CN113240507B

CN113240507B - Capital account compliance processing system and implementation method

Info

Publication number: CN113240507B
Application number: CN202110539666.4A
Authority: CN
Inventors: 吴志华; 陆昕; 鲍碧波; 蔡永干
Original assignee: Green Man Technology Co ltd
Current assignee: Green Man Technology Co ltd
Priority date: 2021-05-18
Filing date: 2021-05-18
Publication date: 2022-07-05
Anticipated expiration: 2041-05-18
Also published as: CN113240507A

Abstract

The invention relates to the technical field of fund deposit management and transaction, in particular to a fund account compliance processing system which comprises a user end, a bank end, a merchant end and a recording deposit end, wherein a first block chain network is arranged between the user end and the bank end, a second block chain network is arranged between the bank end and the merchant end, a third block chain network is arranged between the bank end and the recording deposit end, and internet data communication is arranged between the user end and the merchant end.

Description

Capital account compliance processing system and implementation method

Technical Field

The invention relates to the technical field of fund deposit and management and transaction, in particular to a fund account compliance processing system.

Background

The virtual balance account number is used in the traditional user APP, because the operator of the APP does not obtain the license plate problem of fund deposition, the problems of supervision compliance risk, real-name-free authentication of the account number and the like exist, and meanwhile, the traditional virtual account has operation difficulty in income exchange of customers, platforms and merchants.

Disclosure of Invention

Aiming at the defects in the prior art, the invention aims to provide a fund account compliance processing system.

In order to achieve the purpose, the invention provides the following technical scheme: a capital account compliance processing system comprises a user side, a bank side, a merchant side and a recording deposit pipe end, wherein a first block chain network is arranged between the user side and the bank side, a second block chain network is arranged between the bank side and the merchant side, a third block chain network is arranged between the bank side and the recording deposit pipe end, and the user side and the merchant side are in internet data communication;

the user side is a mobile phone APP side, the mobile phone APP side comprises an account registration module, a recharge and cash-out module, and a public key and private key processing module of a first block chain network,

the account registration module is used for registering a real-name account by a user, the recharge cashing module is used for butting a private bank card of the real-name account, and the public key and private key processing module of the first block chain network is used for encrypting and decrypting fund recharge and cashing transaction information between a user side and a bank side and encrypting and decrypting transaction information between the user side and a merchant side;

the merchant terminal is a merchant transaction platform which comprises a merchant registration module, a cash withdrawal module and a public key and private key processing module of a second block chain network,

the merchant registration module is used for registering a real-name account for a merchant, the cash withdrawal module is used for connecting a private bank card of the merchant, and the public key and private key processing module of the second block chain network is used for encrypting and decrypting fund cash withdrawal transaction information between a merchant terminal and a bank terminal and encrypting and decrypting transaction information between a user terminal and the merchant terminal;

the record storage end is a transaction record information storage platform, a public key and private key processing module of a third block chain network is arranged in the transaction record information storage platform,

the transaction record information storage platform is used for storing transaction information between the user end and the merchant end in the first block chain network and transaction information between the user end and the merchant end in the second block chain network, and the transaction information between the user end and the merchant end after the comparison processing information of the user end and the merchant end in the bank end is the same is stored in an encrypted mode through a public key and private key processing module of the third block chain network;

the bank end comprises a fund deposit management server and a fund deposit management account, a public key and private key processing module of a first block chain network, a public key and private key processing module of a second block chain network and a public key and private key processing module of a third block chain network are arranged in the fund deposit management server, the fund deposit management account is a fund unified supervision bank card, the fund deposit management server is bound with the fund deposit management account,

the fund deposit and management server is used for processing the fund of the fund deposit and management account and matching the information of the first block chain network, the second block chain network and the third block chain network, the fund deposit and management account is used for unified deposit and management of all the user recharge funds, and the fund deposit and management account is in transaction butt joint with the user private bank card and the merchant private bank card.

