CN113450093B - Real-time consensus authentication method and system for digital change wallet based on cone block chain - Google Patents
Real-time consensus authentication method and system for digital change wallet based on cone block chain Download PDFInfo
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- CN113450093B CN113450093B CN202110761089.3A CN202110761089A CN113450093B CN 113450093 B CN113450093 B CN 113450093B CN 202110761089 A CN202110761089 A CN 202110761089A CN 113450093 B CN113450093 B CN 113450093B
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- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a real-time consensus authentication method and a real-time consensus authentication system for a digital change wallet based on a cone block chain, wherein the method comprises the following steps: a user client digital change wallet of the integrated witness and identity card mobile terminal sends a request for applying opening of a digital change wallet account to an account of an account opening bank of a commercial bank; comparing and verifying the living organism information retained by the user, and if the verification is passed, sending the authentication passing information to a commercial bank; the commercial bank allows opening the digital change wallet account under the account of the bank of account opening; the opening of the digital change wallet and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet are automatically executed through a cone block chain intelligent contract; and acquiring transaction data information in the transaction service, and pushing the transaction data information to the cone block chain network for consensus in real time. The invention forms consensus through broadcasting, and the government can monitor the fund flow direction of the digital wallet account in real time, thereby realizing traceability of digital change and high response and high concurrency of bank settlement payment.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a digital change wallet real-time consensus authentication method and system based on a cone block chain.
Background
The block chain is essentially an open source distributed account book, is a core technology of bit currency and other virtual currency, can efficiently record transactions of buyers and sellers, and ensures that the records are verifiable and permanently stored. Meanwhile, the block chain has the characteristics of decentralization, disintermediation, information transparency, incapability of tampering, safety and the like. The block chain has the problems of no government supervision, low safety and the like.
The payment of the third party of the payment bank and the WeChat weakens the control force of the RMB, so that the digital currency issued by the RMB and an electronic payment tool (DCEP) are shuffled again at one time, the commercial bank and the payment bank are standing on the same starting line, and the position of the RMB is favorably consolidated. In addition, the cost of each link of printing, returning, storing, anti-counterfeiting and the like is high due to the issuing of paper money and coins, and the carrying is inconvenient. DCEP is in line with the trend of the times, and can accelerate the internationalization of RMB.
The digital money M0 is the money in circulation. The savings deposit of the commercial bank is part of M1, and together with M0, constitutes M1. They are not identical in nature. After the digital currency is issued, the digital currency is extracted from the bank into a mobile phone (other carriers such as an entity card supporting NFC, a smart watch, a bracelet and the like) and is not a bank deposit any longer, and the same property is that the bank deposits are taken out from a counter and an ATM of the bank into a wallet, and the bank deposits (short-term debt) and credits (short-term assets) are correspondingly required in financial statements of the bank. This behavior is completely different from the electronic purse for transferring WeChat and Payment, and for the bank, the bank just transfers the deposit into the current account of the enterprise, the deposit M1 of the commercial bank becomes a part of the generalized currency supply amount M2, and the financial statement is the debit deposit (short-term liability) and the credit deposit (short-term liability). The withdrawal of digital currency means a reduction in the size of the liability of the bank assets. The purse transferred to the third party payment does not affect the size of the liabilities. If a large amount of digital money is extracted from a bank to an electronic wallet in a short period, the phenomena of squeezing and time delay are caused, the problem of low transaction concurrency exists, the scenario that the digital money is most applied is retail, and high concurrency is a technical problem which needs to be solved urgently for bank digital change payment.
Disclosure of Invention
In order to solve the technical problems, the invention provides a method and a system for real-time consensus authentication of a digital change wallet based on a cone block chain, which are used for solving the problems of delayed payment and low concurrency of commercial bank settlement and the problems of supervision and traceability of a digital change account in the prior art.
