CN111461733A - Account information query method, device and system based on block chain - Google Patents

Account information query method, device and system based on block chain Download PDF

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CN111461733A
CN111461733A CN202010259995.9A CN202010259995A CN111461733A CN 111461733 A CN111461733 A CN 111461733A CN 202010259995 A CN202010259995 A CN 202010259995A CN 111461733 A CN111461733 A CN 111461733A
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account information
information query
query
application
blockchain network
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CN111461733B (en
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吴慧宾
郑运荣
刘锐
王哲
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Yinqing Technology Co ltd
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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
    • G06Q20/40—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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2453—Query optimisation
    • G06F16/24532—Query optimisation of parallel queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

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Abstract

The invention discloses an account information query method, device and system based on a block chain, wherein the system comprises the following steps: the system comprises a block chain network, an inquiry bank system, an inquired bank system and a payment clearing system; the inquiry bank system initiates an account information inquiry application to the blockchain network according to an account information inquiry request of a user side; the inquired bank system receives an account information inquiry application pushed by the blockchain network, and returns an account information inquiry response result to the blockchain network according to the received account information inquiry application; the inquiry bank system receives an account information inquiry response result pushed by the block chain network, and returns the account information inquiry result to the user side according to the received account information inquiry response result; and the payment clearing system receives and records the account information query application and the account information query response result pushed by the blockchain network. The invention can realize the parallel processing of the account inquiry service process, improve the service processing efficiency and ensure that the service data can not be falsified.

Description

Account information query method, device and system based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to an account information query method, device and system based on a block chain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The account information inquiry service refers to a service that a customer entrusts a commercial bank or a non-financial payment service organization to inquire one or more pieces of bank settlement account information specified by the customer or an authorized person through a payment clearing system, and the inquiry content can comprise account balance, transaction details and the like. The account information inquiry service is sent one by one, and the initiator acquires the inquiry result in real time.
At present, the flow of the existing account information query service is roughly as follows: the inquiry bank (which can be a commercial bank or a non-financial payment service organization) system initiates an account information inquiry application according to an account information inquiry request of a user side, and then the payment clearing system forwards the account information inquiry application to the inquired bank system; and the inquired bank system returns an account information inquiry response to the payment clearing system according to the received account information inquiry application, and the payment clearing system forwards the account information inquiry response to the inquiring bank.
In order to ensure the information security of the account owner, the inquired bank system usually performs identity authentication on the account information inquiry initiator before returning an account information inquiry response, and corresponding account information inquiry processes are not completely the same in different authentication modes.
At present, the authentication methods adopted by the existing account information query service mainly include the following three types:
first, the inquired account is authenticated by the inquired line system according to the account information cross-line inquiry protocol. If the account owner and the inquired bank system sign the account information cross-bank inquiry agreement, the inquiry bank system can contain the agreement number of the account owner and the inquired bank system signing the account information cross-bank inquiry agreement when initiating the account information inquiry application, so that the inquired bank system directly returns the account information inquiry response according to the agreement authentication result after receiving the account information inquiry application forwarded by the payment clearing system, and the payment clearing system forwards the account information inquiry response to the inquiry bank system. As shown in fig. 1, the specific process may include the following steps:
s1, the inquiry bank system forms an account information inquiry application according to the account information inquiry request of the user side, the inquiry request comprises the protocol number compiled by the inquiry bank, and the digital signature is added and compiled and then sent to the payment clearing system;
s2, the payment clearing system receives the account information inquiry application sent by the inquiry bank system, carries out validity check and digital signature check on the account information inquiry application, and forwards the account information inquiry application to the inquired bank system after the validity check and the digital signature check are passed;
and S3, after the inquired bank system receives the account information inquiry application forwarded by the payment clearing system, the inquiry application carries out validity check and digital signature check on the account information inquiry application, and when the validity check and the digital signature check are passed, an account information inquiry response is returned to the payment clearing system.
And S4, the payment clearing system receives the account information inquiry response sent by the inquired bank system, carries out validity check and digital signature check on the account information inquiry response, and forwards the account information inquiry response to the inquired bank system after the validity check and the digital signature check are passed. And after receiving the account information query response forwarded by the payment clearing system, the query bank system performs validity check and digital signature check on the account information query response, and outputs the account information (including but not limited to account number, account name, account opening bank, account state, balance, available balance and the like) of the queried account to the user side after the validity check and the digital signature check are passed.
