, a key interface is provided for calling resources during login or payment, and the authority management carries out safety restriction on the resources.
Preferably, the user module registers when the user logs in for the first time, generates a unique identification ID and a corresponding key, and performs identity authentication when the user logs in for the next time through the ID and the key.
Preferably, the face brushing payment is realized by inputting a face to a storage module of the block chain, and then the face during payment is compared with the face input in advance through a face recognition technology.
Preferably, still include payment equipment, payment equipment's the front all is equipped with the camera with the back, payment equipment's the front still is equipped with fingerprint identification district and display screen.
Preferably, the display screen is used for showing the information of transaction at every turn and demonstrates the two-dimensional code when the two-dimensional code is paid, and is positive the camera is used for discerning the people's face when brushing face payment, and the back the camera is used for carrying out the sweep-in of two-dimensional code when sweeping the code payment.
Preferably, the recharging module provides two recharging modes including bank card recharging and electronic account recharging.
Preferably, the blockchain platform comprises a storage module, a consensus algorithm and an intelligent contract, wherein the storage module is used for storing account information and data.
Preferably, the key management includes key generation, key setting, key backup and key recovery.
Preferably, the rights management manages different roles through the intelligent contracts of the blockchain platform.
Preferably, after the payment is successful, the information of successful payment and the account data information are encrypted and broadcasted in the blockchain platform.
The invention has the beneficial effects that: based on the characteristic that the block chain cannot be tampered, the user information and the transaction records are stored in the storage module of the bottom layer block chain platform, so that the transaction records are prevented from being changed privately, and the safety and the transparency of the system are guaranteed; the invention is arranged in key management and authority management, and a user can set a transaction authority by himself to improve the transaction speed; meanwhile, the system supports various payment modes, is convenient to use and is suitable for users of different ages.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
fig. 1 is a system architecture diagram of the present invention.
Detailed Description
As shown in fig. 1, a secure payment system based on a block chain includes a user module, a transaction module, a query module and an audit module based on an underlying block chain platform, where:
the user module comprises new user registration, user login and corresponding identity authentication, specifically, the user module registers when the user logs in for the first time to generate a unique identification ID and a corresponding secret key, the user performs identity authentication when logging in for the next time through the ID and the secret key, and the secret key is stored in the auditing module.
The transaction module comprises a recharging module and a payment module and is used for fund transaction, wherein the recharging module provides two recharging modes including bank card recharging and electronic account recharging; the payment module is including sweeping sign indicating number payment, two-dimensional code payment and brushing face payment, and the storage module of face to block chain is typeeed through the realization to the payment of brushing face, and the face when rethread face identification technology will pay contrasts with the face of typeeing in advance, directly sweeps the sign indicating number during payment, brushes face or show the two-dimensional code, need not with the help of third party's platform, convenient operation.
The query module is used for querying information, money and bills of the transaction of the user.
The auditing module is used for key management and authority management of a user, wherein the key management comprises key generation, key setting, key backup and key recovery, namely a key interface is provided for calling resources during login or payment, and the authority management carries out safety limitation on the resources.
The block chain platform comprises a storage module, a consensus algorithm and an intelligent contract, wherein the storage module is used for storing account information and data.
Specifically, rights management manages different roles through intelligent contracts of the blockchain platform.
Specifically, after payment is successful, the information of successful payment and the account data information are encrypted and broadcasted in the block chain platform, so that the information cannot be found or tampered, and the safety of the system is improved.
The utility model provides a safe payment system based on block chain, still includes payment equipment, payment equipment's front all is equipped with the camera with the back, and payment equipment's front still is equipped with fingerprint identification district and display screen, and the display screen is used for showing the information of transaction at every turn and demonstrates the two-dimensional code when the two-dimensional code is paid, and positive camera is used for discerning the people's face when the face is brushed payment, and the camera at the back is used for carrying out sweeping into of two-dimensional code when sweeping the code payment.
Based on the characteristic that the block chain cannot be tampered, the user information and the transaction records are stored in the storage module of the bottom layer block chain platform, so that the transaction records are prevented from being changed privately, and the safety and the transparency of the system are guaranteed; the invention is arranged in key management and authority management, and a user can set a transaction authority by himself to improve the transaction speed; meanwhile, the system supports various payment modes, is convenient to use and is suitable for users of different ages.
Although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. 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 (10)