Preferably, the method for implementing communication between the user side and the bank side and between the user side and the merchant side comprises the following steps:

(1) the user registers a real-name account at the APP end of the mobile phone through the user registration module, and binds the private bank card of the user with the registered real-name account through the recharge cashing module;

(2) when a user side carries out fund recharging through an APP, a user inputs the amount of money to be recharged through a recharging interface of the APP, and the recharging amount data, the real-name account information and the user private bank card information bound with the real-name account are transmitted to a fund deposit and management server in an encrypted mode through a first block chain network;

(3) the fund deposit and management server decrypts the received information, conducts bank transaction on the fund deposit and management account and the private bank card of the user, judges whether the user has sufficient fund extracted from the private bank card, when the user has insufficient fund in the private bank card, the fund deposit and management account feeds back the shortage of the amount of the private bank card of the user through a bank system, the fund deposit and management server transmits the shortage of the amount of the money to a mobile phone APP end of the user through a first block chain network for prompting, and ends the fund recharging process, when the user has sufficient fund from the private bank card, the fund deposit and management account extracts the fund charged by the user from the private bank card of the user, and then the fund extracted by the fund deposit and the real-name account of the user are bound and linked to the first block chain network by the fund deposit and management server;

(4) a user can check the self-owned recharging amount in the first block chain network through the APP end of the mobile phone;

(5) after the user finishes fund recharging, the user communicates with a merchant transaction platform through a mobile phone APP and conducts commodity transaction, meanwhile, the merchant transaction platform compares the price of the transaction commodity with the price data in the mobile phone APP of the user to judge whether the amount of money of the user is sufficient or not, if the amount of money is insufficient, a transaction termination prompt is returned, if the amount of money of the user is sufficient, the transaction is successful, and transaction record information with user real-name account information, transaction amount and account information of the transaction merchant is generated;

(6) the mobile phone APP end of the user transmits the transaction record information to a fund deposit and management server through a first blockchain network, and the fund deposit and management server decrypts and identifies the user real-name account information, the transaction amount and the account information of the transaction merchant in the transaction record;

(7) the fund deposit and management server subtracts the data of the transaction amount and the data of the recharge amount of the user in the first block chain network to generate new current user amount data, and links the amount data to the first block chain network, so that the user mobile phone APP can check the current account amount through the first block chain network;

(8) when a user needs to extract the charged account fund into a user private bank card, the user inputs the amount of money to be withdrawn through a withdrawal interface of an APP terminal, and the withdrawal amount data, the real-name account information and the user private bank card information bound to the real-name account are transmitted to a fund deposit and management server in an encrypted manner through a first block chain network;

(9) the fund deposit management server decrypts according to the received information, carries out matching judgment on the decrypted information and the current amount data of the user in the first block chain network, when the current amount data of the user is judged to be smaller than the withdrawal amount data, the fund deposit management server feeds back prompt information indicating that the amount is insufficient, the prompt information is transmitted to a mobile phone APP end of the user through the first block chain network for prompting, the withdrawal flow is terminated, when the current amount data of the user is judged to be larger than or equal to the withdrawal amount data, the fund deposit management server initiates the withdrawal flow, carries out bank transaction on the fund deposit management account and the private bank card of the user, transfers the user withdrawal amount in the fund deposit management account into the private bank card of the user, and after the transfer transaction is completed, the fund deposit management server deducts the withdrawal amount data and the current amount data of the user in the first block chain network and generates new current amount data of the user, and chaining the new amount data to the first block chain network, so that the user mobile phone APP can check the new account amount through the first block chain network.

Preferably, the method for implementing communication between the business terminal and the bank terminal and between the user terminal and the business terminal is as follows:

(1) the method comprises the following steps that a merchant registers a real-name account of merchant information on a merchant transaction platform through a merchant registration module, binds a merchant private bank card with the registered merchant real-name account through a cash withdrawal module, and shelves and updates the merchant information of the merchant on the merchant transaction platform through the real-name account;

(2) after a user successfully transacts commodities on a merchant transaction platform through a mobile phone APP, the merchant transaction platform generates transaction record information with user real-name account information, transaction amount and account information of a transaction merchant;

(3) the merchant transaction platform transmits the transaction record information to a fund deposit and management server through a second blockchain network, and the fund deposit and management server decrypts and identifies the user real-name account information, the transaction amount and the account information of the transaction merchant in the transaction record;

(4) the fund deposit management server adds the transaction amount data to the existing amount data of the merchant to generate new merchant existing amount data, and links the amount data to a second block chain network, and the merchant can check the existing account amount in the merchant transaction platform through the second block chain network;

(5 when the merchant needs to extract the recharged account fund into the private bank card of the merchant, the merchant inputs the amount of money to be cashed through a cashing interface of the merchant transaction platform, and the cashing amount data, the merchant real-name account information and the user private bank card information bound with the merchant real-name account are transmitted to the fund deposit and management server through the second block chain network in an encrypted manner;

