CN112950178A - B2B proxy payment method and system based on license chain - Google Patents

B2B proxy payment method and system based on license chain Download PDF

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Publication number
CN112950178A
CN112950178A CN202110212213.0A CN202110212213A CN112950178A CN 112950178 A CN112950178 A CN 112950178A CN 202110212213 A CN202110212213 A CN 202110212213A CN 112950178 A CN112950178 A CN 112950178A
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payment
platform
order information
information
collection
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CN112950178B (en
Inventor
杨向军
狄斌
汪小八
聂大伟
张宗芹
缪旭
刘瑞虹
张晓光
冯煜
范江坤
高莎
李宏
陈海波
范贵甫
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Zhongchao Credit Card Industry Development Co ltd
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Zhongchao Credit Card Industry Development Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

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  • Computer Security & Cryptography (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method and a system for B2B proxy payment based on a license chain, wherein the method comprises the following steps: B2B platform receives payment request containing order information sent by payment terminal, and obtains encrypted order information by encrypting the order information in the payment request; the B2B platform sends the encrypted order information and the B2B platform identification information to a B2B proxy payment platform, so that the B2B proxy payment platform obtains payment account opening row information and collection account opening row information according to the B2B platform identification information, and sends the encrypted order information and the collection account opening row information to a payment account opening row; and the payment account opening bank decrypts the encrypted order information to obtain decrypted order information and initiates a payment uplink operation to the collection account opening bank according to the decrypted order information.

Description

B2B proxy payment method and system based on license chain
Technical Field
The invention relates to the technical field of enterprise to public payment of a B2B platform, in particular to a B2B proxy payment method and system based on a license chain.
Background
At present, the business-to-public payment mode of the B2B platform is divided into bank-based business bank B2B payment and third-party payment platform-based B2B payment according to different service subject types.
The bank-based enterprise online bank B2B payment is realized by the steps that firstly, the bank needs to perform strict qualification verification and on-site verification on an account opening enterprise to ensure the real and effective legal compliance of the enterprise; secondly, the verified enterprises are opened, a hardware identity certificate, namely a USBKey is provided, the only public and private key based on the cryptographic algorithm of the enterprises is stored in the USBKey, and the digital identity of the enterprises is represented according to the related laws and regulations of the state; finally, each time the enterprise performs a key operation on the public account, such as transfer, the enterprise needs to use the USBKey for signature authorization. However, the payment system is separated from the scene of specific enterprise business, is only a simple transfer tool, and cannot adapt to diversified scene payment of enterprises.
B2B payment based on third party payment platform is currently divided into payment gateway mode and platform account mode. The payment gateway mode is that the enterprise jumps to the enterprise internet bank of the bank to pay when paying. The platform account mode needs the registration and authentication of an enterprise on a third-party payment platform, the third-party payment platform provides an account for the enterprise, when the enterprise needs to pay, funds are transferred to the account of the third-party payment platform firstly and then are paid to an account of a collection enterprise on the same platform, and the collection enterprise withdraws the funds from the platform account to a bank account. However, the problems of virtual household of a platform, information and fund unmatched 'two-clearness', unclear fund link, difficult enterprise posting and the like generally exist.
Disclosure of Invention
The technical problems solved by the scheme provided by the embodiment of the invention are that the B2B platform cannot adapt to enterprise scene payment in public payment, the existing platform is 'virtual home', information and fund are not matched with 'two clear', and the fund link is unclear and the enterprise is difficult to enter account.
According to the method for B2B proxy payment based on the license chain, provided by the embodiment of the invention, the method comprises the following steps:
B2B platform receives payment request containing order information sent by payment terminal, and obtains encrypted order information by encrypting the order information in the payment request;
the B2B platform sends the encrypted order information and the B2B platform identification information to a B2B proxy payment platform, so that the B2B proxy payment platform obtains payment account opening row information and collection account opening row information according to the B2B platform identification information, and sends the encrypted order information and the collection account opening row information to a payment account opening row;
and the payment account opening bank decrypts the encrypted order information to obtain decrypted order information and initiates a payment uplink operation to the collection account opening bank according to the decrypted order information.