Second, the queried account is authenticated by the querying line system sending authentication information (e.g., username and password) to the queried line system. When the inquiring bank system initiates an account information inquiry application and the payment clearing system forwards the account information inquiry application to the inquired bank system, the inquired bank system returns an account information inquiry identity authentication request, the payment clearing system forwards the account information inquiry identity authentication request to the inquiring bank system, the inquiring bank system sends account information inquiry identity authentication prompt information to the user side so that the user side can send the identity authentication information of the inquired account to the inquired bank system, and when the inquired bank system passes the authentication of the received identity authentication information of the inquired account, the account information inquiry response is returned, and the payment clearing system forwards the account information inquiry response to the inquiring bank system. As shown in fig. 2, the specific process may include the following steps:
s1, the inquiry bank system forms an account information inquiry application according to the account information inquiry request of the user side, adds a digital signature and sends the digital signature to the payment clearing system;
s2, the payment clearing system receives the account information inquiry application sent by the inquiry bank system, carries out validity check and digital signature check on the account information inquiry application, and forwards the account information inquiry application to the inquired bank system after the validity check and the digital signature check are passed;
s3, the inquired bank system receives the account information inquiry application forwarded by the payment clearing system, checks the validity and the digital signature of the account information inquiry application, and returns an account information inquiry identity authentication request to the payment clearing system after the validity check and the digital signature check are passed;
s4, the payment clearing system receives the account information inquiry identity authentication request sent by the inquiry bank system, carries out validity check and digital signature check on the account information inquiry identity authentication request, and forwards the account information inquiry identity authentication request to the inquiry bank system after the validity check and the digital signature check are passed;
s5, the inquiring bank system receives the account information inquiring identity authentication request forwarded by the payment clearing system, and carries out validity check and digital signature check on the account information inquiring identity authentication request, and when both the validity check and the digital signature check pass, the inquiring bank system sends account information inquiring identity authentication prompt information to the user side, so that the user side sends the identity authentication information (such as account number, password and other information) of the account to be inquired to the inquired bank system; s5-1 is that the inquiry bank system sends account information inquiry identity authentication prompt information to the user side; s5-2 is that the user end sends the identity authentication information of the inquired account to the inquired bank system;
s6, the inquired bank system receives the identity authentication information of the inquired account, carries out identity authentication on the inquired account, forms an account information inquiry success response after the identity authentication is passed, adds a digital signature and sends the account information inquiry success response to the payment clearing system;
and S7, the payment clearing system receives the account information inquiry response sent by the inquiry bank system, carries out validity check and digital signature check on the account information inquiry response, and forwards the account information inquiry response to the inquiry bank system after the validity check and the digital signature check are passed. And the inquiring bank system receives the account information inquiry response forwarded by the payment clearing system, carries out validity check and digital signature check on the account information inquiry response, and outputs the account information (including but not limited to account number, account name, account opening bank, account state, balance, available balance and the like) of the inquired account to the user side after the validity check and the digital signature check are passed.
Thirdly, identity authentication information (such as a user name and a password) is sent to the queried bank system by the user end to authenticate the queried account. When the inquiring bank system initiates an account information inquiring application containing the inquired account identity authentication information and the payment clearing system forwards the account information inquiring application to the inquired bank system, the inquired bank system carries out identity authentication on the inquired account according to the inquired account identity authentication information contained in the received account information inquiring application, directly returns an account information inquiring response according to an authentication result and forwards the account information inquiring response to the inquiring bank system through the payment clearing system. As shown in fig. 3, the specific process may include the following steps:
s1, the inquiry bank system forms an account information inquiry application according to the account information inquiry request of the user side, the inquiry request comprises the account name and the password of the opening bank of the client, and the digital signature is added and sent to the payment clearing system;
s2, the payment clearing system receives the account information inquiry application sent by the inquiry bank system, carries out validity check and digital signature check on the account information inquiry application, and forwards the account information inquiry application to the inquired bank system after the validity check and the digital signature check are passed;
s3, the inquired bank system receives the account information inquiry application forwarded by the payment clearing system, checks the validity of the account information inquiry application (including checking the validity of account number, account name and password of the account opening bank) and checks the digital signature, and returns an account information inquiry response to the payment clearing system when the validity check and the digital signature check are passed;
and S4, the payment clearing system receives the account information inquiry response sent by the inquired bank system, carries out validity check and digital signature check on the account information inquiry response, and forwards the account information inquiry response to the inquired bank when the validity check and the digital signature check are passed. And the inquiring bank system receives the account information inquiry response forwarded by the payment clearing system, carries out validity check and digital signature check on the account information inquiry response, and outputs inquired account information (including account number, account name, account opening bank, account state, balance, available balance and the like) to a user side (an account information inquiry initiator) after the validity check and the digital signature check are passed.
As can be seen from fig. 1, fig. 2, and fig. 3, in the conventional account information query process, the service data is serially transmitted back and forth through the query bank system, the payment clearing system, and the queried system, and this serial manner has the following disadvantages:
①, the efficiency of processing the account information needs to be improved, the data is transmitted in a serial way, so that the communication and processing process are complicated, the efficiency of processing the account information is affected, and errors in any link can cause the failure of the whole account information query service, so that the account information query request needs to be initiated again.
②, the reliability of data transmission is to be improved, and the data loss caused by network interruption or processing exception of any one system can result in inconsistent information processing states of all systems.
③ the data is at risk of being tampered with, the intermediate links are at risk of tampering with the data by serial transmission.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides an account information inquiry system based on a block chain, which is used for solving the technical problems of complicated flow, low efficiency and easy data tampering caused by the fact that the existing account information inquiry service processing flow adopts a serial mode to transmit data, and comprises the following steps: the system comprises a block chain network, an inquiry bank system, an inquired bank system and a payment clearing system; the inquiry bank system, the inquired bank system and the payment clearing system are respectively accessed to the block chain network through the block chain client; the system comprises a query line system, a block chain network and a block chain network, wherein the query line system is used for initiating an account information query application to the block chain network according to an account information query request of a user side; the system comprises a query bank system, a block chain network and a query bank system, wherein the query bank system is used for receiving an account information query application pushed by the block chain network, and returning an account information query response result to the block chain network according to the received account information query application; the payment clearing system is used for receiving and recording account information query applications and account information query response results pushed by the block chain network; and the inquiry bank system is also used for receiving the account information inquiry response result pushed by the block chain network, and returning the account information inquiry result to the user side according to the received account information inquiry response result.
