CN111862486A - Card making method, device and system based on alliance chain - Google Patents
Card making method, device and system based on alliance chain Download PDFInfo
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Abstract
The invention provides a card making method, device and system based on a alliance chain. The card making method based on the alliance chain is applied to an alliance chain network and comprises the following steps: receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information; sending a card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request; and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal can make a card according to the card making instruction. The invention can integrate the card-making terminals of each card issuing mechanism through a uniform alliance chain network, realize the inter-bank rapid card issuing and reduce the risk of capital loss and the card handling cost.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a card making method, device and system based on an alliance chain.
Background
With the development of bank card business, the appeal of rapidly transacting the card and getting the card is highlighted by a user based on a specific transaction scene. But the current rapid card making mode commonly used by banks can not really meet the requirement.
Because the card issuing institutions are independent, inter-bank card handling is performed under the scene, the fund loss risk of a bank is difficult to reduce, and the problem of untight risk control exists, the current rapid card making system of the bank depends on manual intervention of the card issuing bank: after a user applies for card transaction at a bank outlet, a teller generally needs to perform user identity authentication, then user application information is input into a system for verification, after the system finishes card opening and approval, an operation teller initiates a card making request to the system, and finally a background system returns a card making instruction to a card making terminal of the outlet to complete instant card making. The rapid card making mode needs to be applied and transacted at the card issuing bank outlet, is low in efficiency, is restricted by the geographical position and the business hours of the outlet, has high dependence on an operator, increases the labor cost of a bank, and cannot effectively meet the requirement of a user on rapid card transaction under the condition of a specific transaction scene.
Disclosure of Invention
The embodiments of the present invention mainly aim to provide a card making method, device and system based on alliance chain, so as to integrate card making terminals of each card issuing organization through a unified alliance chain network, implement inter-bank fast card issuing, and reduce the risk of capital loss and the card handling cost.
In order to achieve the above object, an embodiment of the present invention provides a card making method based on a federation chain, where the card making method is applied to a federation chain network, and includes:
receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information;
sending a card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request;
and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal can make a card according to the card making instruction.
The embodiment of the invention also provides a card making device based on the alliance chain, wherein the card making device is applied to an alliance chain network and comprises the following steps:
the receiving unit is used for receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information; receiving a card making instruction and card making terminal information from a card making server;
the sending unit is used for sending the card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the information of the card issuer so that the card making server generates a card making instruction according to the card making instruction acquisition request; and sending the card making instruction to the corresponding card making terminal according to the card making terminal information so that the card making terminal can make the card according to the card making instruction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor realizes the steps of the alliance-chain-based card making method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, and the computer program realizes the steps of the alliance-link-based card making method when being executed by a processor.
An embodiment of the present invention further provides a card making system based on a federation chain, including:
the card making terminal, the card making device based on the alliance chain and the card making server; the card making terminal, the card making device based on the alliance chain and the card making server form an alliance chain network;
the card making terminal sends a card making instruction acquisition request carrying card issuing bank information to a card making device;
the card making device receives a card making instruction obtaining request and sends the card making instruction obtaining request to a corresponding card making server according to the information of the card issuing bank;
the card making server generates a card making instruction according to the card making instruction acquisition request, and sends the card making instruction and the card making terminal information to the card making device;
the card making device receives the card making instruction and the card making terminal information and sends the card making instruction to a corresponding card making terminal according to the card making terminal information;
And the card making terminal makes the card according to the card making instruction.
According to the card making method, device and system based on the alliance chain, the card making instruction acquisition request is sent to the corresponding card making server in the alliance chain network according to the card issuing bank information so that the card making server can generate the card making instruction according to the card making instruction acquisition request, then the card making instruction is sent to the corresponding card making terminal in the alliance chain network according to the card making terminal information so that the card making terminal can make a card according to the card making instruction, the card making terminals of all card issuing organizations can be integrated through the unified alliance chain network, the inter-bank rapid card issuing is achieved, and the capital loss risk and the card handling cost are reduced.
