CN112488681A - Block chain-based authorization code payment method, system, terminal and storage medium - Google Patents

Block chain-based authorization code payment method, system, terminal and storage medium Download PDF

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CN112488681A
CN112488681A CN202011437571.3A CN202011437571A CN112488681A CN 112488681 A CN112488681 A CN 112488681A CN 202011437571 A CN202011437571 A CN 202011437571A CN 112488681 A CN112488681 A CN 112488681A
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authorization code
request
payment
block chain
password
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邓超河
陈建生
陈思翰
刘勇
植挺生
庄广壬
庾浩谦
冼永乐
文青
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Guangdong Guangyu Technology Development Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention provides an authorization code payment method, system, terminal and storage medium based on a block chain; the method comprises the following steps: obtaining authorization code data to compile an intelligent contract, and storing the intelligent contract into a block chain; when a user terminal login request authorization code is generated, request authorization code data of the user terminal request generation authorization code are obtained, and the validity of the request authorization code data is verified by calling an intelligent contract; when the user terminal logs in to request the authorization code to pay, acquiring an authorization code password II of the user terminal requesting the authorization code to pay, encrypting the authorization code password II and the user login, and calling an intelligent contract to verify the validity of the authorization code password II: when the second authentication code password is valid, completing the payment of the authentication code; and updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into the block chain. The invention can effectively prevent the payment data of the authorization code from being cracked and tampered, thereby improving the safety and reliability of the payment of the authorization code and greatly improving the user experience.

Description

Block chain-based authorization code payment method, system, terminal and storage medium
Technical Field
The present invention relates to the field of block chain technologies, and in particular, to a block chain-based authorization code payment method, system, terminal, and storage medium.
Background
The authorization code payment refers to an authorization code password generated according to a formulated unified payment rule and a formulated checking method, the password sets a usable electronic virtual amount according to the requirements of a service scene, and payment is realized by the password in a scene needing payment consumption. When the appointed time or consumption amount is reached, the bill charge related to the automatic actual settlement is carried out through the bank system.
However, the prior art is based on http, https protocols for transmission of authorization codes, access control, signature verification, and the use of a conventional database for storing information about authorization codes. When the authorization code is used for payment, the authorization code and personal information may be leaked sometimes, which causes unsafe hidden danger of the authorization code limit. Even in the process of payment data transmission, the data is intercepted and cracked and tampered by a third party, so that insecurity and economic loss of the system are caused. The authorization and verification services depend on limited server resources, and once the servers fail or are attacked to cause service unavailability, all consumption and payment operations cannot be performed, so that economic loss is caused.
Disclosure of Invention
The invention aims to overcome the defects and shortcomings in the prior art and provides an authorization code payment method based on a block chain, which can effectively prevent data from being cracked and tampered in the authorization code payment process, thereby improving the security and reliability of authorization code payment and greatly improving user experience.
A second object of the present invention is to provide an authorization code payment system based on a block chain.
A third object of the present invention is to provide an authorization code payment terminal.
It is a fourth object of the present invention to provide a storage medium.
The first purpose of the invention can be achieved by adopting the following technical scheme:
an authorization code payment method based on a block chain is characterized in that: the method comprises the following steps:
obtaining authorization code data to compile an intelligent contract, and storing the intelligent contract into a block chain;
when the user terminal login request authorization code is generated, request authorization code data of the user terminal request generation authorization code is obtained, and the validity of the request authorization code data is verified by calling an intelligent contract:
when the request authorization code data are verified to be valid, encrypting the request authorization code data and storing the request authorization code data in a block chain to generate an authorization code password I, and encrypting the authorization code password I and sending the authorization code password I to a user side;
when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, the user side is notified;
when the user terminal logs in to request the authorization code to pay, acquiring an authorization code password II of the user terminal requesting the authorization code to pay, encrypting the authorization code password II and the user login, and calling an intelligent contract to verify the validity of the authorization code password II:
when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the current payment into a block chain;
and when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
Further, the authorization code data includes authorization code amount, authorization code use items, user identity information and validity period.
