CN111967967A - Block chain-based cross-bank payment service processing method and device - Google Patents
Block chain-based cross-bank payment service processing method and device Download PDFInfo
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Abstract
The invention discloses a block chain-based inter-bank payment service processing method and a block chain-based inter-bank payment service processing device, wherein the method comprises the following steps: receiving a cross-bank payment request initiated by a first bank system and used for requesting to execute a deduction operation on a card number to be paid of a second bank system; inquiring one or more real card numbers related to the virtual card number from the block chain network according to the virtual card number contained in the cross-row payment request; carrying out hash operation on each inquired real card number, and comparing the hash value of the card number to be paid with the hash value of each real card number; and executing deduction operation to the card number to be paid of the second bank system under the condition that the hash value of the card number to be paid is successfully compared with the hash value of any real card number. The invention verifies the identity of the card-holding user of the card number to be paid by utilizing the incidence relation between the virtual card number and each real card number stored on the block chain network, can simplify the cross-bank payment service process, avoids the card number information from being leaked, and improves the safety of cross-bank payment.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based inter-bank payment service processing method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the recent banking business development, each large bank has opened the payment function across banks, so that the user can realize the payment requirements among different banks without opening the card. However, cross-bank payment brings convenience to users and also brings a plurality of fussy business processes and safety problems.
Taking the bank-crossing telephone charge recharging on the mobile phone bank as an example, when a user carries out bank-crossing payment, firstly, user information is collected, then, the collected user information is sent to the Unionpay through a business link from each bank to the Unionpay for cardholder verification, after the verification is passed, the payment link of the other bank is called, the user information and the corresponding bank information are verified, and after the verification is passed, the corresponding bank sends the payment link to the Unionpay for deduction.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a block chain-based inter-bank payment service processing method, which is used for solving the technical problems of complicated flow and low safety of the conventional inter-bank payment service system and comprises the following steps: receiving a bank-crossing payment request initiated by a first bank system, wherein the bank-crossing payment request is used for requesting to execute a deduction operation on a card number to be paid of a second bank system, and the bank-crossing payment request comprises: the hash value of the card number to be paid and the virtual card number associated with the real card number of one or more bank systems; querying one or more real card numbers associated with the virtual card number from the blockchain network; carrying out hash operation on each inquired real card number, and comparing the hash value of the card number to be paid with the hash value of each real card number; and executing deduction operation to the card number to be paid of the second bank system under the condition that the hash value of the card number to be paid is successfully compared with the hash value of any real card number.
The embodiment of the invention also provides a block chain-based inter-bank payment service processing device, which is used for solving the technical problems of complicated flow and low safety of the conventional inter-bank payment service system, and comprises the following steps: the bank-crossing payment request module is used for receiving a bank-crossing payment request initiated by a first bank system, the bank-crossing payment request is used for requesting to execute a deduction operation on a card number to be paid of a second bank system, and the bank-crossing payment request comprises: the hash value of the card number to be paid and the virtual card number associated with the real card number of one or more bank systems; the block chain inquiry module is used for inquiring one or more real card numbers related to the virtual card number from a block chain network; the verification module of the card to be paid is used for carrying out Hash operation on each inquired real card number and comparing the Hash value of the card number to be paid with the Hash value of each real card number; and the cross-bank payment module is used for executing money deduction operation on the card number to be paid of the second bank system under the condition that the hash value of the card number to be paid is successfully compared with the hash value of any real card number.
The embodiment of the invention also provides computer equipment for solving the technical problems of complicated flow and low safety of the conventional cross-bank payment service system, the computer equipment comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, and the processor realizes the block chain-based cross-bank payment service processing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problems of complex flow and low safety of the conventional cross-bank payment service system.