Preferably, the order information includes: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
Preferably, before the B2B platform receives the payment request containing the order information sent by the payment terminal, the method further includes:
the B2B platform creates and maintains its own B2B platform identification information, public key, and private key.
Preferably, the B2B platform receives a payment request containing order information sent by a payment terminal, and obtains encrypted order information by encrypting the order information in the payment request, where the encrypted order information includes:
the B2B platform receives a payment request which is sent by a payment terminal and contains order information, a public key and a private key of a payment issuer and a public key and a private key of a collection issuer;
the B2B platform generates a new public key and a new private key by utilizing the public key and the private key of the platform, the public key and the private key of the payment issuer and the public key and the private key of the collection issuer;
and the B2B platform encrypts the order information in the payment request by using the new public key to obtain encrypted order information.
Preferably, before the B2B platform receives the payment request containing the order information sent by the payment terminal, the method further includes:
the B2B platform receives payment account opening bank information sent by a payment terminal;
the B2B platform receives the information of the collection account opening bank sent by the collection terminal;
and the B2B platform associates the B2B platform identification information, the payment account opening row information and the collection account opening row information to obtain an association relation table, and sends the association relation table to the B2B proxy payment platform.
Preferably, after the B2B platform generates the new public key and private key, the method further includes:
the B2B platform sends the private key to the payment terminal;
and the payment terminal forwards the private key to the payment issuer, so that the payment issuer decrypts the encrypted order information by using the private key to obtain decrypted order information.
According to the system for various license chain-based B2B proxy payments provided by the embodiment of the invention, the system comprises:
the B2B platform is used for receiving a payment request containing order information sent by a payment terminal, encrypting the order information in the payment request to obtain encrypted order information, and sending the encrypted order information and the B2B platform identification information to the B2B proxy payment platform;
the B2B proxy payment platform is used for acquiring payment issuer information and collection issuer information according to the B2B platform identification information, and sending the encrypted order information and the collection issuer information to a payment issuer;
and the payment account opening bank is used for decrypting the encrypted order information to obtain decrypted order information and initiating the payment upper chain operation to the collection account opening bank according to the decrypted order information.
Preferably, the order information includes: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
Preferably, the B2B platform is also used to create and save its own B2B platform identification information, public key and private key.
Preferably, the B2B platform is configured to receive a payment request sent by a payment terminal and including order information, a public key and a private key of a payment issuer, and a public key and a private key of a collection issuer, generate a new public key and a new private key by using the own public key and private key, the public key and the private key of the payment issuer, and encrypt the order information in the payment request by using the new public key to obtain encrypted order information.
According to the scheme provided by the embodiment of the invention, a new B2B payment mode, namely a B2B proxy payment mode, is realized through the establishment of a license chain trust platform, and the mode effectively solves the problems that an enterprise internet bank in B2B payment cannot adapt to enterprise scene payment, a platform virtual account exists in a third-party payment platform, information and fund are unmatched, and an enterprise cannot enter accounts due to unclear fund links.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention without limiting the invention. In the drawings:
fig. 1 is a flowchart of a method for B2B proxy payment based on a license chain according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a system for B2B proxy payment based on a license chain according to an embodiment of the present invention;
FIG. 3 is a diagram of a license chain platform provided by an embodiment of the invention;
fig. 4 is a payment flow diagram of a B2B proxy platform provided by an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings, and it should be understood that the preferred embodiments described below are only for the purpose of illustrating and explaining the present invention, and are not to be construed as limiting the present invention.
Fig. 1 is a flowchart of a method for B2B proxy payment based on a license chain according to an embodiment of the present invention, as shown in fig. 1, including:
step S101: B2B platform receives payment request containing order information sent by payment terminal, and obtains encrypted order information by encrypting the order information in the payment request;
step S102: the B2B platform sends the encrypted order information and the B2B platform identification information to a B2B proxy payment platform, so that the B2B proxy payment platform obtains payment account opening row information and collection account opening row information according to the B2B platform identification information, and sends the encrypted order information and the collection account opening row information to a payment account opening row;
step S103: and the payment account opening bank decrypts the encrypted order information to obtain decrypted order information and initiates a payment uplink operation to the collection account opening bank according to the decrypted order information.