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 will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
FIG. 1 is a flow chart of a federation chain-based card-making method in an embodiment of the present invention;
FIG. 2 is a schematic diagram of a federated chain network in an embodiment of the present invention;
FIG. 3 is a flow chart of a federation chain-based card-making method in another embodiment of the present invention;
FIG. 4 is a flow chart of authentication and authorization in an embodiment of the present invention;
FIG. 5 is a block diagram of a card making apparatus based on a federation chain in the embodiment of the present invention;
FIG. 6 is a block diagram of a computer apparatus according to an embodiment of the present invention;
FIG. 7 is a block diagram of a federation chain-based card-making system in an embodiment of the present invention;
FIG. 8 is a block diagram of a card-making terminal according to an embodiment of the present invention;
FIG. 9 is a block diagram of the configuration of a credential reading module in an embodiment of the invention;
FIG. 10 is a block diagram of a face recognition module according to an embodiment of the present invention;
fig. 11 is a block diagram of the card making driver module, the 3D printing module, the card making device, and the card making server in the embodiment of the present invention;
fig. 12 is a block diagram of a 3D printing module in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In view of the low efficiency of the existing card making technology and the incapability of meeting the requirement of quick card making of a user, the embodiment of the invention provides a card making method based on a alliance chain, so as to realize quick inter-bank card issuing and reduce the card making cost. The present invention will be described in detail below with reference to the accompanying drawings.
The alliance chain system is a decentralized distributed accounting system, blocks are associated by a cryptography method, and the alliance chain system has the characteristics of openness, transparency, no tampering, traceability and the like, can effectively ensure the authenticity of transactions, and can conveniently realize the identity authentication of transaction participants based on the digital identity of an alliance chain, thereby realizing the transaction authorization of equipment or users. Meanwhile, the added node has higher trust degree based on the alliance chain network in which a plurality of mechanisms participate together, and data sharing among the mechanisms can be realized. Therefore, the method can be well applied to transaction scenes such as management and authorization of inter-institution card making equipment, and data sharing of user card handling risk screening information. On the other hand, the inherent flexibility of the 3D printing technology can solve the problem that the traditional card making terminal is dependent on the card edition in a preset mode, so that the card making terminal can be used as a universal card making device, node authorization and management are carried out through an alliance chain, and rapid card making and issuing are achieved.
The card making method based on the alliance chain is applied to an alliance chain network which is constructed by different card issuing organizations together, card making transaction verification, card making equipment authorization and data sharing are completed through a consensus (self-service bank card 3D printing) card making terminal and an auxiliary service network, and the printing terminal completes decryption and translation of card making instructions and rapid printing card making. The invention realizes the node sharing of the card making terminal through the alliance chain network which is jointly established by the participating institutions, and carries out equipment authorization and transaction verification on the basis of the digital ID of the participating nodes, thereby realizing the cross-institution sharing of the card making terminal; the user card transaction data and the blacklist data of each participating mechanism are linked to form a shared blacklist user and a suspicious transaction data lake, so that the actions of malicious card transaction and cash register of the user are effectively avoided, and the bank fund loss risk is reduced; the transaction consensus mechanism of the limited nodes (the card making terminal and the card making server which actually participate in the card making transaction) is set, so that the sensitive information between different joined members of the alliance chain is relatively independent, the data is prevented from being leaked between different members based on the asymmetric encryption technology, and the safe and credible rapid card issuing target is finally realized.
Specifically, the (card issuer) alliance chain is a block chain platform which is commonly participated by each card issuer and is built based on the block chain technology, and has limited authorized joining nodes, and the authority of different nodes is limited. Only the node on the alliance chain can read and access the information on the alliance chain, and the leakage risk of card making data is effectively prevented. Each participating mechanism node shares blacklist user data, part of participating mechanism nodes can share user card holding information data, information data of each card making terminal node and other sharing data which do not relate to user privacy and can be disclosed among participating mechanisms; the alliance chain also has an auxiliary service network which can be used for point-to-point encryption transmission and data query by connecting a public security system and a credit investigation system, and is used for file information transmission and user certificate information verification among different transaction main body nodes.
For the user applying for card transaction and card making transaction described in the invention, the alliance chain can carry out independent authorization of corresponding nodes according to the application information of the user, thereby realizing the privacy of data; and the system card server is responsible for authorizing equipment of the printing terminal and transmitting a card making command sent by the card making server through a service network. The certification and authorization of the user and the equipment can be conveniently carried out through the card issuing organization alliance chain, and the information protection of the card making instruction can be realized, so that the inter-row and inter-organization card issuing is realized.
Fig. 1 is a flowchart of a federation chain-based card-making method in an embodiment of the present invention. Fig. 2 is a schematic diagram of a federation chain network in an embodiment of the present invention. Fig. 3 is a flowchart of a federation chain-based card-making method in another embodiment of the present invention. Fig. 4 is a flowchart of authentication and authorization in an embodiment of the present invention. As shown in fig. 1-4, the alliance-link network 100 includes not only the card-making terminal 200 and the card-making server 300, but also a user end node of a supervisor, a user end node of an issuer account opening system, and other participant nodes that need transaction assistance, such as a transaction blacklist retrieval node (for card transaction verification) and an authority management node (for certificate management of each participant node), which constitute a card-making device (not shown in fig. 2). The alliance-link network participates in the consensus verification of the alliance-link network through the corresponding alliance-link nodes by the main bodies (namely the card making terminal 200 and the card making server 300) participating in the transaction; the consensus node only acquires the card making result and does not acquire all the account book data, so that data leakage of the consensus node in the card making process of the user is prevented. A user-side node of the card-making terminal 200 is accessed to the alliance-link network 100 through a wireless communication network; the customer premises nodes of the card-making server 300 access the alliance-link network 100 through a private network. The user end nodes can join the alliance chain network 100 after applying for the user end nodes, and each node entering the chain has a unique digital ID as a device identifier and is used for device verification and card making transaction authorization when transaction is initiated.
