CN111932255B - Method and device for realizing transaction reconciliation based on encrypted currency - Google Patents
Method and device for realizing transaction reconciliation based on encrypted currency Download PDFInfo
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- 238000004590 computer program Methods 0.000 claims description 4
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- 238000010586 diagram Methods 0.000 description 11
- 238000004458 analytical method Methods 0.000 description 9
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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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/901—Indexing; Data structures therefor; Storage structures
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
Abstract
The embodiment of the application provides a method and a device for realizing transaction reconciliation based on encrypted currency, wherein the method comprises the following steps: receiving a first reconciliation request from a first transaction participant carrying reconciliation data comprising cryptocurrency holding a transaction fingerprint; and checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint. The method for realizing transaction reconciliation based on the cryptocurrency comprises the steps of receiving a first reconciliation request carrying reconciliation data from a first transaction participant, wherein the reconciliation data comprises the cryptocurrency with transaction fingerprints stored; and checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint, thereby solving the problem of high system complexity of the reconciliation module in the process of clearing the multi-stage transaction system.
Description
Technical Field
The application relates to the field of internet clearing, in particular to a method and a device for realizing transaction reconciliation based on encrypted currency.
Background
The prior art scheme generally generates transaction information for checking account by a clearing/settlement service provider, and the other party checks whether the transaction unique key value agreed by the two parties is consistent with the transaction information of the system after receiving the transaction information. For example, the cross-bank transfer transaction, the banked settlement system sends a reconciliation message to each participating institution every day, provides the transaction details of the institution, and the participating institution checks and confirms whether the transaction is normal or not in the current day through the message identification number and the transaction data of the self system.
With the popularity of the internet, internet payment products have increased rapidly, and more payment systems need to be cleared mutually, and a complete realization of a transaction can be completed through the processing of several clearing systems or subsystems. For example, using the transportation software to pay the transportation fee may involve a linked clearing of multiple systems such as a public transportation company system, a public transportation software system, a third party paymate clearing system, a banking system to which a payment card belongs, an internet banking system, a collection banking system, and the like. Each system has a reconciliation operation with the systems which are in up-down butt joint, and reconciliation rules provided by each system may be different, so that in the process of implementing the present application, the inventor finds that at least the following problems exist in the prior art:
in order to meet the diversified demands, each system must be matched with the reconciliation rules supporting different docking systems, so that the development cost is increased, and the system complexity of the reconciliation module is high.
Disclosure of Invention
The embodiment of the application provides a method and a device for realizing transaction reconciliation based on encryption currency, which are used for solving the problem of high system complexity of a reconciliation module in a multi-stage transaction system clearing process.
In a first aspect, an embodiment of the present application provides a method for implementing transaction reconciliation based on cryptocurrency, including:
receiving a first reconciliation request from a first transaction participant carrying reconciliation data comprising cryptocurrency holding a transaction fingerprint;
and checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint.
In a second aspect, an embodiment of the present application provides an apparatus for implementing transaction reconciliation based on cryptocurrency, including:
a reconciliation request receiving module for receiving a first reconciliation request carrying reconciliation data from a first transaction participant, the reconciliation data comprising cryptocurrency holding a transaction fingerprint;
and the account checking processing module is used for checking whether the transaction processing result of the account checking module is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint.
In a third aspect, embodiments of the present application provide a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method of effecting transaction reconciliation based on cryptocurrency as described above.
In a fourth aspect, embodiments of the present application provide a computer apparatus comprising:
one or more processors;
a storage means for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of implementing transaction reconciliation based on cryptocurrency as described above.
The technical scheme has the following beneficial effects:
the method for realizing transaction reconciliation based on the cryptocurrency comprises the steps of receiving a first reconciliation request carrying reconciliation data from a first transaction participant, wherein the reconciliation data comprises the cryptocurrency with transaction fingerprints stored; and checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint, thereby solving the problem of high system complexity of the reconciliation module in the process of clearing the multi-stage transaction system.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method of implementing transaction reconciliation based on cryptocurrency in accordance with an embodiment of the application
FIG. 2 is a block diagram of an exemplary cryptocurrency encoding scheme in accordance with an embodiment of the present application;
FIG. 3 is a diagram of a transaction participation system relationship, as an example, in accordance with an embodiment of the present application;
FIGS. 4A-4C are diagrams of payment process and cryptocurrency encoding as an example in accordance with an embodiment of the present application;
FIG. 5 is a reconciliation flow diagram as an example of an embodiment of the application;
FIG. 6 is a functional block diagram of an apparatus for implementing transaction reconciliation based on cryptocurrency in accordance with an embodiment of the application;
FIG. 7 is a functional block diagram of a computer device in which the present application is implemented.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Embodiments of the present application are first defined with abbreviations and technical terms used hereinafter.