Wherein the order information comprises: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
Before the B2B platform receives a payment request containing order information sent by a payment terminal, the method further includes: the B2B platform creates and maintains its own B2B platform identification information, public key, and private key.
Specifically, the B2B platform receives a payment request containing order information sent by a payment terminal, and obtains encrypted order information by encrypting the order information in the payment request, where the encrypted order information includes: the B2B platform receives a payment request which is sent by a payment terminal and contains order information, a public key and a private key of a payment issuer and a public key and a private key of a collection issuer; the B2B platform generates a new public key and a new private key by utilizing the public key and the private key of the platform, the public key and the private key of the payment issuer and the public key and the private key of the collection issuer; and the B2B platform encrypts the order information in the payment request by using the new public key to obtain encrypted order information.
Before the B2B platform receives a payment request containing order information sent by a payment terminal, the method further includes: the B2B platform receives payment account opening bank information sent by a payment terminal; the B2B platform receives the information of the collection account opening bank sent by the collection terminal; and the B2B platform associates the B2B platform identification information, the payment account opening row information and the collection account opening row information to obtain an association relation table, and sends the association relation table to the B2B proxy payment platform.
After the B2B platform generates a new public key and a new private key, the method further includes: the B2B platform sends the private key to the payment terminal; and the payment terminal forwards the private key to the payment issuer, so that the payment issuer decrypts the encrypted order information by using the private key to obtain decrypted order information.
Fig. 2 is a schematic diagram of a system for B2B proxy payment based on a license chain according to an embodiment of the present invention, as shown in fig. 2, including: B2B platform 201, B2B proxy payment platform 202, payment issuer 203.
The B2B platform 201 is configured to receive a payment request including order information sent by a payment terminal, encrypt the order information in the payment request to obtain encrypted order information, and send the encrypted order information and B2B platform identification information to a B2B proxy payment platform; the B2B proxy payment platform 202 is configured to obtain payment account opening row information and collection account opening row information according to the B2B platform identification information, and send the encrypted order information and the collection account opening row information to a payment account opening row; the payment account opening bank 203 is configured to decrypt the encrypted order information to obtain decrypted order information, and initiate a payment uplink operation to the collection account opening bank according to the decrypted order information.
Wherein the order information comprises: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
Wherein, the B2B platform is also used for creating and saving own B2B platform identification information, public key and private key.
The B2B platform is specifically configured to receive a payment request sent by a payment terminal and including order information, a public key and a private key of a payment issuer, and a public key and a private key of a collection issuer, generate a new public key and a new private key by using the own public key and private key, the public key and the private key of the payment issuer, and the public key and the private key of the collection issuer, and encrypt the order information in the payment request by using the new public key to obtain encrypted order information.
Fig. 3 is a schematic diagram of a license chain platform provided by an embodiment of the present invention, and as shown in fig. 3, a new trust cooperation model of a commercial bank, a B2B proxy payment mechanism, a clearing mechanism, an operation and maintenance mechanism, and a regulatory mechanism is constructed by using a license chain technology.
The B2B proxy payment authority delegates the responsibility of the commercial bank to or directly to the registration, authentication, and command and encryption information transfer of the third party B2B platform, so the B2B proxy payment authority needs to be acted upon by the clearinghouse or an authoritative third party neutral.
The identity management of the participating institutions, all participating institutions of the permission chain can establish own unique identity by using a cryptography technology, one participating institution corresponds to a pair of public and private keys, the private keys are stored in a block chain special encryption machine deployed in a safe area of the participating institution, and the public keys are placed in an identity contract of the permission chain.
And constructing an information transmission channel based on the license chain, connecting all participating mechanisms with the license chain platform through private lines, transmitting the information by the B2B proxy payment platform and all participating mechanisms through the private lines sharing the participating mechanisms and the license chain platform, encrypting the information, and only viewing the related party, wherein the B2B proxy payment platform is invisible.
And (4) qualification verification, wherein the B2B platform submits relevant qualification data offline through online application, and performs offline verification after passing the verification of the B2B agent payment mechanism or the entrusted commercial bank, and permits the B2B platform to open the B2B payment service after passing the verification, and provides an account and an initial password of the operation and maintenance of the B2B platform.