As shown in fig. 1, the card manufacturing method based on the alliance chain includes:
s101: and receiving a card making instruction acquisition request from a card making terminal of the alliance link network.
The card making instruction acquisition request comprises card issuer information.
S102: and sending the card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request.
And only the card making server corresponding to the card issuer information is authorized to obtain the card making instruction obtaining request, so that data leakage can be avoided.
In one embodiment, the card-making instruction obtaining request further includes card-handling application information, an equipment authorization code generated according to a successful authorization verification result, a transaction retrieval number, and card-making terminal information. The card making terminal information includes a digital ID and a transaction terminal number.
The card making server generates a card making instruction according to the card making instruction acquisition request, and the method comprises the following steps:
and the card making server verifies the equipment authorization code, generates a card making instruction according to the card making instruction acquisition request when the verification is successful, and encrypts the card making instruction according to a card making terminal public key corresponding to the card making terminal information.
S103: and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal can make a card according to the card making instruction.
The card making instruction is sent to the card making terminal corresponding to the card making terminal information, so that the card making instruction can be prevented from being acquired by other card making terminals. The card making command is the evidence of card making and contains the basic information of the card and the chip, and after the card making command is executed once, the card making command is automatically destroyed and cannot be reused.
In one embodiment, the card-making instructions include a transaction retrieval number; the card making terminal makes the card according to the card making instruction comprises the following steps: the card making terminal decrypts the card making instruction according to the card making terminal private key and rechecks the transaction retrieval number; and when the rechecking is successful, card making is carried out according to the decrypted card making instruction.
When the method is specifically implemented, the method can be used for rechecking according to the transaction retrieval number in the card making instruction and the transaction retrieval number in the card transacting authentication information, so that the card making instruction is ensured to be a real transaction which is currently processed, and the card making instruction is prevented from being executed mistakenly under an abnormal condition.
The card making according to the decrypted card making instruction comprises the following steps: and translating the instruction, calling the 3D printing module to print the card entity, and calling the chip reading and writing module to write in the chip information.
After executing S103, the method further includes: receiving a card making result from a card making terminal; carrying out consensus on the card making results; and when the consensus passes, packaging the card making result generation block and completing alliance chain accounting.
In specific implementation, the card making terminal can be used as a consensus initiator, and a user terminal program is called to pack and submit the card making result and the verification data to the card making device based on the alliance chain.
The card making method based on the alliance chain shown in figure 1 is applied to an alliance chain network. As can be seen from the process shown in fig. 1, in the alliance-chain-based card manufacturing method according to the embodiment of the present invention, a card manufacturing instruction acquisition request is first sent to a corresponding card manufacturing server in an alliance-chain network according to issuer information, so that the card manufacturing server generates a card manufacturing instruction according to the card manufacturing instruction acquisition request, and then the card manufacturing instruction is sent to a corresponding card manufacturing terminal in the alliance-chain network according to the card manufacturing terminal information, so that the card manufacturing terminal performs card manufacturing according to the card manufacturing instruction, and card manufacturing terminals of each card issuing organization can be integrated through a unified alliance-chain network, so that inter-enterprise rapid card issuing is achieved, and a capital loss risk and a card handling cost are reduced.
In addition, the prior art can not avoid the deliberate cash-out behaviors such as malicious card handling of the user and the like. The user blacklist information in the traditional card issuing and card making technology is mutually independent among the card issuing mechanisms, so that the fund loss risk of a bank is difficult to effectively reduce, and the problem that the risk is not strictly controlled exists. To solve the above technical problem, before executing S101, the federation chain-based card-making method according to the embodiment of the present invention further includes:
1. And receiving card transaction authentication information from the card making terminal.
The card registration authentication information comprises card registration application information, certificate information and face information. A user selects a bank card product to be transacted at a card making terminal, inputs card transaction application information and uploads certificate information; the card making terminal collects face information of a user, generates card handling authentication information according to the card handling application information, the certificate information and the face information, and uploads the card handling authentication information to a card making device based on the alliance chain for authentication. The card application information can include identity card information, mobile phone information and the like.