Cryptocurrency: broadly, the digital encryption algorithm-based virtual currency with programmable capability and traceable security and controllability is satisfied.
Checking: clearing transaction reconciliation is an act of clearing both parties to a transaction in order to verify that the transaction processes are consistent.
Transaction fingerprint: in a transaction, a key value is used to uniquely identify the transaction.
Embodiments of the present application address one or more of the technical problems of high system complexity, poor compatibility, and low efficiency of error analysis of a reconciliation module in a multi-stage transaction system clearing process. The embodiment of the application provides a method and a system for realizing transaction reconciliation based on an encrypted currency technology, which support transaction participants to edit transaction information of encrypted currency, unify reconciliation key values and rules in a transaction flow and support cross-level reconciliation, thereby reducing complexity and difference of reconciliation modules of various systems and further improving the efficiency of reconciliation error analysis processing.
FIG. 1 is a flow chart of a method of implementing transaction reconciliation based on cryptocurrency in accordance with an embodiment of the application. As shown in fig. 1, it includes the steps of:
s110: receiving a first reconciliation request from a first transaction participant carrying reconciliation data comprising cryptocurrency holding a transaction fingerprint;
s120: and checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint.
In the prior art, each system has a reconciliation operation with a system which is in up-down butt joint, reconciliation rules provided by each system may be different, a public transportation company system and public transportation software use order numbers as key values for reconciliation, a payment instruction serial number is used for reconciliation between the public transportation software and a third party payment platform, a third party payment platform and payment Fang Yin use payment orders for reconciliation, and a third party payment platform and an internet bank interconnection system and an internet bank use message identification numbers for reconciliation. In order to meet the diversified demands, each system must be matched with the reconciliation rules supporting different docking systems, so that the development cost is increased, and the system complexity of the reconciliation module is high. Compared with the prior art, the method for realizing transaction reconciliation based on the encryption currency technology provided by the embodiment of the application checks whether the transaction processing result of the method is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint, avoids that a plurality of systems respectively adopt different reconciliation rules to reconcile accounts, unifies the reconciliation rules, thereby reducing the system complexity of the reconciliation module and simultaneously reducing the development cost of the reconciliation module.
The inventor also found that if one of the transaction participants found that the verification results were inconsistent, analysis of the cause of the error may require that most of the systems on the transaction link be verified against their opponent systems, and that verification between the non-docked systems is not supported, with high cost and low efficiency of operation and maintenance. To solve the technical problem, the method shown in fig. 1 may further include the following steps: if the transaction processing result of the self-body is inconsistent with the transaction processing result of the first transaction participant, an error list is generated; sending a second reconciliation request carrying the error list to a second transaction participant; receiving a checking processing result corresponding to the second reconciliation request returned by the second transaction participant; when the checking processing results are consistent, verifying and approving the error list and/or analyzing error reasons; and when the check processing results are inconsistent, feeding back the check processing results to the first transaction participant. In one embodiment, the error cause is analyzed according to the difference of the processing results of the present party and other reconciliation participants, and the information such as a background processing log of the system.
In some embodiments, the checking in step S120 whether the transaction processing result of the step S120 is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint may include the following steps: obtaining the encryption currency used by the transaction from the stored order information; acquiring a transaction fingerprint from the encrypted currency; and checking whether the transaction processing result of the transaction processing device is consistent with the transaction processing result of the first transaction participant according to the acquired transaction fingerprint and the transaction fingerprint contained in the first reconciliation request.