The embodiment of the invention also provides an account information query method based on the block chain, which is used for solving the technical problems of complicated flow, low efficiency and easy data tampering caused by the fact that the existing account information query service processing flow adopts a serial mode to transmit data, and comprises the following steps: receiving an account information query request from a user side; initiating an account information query application to the blockchain network according to the account information query request of the user side; receiving an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application; and returning an account information query result to the user side according to the received account information query response result.
The embodiment of the invention also provides an account information query method based on the block chain, which is used for solving the technical problems of complicated flow, low efficiency and easy data tampering caused by the fact that the existing account information query service processing flow adopts a serial mode to transmit data, and comprises the following steps: receiving an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side; and returning an account information query response result to the block chain network according to the received account information query application.
The embodiment of the invention also provides an account information query method based on a block chain, which is applied to a payment clearing system and used for solving the technical problems of complicated flow, low efficiency and easy data tampering caused by the fact that the existing account information query business processing flow adopts a serial mode to transmit data, and the method comprises the following steps: receiving and recording an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side; and receiving and recording an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
The embodiment of the invention also provides an account information inquiry device based on the block chain, which is used for solving the technical problems of complicated flow, low efficiency and easy data falsification caused by the fact that the existing account information inquiry service processing flow adopts a serial mode to transmit data, and the device comprises: the account information query request receiving module is used for receiving an account information query request from a user side; the account information query application initiating module is used for initiating an account information query application to the blockchain network according to an account information query request of the user side; the account information query response result receiving module is used for receiving an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application; and the account information query result returning module is used for returning an account information query result to the user side according to the received account information query response result.
The embodiment of the invention also provides an account information inquiry device based on the block chain, which is applied to an inquired line system and used for solving the technical problems of complicated flow, low efficiency and easy data tampering caused by the fact that the existing account information inquiry service processing flow adopts a serial mode to transmit data, and the device comprises: the account information query application receiving module is used for receiving an account information query application pushed by the blockchain network, wherein the account information query application is used for initiating an account information query application to the blockchain network by a query bank system according to an account information query request of a user side; and the account information query response module is used for returning an account information query response result to the block chain network according to the received account information query application.
The embodiment of the invention also provides an account information inquiry device based on the block chain, which is applied to a payment clearing system and used for solving the technical problems of complicated flow, low efficiency and easy data falsification caused by the fact that the existing account information inquiry service processing flow adopts a serial mode to transmit data, and the device comprises: the account information query application recording module is used for receiving and recording an account information query application pushed by the blockchain network, wherein the account information query application is used for initiating an account information query application to the blockchain network by the query bank system according to an account information query request of a user side; and the account information query response result recording module is used for receiving and recording the account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
The embodiment of the invention also provides computer equipment, which is used for solving the technical problems that the existing account information inquiry service processing flow adopts a serial mode to transmit data, so that the flow is complicated, the efficiency is low, and the data is easy to be falsified.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems that the existing account information inquiry service processing flow adopts a serial mode to transmit data, so that the flow is complicated, the efficiency is low, and the data is easy to be falsified.
In the embodiment of the invention, account information inquiry is realized based on a block chain, an inquiry bank system, an inquired bank system and a payment clearing system are all connected to the block chain network, when the inquiry bank system initiates an account information inquiry application to the block chain network according to an account information inquiry request of a user end, the inquired bank system and the payment clearing system can receive the account information inquiry application pushed by the block chain network in a parallel mode, so that the payment clearing system records the account information inquiry application, and simultaneously, the inquired system returns an account information inquiry response result to the block chain network according to the received account information inquiry application; the inquiry bank system and the payment clearing system can receive the account information inquiry response result pushed by the block chain network in a parallel mode, so that the inquiry bank system can return the account information inquiry response result to the user side according to the account information inquiry response result while the payment clearing system records the account information inquiry response result.
By the embodiment of the invention, the characteristics of transparent and real-time sharing of block chain data are utilized, the parallel processing of the account inquiry business process can be realized, and the business processing efficiency is improved; by utilizing the characteristic that the block chain data cannot be tampered, the service data can be ensured not to be tampered in the account information inquiry, and the safety and the reliability of the data are improved.