In specific implementation, the card-handling authentication information may further include transaction attribute information of the card-handling transaction, such as a transaction serial number, a transaction search number, a transaction time, a transaction terminal number, an application channel, a card-issuing bank identifier, a transaction area code, and the like, which are required to identify basic attribute information of the transaction.
2. And generating a user authentication result according to the card registration authentication information.
In one embodiment, generating the user authentication result according to the card-handling authentication information comprises: comparing the face information with the certificate retained photo to obtain a face comparison result; sending the certificate information to a public security information system through a service auxiliary network to obtain a certificate authentication result; suspicious list retrieval is carried out on a user blacklist shared by the alliance chain network through the transaction blacklist retrieval node according to the card transaction application information, so that the bank fund loss risk caused by data isolated islands among card issuing institutions is effectively reduced. The invention relates to a method for judging whether malicious card transacting behaviors exist in a user by a user end node of a supervision mechanism, which comprises the steps of acquiring the sharable card holding condition of a alliance chain network by the user end node of the supervision mechanism, and judging whether the malicious card transacting behaviors exist in the user by combining the average card holding quantity of users in the region, the per-capita card holding quantity of existing risk users and the total card holding quantity of the user among card issuing mechanisms in card transacting application information; the user end node of the monitoring mechanism can also compare and analyze the accumulated card transaction increasing amount of the user in the current statistical period with the card transaction increasing amount of the user in the past period, and judge whether the user has malicious card transaction behaviors or not by combining the average card transaction increasing amount of the user in the current statistical period of the region with the card transaction increasing amount of the current risk user. The invention can also carry out suspicious transaction verification according to the transaction frequency and the transaction time. And when the face comparison result is normal, the certificate authentication result is normal, the user corresponding to the card transacting authentication information is not on the user blacklist, the user has no malicious card transacting behavior, and the suspicious transaction verification result is normal, the authentication is passed, account opening is completed through the service auxiliary network, and the user authentication result is generated.
When the method is specifically implemented, if the bank card product to be transacted by the user is a credit card, after acquiring the application information of transacting the card and verifying the identity, according to the industry, the job, the income and the family expenditure conditions filled by the user, the initial credit granting calculation is carried out after the credit granting conditions of the existing card holding information of the user, the user groups of the same type in the region and the credit card products of the same type are combined according to the user filling-in industry, the job, the income and the family expenditure conditions, so that the credit granting calculation difference of the users of the same type among different card issuing mechanisms can be reduced, the wind control level is improved, and the user privacy is effectively protected.
3. And returning the user authentication result to the card making terminal so that the card making terminal sends a transaction authorization request message according to the user authentication result.
In specific implementation, the transaction authorization request message includes a digital ID, a transaction terminal number, a terminal MAC address, a transaction search number, transaction time, and the like. And the card making terminal signs the transaction authorization request message according to the card making terminal private key and sends the transaction authorization request message to the card making device.
In one embodiment, the authentication further includes:
1. and receiving a transaction authorization request message from the card making terminal and signed by the private key of the card making terminal.
2. And verifying the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key.
In specific implementation, the authority management node verifies the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key and the digital ID. The digital ID and the card making terminal private key are generated when the card making terminal is put in for the first time and is accessed to an alliance chain network for registration verification, and then are encrypted and stored in the card making terminal to serve as an identity certificate of the card making terminal. The digital ID and the card making terminal private key can be written into a file system of the card making terminal after being locally encrypted, and can also be written into a local chip to prevent malicious extraction.
3. And when the signature passes the verification, performing authorization verification according to the transaction authorization request message.
In specific implementation, the authority management node confirms the safety of the card making terminal according to the terminal MAC address and the transaction terminal number; and comparing the transaction retrieval number in the card transaction authentication information with the transaction retrieval number in the transaction authorization request message to confirm the authenticity of the transaction authorization request. The authorization check passes when the security of the card-making terminal and the authenticity of the transaction authorization request are correct.
4. And when the authorization verification passes, returning an authorization verification success result to the card making terminal so that the card making terminal sends a card making instruction acquisition request according to the authorization verification success result.
The specific process of the embodiment of the invention is as follows:
1. a user selects a bank card product to be transacted at a card making terminal, inputs card transaction application information and uploads certificate information; the card making terminal collects face information of a user, generates card handling authentication information according to the card handling application information, the certificate information and the face information, and uploads the card handling authentication information to a card making device based on the alliance chain for authentication.
2. And the card making device generates a user authentication result according to the card transacting authentication information and returns the user authentication result to the card making terminal.