The inventor of the present application also found that if there are actions such as commission and wetting between transactions involving each system, the single check key value of the existing system may not be satisfied, and expansibility and compatibility are relatively poor. To solve this technical problem, in some embodiments, the transaction fingerprint is obtained from the cryptocurrency, and specifically includes the following steps: acquiring transaction fingerprints from a designated transaction fingerprint storage area of the cryptocurrency, wherein the designated transaction fingerprint storage area is used for storing one or more transaction fingerprints with the length of k, and the initial transaction fingerprint is generated by a first payer in the transaction and is used for uniquely identifying a key value of a transaction corresponding to the initial transaction fingerprint; when a plurality of transaction fingerprints are stored in the specified stored transaction fingerprint area, a first transaction fingerprint is the most initial transaction fingerprint, and other transaction fingerprints after the first transaction fingerprint are new transaction fingerprints generated based on the split of the amount. If a plurality of transaction fingerprints exist, the reconciliation party judges the fingerprint length of the check according to the fingerprint number of the encrypted currency in the transaction detail of the reconciliation party. That is, when the number of transaction fingerprints of the reconciled party is n, the present party (reconciled party) also checks n transaction fingerprints.
The following describes the technical scheme of the embodiment of the present application in more detail:
the embodiment of the application provides a method for realizing transaction reconciliation based on a cryptocurrency technology, which is completed by a transaction participation system according to a unified transaction specification.
Transaction specification:
the transaction participation system uses the same cryptocurrency supporting programmable traceability to conduct transactions. The encrypted currency comprises specific area writable transaction key information, the data structure is shown in fig. 2, and fig. 2 is a coded structure diagram of the encrypted currency according to the embodiment of the application. In fig. 2, k is the transaction fingerprint length, the nth through nth+kn bits are the designated saved transaction fingerprint region, and k is an integer, such as 128, 256, etc. The transaction key information is located in a plurality of transaction fingerprint areas in fig. 2, and as an example, the transaction key information is information that can uniquely identify a transaction, such as (date+time+organization identifier+unique serial number generated by the organization).
The first payer in the transaction generates a transaction fingerprint and writes the transaction fingerprint into an area in the cryptocurrency for saving transaction key information.
The transaction recipient does not modify the transaction fingerprint if no amount splitting is involved in transferring the encrypted currency to the transaction object in the hand.
When the transaction receiver transmits the encrypted money to the hand transaction object, if the money splitting is involved, a new transaction fingerprint is generated, and the new transaction fingerprint is additionally written into the original transaction fingerprint.
Transaction realization:
taking subway payment by using public transportation software as an example, assuming that the relationship of the transaction participation system is shown in fig. 3 (for illustrating the complexity of the model, there may be differences in products on the market in practice), fig. 3 is a relationship diagram of the transaction participation system according to an embodiment of the present application, the transaction participation system includes: the system comprises bus travel software A, a third party payment platform B, a payment bank C, a financial clearing system D, a collection bank E and a subway settlement system F.
Fig. 4A-4C are diagrams of payment process and cryptocurrency encoding according to an embodiment of the present application. Assume that the cryptocurrency transaction fingerprint is 128 bits in length per segment. The payment process is shown in fig. 4A-4C, and includes the following steps:
step S101: and the user binds the account of the payment bank C on the third party payment platform B, submits a traffic fee payment request through the bus trip software A, and uses the third party payment platform B to pay for 10 yuan.
Step S102: and the bus trip software A initiates deduction through the third party payment platform B, and the amount is 10 yuan.
Step S103: referring to fig. 4A, the third party paymate B deducts funds from the payment bank C account for an amount of 10. The payment bank C returns the 10-element encryption currency to the third party payment platform B, and the transaction fingerprint is transaction date, transaction time stamp, bank end payment serial number and 128 bits in length.
Step S104: referring to fig. 4B, the third party payment platform B splits the payment platform B into 9-membered traffic fee and 1-membered commission fee according to the protocol, and respectively remits the 9-membered traffic fee and the 1-membered commission fee into a subway company account F and a bus travel software a company account of the collection bank E through the financial clearing system D. The third party paymate B splits the 10-denomination cryptocurrency into 9-denomination and 1-denomination cryptocurrencies. And adding the transaction serial number of the bus fee to the original transaction fingerprint information in the 9-element denomination encrypted currency to generate the transaction fingerprint information with the length of 128 bits. And generating transaction fingerprint information with the length of 128 bits by the transaction serial number of the handle renewal fee, and adding the transaction fingerprint information to original transaction fingerprint information in the 1-element denomination encrypted currency. And the two encrypted currencies are sent to the financial clearing system D through a transaction message request, and the financial clearing system D sends the two encrypted currencies to the receiving bank E through the transaction message after successful processing.
