CN111932258A - Block chain based encrypted payment tamper-proof technical method for enterprise bank transfer - Google Patents
Block chain based encrypted payment tamper-proof technical method for enterprise bank transfer Download PDFInfo
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Abstract
The invention discloses a block chain encryption-based payment tamper-resistant technical method for bank transfer of an enterprise, which comprises the following steps of: generating a unique account ID for each payment channel, following the W3C DID specification; collecting payment information including payment service order number, payer account, payment commodity, payment amount, payment initiating time and payment terminal information; a payment information set a is obtained. S3, the payment channel signs the information A collected in the step S2 in real time and then stores the information A in a chain through an intelligent contract; after receiving the payment information, the bank channel inquires and verifies the payment data through an intelligent contract according to the service order; the data on the bank channel inquiry chain is inconsistent with the payment request data, the payment fails, the payment data on the chain is consistent with the payment request data, an account marking action is initiated for the payer, and the payment safety is improved and the payment verification efficiency is also greatly improved through a block chain encryption technology.
Description
Technical Field
The invention relates to a payment tamper-proof technical method for transfer among enterprise banks based on a block chain encryption technology.
Background
At present, third-party payment channels have various payment links, data encryption and a third-party platform are difficult points, even if test modes such as sandboxes are used, data of various intermediate links are still uncontrollable, although the financial level of a bank is quite high at present, one piece of data has different storage and business forms in different organizations, and therefore the cost of credible verification of the data is quite high.
Disclosure of Invention
The invention aims to provide a measuring scale for engineering measurement, which solves the problems in the prior art.
In order to achieve the purpose, the invention provides the following technical scheme: an enterprise bank transfer based block chain encryption payment tamper-proof technical method is characterized by comprising the following steps:
s1: generating a unique account ID for each payment channel, following the W3C DID specification;
s2: collecting payment information to obtain a payment information set A, wherein the collected information comprises a payment service order number, a payer account, a payment commodity, a payment service code, a payment amount, payment initiating time and payment terminal information;
s3, the payment channel signs the information A collected in the step S2 in real time and then stores the information A in a chain through an intelligent contract;
s4, the bank channel receives the payment information and then inquires and checks the payment data through the intelligent contract according to the service order;
s5: and if the data on the bank channel inquiry chain is inconsistent with the payment request data, the payment fails, and if the payment data on the chain is consistent with the payment request data, an account marking action is initiated for the payer.
Further, the S1 step complies with the W3C DID specification, and W3C DID is a distributed identifier.
Further, the account ID in step S1 mainly consists of: the method comprises the steps of generating a random number with 256 binary bits by using an elliptic curve signature algorithm, wherein the random number is 2^ 256-10 ^77, the current visible universe only contains 10^80 atoms, and the elliptic curve signature algorithm is ECDSA.
Further, in the step S2, the payment of the commodity type is limited: borrowing, repayment, water charge, electricity charge, gas charge, social security deduction charge and wage payment.
Further, it is characterized in that: the signing step in the step S3 is as follows:
1) RLP encoding the information set a collected in the step S2;
2) computing a Keccak256 hash value for the serialized message;
3) the private key signs the hash.
Further, in the step S3, we use the intelligent contract to perform payment information chain storage, and the intelligent contract code segments are:
and (3) contract analysis specification:
1) function(s)function transDescription of the drawings:
collected information according to step S2: the payment service order number, the payer account, the payment commodity, the payment service code, the payment amount, the payment initiation time and the payment terminal information are stored on the chain through an intelligent contract function trans
2) The authority function modifier payOwner states:
and judging whether the transaction sender has the authority to upload the data, and if not, not performing on-chain storage.
Further, the block chain platform in step S4 provides a payment information verification function for bank account checking, and queries the intelligent contract function segment:
1) function query payy states:
QueryPay provides inquiry for all payment related parties, the validity of the order payment information is checked according to the order number, the payment information can be uploaded only by a user with authority limited by a block chain platform intelligent contract, the uplink data cannot be changed, the validity of the inquiry data is guaranteed, and a bank can perform fund transfer operation according to the payment information after the check is successful.