1. A safety payment system based on a block chain is characterized by comprising a user module, a transaction module, a query module and an auditing module which are based on an underlying block chain platform, wherein,
the user module comprises new user registration, user login and corresponding identity authentication;
the transaction module comprises a recharging module and a payment module and is used for fund transaction, and the payment module comprises code scanning payment, two-dimensional code payment and face brushing payment;
the query module is used for querying information, money and bills of the transaction of the user;
the auditing module is used for key management and authority management of a user, namely, a key interface is provided for calling resources during login or payment, and the authority management carries out safety restriction on the resources.
2. The system of claim 1, wherein the user module registers when a user logs in for the first time, and generates a unique identification ID and a corresponding key, and the user performs authentication on the next login through the ID and the key.
3. The secure payment system based on the block chain as claimed in claim 1, wherein the face-brushing payment is implemented by entering a human face into a storage module of the block chain, and then comparing the human face during payment with a human face entered in advance through a human face recognition technology.
4. The secure payment system based on the blockchain as claimed in claim 1, further comprising a payment device, wherein the front and the back of the payment device are both provided with a camera, and the front of the payment device is further provided with a fingerprint identification area and a display screen.
5. The secure payment system based on the block chain as claimed in claim 4, wherein the display screen is used to display information of each transaction and display the two-dimensional code when the two-dimensional code is paid, the front camera is used to identify the face when the face is swiped for payment, and the back camera is used to scan in the two-dimensional code when the code is swiped for payment.
6. The secure payment system based on block chain of claim 1, wherein the charging module provides two charging modes including bank card charging and electronic account charging.
7. The blockchain-based secure payment system of claim 1, wherein the blockchain platform comprises a storage module, a consensus algorithm and an intelligent contract, and the storage module is used for storing account information and data.
8. The blockchain-based secure payment system of claim 1, wherein the key management includes key generation, key setting, key backup, and key recovery.
9. A blockchain-based secure payment system as recited in claim 1 wherein the rights management manages different roles through the intelligent contracts of the blockchain platform.
10. The blockchain-based secure payment system of claim 1, wherein after the payment is successful, the information of successful payment and the account data information are encrypted and broadcasted in the blockchain platform.
CN202010067239.6A 2020-01-20 2020-01-20 Safe payment system based on block chain Withdrawn CN111242622A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111917759A (en) * 2020-07-27 2020-11-10 八维通科技有限公司 Data security interaction method for gas station
CN111932258A (en) * 2020-08-18 2020-11-13 广西捷算资产交易市场服务有限公司 Block chain based encrypted payment tamper-proof technical method for enterprise bank transfer
CN112132562A (en) * 2020-10-04 2020-12-25 曹建荣 Block chain-based expense payment method and expense payment platform
CN113793150A (en) * 2020-12-23 2021-12-14 中玺纵横(北京)科技有限公司 Wisdom campus system
CN116342128A (en) * 2023-03-23 2023-06-27 杭州自旋科技有限责任公司 Payment system based on blockchain technology

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111917759A (en) * 2020-07-27 2020-11-10 八维通科技有限公司 Data security interaction method for gas station
CN111932258A (en) * 2020-08-18 2020-11-13 广西捷算资产交易市场服务有限公司 Block chain based encrypted payment tamper-proof technical method for enterprise bank transfer
CN112132562A (en) * 2020-10-04 2020-12-25 曹建荣 Block chain-based expense payment method and expense payment platform
CN112132562B (en) * 2020-10-04 2021-08-10 云宝宝大数据产业发展有限责任公司 Block chain-based expense payment method and expense payment platform
CN113793150A (en) * 2020-12-23 2021-12-14 中玺纵横(北京)科技有限公司 Wisdom campus system
CN116342128A (en) * 2023-03-23 2023-06-27 杭州自旋科技有限责任公司 Payment system based on blockchain technology

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