Step S105: referring to fig. 4C, the third party payment platform B notifies the bus trip software a that the transaction is successful, and returns 9-ary public fees and 1-ary encrypted money to the bus trip software a. And the bus trip software A informs the subway settlement system F of successful transaction and returns 9-yuan denomination bus fee encryption currency to the subway settlement system F.
Checking account flow:
fig. 5 is a reconciliation flow diagram as an example of an embodiment of the application. Taking the subway settlement system F and the bus travel software A as an example, the settlement process is shown in fig. 4, and comprises the following steps:
step S201' -step S201: both systems participating in the reconciliation perform the parsing of the transaction fingerprint. Specifically, after the transaction is successful, the encrypted currency used by the transaction is obtained from the stored order information in each system, the information of the N-th to N+kn bits in the plaintext information of the encrypted currency is obtained after the currency string is decrypted (as shown in fig. 2), and the obtained transaction fingerprint is stored in the transaction detail. Transaction details refer to the transaction records of the current system. The encryption currency analysis relates to encryption and decryption processing, has certain system resource consumption, analyzes transaction fingerprint plaintext firstly and stores the transaction fingerprint plaintext in a transaction record of the system, and is beneficial to improving the system processing efficiency. In one example, the transaction processing details may include: transaction date, time, session, amount, cryptocurrency, transaction processing results, and the like.
Step S202' -step S202: after a transaction period is finished, the bus trip software A exports transaction processing detail information to generate reconciliation data and sends the reconciliation data to the subway settlement system F, and the subway settlement system F receives the reconciliation data. The reconciliation data includes information such as date of transaction, batch of transaction, amount of transaction, cryptocurrency, results of transaction processing, etc.
Step S203: the subway settlement system F analyzes transaction fingerprint information from the encryption currency in the account checking data provided by the bus trip software A, the length of the transaction fingerprint information is 256 bits (128+128), the transaction fingerprint information is compared with the first 256 bits of the transaction fingerprint information stored in the transaction detail of the subway settlement system F, and the transaction fingerprint is identical to the transaction fingerprint information and is regarded as the same transaction. And checking whether the transaction processing results of the two parties are consistent or not.
Step S204: and if the checking results of the subway settlement system F are consistent, finishing the checking. If the transaction results are inconsistent, an error list is listed or generated. As one example, the error list content may include transaction date, transaction batch, transaction amount, cryptocurrency, reconciliation party processing results, error type. The error type is divided into (1) the processing of the mechanism is successful, the processing of the opposite side mechanism is failed or no transaction is carried out, (2) the processing of the mechanism is failed or no transaction is carried out, the processing of the opposite side mechanism is successful, and (3) the amounts are inconsistent.
Step S205: if the subway settlement system F initiates reconciliation with the collection banking system E according to the error list, the collection result is checked.
Step S206: if the processing result of the bus trip software a is consistent with the collection result of the collection bank E, the subway settlement system F automatically checks the corresponding transaction record in the error list and transmits the transaction record to a background technician to analyze the error cause (for example, analyze the error cause by means of a system log and the like). If the result is inconsistent, the subway settlement system F supplements the processing result of the receiving bank E to the error list and feeds back the error list to the bus trip software A to analyze the reason.
The embodiment of the application provides a method for realizing transaction reconciliation based on an encryption currency technology, which has the advantages that:
and the checking rules of account checking are unified, the complexity of the system is reduced, and the development cost is reduced.
Transaction fingerprint splitting caused by transaction amount splitting in the transaction process is supported, and compatibility is achieved for products with different fund distribution modes.
The system can provide a general checking interface for checking the account, so that the systems of different levels can be checked directly, and the system is not limited to opponents of direct transaction, and the error analysis efficiency is improved.
The transaction fingerprint is prevented from being tampered by using the encryption currency technology, so that the reconciliation security is improved.
FIG. 6 is a functional block diagram of an apparatus and method for implementing transaction reconciliation based on cryptocurrency in accordance with an embodiment of the application. As shown in fig. 6, based on an inventive concept similar to the method embodiment, the apparatus 300 includes:
a reconciliation request receiving module 310 for receiving a first reconciliation request carrying reconciliation data from a first transaction participant, the reconciliation data comprising cryptocurrency holding a transaction fingerprint;
and the reconciliation processing module 320 is configured to check whether the transaction processing result of the reconciliation processing module is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint.