In order to achieve the purpose, the technical scheme of the invention is as follows:
the cone block chain is provided with an authentication block, a commercial bank and a civil bank, wherein the authentication block comprises a human-machine-in-one authentication block, a personal identity authentication block and a legal identity authentication block, a commercial bank electronic identity account of a person or a legal person is arranged under the commercial bank, namely an account of an open bank, a commercial bank digital change wallet account and a commercial bank digital change management account, a human bank cash preparation account and a human bank digital change management account are arranged under the civil bank, and the client-side digital change wallet and the commercial bank digital change wallet account are identified together through cone block chain consensus algorithm information; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the accounts of the digital change purses of the bank of the commercial bank; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the digital change management account of the bank; the bank cash withdrawal reserve money account is a cash withdrawal reserve money account, the total amount of the cash withdrawal reserve money account is regulated and controlled by the people bank in real time according to daily, weekly and monthly cash withdrawal amounts, and when the total amount of the cash withdrawal reserve money of the bank cash withdrawal reserve money account is larger than the total amount of the digital change management account of the commercial bank, the digital change wallet account of the commercial bank can be withdrawn; the full process of the pedestrian digital change management account supervises all bank change wallet accounts in real time, and the method comprises the following steps:
a user client digital change wallet of the integrated mobile terminal of the witness machine sends a request for applying opening a digital change wallet account to an account of an account opening bank of a commercial bank;
comparing and verifying the living organism information retained by the user, and if the verification is passed, sending the authentication passing information to a commercial bank;
the commercial bank allows the opening of the digital change wallet account under the account opening bank account, and the digital change wallet is embedded in the witness-machine-integrated mobile terminal with the NFC function;
the opening of the digital change wallet and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet are automatically executed through a cone block chain intelligent contract;
and acquiring transaction data information in the transaction service, and pushing the transaction data information to the cone block chain network for consensus in real time.
Preferably, the method further comprises the following steps:
sending an authentication request to an authentication block;
and the authentication block receives the authentication request, performs identity authentication on the user, and allows the user to log in a user client digital change wallet of the combined people-card-machine mobile terminal if the identity authentication is passed.
Preferably, the cash withdrawal business based on the digital change wallet specifically comprises the following steps:
after a user passes the authentication of the human-computer integrated authentication block and the personal identity authentication block/legal identity authentication block at the client-side digital change wallet of the human-computer integrated mobile terminal, sending a cash withdrawal request to a commercial bank electronic identity account bound with the digital change wallet and inputting the cash withdrawal amount;
sending a cash withdrawal request to a commercial bank electronic identity account bound with a digital change wallet at a client-side digital change wallet of the human-card-machine integrated mobile terminal and inputting the cash withdrawal amount;
the commercial bank electronic identity account carries out real-time verification on the retained biometric identification combination of the user of the requesting personal card client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is larger than or equal to the withdrawal amount, the withdrawal amount is extracted from the bound digital change wallet account of the client;
the commercial bank electronic identity account extracts the withdrawal amount and broadcasts the withdrawal information to the bank withdrawal reserve money account and the commercial bank digital change wallet management account, the commercial bank digital change wallet account receives the withdrawal amount and broadcasts the withdrawal information to the commercial bank digital change wallet management account and the client digital change wallet, and the client digital change wallet updates the balance to ensure that the balance of the client digital change wallet is consistent with the commercial bank electronic identity account;
the commercial bank digital change wallet management account receives the broadcast consistent information of the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts the information to the personnel digital change management account and the personnel cash withdrawal preparation account;
after the bank cash withdrawal reserve account receives the broadcast information that the commercial bank electronic identity account is consistent with the commercial bank digital change management account, the bank cash withdrawal reserve account is automatically transferred to the bank digital change management account for cash withdrawal;
and after the digital change management account of the bank receives the consistent information broadcast by the digital change management account of the bank cash withdrawal preparation account and the digital change management account of the commercial bank, updating the balance of the digital change management account of the bank cash withdrawal, and finishing cash withdrawal.
Preferably, the payment includes a networked payment and a offline payment.
Preferably, the networked payment service based on the digital change wallet specifically comprises the following steps:
after the digital change wallet of the payee client passes the authentication of the people-card-machine integrated authentication block and the personal identity authentication block/legal identity authentication block, opening a payment two-dimensional code or an NFC induction code of the wallet client;
after the digital change wallet of the user client passes through the authentication block integrated by the people and the card machine and passes authentication with the personal identity authentication block/the legal identity authentication block, the digital change wallet of the client is opened and the payment two-dimensional code of the digital change wallet of the payee is scanned or the NFC induction code of the payee is directly induced by the NFC integrated by the mobile terminal integrated by the card machine;
the user acquires account information of a payee, inputs transfer amount, performs biometric identification combined authentication retained by the client-side digital change wallet, judges whether the balance of the client-side digital change wallet is not less than the transfer amount after the authentication is passed, if so, transfers the transfer amount to the client-side digital change wallet of the payee, and simultaneously broadcasts information to a commercial bank digital change wallet account and a bank digital change management account; if not, automatically switching to the cash withdrawal service;
the user bank digital change wallet account changes balance, and transfers the transaction information to the user commercial bank digital change management account and the payee commercial bank digital change wallet account;
after the digital change wallet account of the payee commercial bank receives the transfer transaction information broadcast by the digital change wallet of the payee client and the digital change wallet account of the user commercial bank, the data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the payee commercial bank and the digital change wallet of the payee client;
after the digital change management account of the commercial bank of the user receives the transfer transaction information of the digital change wallet account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee, the account data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the bank;
and the digital change management account of the bank receives the transfer transaction information of the digital change management account of the commercial bank of the user and the digital change management account of the commercial bank of the payee, and then automatically updates the information of the digital change management account of the bank, so that the payment is completed.