In the embodiment of the invention, after receiving a cross-bank payment request which is initiated by a first bank system and requests to execute deduction operation on a card number to be paid of a second bank system, inquiring one or more real card numbers related to the virtual card number from a blockchain network according to the virtual card number contained in the cross-bank payment request, further performing hash operation on each inquired real card number, comparing the hash value of the card number to be paid with the hash value of each real card number, and executing deduction operation on the card number to be paid of the second bank system under the condition that the hash value of the card number to be paid is successfully compared with the hash value of any real card number, compared with the technical scheme of realizing cross-bank payment business processing based on a Unionpay center in the prior art, the embodiment of the invention can complete the distrust problem in cross-bank payment based on mutual-recognition mechanism of the blockchain network, the association relationship between the virtual card number and each real card number stored in the block chain network is utilized to verify the identity of the card holding user of the card number to be paid, thereby simplifying the cross-row payment service process, and only transmitting the hash value of the virtual card number and the real card number of the user in the data transmission process, thereby avoiding the information of the user card number from being leaked, and improving the safety of the cross-row payment service.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a block chain-based inter-bank payment service processing method provided in an embodiment of the present invention;
fig. 2 is a flowchart of an optional inter-bank payment service processing method based on a blockchain according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a block chain-based inter-bank payment service system provided in an embodiment of the present invention;
fig. 4 is a schematic diagram of a block chain-based inter-bank payment service processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic diagram of an optional inter-bank payment service processing apparatus based on a blockchain according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
An embodiment of the present invention provides a block chain-based inter-bank payment service processing method, and fig. 1 is a flowchart of a block chain-based inter-bank payment service processing method provided in an embodiment of the present invention, and as shown in fig. 1, the method may include the following steps:
s101, receiving a line-crossing payment request initiated by a first bank system, wherein the line-crossing payment request is used for requesting to execute a deduction operation to a card number to be paid of a second bank system, and the line-crossing payment request comprises: a hash value of the card number to be paid, and a virtual card number associated with a real card number of one or more banking systems.
It should be noted that, in the embodiment of the present invention, the request for payment across banks refers to a request for initiating payment at the first banking system, but executing payment through a banking card in the second banking system. In the embodiment of the invention, the card number to be paid refers to a bank card number of a bank card used across banks; the real card number refers to the card number of the bank card opened by the user in each bank system.
S102, one or more real card numbers related to the virtual card number are inquired from the block chain network.
In the implementation, a virtual card number may be generated in advance for each user, and the virtual card number and the real card number of the user at each bank system may be stored in association with each other in the block chain network.
S103, carrying out hash operation on each inquired real card number, and comparing the hash value of the card number to be paid with the hash value of each real card number.
The Hash operation has the irreversible characteristic, so that an attacker cannot obtain the real card number according to the Hash value of the real card number; however, the same hash value can be obtained by performing hash operation by using the same card number stored on the blockchain network, so that the embodiment of the invention can compare the hash value of the card number to be paid with the hash values of the real card numbers, thereby determining whether the user who initiates the cross-bank transfer payment request is the cardholder corresponding to the card number to be paid.
S104, when the hash value of the card number to be paid is successfully compared with the hash value of any real card number, the deduction operation is carried out on the card number to be paid of the second bank system.
Optionally, when the comparison between the hash value of the card number to be paid and the hash values of all the real card numbers stored on the zone cross-link network fails, the operation of deducting the payment card number to be paid of the cross-row payment request is rejected or interrupted.
As can be seen from the above, in the inter-bank payment service processing method based on a block chain provided in the embodiment of the present invention, after receiving an inter-bank payment request that requests to perform a deduction operation to a card number to be paid of a second bank system, initiated by a first bank system, one or more real card numbers associated with the virtual card number are queried from a block chain network according to the virtual card number included in the inter-bank payment request, and then hash operations are performed on the queried real card numbers, hash values of the card numbers to be paid are compared with hash values of the real card numbers, and when the hash values of the card numbers to be paid are successfully compared with hash values of any real card number, the deduction operation is performed to the card number to be paid of the second bank system.
By the aid of the block chain-based cross-row payment service processing method, the distrust problem in cross-row payment can be solved based on a consensus mutual trust mechanism of a block chain network, the identity of a card-holding user of a card number to be paid is verified by using the association relation between the virtual card number and each real card number stored in the block chain network, cross-row payment service flow is simplified, only the virtual card number and the hash value of the real card number of the user are transmitted in the data transmission process, user card number information can be prevented from being leaked, and safety of cross-row payment service is improved.
In an embodiment, as shown in fig. 2, the method for processing a block chain-based inter-bank payment service provided in the embodiment of the present invention may further include the following steps:
s201, acquiring one or more real card numbers to be associated;
s202, generating virtual card numbers related to each real card number.
Optionally, after executing the above S202, the method for processing a block chain-based inter-bank payment service provided in the embodiment of the present invention may further include the following steps: and sending the generated virtual card number to a bank system of each real card number.
S203, the virtual card number is stored in the block chain network and is associated with each real card number stored in the block chain network.