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. In the drawings:
fig. 1 is an account information query service flow for authenticating a queried account by a queried bank system according to an account information cross-bank query protocol, provided in the prior art;
fig. 2 is an account information query service flow provided in the prior art, in which an inquiring bank system sends identity authentication information to an inquired bank system to authenticate an inquired account;
fig. 3 is an account information query service flow for performing identity verification on a queried account by sending identity authentication information from a user side to a queried bank system according to the prior art;
fig. 4 is a schematic diagram of an account information query system based on a blockchain according to an embodiment of the present invention;
fig. 5 is a schematic diagram of another account information query system based on a blockchain according to an embodiment of the present invention;
fig. 6 is a flow chart of an account information query service based on a block chain according to an embodiment of the present invention;
fig. 7 is a flowchart of another account information query service based on a blockchain according to an embodiment of the present invention;
FIG. 8 is a flowchart of an account information query method for a query bank system according to an embodiment of the present invention;
FIG. 9 is a flowchart of an account information query method for a queried line system according to an embodiment of the present invention;
FIG. 10 is a flow chart of an account information query method for a payment clearing system provided in an embodiment of the present invention;
FIG. 11 is a schematic diagram of an account information query device for a query bank system according to an embodiment of the present disclosure;
FIG. 12 is a schematic diagram of a payment information verification apparatus for a queried line system according to an embodiment of the invention;
fig. 13 is a schematic view of an account information query device for a payment clearing system according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
An embodiment of the present invention provides an account information query system based on a blockchain, and fig. 4 is a schematic diagram of an account information query system based on a blockchain provided in an embodiment of the present invention, and as shown in fig. 4, the system includes: blockchain network 10, query line system 20, queried line system 30, and payment clearing system 40; the query line system 20 accesses the blockchain network through the first blockchain client 50-1, and the queried line system 30 accesses the blockchain network through the second blockchain client 50-2; payment clearance system 40 accesses the blockchain network through a third blockchain client 50-3, respectively.
The query bank system 20 is configured to initiate an account information query application to the blockchain network 10 according to an account information query request of a user side; the inquired bank system 30 is configured to receive an account information inquiry application pushed by the blockchain network 10, and return an account information inquiry response result to the blockchain network 10 according to the received account information inquiry application; the payment clearing system 40 is used for receiving and recording the account information inquiry application and the account information inquiry response result pushed by the block chain network 10; the query bank system is further configured to receive an account information query response result pushed by the blockchain network 10, and return the account information query result to the user terminal 60 according to the received account information query response result.
It should be noted that, in the embodiment of the present invention, the query bank system 20, the queried bank system 30, and the payment clearing system 40 may all access the blockchain network through respective blockchain clients, and implement data transmission with the blockchain network 10 through the blockchain clients, synchronize respective service processing data of the query bank system 20, the queried bank system 30, or the payment clearing system 40 to the blockchain network 10, or acquire service processing data of other systems pushed by the blockchain network 10 based on an intelligent contract. When the blockchain network 10 is connected with the inquiring bank system 20, the inquired bank system 30 and the payment clearing system 40, the blockchain client can use a front-end application mode to connect the production environments of the inquiring bank system 20, the inquired bank system 30 and the payment clearing system 40, so that the purpose of quickly connecting the inquiring bank system 20, the inquired bank system 30 and the payment clearing system 40 to the blockchain network is achieved.
Optionally, in the embodiment of the present invention, the interface protocol between the query bank system 20, the queried bank system 30, or the payment clearing system 40 and the blockchain client uses an HTTP protocol; the interface protocol between the blockchain client and the blockchain network adopts an SOCKET protocol; and transmitting payment service data among all network nodes in the block chain network by adopting messages in a JSON format.
It should be noted that the account information query system shown in fig. 4 is suitable for a scenario in which the queried account is authenticated by the queried bank system according to the account information cross-bank query protocol, and a scenario in which the queried bank system sends the identity authentication information to the queried bank system to authenticate the queried account. For the scenario that the user sends the identity authentication information to the queried line system to perform identity authentication on the queried account, the account information querying system shown in fig. 5 needs to be adopted, as shown in fig. 5, after receiving the account information querying application pushed by the blockchain network 10, the queried line system 30 is further configured to return an account information querying identity authentication request to the blockchain network 10 according to the received account information querying application; the query bank system 20 is further configured to receive an account information query identity authentication request pushed by the block chain network 10, query an identity authentication request according to the received account information, and return identity authentication prompt information to the user end 60, where the identity authentication prompt information is used to prompt the user end 60 to send identity authentication information to the queried bank system; the queried bank system 30 is further configured to receive the identity authentication information from the user end 60, authenticate the received identity authentication information, and return an account information query response result to the blockchain network 10 according to the authentication result.
For the account information query system based on the blockchain shown in fig. 4, the flow of the account information query service between the blockchain network 10, the query bank system 20, the queried bank system 30 and the payment clearing system 40 is as follows:
and S1, the inquiry line system initiates an account information inquiry application according to the account information inquiry request of the user side and submits the account information inquiry application to the block chain network. Optionally, before submitting the information query application to the blockchain network, the query line system may further add a digital signature to the account information query application, and submit the account information query application with the digital signature added to the blockchain network. If the adopted protocol authentication mode is that the inquired account is subjected to identity verification by the inquired bank system according to an account information cross-bank inquiry protocol, the account information inquiry application initiated by the inquired bank system can contain protocol information (for example, a protocol number compiled by the inquired bank); if the protocol authentication mode is used, the inquiring bank system sends the identity authentication information to the inquired bank system to authenticate the identity of the inquired account, and the account information inquiry request initiated by the inquiring bank system may include the identity authentication information (e.g., account name and password of the account opening bank) of the inquired account.
And S2, the payment clearing system and the inquired bank system receive the account information inquiry application pushed by the blockchain network in a parallel mode. Optionally, the blockchain network may push an account information query application initiated by the query bank system to the payment clearing system and the queried bank system based on the intelligent contract. Because the payment clearing system and the inquired bank system receive the account information inquiry application pushed by the blockchain network in a parallel mode, the account information inquiry application from the inquired bank system can be almost simultaneously received.