Further, the apparatus may further include:
the error list generation module is used for generating an error list if the transaction processing result of the error list generation module is inconsistent with the transaction processing result of the first transaction participant;
the reconciliation request sending module is used for sending a second reconciliation request carrying an error list to a second transaction participant;
the check processing result receiving module is used for receiving a check processing result corresponding to the second reconciliation request returned by the second transaction participant;
the verification module is used for verifying and verifying the error list and/or analyzing error reasons when the verification processing results are consistent;
and the check processing result feedback module is used for feeding back the check processing result to the first transaction participant when the check processing result is inconsistent.
In some embodiments, reconciliation processing module 320 may be specifically configured to: obtaining the encryption currency used by the transaction from the stored order information; acquiring a transaction fingerprint from the encrypted currency; and checking whether the transaction processing result of the transaction processing device is consistent with the transaction processing result of the first transaction participant according to the acquired transaction fingerprint and the transaction fingerprint contained in the first reconciliation request.
In some embodiments, reconciliation processing module 320 may be specifically configured to: acquiring transaction fingerprints from a designated transaction fingerprint storage area of the cryptocurrency, wherein the designated transaction fingerprint storage area is used for storing one or more transaction fingerprints with the length of k, and the initial transaction fingerprint is generated by a first payer in the transaction and is used for uniquely identifying a key value of a transaction corresponding to the initial transaction fingerprint; when a plurality of transaction fingerprints are stored in the specified stored transaction fingerprint area, a first transaction fingerprint is the most initial transaction fingerprint, and other transaction fingerprints after the first transaction fingerprint are new transaction fingerprints generated based on the split of the amount.
The technical scheme of the embodiment of the application has the beneficial technical effects that:
and the checking rules of account checking are unified, the complexity of the system is reduced, and the development cost is reduced.
Transaction fingerprint splitting caused by transaction amount splitting in the transaction process is supported, and compatibility is achieved for products with different fund distribution modes.
The system can provide a general checking interface for checking the account, so that the systems of different levels can be checked directly, and the system is not limited to opponents of direct transaction, and the error analysis efficiency is improved.
The transaction fingerprint is prevented from being tampered by using the encryption currency technology, so that the reconciliation security is improved.
In addition, an embodiment of the present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements any one of the methods of implementing transaction reconciliation based on cryptocurrency as described above. The method solves one or more of the technical problems of high system complexity, poor compatibility and low error analysis efficiency of the accounting module in the process of clearing the multi-stage transaction system.
The embodiment of the application also provides a computer device, as shown in fig. 7, which comprises one or more processors 401, a communication interface 402, a memory 403 and a communication bus 404, wherein the processors 401, the communication interface 402 and the memory 403 complete communication with each other through the communication bus 404.
A memory 403 for storing a computer program;
the processor 401 is configured to implement any of the steps of the method for implementing transaction reconciliation based on cryptocurrency described above when executing the program stored in the memory 403.
The embodiment of the application solves the problems of high system complexity, poor compatibility and low error analysis efficiency of the accounting module in the process of clearing a multi-stage transaction system. The embodiment of the application provides a method and a system for realizing transaction reconciliation based on an encrypted currency technology, which support transaction participants to edit transaction information of encrypted currency, unify reconciliation key values and rules in a transaction flow and support cross-level reconciliation. Complexity and difference of reconciliation modules of each system are reduced, and efficiency of reconciliation error analysis processing is improved.
The communication bus mentioned above for the computer device may be a peripheral component interconnect standard (Peripheral Component Interconnect, PCI) bus or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, etc. The communication bus may be classified as an address bus, a data bus, a control bus, or the like. For ease of illustration, the figures are shown with only one bold line, but not with only one bus or one type of bus. The communication interface is used for communication between the computer device and other devices.
The Memory may include random access Memory (Random Access Memory, RAM) or may include Non-Volatile Memory (NVM), such as at least one disk Memory. Optionally, the memory may also be at least one memory device located remotely from the aforementioned processor.
The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processing, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
In this specification, each embodiment is described in a related manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for apparatus, electronic devices, and readable storage medium embodiments, since they are substantially similar to method embodiments, the description is relatively simple, and references to parts of the description of method embodiments are only required.