Optionally, after executing the above S201, the method for processing a block chain-based inter-bank payment service provided in the embodiment of the present invention may further include the following steps: and sending card number uploading requests to the bank systems of the real card numbers to be associated, so that the real card numbers to be associated of the respective bank systems are stored in the block chain network by the respective bank systems.
Fig. 3 is a schematic diagram of a block chain-based inter-row payment service system provided in an embodiment of the present invention, and as shown in fig. 3, the block chain-based inter-row payment service system provided in the embodiment of the present invention may include: a plurality of banking systems 10 (e.g., bank a, bank B, and bank C systems shown in fig. 3), a blockchain network system 20, and a unionpay payment center 30.
The blockchain network system 20 may include: the system comprises a virtual card number generation module, a virtual card number mapping module, a payment initiation module, a card number retrieval module, a hash check module and a transaction generation module.
The implementation principle of the invention is explained by taking the inter-bank telephone fee charging as an example:
suppose a user uses the bank system a (e.g., the mobile banking client of bank a) to recharge the telephone charges and selects the bank card of bank B to pay.
If the existing inter-bank payment service processing scheme is adopted, when inter-bank telephone charge recharging is carried out, bank A needs to send the mobile phone number of the user, part of personal information and the bank card number B to the Unionpay for verification, if the Unionpay verification is successful, the bank card number B filled by the user is determined to be the bank card number B of the user, after the bank A receives the verification result, the bank A sends the bank card number, payment amount, user mobile phone number and other information to the bank B through a bank B payment link for deduction, after the bank B receives the payment information, the bank B verifies the payment information, and after the verification is passed, the payment information is sent to the Unionpay for deduction operation.
By adopting the cross-bank payment scheme provided by the embodiment of the invention, when the cross-bank telephone fee is recharged, the association relationship between the virtual card number and each real card number stored on the block chain network can be utilized to verify the identity of the card-holding user of the card number to be paid, so that the cross-bank payment service process is simplified, and in addition, only the virtual card number and the hash value of the real card number of the user are transmitted in the data transmission process, so that the information of the card number of the user can be prevented from being leaked, and the safety of the cross-bank payment service is improved.
The block chain-based inter-bank payment service processing method provided by the embodiment of the invention has the specific implementation principle that: generating and maintaining a virtual card number i corresponding to each user in a block chain system, wherein the virtual card number i is a unique identifier of the user in the system and is also unique information for cross-row payment user information transmission; the virtual card number i maps the real card numbers j, k and l.of the user in a plurality of banks in the system, and the system links the information and the mapping relation; and each row only needs to transmit the virtual card number i of the user, hash calculation is carried out on the row card to be paid, the hash value is verified to the local block chain system, the local block chain system retrieves the real card number mapped by the i after receiving the request, hash calculation is carried out on the real card number, the hash value is compared to determine whether the user is a real cardholder, and the subsequent cross-row payment operation is completed. Therefore, in the embodiment of the invention, the virtual card number is used for replacing the real card number for transmission, so that the information leakage risk of the cross-bank payment service can be avoided; the card holder is verified by using the hash value of the card number, the mapping relation between the virtual card number and the real card number is maintained by using the block chain network, and a mutual trust mechanism is established, so that a complicated business process of a cross-bank payment business can be avoided.
For example, the real card numbers of a certain user in bank A, bank B and bank C are j, k and l; the bank A, the bank B and the bank C write the real card numbers j, k and l of the user in the bank into the virtual card number generation module of the block chain network system. And simultaneously calling a virtual card number mapping module by a virtual card number generation module of the block chain network system according to the virtual card number i of the user to map j, k and l to the virtual card number i. The virtual card number mapping module adds the user record in the user identity mapping table. The virtual card number mapping module sends the virtual card number i generated by the user to each bank system, and informs each bank system that the virtual card number i is a credible certificate for the user to execute the cross-bank payment service among each bank. The bank system stores the received virtual card number i in the bank system and associates the virtual card number i with the real card number of the user (for example, bank A: i ← → j; bank B: i ← → k; bank C: i ← → l).
When a user charges the telephone fee in the bank A and wants to use the bank card B to pay, the card number to be paid selected during payment is the card number k of the user in the bank B, and the bank A finds the card number j of the user in the bank and finds the corresponding virtual card number i.