Further, the obtaining of the authorization code data to compile the intelligent contract and storing the intelligent contract in the block chain means:
compiling the intelligent contract by using a solidity language, compiling the intelligent contract into an EVM readable and understandable binary file, and then deploying the binary file to a block chain for execution;
deployment of intelligent contracts onto blockchains assigns a contract address, and subsequent invocations of intelligent contracts will use the contract address to make calls.
Further, the data of the request authorization code is a request authorization code amount, a request authorization code use item, request user identity information and a request validity period.
Further, the invoking of the intelligent contract verifies the validity of the request authorization code data: when the request authorization code data is verified to be valid, encrypting the request authorization code data and storing the encrypted request authorization code data in a block chain to generate an authorization code password one, and encrypting and sending the authorization code password one to a user side, wherein the steps are as follows:
calling an intelligent contract to verify the authorization code data and the authorization code data, encrypting the authorization code data in a key-value form by using a block chain hash algorithm and storing the encrypted authorization code data in all nodes of a block chain network in a distributed manner when the authorization code data are verified to be valid, and simultaneously generating an 8-bit character string containing letters and numbers as a first authorization code password for payment; and finally, carrying out encrypted signature on the authorization code password one by using md5 and sending the authorization code password one to the user end.
Further, the calling the intelligent contract to verify the request authorization code data and the authorization code data refers to: calling an intelligent contract to verify the request authorization code data and the authorization code data according to a generation rule, wherein the generation rule meets the following conditions, and the verification request authorization code data is valid:
I. requesting the authorization code amount to be less than or equal to the authorization code amount;
requesting an authorization code for use item to match the authorization code for use item;
requesting to use the user identity information to be matched with the user identity information;
request validity period is within validity period.
Further, encrypting the authorization code password two and user login, and calling an intelligent contract to verify the validity of the authorization code password two: when the second authentication code password is valid, completing the payment of the authentication code; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into a block chain, wherein the step is as follows:
transmitting the authorization code II and the user login information into an intelligent contract through asymmetric encryption and MD5 encrypted signature, calling the intelligent contract to verify the payment authorization code data and the request authorization code data corresponding to the authorization code II according to a verification rule, wherein the payment authorization code data are payment authorization code amount, payment authorization code use items, payment use user identity information and payment validity period; if the verification rule meets the following conditions, the verification authorization code password two is valid:
(1) the payment authorization code amount is less than or equal to the request authorization code amount;
(2) the payment authorization code purpose item is matched with the request authorization code purpose item;
(3) the payment use user identity information is matched with the request user identity information;
(4) the payment validity period is within the request validity period;
when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; and updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into the block chain.
The second purpose of the invention can be achieved by adopting the following technical scheme:
an authorization code payment system based on a block chain is characterized in that: the method comprises the following steps:
the intelligent contract generating module is used for acquiring authorization code data to compile an intelligent contract and storing the intelligent contract into the block chain;
the authorization code generation module is used for acquiring request authorization code data of a user terminal requesting to generate an authorization code, and calling the intelligent contract to verify the validity of the request authorization code data: when the request authorization code data are verified to be valid, encrypting the request authorization code data and storing the request authorization code data in a block chain to generate an authorization code password I, and encrypting the authorization code password I and sending the authorization code password I to a user side; when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, the user side is notified;
the authorization code payment module is used for acquiring an authorization code password II of the user terminal requesting authorization code payment, encrypting the authorization code password II and user login, and calling an intelligent contract to verify the validity of the authorization code password II: when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the current payment into a block chain; and when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
The third purpose of the invention can be achieved by adopting the following technical scheme:
an authorization code payment terminal comprising a processor and a memory for storing processor executable programs, characterized in that: the authorization code payment method based on the block chain is realized.
The fourth purpose of the invention can be achieved by adopting the following technical scheme:
the computer program, when executed by a processor, causes the processor to perform the block-chain based authorization code payment method described above.