The invention has the beneficial effects that: the invention relates to a block chain encryption-based payment tamper-resistant technical method for bank transfer of enterprises, which comprises the steps of building an alliance chain among payment related parties, using a payment initiator as a credit endorsement, carrying out chain storage on all payment request information data through an intelligent contract, fairly disclosing the information data to related members by using the non-tamper characteristic of the block chain technology, using a bank party as an alliance member, sharing data through the alliance chain, writing the data through once encryption, and authorizing and sharing multiple parties, so that the data verification efficiency is improved, and multi-position multi-state redundancy storage of the data is reduced.
Drawings
FIG. 1 is a diagram of the method steps of a block chain based encrypted payment tamper-resistant technique for enterprise bank transfer in accordance with the present invention;
FIG. 2 is a flow chart of a method of the anti-tampering technical method of the bank transfer based on block chain encryption payment of the enterprise.
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 embodiments, and all other embodiments obtained by a person of ordinary skill in the art without creative efforts based on the embodiments of the present invention belong to the protection scope of the present invention.
To facilitate an understanding of the invention, the invention will now be described more fully with reference to the accompanying drawings. Several embodiments of the invention are presented in the drawings. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete.
It will be understood that when an element is referred to as being "secured to" another element, it can be directly on the other element or intervening elements may also be present. When an element is referred to as being "connected" to another element, it can be directly connected to the other element or intervening elements may also be present. The terms "vertical," "horizontal," "left," "right," and the like as used herein are for illustrative purposes only.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.
Referring to fig. 1-2, the present invention provides a technical solution:
an enterprise bank transfer based block chain encryption payment tamper-proof technical method is characterized by comprising the following steps:
s1: generating a unique account ID for each payment channel, following the W3C DID specification;
s2: collecting payment information to obtain a payment information set A, wherein the collected information comprises a payment service order number, a payer account, a payment commodity, a payment service code, a payment amount, payment initiating time and payment terminal information;
s3, the payment channel signs the information A collected in the step S2 in real time and then stores the information A in a chain through an intelligent contract;
s4, the bank channel receives the payment information and then inquires and checks the payment data through the intelligent contract according to the service order;
s5: and if the data on the bank channel inquiry chain is inconsistent with the payment request data, the payment fails, and if the payment data on the chain is consistent with the payment request data, an account marking action is initiated for the payer.
In order to further improve the use function of the block chain encryption-based payment tamper-resistant technical method for bank transfer, the step of S1 conforms to the specification of W3C DID, and W3C DID is a distributed identifier.
In order to further improve the use function of the anti-tampering technical method for the block chain encryption-based payment of the enterprise bank transfer, the account ID in the step S1 mainly consists of: the method comprises the steps of generating a random number with 256 binary bits by using an elliptic curve signature algorithm, wherein the random number is 2^ 256-10 ^77, the current visible universe only contains 10^80 atoms, and the elliptic curve signature algorithm is ECDSA.
In order to further improve the use function of the anti-tampering technical method for the block chain encryption-based payment of the enterprise bank transfer, the payment commodity type in the step of S2 is limited: borrowing, repayment, water charge, electricity charge, gas charge, social security deduction charge and wage payment.
In order to further improve the use function of the block chain encryption-based payment tamper-resistant technical method for bank transfer, the method is characterized in that: the signing step in the step S3 is as follows:
1) RLP encoding the information set a collected in the step S2;
2) computing a Keccak256 hash value for the serialized message;
3) the private key signs the hash.
In order to further improve the use function of the block chain encryption-based payment tamper-resistant technical method for the enterprise bank transfer, in the step S3, the intelligent contract is used for payment information chain storage, and the intelligent contract code segments are:
and (3) contract analysis specification:
1) function(s)function transDescription of the drawings:
collected information according to step S2: the payment service order number, the payer account, the payment commodity, the payment service code, the payment amount, the payment initiation time and the payment terminal information are stored on the chain through an intelligent contract function trans
2) The authority function modifier payOwner states:
and judging whether the transaction sender has the authority to upload the data, and if not, not performing on-chain storage.