(6) the fund deposit management server decrypts according to the received information, matches and judges the decrypted information with the current amount data of the merchant in the second block chain network, when the current amount data of the merchant is judged to be smaller than the cash withdrawal amount data, the fund deposit management server feeds back prompt information with insufficient amount, transmits the prompt information to the merchant notification background of the merchant transaction platform through the second block chain network for prompting, and terminates the cash withdrawal process, when the current amount data of the merchant is judged to be larger than or equal to the cash withdrawal amount data, the fund deposit management server initiates the cash withdrawal process, carries out bank transaction on the fund deposit management account and the merchant private bank card, transfers the cash withdrawal amount of the merchant in the fund deposit management account into the merchant private bank card, and after the transfer transaction is completed, the fund deposit management server deducts the cash withdrawal amount data and the current amount data of the merchant in the second block chain network to generate new merchant current amount data, and linking the new amount data to a second block chain network, and enabling the merchant to check the amount of the existing account in the merchant transaction platform through the second block chain network.

Preferably, the method for realizing communication among the user side, the bank side, the business side and the record storage side comprises the following steps:

(2) the method comprises the following steps that a merchant registers a real-name account of merchant information on a merchant transaction platform through a merchant registration module, binds a merchant private bank card with the registered merchant real-name account through a cash withdrawal module, and shelves and updates the merchant information of the merchant on the merchant transaction platform through the real-name account;

(3) when a user recharges funds through an APP, the user inputs the amount of money to be recharged at a recharging interface of the APP, and the recharging amount data, the real-name account information and the user private bank card information bound to the real-name account are transmitted to the fund deposit and management server in an encrypted manner through a first block chain network;

(4) the fund deposit and management server decrypts the received information, conducts bank transaction on the fund deposit and management account and the private bank card of the user, judges whether the user has sufficient fund extracted from the private bank card, when the user has insufficient fund in the private bank card, the fund deposit and management account feeds back the shortage of the amount of the private bank card of the user through a bank system, the fund deposit and management server transmits the shortage of the amount of the money to a mobile phone APP end of the user through a first block chain network for prompting, and ends the fund recharging process, when the user has sufficient fund from the private bank card, the fund deposit and management account extracts the fund charged by the user from the private bank card of the user, and then the fund extracted by the fund deposit and the real-name account of the user are bound and linked to the first block chain network by the fund deposit and management server;

(5) a user can check the self-owned recharging amount in the first block chain network through the APP end of the mobile phone;

(6) the method comprises the steps that a user transacts commodities on a merchant transaction platform through a mobile phone APP, the merchant transaction platform compares the price of the transacted commodities with the price data in the mobile phone APP of the user to judge whether the amount of the user is sufficient or not, if the amount of the user is insufficient, a transaction termination prompt is returned, if the amount of the user is judged to be sufficient, the initial transaction is successful, and transaction record information with user real-name account information, transaction amount and account information of the transacted merchant is generated;

(7) the mobile phone APP end of the user transmits the transaction record information to a fund deposit and management server through a first block chain network, the fund deposit and management server decrypts and identifies the user real-name account information, the transaction amount and the account information of a transaction merchant in the transaction record, meanwhile, a merchant transaction platform transmits the transaction record information to the fund deposit and management server through a second block chain network, and the fund deposit and management server decrypts and identifies the user real-name account information, the transaction amount and the account information of the transaction merchant in the transaction record;

(8) the fund deposit and management server compares the same transaction information received through the first block chain network and the second block chain network, if the comparison shows that the information matching is successful, the transaction is successful, meanwhile, the information of successful transaction is returned to the user terminal and the merchant terminal, the user and the merchant finish the final transaction, if the comparison shows that the information matching is unsuccessful, the transaction is unsuccessful, meanwhile, the information of unsuccessful transaction is returned to the user terminal and the merchant terminal, and the initial transaction between the user and the merchant is terminated;

(9) after the information in the fund deposit and management server is compared and the transaction is successfully output, the fund deposit and management server transmits the transaction record information which is successfully transacted and has the user real-name account information, the transaction amount and the account information of the transaction merchant to a transaction record information storage platform through a third block chain network and carries out information chain connection in the third block chain network;