And S3, the inquired bank system carries out validity check (including checking validity of account number, account name and password of the account opening bank) and digital signature check on the account information inquiry application, and returns an account information inquiry response and submits the account information inquiry response to the blockchain network after the validity check and the digital signature check are passed. And the payment clearing system carries out validity check and record on the received account information inquiry application. Optionally, the queried line system may also submit the account information query response with the digital signature added to the blockchain network.
And S4, the payment clearing system and the query bank receive the account information query response pushed by the blockchain network in a parallel mode. The inquiring bank system carries out validity check and digital signature check on the account information inquiry response, and outputs inquired account information (including but not limited to information such as account number, account name, bank of account opening, account state, balance, available balance and the like) to a user side (namely terminal equipment used by an inquirer) after the validity check and the digital signature check are passed. And the payment clearing system carries out validity check and recording on the received account information inquiry response.
For the account information query system based on the blockchain shown in fig. 5, the flow of the account information query service between the blockchain network 10, the query bank system 20, the queried bank system 30 and the payment clearing system 40 is as follows:
and S1, the inquiry line system initiates an account information inquiry application according to the account information inquiry request of the user side and submits the account information inquiry application to the block chain network. Similarly, the query bank system may submit the account information query application added with the digital signature to the blockchain network.
And S2, the payment clearing system and the inquired bank system receive the account information inquiry application pushed by the blockchain network in a parallel mode.
And S3, the inquired bank system applies for account information inquiry and checks the validity and the digital signature of the account information inquiry, and submits an account information inquiry identity authentication request to the blockchain network after the validity check and the digital signature check are passed. And the payment clearing system carries out validity check and record on the received account information inquiry application.
And S4, the payment clearing system and the query bank receive the account information query identity authentication request pushed by the blockchain network in a parallel mode.
And S5, the inquiring bank system carries out validity check and digital signature check on the received account information inquiring identity authentication request, and sends account information inquiring identity authentication prompt information to the user side after the validity check and the digital signature check are passed, so that the user side sends the identity authentication information (such as account number, password and other information) of the inquired account to the inquired bank system. And the payment clearing system carries out validity check and recording on the received account information inquiry identity authentication request. S5-1 is that the inquiry bank system sends account information inquiry identity authentication prompt information to the user side; s5-2 is the user end to send the ID authentication information of the inquired account to the inquired bank system.
And S6, the inquired bank system carries out identity authentication on the inquired account according to the received identity authentication information, and returns an account information inquiry response to submit to the blockchain network after the authentication is passed. Optionally, the queried line system may also submit the account information query response with the digital signature added to the blockchain network.
And S7, the payment clearing system and the query bank system receive the account information query response pushed by the blockchain network in a parallel mode. The inquiring bank system carries out validity check and digital signature check on the received account information inquiry response, and outputs inquired account information (including but not limited to information such as account number, account name, account opening bank, account state, balance, available balance and the like) to a user side (namely terminal equipment used by an inquirer) after the validity check and the digital signature check are passed. And the payment clearing system carries out validity check and recording on the received account information inquiry response.
Fig. 6 and 7 respectively show data transmission flows in the above two cases, and as shown in fig. 6 and 7, in the embodiment of the present invention, an account information query flow in the existing serial manner is converted into a parallel manner by using a block chain network, so that the service processing efficiency can be greatly improved. In addition, due to the data distributed storage and tamper-proof characteristics of the blockchain network, in the account information query process provided by the embodiment of the invention, data can be stored to each node of the blockchain network in the transmission process, so that the safety of data storage is greatly improved, and the risk that the transmitted data is tampered by a certain intermediate node in the existing account information query process can be avoided.
Based on the same inventive concept, the embodiment of the present invention further provides an account information query method based on a block chain, which is applied to, but not limited to, the query line system shown in fig. 4. Because the principle of the method for solving the problem is similar to that of the account information inquiry system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 8 is a flowchart of an account information query method for a query bank system according to an embodiment of the present invention, and as shown in fig. 8, the method includes the following steps:
s801, receiving an account information query request from a user side;
s802, initiating an account information query application to the blockchain network according to the account information query request of the user side;
s803, receiving an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application;
and S804, according to the received account information query response result, returning an account information query result to the user side.
Optionally, in order to be applicable to a scenario where the querying party performs identity authentication in the queried line system, before the above S803, the following steps may be further included: receiving an account information query identity authentication request pushed by a blockchain network, wherein the account information query identity authentication request is an authentication request returned to the blockchain network by a queried bank system according to an account information query application; and inquiring the identity authentication request according to the received account information, and returning identity authentication prompt information to the user side, wherein the identity authentication prompt information is used for prompting the user side to send the identity authentication information to the inquired bank system.
It should be noted that, in order to improve data security, the above-mentioned S802 may be implemented by the following steps: generating an account information query application according to an account information query request of a user side; adding a digital signature for the account information query application; and submitting the account information inquiry application added with the digital signature to the blockchain network.
Optionally, after the step S803, the inquiring bank system may further perform validity check on the received account information inquiry response result, and execute the step S804 if the account information inquiry response result passes the validity check; otherwise, the execution of the above S804 is rejected.
Further, if the account information query response result received in the above S803 includes the digital signature of the queried line system, after the above S803, the queried line system may also verify that the account information query response result includes the digital signature.