Preferably, the offline payment service based on the digital change wallet specifically comprises the following steps:
after the user passes the authentication of the witness and identity card integrated mobile terminal, opening the wallet client to sense the NFC sensing code provided on the payee witness and identity card integrated mobile terminal;
the method comprises the steps that a user obtains a payee client-side digital change wallet identification address and an account address of an opening bank wallet through induction, the payment amount needing to be transferred to a payee is input, biological living body information verification and/or password authentication are/is carried out on the user, after the authentication is passed, the payee induces a user payment code through the NFC of the client-side wallet, the payee client-side digital change wallet obtains NFC induction transfer information, and offline digital change to be received is generated;
when the user and the witness and machine integrated mobile terminal of the payee are both in a networking state, the digital change wallet of the user client automatically executes the information broadcast of the account to be transferred, the commercial bank and the people bank account are automatically updated after the broadcast, and the offline payment is completed.
Preferably, the account information includes a client digital change wallet identification address and an account address of an opening bank wallet.
Preferably, the unloading service based on the digital change wallet specifically includes the following steps:
after the authentication of the human-machine integrated block and the authentication of the personal identity authentication block, entering a wallet client of the human-machine integrated mobile terminal, selecting change transfer, inputting the amount of the transferred digital change, wherein the amount of the transferred digital change is less than or equal to the balance of the wallet, performing combined authentication of the retained biological identification information of wallet payment, and sending an account opening bank digital change wallet account and a bound bank account after the authentication is passed;
the method comprises the steps that data of a digital change wallet account of a commercial bank are automatically updated, a bound electronic identity account of the commercial bank transfers and stores digital change amount, the digital change amount is broadcast and sent to a digital change management account of the commercial bank, the electronic identity account of the commercial bank transfers and stores the digital change amount, and the digital change amount is broadcast and sent to a bank cash withdrawal reserve account and a digital change management account of the commercial bank;
the commercial bank digital change management account receives the consistent broadcast transfer information of the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates data, and broadcasts and sends the data to the bank digital change management account and the bank cash withdrawal reserve account;
and the bank digital change management account receives the automatic updating data of the consistency transfer information of the commercial bank digital change management account and the bank cash withdrawal reserve account, the bank cash withdrawal reserve account receives the automatic updating data of the electronic identity account transfer information of the commercial bank and the digital change management account transfer information of the commercial bank, and the digital change transfer operation of the commercial bank digital change wallet is completed.
The digital change wallet real-time consensus authentication system based on the cone block chain comprises a processor, a machine-readable storage medium and a network interface, wherein the machine-readable storage medium, the network interface and the processor are connected through a bus system, the network interface is used for being in communication connection with an authentication block, a commercial bank and a people bank, the machine-readable storage medium is used for storing programs, instructions or codes, and the processor is used for executing the programs, the instructions or the codes in the machine-readable storage medium so as to execute any one of the above digital change wallet real-time consensus authentication methods based on the cone block chain.
Based on the technical scheme, the invention has the beneficial effects that: according to the invention, the digital change wallet is opened, and transaction services such as cash withdrawal, payment and transfer are carried out based on the digital change wallet, generated transaction service data information is linked and stored in real time through a commercial bank electronic identity account of a person or a legal person, a client-side digital change wallet, a commercial bank digital change wallet account, a commercial bank digital change management account, a personnel cash withdrawal reserve money account and a personnel digital change management account node, consensus is formed at the associated node through broadcasting, a government can monitor the fund flow direction of the digital change wallet account in real time, and the fast and high concurrence of digital change traceability and bank settlement payment response are realized.
Drawings
The following describes embodiments of the present invention in further detail with reference to the accompanying drawings.
Fig. 1 is a flow chart of opening a client digital change wallet in a cone block chain-based digital change wallet real-time consensus authentication method in an embodiment;
FIG. 2 is a flow diagram of the presentation service in the method for real-time consensus authentication of digital change wallets based on cone blockchains in one embodiment;
FIG. 3 is a flow diagram of networked payment services in a cone blockchain based digital change wallet real-time consensus authentication method in one embodiment;
FIG. 4 is a flow diagram of offline payment services in a method for cone blockchain based real-time consensus authentication of digital change wallets in one embodiment;
FIG. 5 is a flow diagram of a transfer service in a method for real-time consensus authentication of digital change wallets based on cone blockchains in one embodiment;
fig. 6 is a block diagram of the digital change wallet real-time consensus authentication system based on the cone block chain in one embodiment.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
As shown in fig. 6, the present invention provides a real-time consensus authentication method for a digital change wallet based on a cone block chain, which is applied to a people-machine-in-one mobile terminal of the cone block chain, wherein an authentication block, a commercial bank (and a related organization with a strength up to standard) and a people bank are deployed on the cone block chain, wherein the authentication block comprises a people-machine-in-one authentication block, a personal identity authentication block and a legal identity authentication block, a commercial bank electronic identity account (an account of an account opening bank), a commercial bank digital change wallet account and a commercial bank digital change management account of a person or a legal person are set under the commercial bank, and a people bank provision account and a people digital change management account are set under the people bank.