Compared with the prior art, the invention has the following advantages and beneficial effects:
1. the authorization code payment method based on the block chain can effectively prevent data from being cracked and tampered in the authorization code payment process, thereby improving the safety and reliability of authorization code payment and greatly improving the user experience.
2. The invention adopts the block chain cryptography technology to encrypt the data requesting the authorization code, and also carries out encryption signature verification in the transmission process of the authorization code password, thereby preventing the data from being cracked.
3. The invention adopts the block chain decentralized distribution technology to perform decentralized deployment on the service, and stores the authorization code information in all nodes of the block chain network in a distributed manner, thereby ensuring that the authorization code information is not lost and is available in real time, improving the fault-tolerant capability and the attack resistance of the service and preventing data from being tampered.
4. The invention adopts a block chain intelligent contract technology, writes data into a block chain block by writing an intelligent contract program, defines the generation rule and the verification rule of the authorization code, and performs all operations according to the rule. Once written into the blockchain, the rules cannot be modified by anyone, and a trusted mechanism is really realized.
Drawings
FIG. 1 is a flow chart of intelligent contract generation in a block chain-based authorization code payment method of the present invention;
fig. 2 is a flowchart of the generation of an authorization code in the block chain-based authorization code payment method according to the present invention;
FIG. 3 is a flowchart of authorization code payment in the block chain-based authorization code payment method of the present invention;
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and specific embodiments.
Example one
As shown in fig. 1 to 3, a block chain-based authorization code payment method includes:
and (I) acquiring the authorization code data to write an intelligent contract, and storing the intelligent contract into the block chain. The authorization code data includes authorization code amount, authorization code use items, user identity information and validity period.
Compiling an intelligent contract according to the authorization code data, storing the intelligent contract into a block chain, compiling the intelligent contract by using a solid language into an EVM readable binary file, and then deploying the EVM readable binary file to the block chain for execution; deployment of intelligent contracts onto blockchains assigns a contract address, and subsequent invocations of intelligent contracts will use the contract address to make calls. Once the intelligent contract is successfully deployed and stored on the blockchain, the intelligent contract can not be modified by anyone and meets the requirement of a 100% credible mechanism. The following generation of the authorization code and the verification of the authorization code during payment are realized by calling the intelligent contract through the contract address.
When the user terminal login request authorization code is generated, acquiring request authorization code data of the user terminal request generation authorization code, and calling an intelligent contract to verify the request authorization code data and the authorization code data:
1. when the request authorization code data is verified to be valid, the request authorization code data is encrypted in a key-value form through a block chain hash algorithm and is stored in all nodes of a block chain network in a distributed mode, and the security of the request authorization code data is guaranteed. And simultaneously, an 8-bit character string containing letters and numbers is generated to be used as an authorization code password one for payment. The most basic characteristic of the block chain is decentralization, the distributed recording, storage and updating of data are realized without depending on a centralization mechanism, all nodes in the block chain network have the right of accounting, and the invention utilizes the characteristic of the decentralization of the block chain to store the data of the request authorization code in all nodes of the block chain network in a distributed manner, thereby ensuring that the data of the request authorization code cannot be lost and can be used in real time. And finally, carrying out encrypted signature on the authorization code password one by using md5 and sending the authorization code password one to the user end to prevent the data from being tampered.
2. And when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, notifying the user terminal.
The step of calling the intelligent contract to verify the authorization code data and the request authorization code data is as follows: the request authorization code data is request authorization code quota, request authorization code use items, request user identity information and request validity period. Calling an intelligent contract to verify the request authorization code data and the authorization code data according to a generation rule, wherein the generation rule meets the following conditions, and the verification request authorization code data is valid:
I. requesting the authorization code amount to be less than or equal to the authorization code amount;
requesting an authorization code for use item to match the authorization code for use item;
requesting to use the user identity information to be matched with the user identity information;
request validity period is within validity period.