In order to further improve the use function of the block chain encryption-based payment tamper-resistant technical method for enterprise bank transfer, in the step S4, the block chain platform provides a payment information verification function for bank account verification, and queries the intelligent contract function segment:
1) function query payy states:
QueryPay provides inquiry for all payment related parties, the validity of the order payment information is checked according to the order number, the payment information can be uploaded only by a user with authority limited by a block chain platform intelligent contract, the uplink data cannot be changed, the validity of the inquiry data is guaranteed, and a bank can perform fund transfer operation according to the payment information after the check is successful.
The invention relates to a block chain encryption-based payment tamper-resistant technical method for bank transfer of enterprises, which comprises the steps of building an alliance chain among payment related parties, using a payment initiator as a credit endorsement, carrying out chain storage on all payment request information data through an intelligent contract, fairly disclosing the information data to related members by using the non-tamper characteristic of the block chain technology, using a bank party as an alliance member, sharing data through the alliance chain, writing the data through once encryption, and authorizing and sharing multiple parties, so that the data verification efficiency is improved, and multi-position multi-state redundancy storage of the data is reduced.
The foregoing illustrates and describes the principles, general features, and advantages of the present invention. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are described in the specification and illustrated only to illustrate the principle of the present invention, but that various changes and modifications may be made therein without departing from the spirit and scope of the present invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (7)
1. An enterprise bank transfer based block chain encryption payment tamper-proof technical method is characterized by comprising the following steps:
s1: generating a unique account ID for each payment channel, following the W3C DID specification;
s2: collecting payment information to obtain a payment information set A, wherein the collected information comprises a payment service order number, a payer account, a payment commodity, a payment service code, a payment amount, payment initiating time and payment terminal information;
s3, the payment channel signs the information A collected in the step S2 in real time and then stores the information A in a chain through an intelligent contract;
s4, the bank channel receives the payment information and then inquires and checks the payment data through the intelligent contract according to the service order;
s5: and if the data on the bank channel inquiry chain is inconsistent with the payment request data, the payment fails, and if the payment data on the chain is consistent with the payment request data, an account marking action is initiated for the payer.
2. The technical method of claim 1, wherein the technical method comprises the following steps: the step S1 follows the W3C DID specification, and W3C DID is a decentralized identifier.
3. The technical method of claim 1, wherein the technical method comprises the following steps: the account ID in step S1 mainly consists of: the method comprises the steps of generating a random number with 256 binary bits by using an elliptic curve signature algorithm, wherein the random number is 2^ 256-10 ^77, the current visible universe only contains 10^80 atoms, and the elliptic curve signature algorithm is ECDSA.
4. The technical method of claim 1, wherein the technical method comprises the following steps: the payment of the commodity type limitation range in the step S2: borrowing, repayment, water charge, electricity charge, gas charge, social security deduction charge and wage payment.
5. The technical method of claim 1, wherein the technical method comprises the following steps: the signing step in the step S3 is as follows:
1) RLP encoding the information set a collected in the step S2;
2) computing a Keccak256 hash value for the serialized message;
3) the private key signs the hash.
6. The technical method of claim 1, wherein the technical method comprises the following steps: in the step S3, we use the intelligent contract to store the payment information chain, and the intelligent contract code segments are:
and (3) contract analysis specification:
1) function(s)functiontransDescription of the drawings:
collected information according to step S2: the payment service order number, the payer account, the payment commodity, the payment service code, the payment amount, the payment initiation time and the payment terminal information are stored on the chain through an intelligent contract function trans
2) The authority function modifier payOwner states:
and judging whether the transaction sender has the authority to upload the data, and if not, not performing on-chain storage.
7. The technical method of claim 1, wherein the technical method comprises the following steps: the block chain platform in the step S4 provides a payment information verification function for bank account checking, and queries the intelligent contract function segment:
1) function query payy states:
the method comprises the steps that 1, QueryPay can be provided for all payment related parties to be inquired, the validity of order payment information is verified according to an order number, the payment information can be uploaded only when an authorized user is limited by a block chain platform intelligent contract, uplink data cannot be changed, the legality of the inquired data is guaranteed, and a bank can conduct fund transfer operation according to the payment information after verification is successful.
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