Based on the same inventive concept, the embodiment of the present invention further provides an account information query method based on a block chain, which is applied to, but not limited to, the queried line system shown in fig. 4. Because the principle of the method for solving the problem is similar to that of the account information inquiry system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 9 is a flowchart of an account information query method for a queried line system according to an embodiment of the present invention, where as shown in fig. 9, the method includes the following steps:
s901, receiving an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user terminal;
and S902, returning an account information query response result to the blockchain network according to the received account information query application.
Specifically, the S902 may include: verifying (e.g., validity checking or digital signature checking) the received account information query application; if the verification is passed, returning an account information query response result; and if the verification is not passed, returning a prompt message for refusing the response of the account information inquiry.
In order to improve data security, S902 may further include: returning an account information query response result according to the received account information query application; adding a digital signature to the account information query response result; and submitting the account information inquiry response result added with the digital signature to the blockchain network.
Optionally, in order to be applicable to a scenario in which the querying party performs identity authentication in the queried line system, the step S102 may be specifically implemented by: according to the received account information query application, returning an account information query identity authentication request to the block chain network; receiving identity authentication information from a user side, and authenticating the received identity authentication information; and returning an account information query response result to the blockchain network according to the authentication result.
It should be noted that, if the account information query application received in the above S901 includes the digital signature of the query bank system, after the above S901, the query bank system may also verify that the account information query application includes the digital signature.
Based on the same inventive concept, the embodiment of the present invention further provides an account information query method based on a block chain, which is applied to, but not limited to, the payment clearing system shown in fig. 2. Because the principle of the method for solving the problem is similar to that of the account information inquiry system based on the block chain, the implementation of the method embodiment can refer to the implementation of the system, and repeated parts are not described again.
Fig. 10 is a flowchart of an account information inquiry method for a payment clearing system according to an embodiment of the present invention, and as shown in fig. 10, the method includes the following steps:
s101, receiving and recording an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side;
and S102, receiving and recording an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
It should be noted that the account information query application received in S101 may be an account information query application obtained by adding a digital signature to the query bank system; the account information query response received in S101 may be an account information query response obtained by adding a digital signature to the query bank system.
Optionally, in the above S101, the payment clearing system may further perform verification (for example, validity check or digital signature check) on the received account information query application, and submit the verification result to the blockchain network; in S102, the payment clearing system may also verify (e.g., validity check or digital signature check) the received account information query response, and submit the verification result to the blockchain network.
It should be noted that, in the embodiment of the present invention, the verification result of the account information inquiry application by the payment clearing system is submitted to the blockchain network, and the verification result is pushed to the inquired bank system through the blockchain network, so that the inquired bank system determines whether to execute the subsequent operation according to the verification result of the account information inquiry application by the payment clearing system. Similarly, the verification result of the account information query response of the payment clearing system is submitted to the blockchain network, and the verification result is pushed to the inquiry bank system through the blockchain network, so that the inquiry bank system can determine whether to execute subsequent operation according to the verification result of the account information query response of the payment clearing system.
Based on the same inventive concept, the embodiment of the present invention further provides an account information query apparatus based on a block chain, which may be applied to, but not limited to, the query line system shown in fig. 4, as described in the following embodiments. Because the principle of the device or system embodiment for solving the problem is similar to that of the above account information query method and system based on the block chain, the implementation of the device or system embodiment may refer to the implementation of the method, and repeated parts are not described again.
Fig. 11 is a schematic diagram of an account information query device for a query bank system according to an embodiment of the present invention, and as shown in fig. 11, the device may include: an account information query request receiving module 111, an account information query application initiating module 112, an account information query response result receiving module 113 and an account information query result returning module 114.
The account information query request receiving module 111 is configured to receive an account information query request from a user side; an account information query application initiation module 112, configured to initiate an account information query application to the blockchain network according to an account information query request of the user side; the account information query response result receiving module 113 is configured to receive an account information query response result pushed by the blockchain network, where the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application; and the account information query result returning module 114 is configured to return an account information query result to the user side according to the received account information query response result.
Further, in order to be applicable to a scenario in which the inquiring party performs identity authentication on the inquired line system, as shown in fig. 11, the apparatus may further include: the account information query identity authentication prompt module 115 is configured to receive an account information query identity authentication request pushed by the blockchain network, query an identity authentication request according to the received account information, and return identity authentication prompt information to the user side, where the account information query identity authentication request is an authentication request returned by the queried bank system to the blockchain network according to the account information query application, and the identity authentication prompt information is used to prompt the user side to send identity authentication information to the queried bank system.
Optionally, in order to improve data security, the account information query application initiating module 112 may be further configured to perform the following steps: generating an account information query application according to an account information query request of a user side; adding a digital signature for the account information query application; and submitting the account information inquiry application added with the digital signature to the blockchain network.
Further, the account information query request receiving module 111 may be further configured to perform validity check on the received account information query response result, and execute the function of the account information query application initiating module 112 when the account information query response result passes the validity check; otherwise, the function of the account information inquiry application initiating module 112 is not executed.
When the account information query response result received by the account information query response result receiving module 113 includes the digital signature of the queried line system, the account information query response result receiving module 113 may also be configured to verify that the account information query response result includes the digital signature. If the digital signature passes the verification, the function of the above-mentioned account information query result returning module 114 is executed; otherwise, the function of the account information query result returning module 114 is not executed.