When a user terminal logs in to request the authorization code to pay, acquiring an authorization code password II of the user terminal requesting the authorization code to pay, transmitting the authorization code password II and user login information into an intelligent contract through asymmetric encryption and MD5 encrypted signature, calling the intelligent contract to verify payment authorization code data and request authorization code data corresponding to the authorization code password II according to a verification rule, wherein the payment authorization code data are payment authorization code amount, payment authorization code purpose items, payment use user identity information and payment validity period; if the verification rule meets the following conditions, the verification authorization code password two is valid:
(1) the payment authorization code amount is less than or equal to the request authorization code amount;
(2) the payment authorization code purpose item is matched with the request authorization code purpose item;
(3) the payment use user identity information is matched with the request user identity information;
(4) the payment validity period is within the request validity period;
1. when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; and updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into the block chain.
2. And when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
Example two
In order to implement the authorization code payment method based on the block chain in the first embodiment, this embodiment provides an authorization code payment system based on the block chain, where the system includes:
the intelligent contract generating module is used for acquiring authorization code data to compile an intelligent contract and storing the intelligent contract into the block chain;
the authorization code generation module is used for acquiring request authorization code data of a user terminal requesting to generate an authorization code, and calling the intelligent contract to verify the validity of the request authorization code data: when the request authorization code data are verified to be valid, encrypting the request authorization code data and storing the request authorization code data in a block chain to generate an authorization code password I, and encrypting the authorization code password I and sending the authorization code password I to a user side; when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, the user side is notified;
the authorization code payment module is used for acquiring an authorization code password II of the user terminal requesting authorization code payment, encrypting the authorization code password II and user login, and calling an intelligent contract to verify the validity of the authorization code password II: when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the current payment into a block chain; and when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
EXAMPLE III
The authorization code payment terminal comprises a processor and a memory for storing an executable program of the processor, and is characterized in that: the authorization code payment method based on the block chain in the first embodiment is implemented.
Example four
The present embodiment is a storage medium, characterized in that: wherein the storage medium stores a computer program that, when executed by a processor, causes the processor to perform a block-chain based authorization code payment method according to an embodiment.
The above embodiments are preferred embodiments of the present invention, but the present invention is not limited to the above embodiments, and any other changes, modifications, substitutions, combinations, and simplifications which do not depart from the spirit and principle of the present invention should be construed as equivalents thereof, and all such changes, modifications, substitutions, combinations, and simplifications are intended to be included in the scope of the present invention.

Claims (10)

1. An authorization code payment method based on a block chain is characterized in that: the method comprises the following steps:
obtaining authorization code data to compile an intelligent contract, and storing the intelligent contract into a block chain;
when the user terminal login request authorization code is generated, request authorization code data of the user terminal request generation authorization code is obtained, and the validity of the request authorization code data is verified by calling an intelligent contract:
when the request authorization code data are verified to be valid, encrypting the request authorization code data and storing the request authorization code data in a block chain to generate an authorization code password I, and encrypting the authorization code password I and sending the authorization code password I to a user side;
when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, the user side is notified;
when the user terminal logs in to request the authorization code to pay, acquiring an authorization code password II of the user terminal requesting the authorization code to pay, encrypting the authorization code password II and the user login, and calling an intelligent contract to verify the validity of the authorization code password II:
when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the current payment into a block chain;
and when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
2. The block chain based authorization code payment method according to claim 1, characterized in that: the authorization code data is authorization code amount, authorization code use items, use user identity information and validity period.
3. The block chain based authorization code payment method according to claim 1, characterized in that: the obtaining of the authorization code data to compile the intelligent contract and storing the intelligent contract into the block chain means that:
compiling the intelligent contract by using a solidity language, compiling the intelligent contract into an EVM readable and understandable binary file, and then deploying the binary file to a block chain for execution;
deployment of intelligent contracts onto blockchains assigns a contract address, and subsequent invocations of intelligent contracts will use the contract address to make calls.
4. The block chain based authorization code payment method according to claim 2, characterized in that: the data of the authorization request code is the credit of the authorization request code, the purpose item of the authorization request code, the identity information of the requesting user and the validity period of the requesting.