(10) after the successful chaining of the transaction record, the fund deposit and management server subtracts the data of the transaction amount and the data of the recharge amount of the user in the first block chain network to generate new current amount data of the user, and chains the amount data into the first block chain network, so that the user mobile phone APP can check the current account amount through the first block chain network; meanwhile, the fund deposit and management server adds the transaction amount data to the existing amount data of the merchant to generate new merchant existing amount data, and links the amount data to a second block chain network, so that the merchant can check the existing account amount in the merchant transaction platform through the second block chain network;

(11) when a user needs to extract account funds of a mobile phone APP into a user private bank card, the user inputs the amount of money to be withdrawn through a withdrawal interface of an APP end, and the withdrawal amount data, the real-name account information and the user private bank card information bound to the real-name account are transmitted to a fund deposit and management server in an encrypted manner through a first block chain network;

(12) the fund deposit and management server decrypts according to the received user cash-out information, carries out matching judgment on the decrypted information and the current amount data of the user in the first block chain network, feeds back prompt information with insufficient amount when judging that the current amount data of the user is smaller than the cash-out amount data, transmits the prompt information to a mobile phone APP end of the user through the first block chain network for prompting, and simultaneously ends the cash-out process; when the existing amount data of the user is judged to be more than or equal to the withdrawal amount data, the fund deposit management server extracts all transaction record information of the user after the last withdrawal operation in the third block chain network, simultaneously extracts the total amount information of the fund amount and the recharge amount stored by the user after the last withdrawal operation in the first block chain network and before the last withdrawal operation, matches and subtracts the two information through the fund deposit management server to generate the existing amount data, matches and judges the generated existing amount data and the existing amount data of the user in the first block chain network, outputs a user fund doubt prompt when the amount data are judged to be different, the user needs to carry out fund amount with the fund deposit management party, when the amount data are matched to be the same, the fund deposit management server initiates a withdrawal flow, and carries out bank transaction on a private fund deposit management account and a user bank card, transferring the user withdrawal amount in the fund deposit and management account into a private bank card of the user, after completing the transfer transaction, deducting the data of the withdrawal amount and the existing amount data of the user in a first block chain network by a fund deposit and management server to generate new user existing amount data, and chaining the new amount data into the first block chain network, wherein a user mobile phone APP can check the new account amount through the first block chain network;

(13) when a merchant needs to extract the charged account funds into a private bank card of the merchant, the merchant inputs the amount of money to be charged through a cash withdrawal interface of a merchant transaction platform, and the data of the amount of money to be charged, the information of the merchant real-name account and the information of the user private bank card bound with the merchant real-name account are transmitted to a fund deposit and management server in an encrypted manner through a second block chain network;

(14) the fund deposit management server decrypts according to the received merchant cash-withdrawal information, matches and judges the decrypted information with the current amount data of the merchant in the second block chain network, when the current amount data of the merchant is judged to be smaller than the cash-withdrawal amount data, the fund deposit management server feeds back prompt information with insufficient amount, transmits the prompt information to the merchant notification background of the merchant transaction platform through the second block chain network for prompting, and terminates the cash-withdrawal flow, when the current amount data of the merchant is judged to be larger than or equal to the cash-withdrawal amount data, the fund deposit management server extracts all transaction record information of the merchant in the third block chain network, generates transaction amount total data information, extracts all cash-withdrawal amount data total amount information of the merchant in the second block chain network before the cash-withdrawal operation, matches and deducts the two information through the fund deposit management server and generates the current amount data, and the generated existing amount data is matched and judged with the existing amount data of the merchant in the second block chain network, when the amount data is judged to be different, a prompt for inquiring the fund of the merchant is output, the merchant needs to check the fund amount with the fund depositor, when the matched amount data is the same, the fund deposit and management server initiates a cash withdrawal flow, performs bank transaction on the fund deposit and management account and the private bank card of the merchant, transfers the cash withdrawal amount of the merchant in the fund deposit and management account into the private bank card of the merchant, and after the transfer transaction is completed, the fund deposit management server deducts the data of the cash withdrawal amount and the existing amount data of the merchant in the second block chain network and generates new merchant existing amount data, and linking the new amount data to a second block chain network, and enabling the merchant to check the amount of the existing account in the merchant transaction platform through the second block chain network.

Preferably, the encryption algorithms in the first blockchain network, the second blockchain network and the third blockchain network are composed of the same encryption algorithm.