The foregoing description is only of the preferred embodiments of the present application and is not intended to limit the scope of the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application are included in the protection scope of the present application.
Claims (4)
1. A method for implementing transaction reconciliation based on cryptocurrency, comprising:
receiving a first reconciliation request from a first transaction participant carrying reconciliation data comprising cryptocurrency holding a transaction fingerprint;
checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint;
the method further comprises the steps of:
if the transaction processing result of the self-body is inconsistent with the transaction processing result of the first transaction participant, an error list is generated;
sending a second reconciliation request carrying the error list to a second transaction participant;
receiving a check processing result corresponding to the second reconciliation request returned by the second transaction participant;
when the checking processing results are consistent, verifying and approving the error list and/or analyzing error reasons;
when the checking processing results are inconsistent, feeding back the checking processing results to the first transaction participant;
the step of checking whether the transaction processing result of the transaction fingerprint is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint comprises the following steps:
obtaining the encryption currency used by the transaction from the stored order information;
acquiring a transaction fingerprint from the cryptocurrency;
checking whether the transaction processing result of the transaction processing device is consistent with the transaction processing result of the first transaction participant according to the acquired transaction fingerprint and the transaction fingerprint contained in the first reconciliation request;
the obtaining transaction fingerprint from the encrypted currency specifically comprises the following steps:
acquiring a transaction fingerprint from a designated transaction fingerprint storage area of the encrypted currency, wherein the designated transaction fingerprint storage area is used for storing one or more transaction fingerprints with the length of k, and the initial transaction fingerprint is generated by a first payer in a transaction and is used for uniquely identifying a key value of a transaction corresponding to the initial transaction fingerprint; when a plurality of transaction fingerprints are stored in the designated stored transaction fingerprint area, a first transaction fingerprint is the initial transaction fingerprint, and other transaction fingerprints after the first transaction fingerprint are new transaction fingerprints generated based on the split of the amount.
2. An apparatus for effecting transaction reconciliation based on cryptocurrency, comprising:
a reconciliation request receiving module for receiving a first reconciliation request carrying reconciliation data from a first transaction participant, the reconciliation data comprising cryptocurrency holding a transaction fingerprint;
the account checking processing module is used for checking whether the transaction processing result of the account checking module is consistent with the transaction processing result of the first transaction participant according to the transaction fingerprint;
the apparatus further comprises:
the error list generation module is used for generating an error list if the transaction processing result of the error list generation module is inconsistent with the transaction processing result of the first transaction participant;
the reconciliation request sending module is used for sending a second reconciliation request carrying the error list to a second transaction participant;
the checking processing result receiving module is used for receiving a checking processing result corresponding to the second reconciliation request returned by the second transaction participant;
the verification module is used for verifying the error list and/or analyzing error reasons when the verification processing results are consistent;
the checking processing result feedback module is used for feeding back the checking processing result to the first transaction participant when the checking processing result is inconsistent;
the reconciliation processing module is specifically configured to: obtaining the encryption currency used by the transaction from the stored order information; acquiring a transaction fingerprint from the cryptocurrency; checking whether the transaction processing result of the transaction processing device is consistent with the transaction processing result of the first transaction participant according to the acquired transaction fingerprint and the transaction fingerprint contained in the first reconciliation request;
the reconciliation processing module is specifically configured to: acquiring a transaction fingerprint from a designated transaction fingerprint storage area of the encrypted currency, wherein the designated transaction fingerprint storage area is used for storing one or more transaction fingerprints with the length of k, and the initial transaction fingerprint is generated by a first payer in a transaction and is used for uniquely identifying a key value of a transaction corresponding to the initial transaction fingerprint; when a plurality of transaction fingerprints are stored in the designated stored transaction fingerprint area, a first transaction fingerprint is the initial transaction fingerprint, and other transaction fingerprints after the first transaction fingerprint are new transaction fingerprints generated based on the split of the amount.
3. A computer-readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements a method for realizing transaction reconciliation based on cryptocurrency as defined in claim 1.
4. A computer device, comprising:
one or more processors;
a storage means for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of cryptographically effecting transaction reconciliation based on cryptocurrency of claim 1.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010807802.9A CN111932255B (en) | 2020-08-12 | 2020-08-12 | Method and device for realizing transaction reconciliation based on encrypted currency |
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