3. And the card making terminal generates a transaction authorization request message according to the user authentication result, signs the transaction authorization request message through a card making terminal private key and sends the transaction authorization request message to the card making device.
4. The card making device verifies the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key, and when the signature passes the verification, authorization verification is carried out according to the transaction authorization request message; and when the authorization check passes, returning an authorization check success result to the card making terminal.
5. And the card making terminal sends a card making instruction acquisition request to the card making device according to the successful authorization verification result.
6. And the card making device sends the card making instruction acquisition request to a corresponding card making server according to the card issuer information in the card making instruction acquisition request. The card-making instruction acquisition request comprises a device authorization code generated according to the successful result of authorization verification.
7. The card making server verifies the equipment authorization code, when verification is successful, the card making server generates a card making instruction according to the card making instruction obtaining request, encrypts the card making instruction according to a card making terminal public key corresponding to the card making terminal information, and sends the encrypted card making instruction and the encrypted card making terminal information to the card making device. The card-making instruction includes a transaction retrieval number.
8. And the card making device receives the card making instruction and the card making terminal information and sends the card making instruction to the corresponding card making terminal according to the card making terminal information.
9. The card making terminal decrypts the card making instruction according to the card making terminal private key and rechecks the transaction retrieval number; and when the rechecking is successful, translating the instruction, calling the 3D printing module to print the card entity, and calling the chip reading and writing module to write in the chip information.
In summary, the embodiment of the invention solves the defects of the prior art in aspects of card issuing efficiency, service constraint, labor cost and the like, realizes a convenient and fast self-service card issuing function, and reduces the card applying cost of a user. Meanwhile, the card manufacturing terminals of the card issuing mechanisms are integrated based on the alliance chain technology, so that rapid card issuing which is not restricted by geographical positions of network points and can be across lines and institutions can be realized, convenience is improved, data safety and privacy protection can be realized, the resource utilization rate is improved, meanwhile, industrial data resources are integrated, the card issuing business risk is reduced, and the card issuing and customer extending functions of commercial banks are greatly improved.
The embodiment of the invention can be further expanded, and provides personalized and customized services for users by combining with specific scene marketing, for example, the users select card surfaces, card versions or printing materials by themselves, and finished card products are immediately output by a 3D printing technology, so that the interest of the users in card transaction is greatly improved, and the card transaction experience is powerfully improved.
Based on the same inventive concept, the embodiment of the invention also provides a card making device based on the alliance chain, and as the principle of solving the problems of the device is similar to the card making method based on the alliance chain, the implementation of the device can refer to the implementation of the method, and repeated parts are not repeated.
Fig. 5 is a block diagram of a card making device based on a federation chain in the embodiment of the present invention. As shown in fig. 5, the card making apparatus is applied to a alliance-link network, and includes:
the receiving unit is used for receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information; receiving a card making instruction and card making terminal information from a card making server;
the sending unit is used for sending the card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the information of the card issuer so that the card making server generates a card making instruction according to the card making instruction acquisition request; and sending the card making instruction to the corresponding card making terminal according to the card making terminal information so that the card making terminal can make the card according to the card making instruction.
In one embodiment, the card-making instruction acquisition request further comprises an equipment authorization code and card-making terminal information;
the card making server generates a card making instruction according to the card making instruction acquisition request, and the method comprises the following steps:
and the card making server verifies the equipment authorization code, generates a card making instruction according to the card making instruction acquisition request when the verification is successful, and encrypts the card making instruction according to a card making terminal public key corresponding to the card making terminal information.
In one embodiment, the card-making instructions include a transaction retrieval number;
the card making terminal makes the card according to the card making instruction comprises the following steps:
the card making terminal decrypts the card making instruction according to a card making terminal private key and rechecks the transaction retrieval number; and when the rechecking is successful, card making is carried out according to the decrypted card making instruction.
In one embodiment, the receiving unit is further configured to:
receiving a card making result from a card making terminal;
the card making device based on the alliance chain further comprises:
the consensus unit is used for performing consensus on the card making result;
and the packing unit is used for packing the card making result generation block and finishing alliance chain accounting when the consensus passes.
In one embodiment, the receiving unit is further configured to:
Receiving card handling authentication information from a card making terminal;
the card making device based on the alliance chain further comprises:
the authentication unit is used for generating a user authentication result according to the card handling authentication information; in practical application, the authentication unit comprises a user end node of a supervision institution and a transaction blacklist retrieval node;
and the returning unit is used for returning the user authentication result to the card making terminal so that the card making terminal sends the transaction authorization request message according to the user authentication result.