5. The block chain based authorization code payment method according to claim 4, characterized in that: the calling intelligent contract verifies the validity of the request authorization code data: when the request authorization code data is verified to be valid, encrypting the request authorization code data and storing the encrypted request authorization code data in a block chain to generate an authorization code password one, and encrypting and sending the authorization code password one to a user side, wherein the steps are as follows:
calling an intelligent contract to verify the authorization code data and the authorization code data, encrypting the authorization code data in a key-value form by using a block chain hash algorithm and storing the encrypted authorization code data in all nodes of a block chain network in a distributed manner when the authorization code data are verified to be valid, and simultaneously generating an 8-bit character string containing letters and numbers as a first authorization code password for payment; and finally, carrying out encrypted signature on the authorization code password one by using md5 and sending the authorization code password one to the user end.
6. The block chain based authorization code payment method according to claim 5, characterized in that: the step of calling the intelligent contract to verify the authorization code data and the request authorization code data is as follows: calling an intelligent contract to verify the request authorization code data and the authorization code data according to a generation rule, wherein the generation rule meets the following conditions, and the verification request authorization code data is valid:
I. requesting the authorization code amount to be less than or equal to the authorization code amount;
requesting an authorization code for use item to match the authorization code for use item;
requesting to use the user identity information to be matched with the user identity information;
request validity period is within validity period.
7. The block chain based authorization code payment method according to claim 4, characterized in that: encrypting the second authorization code password and the user login, and calling an intelligent contract to verify the validity of the second authorization code password: when the second authentication code password is valid, completing the payment of the authentication code; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into a block chain, wherein the step is as follows:
transmitting the authorization code II and the user login information into an intelligent contract through asymmetric encryption and MD5 encrypted signature, calling the intelligent contract to verify the payment authorization code data and the request authorization code data corresponding to the authorization code II according to a verification rule, wherein the payment authorization code data are payment authorization code amount, payment authorization code use items, payment use user identity information and payment validity period; if the verification rule meets the following conditions, the verification authorization code password two is valid:
(1) the payment authorization code amount is less than or equal to the request authorization code amount;
(2) the payment authorization code purpose item is matched with the request authorization code purpose item;
(3) the payment use user identity information is matched with the request user identity information;
(4) the payment validity period is within the request validity period;
when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; and updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the payment into the block chain.
8. An authorization code payment system based on a block chain is characterized in that: the method comprises the following steps:
the intelligent contract generating module is used for acquiring authorization code data to compile an intelligent contract and storing the intelligent contract into the block chain;
the authorization code generation module is used for acquiring request authorization code data of a user terminal requesting to generate an authorization code, and calling the intelligent contract to verify the validity of the request authorization code data: when the request authorization code data are verified to be valid, encrypting the request authorization code data and storing the request authorization code data in a block chain to generate an authorization code password I, and encrypting the authorization code password I and sending the authorization code password I to a user side; when the data of the authorization code of the verification request is invalid and the request for applying the authorization code fails, the user side is notified;
the authorization code payment module is used for acquiring an authorization code password II of the user terminal requesting authorization code payment, encrypting the authorization code password II and user login, and calling an intelligent contract to verify the validity of the authorization code password II: when the second authentication code password is valid, the current authentication code payment is completed, and the user side is notified; updating the information and the state of the authorization code limit in the authorization code data, and storing the record of the current payment into a block chain; and when the verification authorization code password II is invalid, the authorization code payment request fails, and the user side is notified.
9. An authorization code payment terminal comprising a processor and a memory for storing processor executable programs, characterized in that: implementing the block chain based authorization code payment method of any of claims 1-7.
10. A storage medium, characterized by: wherein the storage medium stores a computer program which, when executed by a processor, causes the processor to perform the block chain based authorization code payment method of any of claims 1-7.
CN202011437571.3A 2020-12-11 2020-12-11 Block chain-based authorization code payment method, system, terminal and storage medium Pending CN112488681A (en)

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