And (4) configuring an online system, wherein a B2B platform manager logs in the operation and maintenance system by using an account and an initial password, applies for identity identification (APPID), sets a secret key APPSECRET, sets a I P white list of communication and applies for an enterprise certificate to serve as authentication of the communication identity of two parties.
And identity management, wherein the B2B platform uses a cryptography technology to create a public and private key uniquely corresponding to the own identity, the private key is generated and stored in a hardware encryption machine, the public key is submitted to the B2B proxy payment platform for storage, and the added identity public key of the B2B platform is recorded.
And (4) technical docking, namely carrying out special line communication, test and production environment preparation according to a docking scheme of the B2B proxy payment mechanism, and realizing the work of interface docking, test, acceptance and the like of the B2B platform.
After qualification auditing, online system configuration, identity management, and technology docking are complete, the B2B platform may use the B2B payment functionality.
Fig. 4 is a payment flow chart of a B2B proxy platform provided in an embodiment of the present invention, including:
step 1: the business of the buyer and the seller completes a certain transaction on the B2B platform, and the payer initiates a payment process;
step 2: after the payment request of the payer is authenticated by the B2B platform, the request is forwarded to the B2B proxy payment platform by the B2B platform, wherein the order information uses the public and private keys of the B2B platform, the public and private keys of the bank of the collection and payment department and the public and private keys of the monitoring organization, a new public and private key is formed through calculation for encryption, only the collection and payment bank and the monitoring organization can decrypt the encrypted public and private key, and the encrypted public and private key cannot be seen by other participants;
and step 3: the B2B agent platform verifies the B2B platform, verifies whether the account opening banks of both parties of the business for receiving and paying join the permit chain, and after the verification is passed, the B2B agent platform forwards the payment request and the encrypted order information to the account opening bank and the supervision agency of the payer;
and 4, step 4: the payer account opening bank decrypts order information, the financial staff of the payment enterprise audits the order information, and after the order information is determined, the payer account opening bank initiates payment chain-up operation, firstly, money is deducted from the payer account to the intermediate bank, then, the payment request is chain-up, clearing between banks is completed in intelligent contract calculation, and then, the order is off-line;
and 5: the payee account opening bank receives the payment information, enters the account for the payee and accounts in the middle house;
step 6: the account is successfully posted, and the payee account opening bank informs the B2B agent payment platform that the payee successfully receives the account;
and 7: B2B proxy payment platform informs the payer to open an account, B2B platform payment success information;
and 8: the payer account opening bank informs the payer that the payment is successful, and the B2B platform informs the both parties of the successful transaction;
the clearing institution carries out fund transfer between banks in one transaction day, and then starts the service of a second transaction day to realize 7 x 24 uninterrupted operation of the service.
According to the scheme provided by the embodiment of the invention, the following advantages are achieved:
by adopting a new technology of a license chain, a new B2B proxy payment mode is constructed, which is beneficial to enterprise scene payment, the supervision of the whole process of the central bank, the absorption of enterprise deposit by banks and the concentration of the B2B platform on business scene expansion;
an information transmission channel and a privacy protection mechanism based on a permission chain are constructed, so that the information safety is protected, the load and the storage pressure of a block chain are reduced, the information notification transmission efficiency is improved, and the throughput of the whole platform is effectively improved;
different business states are added according to the requirements of business scenes of enterprises, so that scenic payment is supported, such as frozen payment, and two-purpose clearing of money and goods is realized; conditional payment, which realizes the orderly flow of funds according to service conditions;
the original serial payment path is changed into a mode that the two parties of the receipt and the payment conduct direct transaction and other related parties participate and supervise in parallel, so that the fund is kept in a bank system, and the safety risk and the moral risk existing in the fund collection of a virtual account opened by a third-party payment platform in a bank are eliminated;
the information flow is transmitted and recorded between the permission chain and the information transmission channel based on the permission chain, and the information flow is not falsifiable and traceable; the fund flow completely flows in a bank system, the information is completely matched with the fund flow and is completely under supervision, and the problem of 'second clearing' of the fund and the information of the traditional third-party payment platform is perfectly solved;
the platform B2B and the bank can open clear related certificates of both parties of the collection and payment enterprise according to the information records of the permission chain, and the problem that the enterprise is difficult to enter accounts by adopting a third party payment platform is solved.