The electronic identity account of the commercial bank of the individual or the legal person is equivalent to an account of an account opening bank, the change of the digital change wallet account of the commercial bank can be transferred to the electronic identity account of the bank of the individual or the legal person in real time, and the amount of the electronic identity account of the commercial bank of the individual or the legal person can be brought back to the electronic identity wallet account of the commercial bank;
the digital change wallet account of the commercial bank stores the total amount of the digital change of the bank and can transfer money with the digital change wallet account;
the digital change management account of the commercial bank manages the digital change sum of the bank and supervises the flow direction of the digital change of the bank, and the digital change flow direction is consistent with the sum of the digital change management account of the bank;
the bank cash withdrawal reserve money account is a cash withdrawal reserve money account, and is used for regulating and controlling the account amount in real time according to the cash withdrawal amount counted in real time every day, week and month by the people bank; and receiving the change of the sum of the commercial bank digital change management account and the change of the total amount of the pedestrian digital change management account, wherein if the total amount of the commercial bank digital change management account and the total amount of the pedestrian digital change management account are increased, the total amount of the pedestrian cash withdrawal reserve account is reduced, and the reduction amount of the total amount of the pedestrian cash withdrawal reserve account is consistent with the total amount of the pedestrian digital change management account.
The digital change management account of the people's bank is in consensus with the digital change wallet account of the commercial bank and the reserve money account of the people's bank, and is used for monitoring the flow of the digital change accounts of all the commercial banks.
The client-side digital change wallet is embedded in a human-machine-integrated mobile terminal with an NFC function, and the human-machine-integrated mobile terminal is respectively connected with a human-machine-integrated authentication block, a personal identity authentication block and a legal identity authentication block, and a commercial bank electronic identity account of an individual or legal person and a commercial bank digital change wallet account;
the human-card-machine integrated authentication block, the personal identity authentication block and the legal identity authentication block are respectively connected with an electronic identity account of a commercial bank of a person or a legal person; a commercial bank electronic identity account of an individual or legal person is connected to a bank cash register account.
The identity verification of an individual or a legal person needs to pass the authentication of a cone block chain person-card machine-integrated authentication block, an individual identity authentication block/legal person identity authentication block, and then a digital change wallet, cash withdrawal, transfer, payment and the like can be applied to a cone block chain terminal client.
The electronic identity account of the commercial bank of the individual or the legal person and the digital change wallet achieve consensus through cone block chain three-dimensional network architecture information, the transaction information consensus of the bank cash withdrawal reserve account and the bank digital change management account is consistent, and the transaction information consensus of the commercial bank digital change management account and the bank digital change management account is consistent. The commercial bank digital change management account is in agreement with the commercial bank digital change wallet account transaction corresponding to the individual or legal person.
The client-side digital change wallets and the commercial bank digital change wallet accounts are identified by the cone block chain identification algorithm information; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the accounts of the digital change purses of the bank of the commercial bank; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the digital change management account of the bank; the consensus of each node is broadcasted at the nodes associated with the pyramidal area block chain through a P2P broadcasting mechanism, and the broadcast information is stored in the consensus.
The consensus algorithm of the invention performs consensus among the associated nodes, can save cost, improve consensus efficiency, and perform broadcasting and consensus storage in real time, thereby realizing fast response of bank settlement and payment, reducing time delay and improving transaction efficiency.
The commercial bank electronic identity account (bank account) of the individual or the legal person is generated by encrypting the identity information, the biological information and the bank account opening information of the user through a national cryptographic algorithm and is used for identity authentication, and the authentication information is submitted to the cone block chain network for storage in real time, so that the country can conveniently supervise and inquire the personal bank electronic identity account information.
The nodes of the commercial bank electronic identity account, the commercial bank digital change wallet account, the commercial bank digital change management account, the bank cash withdrawal reserve account and the bank digital change management account of the individual or the legal person are connected with each other in a cone block chain, information is stored in a consensus mode, and each wallet flow direction information is stored in a chain mode in real time.
The opening of the digital change wallet and transaction services such as cash withdrawal, payment and transfer based on the digital change wallet are automatically executed through the cone block chain intelligent contract.