In one embodiment, the receiving unit is further configured to: receiving a transaction authorization request message from a card making terminal and signed by a private key of the card making terminal;
the card making device based on the alliance chain further comprises:
the verification unit is used for verifying the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key;
the authorization verification unit is used for performing authorization verification according to the transaction authorization request message when the signature verification passes;
in practical application, the authority management node comprises an authentication unit and an authorization verification unit;
the return unit is further configured to:
and when the authorization verification passes, returning an authorization verification success result to the card making terminal so that the card making terminal sends a card making instruction acquisition request according to the authorization verification success result.
To sum up, the alliance-chain-based card making device according to the embodiment of the invention firstly sends a card making instruction acquisition request to a corresponding card making server in an alliance-chain network according to card issuer information so that the card making server can acquire the request according to the card making instruction to generate a card making instruction, and then sends the card making instruction to a corresponding card making terminal in the alliance-chain network according to the card making terminal information so that the card making terminal can make a card according to the card making instruction, and can integrate the card making terminals of all card issuing institutions through a unified alliance-chain network, thereby realizing the inter-bank rapid card issuing and reducing the capital loss risk and the card handling cost.
The embodiment of the present invention further provides a specific implementation manner of a computer device, which can implement all the steps in the card manufacturing method based on the federation chain in the above embodiment. Fig. 6 is a block diagram of a computer device in an embodiment of the present invention, and referring to fig. 6, the computer device specifically includes the following:
a processor (processor)601 and a memory (memory) 602.
The processor 601 is configured to call a computer program in the memory 602, and the processor executes the computer program to implement all the steps in the federation chain-based card making method in the above embodiment, for example, when executing the computer program, the processor implements the following steps:
Receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information;
sending a card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request;
and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal can make a card according to the card making instruction.
To sum up, the computer device according to the embodiment of the present invention first sends a card making instruction obtaining request to a corresponding card making server in the alliance chain network according to the card issuer information, so that the card making server obtains the request according to the card making instruction to generate a card making instruction, and then sends the card making instruction to a corresponding card making terminal in the alliance chain network according to the card making terminal information, so that the card making terminal makes a card according to the card making instruction, and can integrate the card making terminals of each card issuer through a unified alliance chain network, thereby implementing inter-bank fast card issuing, and reducing the capital loss risk and the card handling cost.
An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the federation chain-based card-making method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, implements all the steps of the federation chain-based card-making method in the foregoing embodiment, for example, when the processor executes the computer program, implements the following steps:
Receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information;
sending a card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request;
and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal can make a card according to the card making instruction.
To sum up, the computer-readable storage medium according to the embodiment of the present invention first sends a card making instruction obtaining request to a corresponding card making server in the alliance chain network according to the card issuer information, so that the card making server obtains the request according to the card making instruction to generate a card making instruction, and then sends the card making instruction to a corresponding card making terminal in the alliance chain network according to the card making terminal information, so that the card making terminal makes a card according to the card making instruction, and can integrate the card making terminals of each card issuer through the unified alliance chain network, thereby implementing inter-bank fast card issuing, and reducing the risk of capital loss and card handling cost.
Based on the same inventive concept, the embodiment of the invention also provides a card making system based on the alliance chain, and as the principle of solving the problems of the system is similar to the card making method based on the alliance chain, the implementation of the system can refer to the implementation of the method, and repeated parts are not repeated.
Fig. 7 is a block diagram of a card making system based on a federation chain in the embodiment of the present invention. Fig. 8 is a block diagram of a card-making terminal in the embodiment of the present invention. FIG. 9 is a block diagram of the credential reading module in an embodiment of the invention. Fig. 10 is a block diagram of the structure of the face recognition module in the embodiment of the present invention. Fig. 11 is a block diagram of the card making driver module, the 3D printing module, the card making device, and the card making server according to the embodiment of the present invention. Fig. 12 is a block diagram of a 3D printing module in the embodiment of the present invention.
As shown in fig. 7 to 12, the federation chain-based card-making system includes:
the card making terminal, the card making device based on the alliance chain and the card making server; the card making terminal, the card making device based on the alliance chain and the card making server form an alliance chain network;
the card making terminal sends a card making instruction acquisition request carrying card issuing bank information to a card making device;
the card making device receives a card making instruction obtaining request and sends the card making instruction obtaining request to a corresponding card making server according to the information of the card issuing bank;
the card making server generates a card making instruction according to the card making instruction acquisition request, and sends the card making instruction and the card making terminal information to the card making device;
the card making device receives the card making instruction and the card making terminal information and sends the card making instruction to a corresponding card making terminal according to the card making terminal information;
And the card making terminal makes the card according to the card making instruction.