Preferably, the encryption algorithms in the first blockchain network, the second blockchain network, and the third blockchain network are composed of encryption algorithms different from each other.

Preferably, the encryption algorithm includes, but is not limited to, a Keccak Hash algorithm, a symmetric encryption algorithm AES-128, and an asymmetric encryption algorithm RSA.

Compared with the prior art, the invention has the beneficial effects that: by the cooperation of the user terminal, the bank terminal and the merchant terminal, the unified deposit and management of funds can be realized, the supervision compliance is improved, and the safety and stability of user or merchant fund exchange are improved;

when the user side carries out fund recharging and fund raising through the first block chain network, the private bank card and the fund deposit management account of the user can be subjected to fund exchange transaction in a bank system, the condition that personal account information is lost or stolen due to information communication on the Internet is avoided, and the fund security is ensured;

when the second blockchain network is used for realizing fund improvement at the merchant terminal, the private bank card of the merchant and the fund deposit management account can be used for carrying out fund exchange transaction in the bank system, the condition that the information of the merchant account is lost or stolen due to information communication on the Internet is avoided, and the fund security is ensured;

the third-party block chaining of the transaction information of the user terminal and the merchant terminal is realized through the third block chaining network, so that the transaction information can be prevented from being lost or falsified by other people, and the reliability of funds and the storage and the timely reading of transaction records are ensured.

The method comprises the steps that a user side, a bank side, a merchant side and a transaction record storage end are arranged, a first block chain network is arranged between the user side and the bank side, a second block chain network is arranged between the bank side and the merchant side, a third block chain network is arranged between the bank side and the record storage end, and the user side and the merchant side are in internet data communication; make the security of information more reasonable, set up fund deposit and management server simultaneously, realize the matching of each information in the three block chain through fund deposit and management server, realize the safety of information and the anti-channeling of information, the unified supervision and the safe supervision of fund have been ensured, after proposing the request of cash withdrawal to user side and merchant end in addition, need carry out the comparison of corresponding information on the block chain, can accomplish the account transfer after realizing that the information comparison succeeds, the mismatch of information has been avoided, and other network security problems lead to, the cash withdrawal flow.

Drawings

FIG. 1 is a schematic block diagram of the system of the present invention;

FIG. 2 is a schematic diagram of a client and a banking system according to the present invention;

fig. 3 is a schematic diagram of the merchant terminal and the banking terminal system of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Referring to fig. 1 to 3, the present invention provides a technical solution: a fund account compliance processing system comprises a user side, a bank side, a merchant side and a recording depositor side, wherein a first block chain network is arranged between the user side and the bank side, a second block chain network is arranged between the bank side and the merchant side, a third block chain network is arranged between the bank side and the recording depositor side, and the user side and the merchant side are in internet data communication;

the transaction record information storage platform is used for storing transaction information between the user end and the merchant end in the first block chain network and the transaction information between the user end and the merchant end in the second block chain network in a manner that the transaction information is compared and processed at the bank end and is the same, and the transaction information is stored in an encrypted manner through a public key and private key processing module of the third block chain network;

The method for realizing the communication between the user side and the bank side and between the user side and the merchant side comprises the following steps:

(5) after the user finishes fund recharging, the user communicates with a merchant transaction platform through a mobile phone APP and conducts commodity transaction, meanwhile, the merchant transaction platform compares the price of the transaction commodity with the data of the amount of money in the mobile phone APP of the user to judge whether the amount of money of the user is sufficient or not, if the amount of money is not sufficient, a transaction termination prompt is returned, if the amount of money of the user is judged to be sufficient, the transaction is successful, and transaction record information with user real-name account information, transaction amount and account information of the transaction merchant is generated;

The method for realizing the communication between the business terminal and the bank terminal and between the user terminal and the business terminal comprises the following steps:

The communication realization method among the user terminal, the bank terminal, the business terminal and the record storage terminal comprises the following steps:

(2) a merchant registers a real-name account of merchant information on a merchant transaction platform through a merchant registration module, binds a merchant private bank card with the registered merchant real-name account through a cash withdrawal module, and shelves and updates the merchant information of the merchant on the merchant transaction platform through the real-name account;

(10) after the successful transaction record is successfully linked, the fund deposit and management server subtracts the data of the transaction amount and the data of the recharge amount of the user in the first block chain network to generate new user existing amount data, and links the amount data to the first block chain network, so that the user mobile phone APP can check the existing account amount through the first block chain network; meanwhile, the fund deposit and management server adds the transaction amount data to the existing amount data of the merchant to generate new merchant existing amount data, and links the amount data to a second block chain network, so that the merchant can check the existing account amount in the merchant transaction platform through the second block chain network;

The encryption algorithms in the first blockchain network, the second blockchain network, and the third blockchain network are composed of the same encryption algorithm.