The following specifically describes, by taking a user as an individual example, the specific processes of opening the digital change wallet and transaction services such as cash withdrawal, payment and transfer performed based on the digital change wallet.
In one embodiment, as shown in fig. 1, the process of opening the digital change wallet at the witness-machine-integrated mobile terminal client includes:
s101, a user sends an identity authentication request to a human-computer-integrated authentication block and a personal identity authentication block at a human-computer-integrated mobile terminal and sends a request for opening a digital change wallet account to an account of an account opening bank of a commercial bank;
s102, after the authentication of the authentication block integrating the human identity and the evidence machine passes, sending a verification passing result to the personal identity authentication block and the account of the bank where the commercial bank opens an account;
s103, the personal identity authentication block receives the personal cone chain client request and the result of the verification of the combination of the personal identity authentication block and the human-computer authentication, and the comparison and authentication of the biological living body information of the person with the combination of the human-computer authentication are carried out; after the authentication is passed, the information is sent to an account of an account opening bank of the commercial bank;
s104, the commercial bank receives the personal request and the authentication passing messages of the authentication block and the personal identity authentication block integrated with the human-computer, and carries out real-time verification on the biological identification combined information retained by the personal account;
and S105, after the verification is passed, opening a digital change wallet account under the account of the binding and opening bank, downloading the wallet to the witness and machine integrated mobile terminal, successfully opening the digital change wallet, and sending a message to the digital change management account of the commercial bank.
In one embodiment, as shown in fig. 2, the cash withdrawal business based on the digital change wallet performed when the user is an individual specifically includes the following steps:
s201, after a user passes authentication of a human-computer-integrated authentication block and a personal identity authentication block at a client-side digital change wallet of a human-computer-integrated mobile terminal, sending a cash withdrawal request to a commercial bank electronic identity account (an account opening bank account) bound with the digital change wallet and inputting cash withdrawal amount;
s202, the commercial bank electronic identity account carries out real-time verification on the retained biological identification combination of the user of the requesting witness client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is larger than or equal to the withdrawal amount, the withdrawal amount is extracted from the bound digital change wallet account of the client;
s203, the commercial bank electronic identity account extracts the withdrawal amount and broadcasts the withdrawal information to the bank withdrawal reserve money account and the commercial bank digital change wallet management account, the commercial bank digital change wallet account receives the withdrawal amount and broadcasts the withdrawal information to the commercial bank digital change wallet management account and the client digital change wallet, and the client digital change wallet updates the balance to make the balance of the client digital change wallet consistent with the commercial bank electronic identity account;
s204, the commercial bank digital change wallet management account receives the broadcast consistent information of the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts the information to the bank digital change management account and the bank cash withdrawal reserve account;
s205, after the bank cash withdrawal reserve account receives the broadcast information that the commercial bank electronic identity account is consistent with the commercial bank digital change management account, the bank cash withdrawal reserve account automatically transfers the cash withdrawal amount to the bank digital change management account;
and S206, after receiving the broadcast consistent information of the bank cash withdrawal reserve money account and the commercial bank digital change management account, the bank digital change management account updates the balance of the bank digital change management account, and cash withdrawal is completed.
In one embodiment, as shown in fig. 3, the witness-in-one mobile terminal wallet client networking payment process includes:
s301, after the payee wallet client is authenticated to be qualified through the authentication block with the identification card and the identity authentication block, opening a payment two-dimensional code or an NFC induction code of the wallet client;
s302, after the digital change wallet of the user client side passes identity authentication of the human-computer integrated block and the personal identity block, the wallet client side is opened, and the payment two-dimensional code of the digital change wallet of the payee side is scanned or the NFC induction code of the payee side is directly induced by the NFC of the mobile terminal of the human-computer integrated;
s303, the user acquires account information of a receiver, inputs transfer amount, performs combined biometric authentication retained by the client digital change wallet, and transfers the transfer amount to the receiver client digital change wallet after the authentication is passed (when the balance of the user digital change wallet is more than or equal to the transfer amount), and broadcasts information to the commercial bank digital change wallet account and the bank digital change management account;
s304, the balance of the digital change wallet account of the user bank is changed, and transfer transaction information is sent to the digital change management account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee;
s305, after the digital change wallet account of the commercial bank of the receiver receives the broadcast transfer transaction information of the digital change wallet of the client of the receiver and the digital change wallet account of the commercial bank of the user, the data is automatically updated, and the broadcast transfer transaction information is simultaneously broadcast to the digital change management account of the commercial bank of the receiver and the digital change wallet of the client of the receiver;
s306, after the digital change management account of the commercial bank of the user receives the transfer transaction information of the digital change wallet account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee, the account data is automatically updated, and the transfer transaction information is broadcasted to the digital change management account of the bank of people;
and S307, after receiving the transfer transaction information of the digital change management account of the commercial bank of the user and the digital change management account of the commercial bank of the payee, the digital change management account of the bank automatically updates the information of the digital change management account of the bank, and the payment is finished.