Although the present invention has been described in detail hereinabove, the present invention is not limited thereto, and various modifications can be made by those skilled in the art in light of the principle of the present invention. Thus, modifications made in accordance with the principles of the present invention should be understood to fall within the scope of the present invention.

Claims (10)

1. A method for B2B proxy payment based on a license chain, comprising:
B2B platform receives payment request containing order information sent by payment terminal, and obtains encrypted order information by encrypting the order information in the payment request;
the B2B platform sends the encrypted order information and the B2B platform identification information to a B2B proxy payment platform, so that the B2B proxy payment platform obtains payment account opening row information and collection account opening row information according to the B2B platform identification information, and sends the encrypted order information and the collection account opening row information to a payment account opening row;
and the payment account opening bank decrypts the encrypted order information to obtain decrypted order information and initiates a payment uplink operation to the collection account opening bank according to the decrypted order information.
2. The method of claim 1, wherein the order information comprises: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
3. The method as claimed in claim 1, wherein before the B2B platform receives the payment request containing the order information sent by the payment terminal, the method further comprises:
the B2B platform creates and maintains its own B2B platform identification information, public key, and private key.
4. The method as claimed in claim 3, wherein the B2B platform receives a payment request containing order information sent by a payment terminal, and obtains encrypted order information by encrypting the order information in the payment request, comprising:
the B2B platform receives a payment request which is sent by a payment terminal and contains order information, a public key and a private key of a payment issuer and a public key and a private key of a collection issuer;
the B2B platform generates a new public key and a new private key by utilizing the public key and the private key of the platform, the public key and the private key of the payment issuer and the public key and the private key of the collection issuer;
and the B2B platform encrypts the order information in the payment request by using the new public key to obtain encrypted order information.
5. The method as claimed in claim 3, wherein before the B2B platform receives the payment request containing the order information sent by the payment terminal, the method further comprises:
the B2B platform receives payment account opening bank information sent by a payment terminal;
the B2B platform receives the information of the collection account opening bank sent by the collection terminal;
and the B2B platform associates the B2B platform identification information, the payment account opening row information and the collection account opening row information to obtain an association relation table, and sends the association relation table to the B2B proxy payment platform.
6. The method of claim 4, wherein after the B2B platform generates the new public and private keys, further comprising:
the B2B platform sends the private key to the payment terminal;
and the payment terminal forwards the private key to the payment issuer, so that the payment issuer decrypts the encrypted order information by using the private key to obtain decrypted order information.
7. A system for B2B proxy payment based on a license chain, comprising:
the B2B platform is used for receiving a payment request containing order information sent by a payment terminal, encrypting the order information in the payment request to obtain encrypted order information, and sending the encrypted order information and the B2B platform identification information to the B2B proxy payment platform;
the B2B proxy payment platform is used for acquiring payment issuer information and collection issuer information according to the B2B platform identification information, and sending the encrypted order information and the collection issuer information to a payment issuer;
and the payment account opening bank is used for decrypting the encrypted order information to obtain decrypted order information and initiating the payment upper chain operation to the collection account opening bank according to the decrypted order information.
8. The system of claim 7, wherein the order information comprises: a collection business name, a payment business name, an order number, a transaction time, transaction information, and a transaction amount.
9. The system of claim 7 wherein the B2B platform is further configured to create and maintain its own B2B platform identification information, public key, and private key.
10. The system according to claim 9, wherein the B2B platform is specifically configured to receive a payment request sent by a payment terminal and containing order information, a public key and a private key of a payment issuer, and a public key and a private key of a collection issuer, generate a new public key and a new private key using the own public key and private key, the public key and the private key of the payment issuer, and the public key and the private key of the collection issuer, and encrypt the order information in the payment request using the new public key to obtain encrypted order information.
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CN117993911A (en) * 2024-04-03 2024-05-07 湖南天河国云科技有限公司 Block chain-based offline payment method, system and computer equipment

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