Or the encryption algorithms in the first block chain network, the second block chain network and the third block chain network are composed of different encryption algorithms; the encryption algorithm includes but is not limited to Keccak Hash algorithm, symmetric encryption algorithm AES-128, and asymmetric encryption algorithm RSA.

According to the technical scheme, when the user and the commercial tenant are citizens, the real-name authentication of the user and the real-name authentication of the commercial tenant are checked and determined through a citizen identity system of a public security bureau;

when the commercial tenant is a commercial tenant, the commercial tenant is checked and determined through a commercial tenant management system;

when the private bank card of the user is bound with the private account of the user, citizen information binding is adopted, and a secret-free transaction protocol between the private bank card of the user and the fund deposit and management account in the Unionpay system is signed;

when the private bank card of the merchant is bound with the private account of the merchant, the merchant information is bound, and simultaneously a secret-free transaction protocol between the private bank card of the merchant and the fund deposit management account in the Unionpay system is signed;

through the signing of the agreement, the private bank card can only exchange with the fund deposit and management account, and the interference of external information on a unionpay system or the loss of user information and the influence on fund exchange safety caused by the communication through the external internet in the fund transfer process are avoided.

In addition, in order to ensure the safety and stability of the transaction record information stored in the third block chain network, the transaction record information linked to the third block chain network can be set in the fund storage and management server, the transaction record information is firstly concatenated after the transaction record information through the character string of the first block chain public key and the second block chain public key, then the transaction record information is encrypted and linked to the third block chain network for storage, namely, the virtual information linked to the third block chain is the character string comprising the real transaction record information, the first block chain public key character string and the second block chain public key character string, when the fund storage and management server needs to extract the information, the virtual information is firstly decrypted through the third block chain network, and then the first block chain public key character string and the second block chain public key character string are eliminated, so that the real transaction record information is obtained, and the information is summarized.

In addition, in order to achieve centralized processing of the fund deposit and management server and distributed processing of the whole system, the fund deposit and management server only carries out processing and comparison matching of information and does not carry out long-time storage of transaction records, so that after the current recharging, cash withdrawal or transaction is completed and the information is successfully linked to the corresponding block chain, the fund deposit and management server automatically deletes all processing information stored in the processing process, and information redundancy and information storage leakage are avoided.

Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.

Claims

1. A system for compliance processing of a funding account, comprising: the system comprises a user side, a bank side, a merchant side and a recording storage pipe end, wherein a first block chain network is arranged between the user side and the bank side, a second block chain network is arranged between the bank side and the merchant side, a third block chain network is arranged between the bank side and the recording storage pipe end, and the user side and the merchant side are in internet data communication;

the user side is a mobile phone APP side which comprises an account registration module, a recharging and cashing module, a public key and private key processing module of a first block chain network,

the transaction record information storage platform is used for storing the determined transaction information encrypted by the public key and private key processing module of the third block chain network; the determined transaction information is the transaction information between the user terminal and the merchant terminal in the first blockchain network and the transaction information between the user terminal and the merchant terminal in the second blockchain network are compared at the bank terminal, and then the consistent transaction information between the user terminal and the merchant terminal is compared;

the fund deposit and management server is used for processing the fund of the fund deposit and matching the information of the first block chain network, the second block chain network and the third block chain network, the fund deposit and management account is used for unified deposit and management of all the user recharge funds, and the fund deposit and management account is in transaction butt joint with the private bank card of the user and the private bank card of the merchant.