If the balance of the digital change wallet of the user client is less than the transfer amount, the user client can automatically cash out the bound account, and the cash-out flow is the same as the above.
In one embodiment, as shown in fig. 4, the offline payment service based on the digital change wallet, that is, payment under the condition that the user and the witness-machine-integrated mobile terminal of the payee are offline on one side and both sides, specifically includes the following steps:
s401, after the user passes authentication of the witness and identity card integrated mobile terminal, opening a wallet client to sense an NFC sensing code provided on the payee witness and identity card integrated mobile terminal;
s402, a user obtains a payee client digital change wallet identification address and an account address of an opening bank wallet through induction, a payment amount needing to be transferred to a payee is input, biological living body information verification and/or password authentication are/is carried out on the user, after the authentication is passed, the payee induces a user payment code through the NFC of the client wallet, the payee client digital change wallet obtains NFC induction transfer information, and offline digital change to be received is generated;
and S403, when the user and the witness and machine integrated mobile terminal of the payee are both in a networking state, the digital change wallet of the user client automatically executes the information broadcast of the to-be-transferred account, the commercial bank and the people bank account are automatically updated after the broadcast, and the offline payment is completed.
In one embodiment, as shown in fig. 5, the process of transferring the digital change of the bank digital change wallet into the bank account includes:
s501, entering a wallet client of an authentication machine integrated mobile terminal after authentication of a human-card machine integrated block and authentication of a personal identity authentication block, selecting change transfer, inputting the amount of the transferred digital change, wherein the amount of the transferred digital change is less than or equal to the balance of the wallet, performing combined authentication of biological identification information retained in wallet payment, and sending an account-opening bank digital change wallet account and a bound bank account after authentication is passed;
s502, automatically updating data of a digital change wallet account of a commercial bank, transferring the digital change amount to a bound electronic identity account of the commercial bank, broadcasting to a digital change management account of the commercial bank, transferring the digital change amount to the electronic identity account of the commercial bank, and broadcasting to a bank cash withdrawal reserve account and a digital change management account of the commercial bank;
s503, the commercial bank digital change management account receives the consistency broadcast transfer information of the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates data, and broadcasts and sends the information to the pedestrian digital change management account and the pedestrian cash withdrawal reserve account;
s504, the bank digital change management account receives the automatic updating data of the consistency transfer information of the commercial bank digital change management account and the bank cash withdrawal preparation account, the bank cash withdrawal preparation account receives the automatic updating data of the transfer information of the commercial bank electronic identity account and the transfer information of the commercial bank digital change management account, and the digital change transfer operation of the commercial bank digital change wallet is completed.
It should be noted that, the cash withdrawal business based on the digital change wallet is that when the bank account is withdrawn to the bank digital change wallet, the cash withdrawal is verified through the biological information retained in the bank, and when the bank digital change wallet is transferred to the bank account, the verification is performed through the biological information retained in the wallet payment.
It should be noted that the invention realizes the intelligent conversion between the digital currency M0 and the deposit M1 in the bank account, and the transaction services such as cash withdrawal, payment and transfer based on the digital change wallet all need to receive the broadcast information of two associated node blocks at the same time to carry out the relevant operation, thereby ensuring the safety and reliability of the digital change wallet account. Before information is uplinked in the pyramidal block chain, the information can be uplinked only by verification. The authentication on the chain belongs to credible authentication, each node participating in the digital change wallet consensus authentication system has trust on the cone block chain as a proof, and the people bank carries out endorsement for technical supervision, so that the safety of fund flow direction is ensured. The encryption of each digital change wallet account is encrypted through a block chain asymmetric encryption algorithm and a digital certificate, so that the safety of account information is ensured in real time.
The above description is only a preferred embodiment of the digital change wallet real-time consensus authentication method and system based on the pyramid block chain disclosed in the present invention, and is not intended to limit the scope of protection of the embodiments of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the embodiments of the present disclosure should be included in the protection scope of the embodiments of the present disclosure.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.