In practical application, the card making terminal comprises an information input module 201, which is used for inputting card application information and providing the information for a human-computer interaction interface of a user; the certificate reading module 202 is used for scanning and reading certificate information of a user; the face recognition module 203 is used for collecting face information of the user as a verification certificate with the same testimony; the data communication module 204 is used for establishing communication by accessing the card making device through a wireless network and transmitting data; the card making driving module 205 is used for decrypting the card making instruction according to the card making terminal private key and rechecking the transaction retrieval number; when the rechecking is successful, driving the 3D printing module to execute the decrypted card making instruction; and the 3D printing module 206 is configured to perform card entity printing and chip information writing operations.
Specifically, the information input module 201 includes a touch screen and a peep-proof numeric keypad, and is used for man-machine interaction, setting an initial card password, returning a system processing result, and the like.
The certificate reading module 202 includes a certificate information scanning unit 2021 and a radio frequency IC card reading unit 2022, as shown in fig. 9. The certificate information scanning unit 2021 is used for scanning certificate service image pictures of card users; the radio frequency IC card reading unit is used for reading the certificate information of a user.
As shown in fig. 10, the face recognition module 203 includes a face detection unit 2031 for judging and separating a user face image in a dynamic scene; and a face tracking unit 2032 for performing dynamic tracking capture on the face of the detected object.
As shown in fig. 11, the card making driver module 205 includes an instruction decryption unit 2051, and the main control module 207 invokes the instruction decryption unit 2051 to decrypt the encrypted card making instruction returned by the card making server 300; and an instruction execution unit 2052 for translating the instruction and driving the 3D printing module 206 to execute the card making instruction.
The 3D printing module 206 can realize final entity printing and chip information writing of the card, and finally generate a finished card product and output the finished card product to a user. As shown in fig. 12, the 3D printing module 206 includes a material storage unit 2061 for storing PVC raw material and blank chips; a card printing unit 2062 for card entity printing; a chip read-write unit 2063 for writing the chip information into the chip; and a card output unit 2064 for ejecting the printed product card to the user.
To sum up, the alliance-chain-based card making system of the embodiment of the invention firstly sends a card making instruction acquisition request to a corresponding card making server in an alliance-chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request, and then sends the card making instruction to a corresponding card making terminal in the alliance-chain network according to the card making terminal information so that the card making terminal makes a card according to the card making instruction, and can integrate the card making terminals of each card issuer through a unified alliance-chain network, thereby realizing the inter-bank fast card issuing and reducing the capital loss risk and the card handling cost.
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.
Those of skill in the art will further appreciate that the various illustrative logical blocks, units, and steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.
The various illustrative logical blocks, or elements, or devices described in connection with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. For example, a storage medium may be coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may be located in a user terminal. In the alternative, the processor and the storage medium may reside in different components in a user terminal.
In one or more exemplary designs, the functions described above in connection with the embodiments of the invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media that facilitate transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media can include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store program code in the form of instructions or data structures and which can be read by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. Additionally, any connection is properly termed a computer-readable medium, and, thus, is included if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wirelessly, e.g., infrared, radio, and microwave. Such discs (disk) and disks (disc) include compact disks, laser disks, optical disks, DVDs, floppy disks and blu-ray disks where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included in the computer-readable medium.
Claims (15)
1. A card making method based on a alliance chain is applied to an alliance chain network and comprises the following steps:
receiving a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information;
sending the card making instruction acquisition request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server generates a card making instruction according to the card making instruction acquisition request;
and receiving a card making instruction and card making terminal information from the card making server, and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal makes a card according to the card making instruction.
2. A alliance-chain-based card making method according to claim 1, wherein the card making instruction acquisition request further comprises a device authorization code and card making terminal information;
the card making server generates a card making instruction according to the card making instruction obtaining request, and the card making server comprises the following steps:
and the card making server verifies the equipment authorization code, and when the verification is successful, the card making server generates a card making instruction according to the card making instruction acquisition request and encrypts the card making instruction according to a card making terminal public key corresponding to the card making terminal information.
3. A federation chain-based card-making method as recited in claim 2, wherein the card-making instruction includes a transaction retrieval number;
the card making terminal making the card according to the card making instruction comprises the following steps:
the card making terminal decrypts the card making instruction according to a card making terminal private key and rechecks the transaction retrieval number; and when the rechecking is successful, card making is carried out according to the decrypted card making instruction.
4. A federation chain-based card-making method as recited in claim 3, further comprising:
receiving a card making result from the card making terminal;
performing consensus on the card making result;
and when the consensus passes, packaging the card making result generation block and completing alliance chain accounting.