Based on the same inventive concept, the embodiment of the present invention further provides an account information query apparatus based on a block chain, which may be applied to, but not limited to, the queried line system shown in fig. 4, as described in the following embodiments. Because the principle of the device or system embodiment for solving the problem is similar to that of the above account information query method and system based on the block chain, the implementation of the device or system embodiment may refer to the implementation of the method, and repeated parts are not described again.
Fig. 12 is a schematic diagram of an account information query device for a payment clearing system provided in an embodiment of the present invention, and as shown in fig. 12, the device may include: an account information query application receiving module 121 and an account information query response module 122.
The account information query application receiving module 121 is configured to receive an account information query application pushed by a blockchain network, where the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side; the account information query response module 122 is configured to return an account information query response result to the blockchain network according to the received account information query application.
Specifically, the account information query application receiving module 121 is further configured to execute the following steps: verifying (e.g., validity checking or digital signature checking) the received account information query application; if the verification is passed, returning an account information query response result; and if the verification is not passed, returning a prompt message for refusing the response of the account information inquiry.
In order to improve data security, the account information query response module 122 is further configured to perform the following steps: returning an account information query response result according to the received account information query application; adding a digital signature to the account information query response result; and submitting the account information inquiry response result added with the digital signature to the blockchain network.
Further, in order to be applicable to a scenario in which the inquiring party performs identity authentication on the inquired line system, as shown in fig. 12, the apparatus may further include: the account information query identity authentication module 123 is configured to return an account information query identity authentication request to the blockchain network according to the received account information query application; and receiving the identity authentication information from the user side, and authenticating the received identity authentication information. The account information query response module 122 is further configured to return an account information query response result to the blockchain network according to the authentication result of the account information query identity authentication module 123.
Optionally, in order to improve data security, the account information query response module 122 may further include
Based on the same inventive concept, the embodiment of the present invention further provides an account information query device based on a block chain, which may be applied to, but not limited to, the payment clearing system shown in fig. 4, as described in the following embodiments. Because the principle of the device or system embodiment for solving the problem is similar to that of the above account information query method and system based on the block chain, the implementation of the device or system embodiment may refer to the implementation of the method, and repeated parts are not described again.
Fig. 13 is a schematic diagram of an account information query device for a payment and clearing system provided in an embodiment of the present invention, and as shown in fig. 13, the device may include: an account information query application recording module 131 and an account information query response result recording module 132.
The account information query application recording module 131 is configured to receive and record an account information query application pushed by a blockchain network, where the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side; the account information query response result recording module 132 is configured to receive and record an account information query response result pushed by the blockchain network, where the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
Optionally, the account information query application recording module 131 may be further configured to verify (for example, validity check or digital signature check) the received payment information verification response result, and submit the verification result to the blockchain network; the account information query response result recording module 132 may be further configured to verify (e.g., check validity or check digital signature) the received payment information verification response result, and submit the verification result to the blockchain network.
Based on the same invention concept, the embodiment of the invention also provides a computer device, which is used for solving the technical problems that the existing account information query service processing flow adopts a serial mode to transmit data, so that the flow is complicated, the efficiency is low, and the data is easy to be falsified.
Based on the same inventive concept, the embodiment of the present invention further provides a computer-readable storage medium, so as to solve the technical problems that the existing account information query service processing flow adopts a serial manner to transmit data, which results in a complicated flow, low efficiency, and easy data tampering, and the computer-readable storage medium stores a computer program for executing the block chain-based account information query method.
In summary, embodiments of the present invention provide an account information query method, an apparatus, a system, a computer device, and a computer readable storage medium based on a block chain, where the block chain is introduced as a carrier for transmitting and storing account information query information, so as to implement an account information query business processing flow in a payment field, and an inquiry bank, a payment clearing system, and an inquired bank perform information transmission of the account information query business flow around a block chain network, and the block chain network stores information submitted by each party, thereby forming a distributed shared account book, which can achieve, but is not limited to, the following technical effects that ① reduces serial processing of the account information query processing flow, improves information transmission efficiency, and improves business processing efficiency by virtue of the characteristics of block chain data transparency and real-time sharing, ② enhances reliability and security of account query information storage by virtue of non-tamper modification of the block chain technology, thereby forming a shared account information query account book, and state information of the account information query processing flow of ③ remains consistent on each block chain network node, and intermediate transmission links are reduced, thereby implementing symmetry of information of each participant.
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-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (14)

1. An account information inquiry system based on a block chain is characterized by comprising: the system comprises a block chain network, an inquiry bank system, an inquired bank system and a payment clearing system; the inquiry bank system, the inquired bank system and the payment clearing system are respectively accessed to the block chain network through a block chain client;
the query bank system is used for initiating an account information query application to the block chain network according to an account information query request of a user side;
the inquired bank system is used for receiving an account information inquiry application pushed by the blockchain network and returning an account information inquiry response result to the blockchain network according to the received account information inquiry application;
the payment clearing system is used for receiving and recording the account information query application and the account information query response result pushed by the blockchain network;
the query bank system is further used for receiving the account information query response result pushed by the block chain network, and returning the account information query result to the user side according to the received account information query response result.