2. The system of claim 1, wherein the account number compliance processing system is further configured to: the method for realizing the communication between the user side and the bank side and between the user side and the merchant side comprises the following steps:

(3) the fund deposit management server decrypts the received information, conducts bank transaction on the fund deposit management account and the private bank card of the user, judges whether the fund extracted by the full amount exists in the private bank card of the user or not, when the fund in the private bank card of the user is insufficient, the fund deposit management account feeds back the insufficient amount of the private bank card of the user through a bank system, the fund deposit management server transmits the insufficient amount information to a mobile phone APP end of the user through a first block chain network for prompting, and ends the fund recharging process, when the fund in the private bank card of the user is full, the fund deposit management account extracts the fund of the amount recharged by the user from the private bank card of the user, and then the withdrawn fund is bound with the real-name account of the user and linked to the first block chain network by the fund deposit management server;

(4) the user can check the owned recharging amount in the first block chain network through the mobile phone APP terminal;

(6) the mobile phone APP terminal of the user transmits the transaction record information to a fund storage and management server through a first blockchain network, and the fund storage and management server decrypts and identifies the user real-name account information, the transaction amount and the account information of the transaction merchant in the transaction record;

(9) the fund deposit management server decrypts according to the received information, matches and judges the decrypted information with the existing amount data of the user in the first block chain network, when the existing amount data of the user is judged to be smaller than the withdrawal amount data, the fund deposit management server feeds back prompt information with insufficient amount, transmits the prompt information to the mobile phone APP end of the user through the first block chain network for prompting, and simultaneously terminates the withdrawal flow, when the existing amount data of the user is judged to be larger than or equal to the withdrawal amount data, the fund deposit management server initiates the withdrawal flow, carries out bank transaction between the fund deposit management account and the private bank card of the user, transfers the user withdrawal amount in the fund deposit management account into the private bank card of the user, and after the transfer transaction is completed, the fund deposit management server deducts the withdrawal amount data and the existing amount data of the user in the first block chain network to generate new existing amount data of the user, and the new amount data is linked to the first block chain network, and the user mobile phone APP can check the new account amount through the first block chain network.

3. The system of claim 1, wherein the account number compliance processing system is further configured to: the method for realizing the communication between the business terminal and the bank terminal and between the user terminal and the business terminal comprises the following steps:

(5) when a merchant needs to extract the charged account funds into a private bank card of the merchant, the merchant inputs the amount of money to be charged through a cash withdrawal interface of a merchant transaction platform, and the data of the amount of money to be charged, the information of the merchant real-name account and the information of the user private bank card bound with the merchant real-name account are transmitted to a fund deposit and management server in an encrypted manner through a second block chain network;

4. The system of claim 1, wherein the account number compliance processing system is further configured to: the communication realization method among the user terminal, the bank terminal, the business terminal and the record storage terminal comprises the following steps:

(12) the fund deposit and management server decrypts according to the received user cash withdrawal information, matches and judges the decrypted information with the current amount data of the user in the first block chain network, feeds back prompt information with insufficient amount when judging that the current amount data of the user is smaller than the cash withdrawal amount data, transmits the prompt information to a mobile phone APP end of the user through the first block chain network for prompting, and simultaneously terminates the cash withdrawal process; when the existing amount data of the user is judged to be more than or equal to the withdrawal amount data, the fund deposit management server extracts all transaction record information of the user after the last withdrawal operation in the third block chain network, simultaneously extracts the total amount information of the fund amount and the recharge amount stored by the user after the last withdrawal operation in the first block chain network and before the last withdrawal operation, matches and subtracts the two information through the fund deposit management server to generate the existing amount data, matches and judges the generated existing amount data and the existing amount data of the user in the first block chain network, outputs a user fund doubt prompt when the amount data are judged to be different, the user needs to carry out fund amount with the fund deposit management party, when the amount data are matched to be the same, the fund deposit management server initiates a withdrawal flow, and carries out bank transaction on a private fund deposit management account and a user bank card, transferring the user withdrawal amount in the fund deposit and management account into a private bank card of the user, after completing the transfer transaction, deducting the data of the withdrawal amount and the existing amount data of the user in a first block chain network by a fund deposit and management server to generate new user existing amount data, and chaining the new amount data into the first block chain network, wherein a user mobile phone APP can check the new account amount through the first block chain network;

5. The system of claim 1, wherein the account number compliance processing system is further configured to: the encryption algorithms in the first blockchain network, the second blockchain network, and the third blockchain network are composed of the same encryption algorithm.

6. The system of claim 1, wherein the account number compliance processing system is further configured to: the encryption algorithms in the first blockchain network, the second blockchain network, and the third blockchain network are composed of encryption algorithms different from each other.

7. A system for handling funds account compliance according to claim 5 or claim 6, wherein: the encryption algorithm includes but is not limited to Keccak Hash algorithm, symmetric encryption algorithm AES-128, and asymmetric encryption algorithm RSA.