The embodiments in the present specification are all described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Claims (9)
1. The real-time consensus authentication method for the digital change wallet based on the cone block chain is characterized by comprising the following steps: the system comprises a cone block chain, a certificate-machine-in-one mobile terminal, a commercial bank and a people bank, wherein the cone block chain is provided with an authentication block, a commercial bank and a people bank, the authentication block comprises a certificate-machine-in-one authentication block, a personal identity authentication block and a legal identity authentication block, an electronic identity account of the commercial bank, namely an account-opening bank account, a digital change wallet account of the commercial bank and a digital change management account of the commercial bank of a person or a legal person are arranged under the commercial bank, a bank operation fund preparation account and a digital change management account of the person are arranged under the people bank, and a digital change wallet of a client and the digital change wallet of the commercial bank are identified together through cone block chain consensus algorithm information; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the accounts of the digital change purses of the bank of the commercial bank; the total amount of the digital change management account of the commercial bank is consistent with the total amount information of the digital change management account of the bank; the bank cash withdrawal reserve money account is a cash withdrawal reserve money account, the total amount of the cash withdrawal reserve money account is regulated and controlled by the people bank in real time according to daily, weekly and monthly cash withdrawal amounts, and when the total amount of the cash withdrawal reserve money of the bank cash withdrawal reserve money account is larger than the total amount of the digital change management account of the commercial bank, the digital change wallet account of the commercial bank can be withdrawn; the full process of the pedestrian digital change management account supervises all bank change wallet accounts in real time, and the method comprises the following steps:
a user client digital change wallet of the integrated mobile terminal of the witness machine sends a request for applying opening a digital change wallet account to an account of an account opening bank of a commercial bank;
comparing and verifying the living organism information retained by the user, and if the verification is passed, sending the authentication passing information to a commercial bank;
the commercial bank allows the opening of a digital change wallet account under an account of an opening bank, and the digital change wallet is embedded in the witness and opportunity integrated mobile terminal with the NFC function;
the opening of the digital change wallet and the withdrawal, payment and transfer transaction services based on the digital change wallet are automatically executed through a cone block chain intelligent contract;
and acquiring transaction data information in the transaction service, and pushing the transaction data information to the cone block chain network in real time for consensus.
2. The method for authenticating the real-time consensus of the digital change wallet based on the cone block chain as claimed in claim 1, further comprising the steps of:
sending an authentication request to an authentication block;
and the authentication block receives the authentication request, performs identity authentication on the user, and allows the user to log in the user client side digital change wallet of the integrated witness and identity machine mobile terminal if the identity authentication is passed.
3. The method for real-time consensus authentication of digital change purses based on cone blockchains as claimed in claim 1, wherein the cashing business based on the digital change purses specifically comprises the following steps:
after a user passes the authentication of the human-computer integrated authentication block and the personal identity authentication block/legal identity authentication block at the client-side digital change wallet of the human-computer integrated mobile terminal, sending a cash withdrawal request to a commercial bank electronic identity account bound with the digital change wallet and inputting cash withdrawal amount;
the commercial bank electronic identity account carries out real-time verification on the retained biometric identification combination of the user of the requesting personal card client; after the verification is passed, if the account balance of the electronic identity account of the commercial bank is larger than or equal to the withdrawal amount, the withdrawal amount is extracted from the bound digital change wallet account of the client;
the commercial bank electronic identity account extracts the withdrawal amount and broadcasts the withdrawal information to the bank withdrawal reserve money account and the commercial bank digital change wallet management account, the commercial bank digital change wallet account receives the withdrawal amount and broadcasts the withdrawal information to the commercial bank digital change wallet management account and the client digital change wallet, and the client digital change wallet updates the balance to ensure that the balance of the client digital change wallet is consistent with the commercial bank electronic identity account;
the commercial bank digital change wallet management account receives the broadcast consistent information of the commercial bank electronic identity account and the bound digital change wallet account, updates the balance of the management account, and broadcasts the information to the bank digital change management account and the bank cash withdrawal reserve account;
after the bank cash withdrawal reserve account receives the broadcast information that the commercial bank electronic identity account is consistent with the commercial bank digital change management account, the bank cash withdrawal reserve account is automatically transferred to the bank digital change management account for cash withdrawal;
and after receiving the consistent information broadcast by the bank cash withdrawal reserve account and the commercial bank digital change management account, the bank digital change management account updates the balance of the bank digital change management account, and cash withdrawal is completed.
4. The cone block chain-based digital change wallet real-time consensus authentication method as claimed in claim 1, wherein the payments comprise online payments and offline payments.