After the bank A finds the virtual card number i of the user, the payment initiating module of the blockchain network system carries out hash operation on the card number k of the user in the bank B to obtain a hash value H1 of the card number k, and the virtual card number i and the hash value H1 are sent to a card number retrieval module of the blockchain network. After receiving the virtual card number i and the hash value H1, the card number retrieval module finds the real card numbers j, k and l of the user in the bank A, the bank B and the bank C according to the virtual card number i and sends the real card numbers j, k and l to the hash check module of the block chain network system.
The hash check module of the block chain network system respectively carries out hash operation on the real card numbers j, k and l to obtain corresponding hash values H2, H3 and H4, and the result of comparison shows that H1 is H3, so that the user can know from H3 → k → B bank, and the user pays by using the k card number of the B bank. And the transaction generation module directly replaces the bank B to initiate a cross-bank k-card payment transaction request to the Unionpay to complete the transaction.
Optionally, if the user newly opens the card M in bank D or fills and sells the card subsequently, the mapping relationship stored in the blockchain network may be updated.
Based on the same inventive concept, the embodiment of the present invention further provides a device for processing a block chain-based inter-bank payment service, as described in the following embodiments. Because the principle of the device for solving the problems is similar to the block chain-based inter-bank payment service processing method, the implementation of the device can refer to the implementation of the block chain-based inter-bank payment service processing method, and repeated parts are not described again.
Fig. 4 is a schematic diagram of a block chain-based inter-bank payment service processing apparatus provided in an embodiment of the present invention, and as shown in fig. 4, the apparatus includes: a cross bank payment request module 41, a blockchain inquiry module 42, a to-be-paid card verification module 43, and a cross bank payment module 44.
The inter-bank payment request module 41 is configured to receive an inter-bank payment request initiated by a first bank system, where the inter-bank payment request is used to request to execute a deduction operation on a card number to be paid of a second bank system, and the inter-bank payment request includes: the hash value of the card number to be paid and the virtual card number associated with the real card number of one or more bank systems; a blockchain query module 42, configured to query one or more real card numbers associated with the virtual card number from a blockchain network; the to-be-paid card verification module 43 is configured to perform hash operation on the queried real card numbers, and compare the hash value of the to-be-paid card number with the hash value of each real card number; and the cross-bank payment module 44 is configured to, when the hash value of the card number to be paid is successfully compared with the hash value of any one of the real card numbers, perform a deduction operation on the card number to be paid of the second bank system.
As can be seen from the above, the inter-bank payment service processing apparatus based on the block chain provided in the embodiment of the present invention receives, through the inter-bank payment request module 41, an inter-bank payment request that requests the first bank system to execute a deduction operation to a card number to be paid of the second bank system; inquiring one or more real card numbers related to the virtual card number from the block chain network through the block chain inquiry module 42 according to the virtual card number contained in the cross-row payment request; the verification module 43 of the card to be paid performs hash operation on each inquired real card number, and compares the hash value of the card number to be paid with the hash value of each real card number, and when the comparison between the hash value of the card number to be paid and the hash value of any real card number is successful, the payment module 44 of the line crossing carries out deduction operation on the card number to be paid of the second bank system.
The cross-row payment service processing device based on the block chain can complete the distrust problem in cross-row payment based on the consensus mutual trust mechanism of the block chain network, verify the identity of a card-holding user of a card number to be paid by utilizing the association relation between the virtual card number and each real card number stored in the block chain network, simplify the cross-row payment service process, only transmit the hash value of the virtual card number and the real card number of the user in the data transmission process, avoid the information of the card number of the user from being leaked, and improve the safety of the cross-row payment service.
In an embodiment, as shown in fig. 5, the device for processing a block chain-based cross-bank payment service provided in an embodiment of the present invention may further include: the virtual card number generation module 45 is configured to obtain one or more real card numbers to be associated, generate a virtual card number associated with each real card number, store the virtual card number in the blockchain network, and associate the virtual card number with each real card number stored in the blockchain network.
In an embodiment, as shown in fig. 5, the device for processing a block chain-based cross-bank payment service provided in an embodiment of the present invention may further include: the real card number uploading module 46 is configured to send a card number uploading request to the bank systems of the real card numbers to be associated, so that each bank system stores the real card numbers to be associated by the respective bank system to the block chain network.
In an embodiment, as shown in fig. 5, the device for processing a block chain-based cross-bank payment service provided in an embodiment of the present invention may further include: the virtual card number issuing module 47 is used for sending the generated virtual card number to the bank system of each real card number.