2. The system of claim 1,
the inquired bank system is also used for returning an account information inquiry identity authentication request to the block chain network according to the received account information inquiry application;
the query bank system is further configured to receive an account information query identity authentication request pushed by the blockchain network, query the identity authentication request according to the received account information, and return identity authentication prompt information to the user side, where the identity authentication prompt information is used to prompt the user side to send identity authentication information to the queried bank system;
and the inquired bank system is also used for receiving the identity authentication information from the user side, authenticating the received identity authentication information and returning an account information inquiry response result to the block chain network according to the authentication result.
3. An account information query method based on a block chain is characterized by being applied to a query line system and comprising the following steps:
receiving an account information query request from a user side;
initiating an account information query application to the blockchain network according to the account information query request of the user side;
receiving an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application;
and returning an account information query result to the user side according to the received account information query response result.
4. The method of claim 3, wherein prior to receiving the account information query response result pushed by the blockchain network, the method further comprises:
receiving an account information query identity authentication request pushed by a blockchain network, wherein the account information query identity authentication request is an authentication request returned to the blockchain network by a queried bank system according to an account information query application;
and inquiring an identity authentication request according to the received account information, and returning identity authentication prompt information to the user side, wherein the identity authentication prompt information is used for prompting the user side to send the identity authentication information to the inquired bank system.
5. An account information query method based on a block chain is characterized by being applied to a queried line system and comprising the following steps:
receiving an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side;
and returning an account information query response result to the block chain network according to the received account information query application.
6. The method of claim 5, wherein returning account information query response results to the blockchain network according to the received account information query application comprises:
according to the received account information query application, returning an account information query identity authentication request to the blockchain network;
receiving identity authentication information from a user side, and authenticating the received identity authentication information;
and returning an account information query response result to the block chain network according to the authentication result.
7. An account information query method based on a block chain is applied to a payment clearing system and comprises the following steps:
receiving and recording an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side;
and receiving and recording an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
8. An account information inquiry device based on a block chain is applied to an inquiry line system and comprises:
the account information query request receiving module is used for receiving an account information query request from a user side;
the account information query application initiating module is used for initiating an account information query application to the blockchain network according to an account information query request of the user side;
the account information query response result receiving module is used for receiving an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application;
and the account information query result returning module is used for returning an account information query result to the user side according to the received account information query response result.
9. The apparatus of claim 8, wherein the apparatus further comprises:
the account information query identity authentication prompt module is used for receiving an account information query identity authentication request pushed by a blockchain network, querying the identity authentication request according to the received account information, and returning identity authentication prompt information to the user side, wherein the account information query identity authentication request is an authentication request returned to the blockchain network by the queried bank system according to the account information query application, and the identity authentication prompt information is used for prompting the user side to send the identity authentication information to the queried bank system.
10. An account information inquiry device based on a block chain is characterized in that the account information inquiry device is applied to an inquired line system and comprises:
the account information query application receiving module is used for receiving an account information query application pushed by a blockchain network, wherein the account information query application is used for initiating an account information query application to the blockchain network by a query bank system according to an account information query request of a user side;
and the account information query response module is used for returning an account information query response result to the block chain network according to the received account information query application.
11. The apparatus of claim 10, wherein the apparatus further comprises:
the account information query identity authentication module is used for returning an account information query identity authentication request to the block chain network according to the received account information query application; and receiving the identity authentication information from the user side, and authenticating the received identity authentication information.
12. An account information inquiry device based on a block chain is applied to a payment clearing system and comprises:
the account information query application recording module is used for receiving and recording an account information query application pushed by a blockchain network, wherein the account information query application is an account information query application initiated by a query bank system to the blockchain network according to an account information query request of a user side;
and the account information query response result recording module is used for receiving and recording an account information query response result pushed by the blockchain network, wherein the account information query response result is a query response result returned to the blockchain network by the queried bank system according to the account information query application.
13. 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 block chain based account information query method according to any one of claims 3 to 7 when executing the computer program.
14. A computer-readable storage medium storing a computer program for executing the blockchain-based account information inquiry method according to any one of claims 3 to 7.
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CN111967061A (en) * 2020-08-18 2020-11-20 中国银行股份有限公司 Credible account transfer transaction method and device based on block chain
CN111967061B (en) * 2020-08-18 2024-04-16 中国银行股份有限公司 Block chain-based trusted account transfer transaction method and device
CN112150150A (en) * 2020-09-30 2020-12-29 重庆市科学技术研究院 Block chain-based electronic ticket transaction system and method
CN112150150B (en) * 2020-09-30 2023-08-08 重庆市科学技术研究院 Electronic ticket transaction system and method based on blockchain
CN113011882A (en) * 2021-04-23 2021-06-22 上海和数软件有限公司 Power data information query system based on block chain, electronic equipment and medium
CN113190868A (en) * 2021-05-27 2021-07-30 银清科技有限公司 Payment information viewing method and node based on block chain system
WO2023124107A1 (en) * 2021-12-27 2023-07-06 中国银联股份有限公司 Information query method and apparatus, device, and computer readable storage medium
CN115063221A (en) * 2022-05-26 2022-09-16 重庆银行股份有限公司 Bank client data cross-bank query method, computer device and storage medium
CN115063221B (en) * 2022-05-26 2023-10-27 重庆银行股份有限公司 Bank customer data cross-line query method, computer device and storage medium

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