5. A federation chain-based card-making method as recited in claim 1, further comprising:
receiving card handling authentication information from a card making terminal;
generating a user authentication result according to the card registration authentication information;
and returning the user authentication result to the card making terminal so that the card making terminal sends a transaction authorization request message according to the user authentication result.
6. A federation chain-based card-making method as recited in claim 5, further comprising:
Receiving a transaction authorization request message from the card making terminal and signed by a private key of the card making terminal;
verifying the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key;
when the signature passes the verification, performing authorization verification according to the transaction authorization request message;
and when the authorization verification passes, returning an authorization verification success result to the card making terminal so that the card making terminal sends the card making instruction acquisition request according to the authorization verification success result.
7. A card making device based on a alliance chain is characterized in that the card making device is applied to an alliance chain network and comprises the following components:
a receiving unit, configured to receive a card making instruction acquisition request from a card making terminal of the alliance link network; the card making instruction acquisition request comprises card issuer information; receiving a card making instruction and card making terminal information from a card making server;
the sending unit is used for sending the card making instruction obtaining request to a corresponding card making server in the alliance chain network according to the card issuer information so that the card making server can generate a card making instruction according to the card making instruction obtaining request; and sending the card making instruction to a corresponding card making terminal according to the card making terminal information so that the card making terminal makes a card according to the card making instruction.
8. A alliance-chain-based card making device according to claim 7, wherein the card making instruction acquisition request further comprises a device authorization code and card making terminal information;
the card making server generates a card making instruction according to the card making instruction obtaining request, and the card making server comprises the following steps:
and the card making server verifies the equipment authorization code, and when the verification is successful, the card making server generates a card making instruction according to the card making instruction acquisition request and encrypts the card making instruction according to a card making terminal public key corresponding to the card making terminal information.
9. A federation chain-based card-making apparatus as recited in claim 8, wherein the card-making instructions include a transaction retrieval number;
the card making terminal making the card according to the card making instruction comprises the following steps:
the card making terminal decrypts the card making instruction according to a card making terminal private key and rechecks the transaction retrieval number; and when the rechecking is successful, card making is carried out according to the decrypted card making instruction.
10. A federation chain-based card-making device as recited in claim 9, wherein the receiving unit is further configured to:
receiving a card making result from the card making terminal;
The card making device based on the alliance chain further comprises:
the consensus unit is used for performing consensus on the card making result;
and the packing unit is used for packing the card making result generation block and finishing alliance chain accounting when the consensus passes.
11. A federation chain-based card-making device as recited in claim 7, wherein the receiving unit is further configured to:
receiving card handling authentication information from a card making terminal;
the card making device based on the alliance chain further comprises:
the authentication unit is used for generating a user authentication result according to the card handling authentication information;
and the return unit is used for returning the user authentication result to the card making terminal so that the card making terminal sends a transaction authorization request message according to the user authentication result.
12. A federation chain-based card-making device as recited in claim 11, wherein the receiving unit is further configured to: receiving a transaction authorization request message from the card making terminal and signed by a private key of the card making terminal;
the card making device based on the alliance chain further comprises:
the verification unit is used for verifying the transaction authorization request message signed by the card making terminal private key according to the card making terminal public key;
The authorization verification unit is used for performing authorization verification according to the transaction authorization request message when the signature verification passes;
the return unit is further configured to:
and when the authorization verification passes, returning an authorization verification success result to the card making terminal so that the card making terminal sends the card making instruction acquisition request according to the authorization verification success result.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the steps of the federation chain-based card-making method of any one of claims 1 to 6 are implemented by the processor when executing the computer program.
14. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the federation chain-based card-making method of any one of claims 1 to 6.
15. A federation chain-based card-making system, comprising:
the card making terminal, the card making device based on the alliance chain and the card making server; the card making terminal, the card making device based on the alliance chain and the card making server form an alliance chain network;
The card making terminal sends a card making instruction acquisition request carrying card issuing bank information to the card making device;
the card making device receives the card making instruction obtaining request and sends the card making instruction obtaining request to a corresponding card making server according to the card issuing bank information;
the card making server generates a card making instruction according to the card making instruction acquisition request, and sends the card making instruction and card making terminal information to the card making device;
the card making device receives a card making instruction and the card making terminal information, and sends the card making instruction to a corresponding card making terminal according to the card making terminal information;
and the card making terminal makes a card according to the card making instruction.
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| CN202010710003.XA CN111862486A (en) | 2020-07-22 | 2020-07-22 | Card making method, device and system based on alliance chain |
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| CN202010710003.XA CN111862486A (en) | 2020-07-22 | 2020-07-22 | Card making method, device and system based on alliance chain |
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Application publication date: 20201030 |