Based on the same inventive concept, the embodiment of the invention further provides a computer device, which is used for solving the technical problems of complex flow and low safety of the existing inter-bank payment service system.
Based on the same inventive concept, the embodiment of the invention further provides a computer readable storage medium, so as to solve the technical problems of complicated flow and low security of the existing inter-bank payment service system.
In summary, embodiments of the present invention provide a method, an apparatus, a computer device, and a computer-readable storage medium for processing a cross-bank payment service based on a block chain, and compared with a technical scheme in the prior art that a cross-bank payment service processing is implemented based on a union pay center, embodiments of the present invention can implement an untrusted problem in cross-bank payment based on a consensus mutual trust mechanism of a block chain network, and verify a card-holding user identity of a card number to be paid by using an association relationship between a virtual card number and each real card number stored on the block chain network, thereby simplifying a cross-bank payment service process.
By the embodiment of the invention, the following technical effects can be realized but not limited: the process is simplified: the complex business process is avoided, multi-party verification is not needed, and verification cost and a series of safety problems caused by verification defects are avoided; secondly, low cost: communication between each row is not needed, so that a transaction link for cross-row payment of special users is not needed to be maintained between each row; high security: only the hash values of the virtual card number and the real card number are transmitted, so that the problem of information leakage caused by multiple times of transmission of user information and payment card numbers in the traditional process is solved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A block chain-based cross-bank payment service processing method is characterized by comprising the following steps:
receiving a bank-crossing payment request initiated by a first bank system, wherein the bank-crossing payment request is used for requesting to execute a deduction operation on a card number to be paid of a second bank system, and the bank-crossing payment request comprises: the hash value of the card number to be paid and a virtual card number associated with the real card numbers of one or more bank systems;
querying one or more real card numbers associated with the virtual card number from a block chain network;
carrying out hash operation on each inquired real card number, and comparing the hash value of the card number to be paid with the hash value of each real card number;
and when the hash value of the card number to be paid is successfully compared with the hash value of any real card number, executing money deduction operation on the card number to be paid of a second bank system.
2. The method of claim 1, wherein the method further comprises:
acquiring one or more real card numbers to be associated;
generating virtual card numbers related to each real card number;
and storing the virtual card number to the block chain network, and associating the virtual card number with each real card number stored on the block chain network.
3. The method of claim 2, wherein the method further comprises:
and sending card number uploading requests to the bank systems of the real card numbers to be associated, so that the real card numbers to be associated of the respective bank systems are stored in the block chain network by the respective bank systems.
4. The method of claim 2, wherein the method further comprises:
and sending the generated virtual card number to a bank system of each real card number.
5. A block chain-based cross-bank payment service processing device is characterized by comprising:
the bank-crossing payment request module is used for receiving a bank-crossing payment request initiated by a first bank system, the bank-crossing payment request is used for requesting to execute a deduction operation on a card number to be paid of a second bank system, and the bank-crossing payment request comprises: the hash value of the card number to be paid and a virtual card number associated with the real card numbers of one or more bank systems;
the block chain inquiry module is used for inquiring one or more real card numbers related to the virtual card number from a block chain network;
the verification module of the card to be paid is used for carrying out Hash operation on each inquired real card number and comparing the Hash value of the card number to be paid with the Hash value of each real card number;
and the cross-bank payment module is used for executing money deduction operation on the card number to be paid of the second bank system under the condition that the hash value of the card number to be paid is successfully compared with the hash value of any real card number.
6. The apparatus of claim 5, wherein the apparatus further comprises:
the virtual card number generation module is used for acquiring one or more real card numbers to be associated, generating virtual card numbers associated with the real card numbers, storing the virtual card numbers to the block chain network, and associating the virtual card numbers with the real card numbers stored on the block chain network.
7. The apparatus of claim 6, wherein the apparatus further comprises:
and the real card number uploading module is used for sending card number uploading requests to the bank systems of the real card numbers to be associated, so that the bank systems store the real card numbers to be associated of the bank systems to the block chain network.
8. The apparatus of claim 6, wherein the apparatus further comprises:
the virtual card number issuing module is used for sending the generated virtual card number to the bank system of each real card number.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain based cross bank payment transaction processing method of any one of claims 1 to 4.
10. A computer-readable storage medium storing a computer program for executing the block chain-based cross-bank payment service processing method according to any one of claims 1 to 4.
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