5. The method for real-time consensus authentication of digital change purses based on cone block chains as claimed in claim 4, wherein the networking payment service based on the digital change purses comprises the following steps:
after the digital change wallet of the payee client passes the authentication block integrated by the people and card machine and passes the authentication with the personal identity authentication block/legal identity authentication block, the payment two-dimensional code or NFC induction code of the wallet client is opened;
after the digital change wallet of the user client passes the authentication block integrated by the people and the card machine and passes the authentication with the personal identity authentication block/the legal identity authentication block, the digital change wallet of the client is opened and the payment two-dimensional code of the digital change wallet of the payee is scanned or the NFC induction code of the payee is directly induced by the NFC of the mobile terminal integrated by the card machine;
the user acquires account information of a payee, inputs transfer amount, performs biometric identification combined authentication retained by the client-side digital change wallet, judges whether the balance of the client-side digital change wallet is not less than the transfer amount after the authentication is passed, if so, transfers the transfer amount to the client-side digital change wallet of the payee, and simultaneously broadcasts information to a commercial bank digital change wallet account and a bank digital change management account; if not, automatically switching to the cash withdrawal service;
the user bank digital change wallet account changes balance, and transfers the transaction information to the user commercial bank digital change management account and the payee commercial bank digital change wallet account;
after the digital change wallet account of the payee commercial bank receives the transfer transaction information broadcast by the digital change wallet of the payee client and the digital change wallet account of the user commercial bank, the data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the payee commercial bank and the digital change wallet of the payee client;
after the digital change management account of the commercial bank of the user receives the transfer transaction information of the digital change wallet account of the commercial bank of the user and the digital change wallet account of the commercial bank of the payee, the account data is automatically updated, and the transfer transaction information is broadcast to the digital change management account of the bank;
and the digital change management account of the bank receives the transfer transaction information of the digital change management account of the commercial bank of the user and the digital change management account of the commercial bank of the payee, and then automatically updates the information of the digital change management account of the bank, so that the payment is completed.
6. The method for real-time consensus authentication of digital change purses based on cone blockchains as claimed in claim 4, wherein the offline payment service based on the digital change purses comprises the following steps:
after the user passes the authentication of the witness and identity card integrated mobile terminal, opening the wallet client to sense the NFC sensing code provided on the payee witness and identity card integrated mobile terminal;
the method comprises the steps that a user obtains a digital change wallet identification address and an account address of an account opening bank wallet of a payee through induction, inputs payment amount needing to be transferred to the payee, and conducts biological living body information verification and/or password authentication on the user, after the authentication is passed, the payee induces a user payment code through NFC of the client wallet, the digital change wallet of the payee obtains NFC induction transfer information, and offline digital change to be received is generated;
when the user and the witness and machine integrated mobile terminal of the payee are both in a networking state, the digital change wallet of the user client automatically executes the information broadcast of the account to be transferred, the commercial bank and the people bank account are automatically updated after the broadcast, and the offline payment is completed.
7. The method of real-time consensus authentication for cone blockchain-based digital change purses as claimed in claim 5, wherein said account information includes a client digital change purse identification address and an account address of an opening bank purse.
8. The method for real-time consensus authentication of digital change purses based on cone block chains as claimed in claim 1, wherein the unloading service based on the digital change purses specifically comprises the following steps:
after the authentication of the people-card-machine integrated block and the authentication of the personal identity authentication block, entering a wallet client of the authentication-machine integrated mobile terminal, selecting change transfer, inputting the amount of the transferred digital change, wherein the amount of the transferred digital change is less than or equal to the wallet balance, performing combined authentication of the biological identification information retained in wallet payment, and sending an account opening bank digital change wallet account and a bound bank account according to a transfer request after the authentication is passed;
the method comprises the steps that data of a commercial bank digital change wallet account are automatically updated, digital change amount is transferred to a bound commercial bank electronic identity account and then transmitted to a commercial bank digital change management account in a broadcasting mode, the commercial bank electronic identity account is transferred to the transferred digital change amount, and the digital change amount is transmitted to a bank cash withdrawal reserve account and a commercial bank digital change management account in a broadcasting mode;
the commercial bank digital change management account receives the consistent broadcast transfer information of the commercial bank digital change wallet account and the bound commercial bank electronic identity account, automatically updates data, and broadcasts and sends the data to the bank digital change management account and the bank cash withdrawal reserve account;
the bank digital change management account receives the automatic updating data of the consistent transfer information of the commercial bank digital change management account and the bank cash withdrawal reserve account, the bank cash withdrawal reserve account receives the automatic updating data of the electronic identity account transfer information of the commercial bank and the transfer information of the commercial bank digital change management account, and the digital change transfer operation of the commercial bank digital change wallet is completed.
9. The system for real-time consensus authentication of the digital change wallet based on the cone block chain is characterized by comprising a processor, a machine-readable storage medium and a network interface, wherein the machine-readable storage medium, the network interface and the processor are connected through a bus system, the network interface is used for being in communication connection with an authentication block, a commercial bank and a people bank, the machine-readable storage medium is used for storing programs, instructions or codes, and the processor is used for executing the programs, the instructions or the codes in the machine-readable storage medium so as to execute the method for real-time consensus authentication of the digital change wallet based on the cone block chain in any one of claims 1-8.
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