CN113469693A - Method, system and nodes for providing service by using mobile terminal based on block chain - Google Patents

Method, system and nodes for providing service by using mobile terminal based on block chain Download PDF

Info

Publication number
CN113469693A
CN113469693A CN202110848469.0A CN202110848469A CN113469693A CN 113469693 A CN113469693 A CN 113469693A CN 202110848469 A CN202110848469 A CN 202110848469A CN 113469693 A CN113469693 A CN 113469693A
Authority
CN
China
Prior art keywords
node
mobile terminal
transaction
user
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202110848469.0A
Other languages
Chinese (zh)
Inventor
朱江波
朱振勇
胡毅
闫宏宇
刘朋强
刘凌
时福林
王艳芳
万荃
余云丹
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202110848469.0A priority Critical patent/CN113469693A/en
Publication of CN113469693A publication Critical patent/CN113469693A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method, a system and nodes for providing service by using a mobile terminal based on a block chain, relating to the field of block chains, wherein the method comprises the following steps: the mobile terminal node acquires user characteristic information when receiving a transaction request without a network, compares the characteristic with a characteristic pre-deployed on the mobile terminal, carries out risk assessment according to the transaction and historical transaction information, signs payment information by using a private key at the moment, and then sends the payment information to the merchant end node in a near field communication mode; the merchant terminal decrypts the signature payment information by using the public key, processes the transaction to obtain a transaction result, and sends the result to the block chain network when the merchant terminal is networked; and the bank end server node updates the historical transaction information of the bank end according to the result, and the mobile terminal node updates the historical transaction information of the node according to the result when the mobile terminal node is networked. The invention can safely provide service for the user based on the block chain under the off-line state of the mobile terminal and the merchant terminal, and improves the user experience.

Description

Method, system and nodes for providing service by using mobile terminal based on block chain
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a method, a system, and nodes for providing services using a mobile terminal based on a blockchain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, under the condition of no network, a mobile terminal cannot be networked, and a merchant terminal cannot be networked, so that the mobile terminal cannot interact with a bank background system, and the service cannot be provided for a customer, so that the transaction behavior of the customer is limited.
Disclosure of Invention
The embodiment of the invention provides a method for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain under the offline state of the mobile terminal and a merchant terminal, wherein service participant nodes form a block chain network and comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the method comprises the following steps that user characteristic information, historical transaction information and a public key of a user are pre-deployed on each service participant node, and comprises the following steps:
when a mobile terminal node receives a transaction request of a user in an unconnected state, acquiring characteristic information of the user, comparing the acquired characteristic information with user characteristic information which is pre-deployed on the mobile terminal node, and if the acquired characteristic information is consistent with the user characteristic information, acquiring historical transaction information of the user; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode;
after receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result to obtain the transaction result, and sends the transaction result to the block chain network when detecting that the merchant end node is in a networking state;
the bank end server node receives the transaction result sent by the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result;
and when the mobile terminal node detects that the mobile terminal node is in a networking state, receiving a transaction result sent through the blockchain network, and updating the historical transaction information of the mobile terminal node according to the transaction result.
The embodiment of the invention also provides a method for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant terminal, wherein service participant nodes form a block chain network, and the service participant nodes comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the method comprises the following steps that user characteristic information, historical transaction information and a public key of a user are pre-deployed on each service participant node, and comprises the following steps:
when a transaction request of a user is received in an unconnected state, acquiring characteristic information of the user;
comparing the acquired characteristic information with user characteristic information which is pre-deployed in a mobile terminal node;
if the comparison is consistent, acquiring historical transaction information of the user;
performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
when the risk assessment result is passed, carrying out digital signature on the payment information in the transaction request by using a private key of the user;
sending the payment information subjected to the digital signature to a merchant end node in a near field communication mode;
when the mobile terminal node is detected to be in the networking state, receiving a transaction result sent through the blockchain network;
and updating the historical transaction information of the mobile terminal node according to the transaction result.
The embodiment of the invention also provides a method for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant terminal, wherein service participant nodes form a block chain network, and the service participant nodes comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the method comprises the following steps that user characteristic information, historical transaction information and a public key of a user are pre-deployed on each service participant node, and comprises the following steps:
receiving payment information after digital signature;
decrypting the digitally signed payment information according to the public key of the user pre-deployed at the merchant end node;
processing the transaction request according to the decryption result to obtain a transaction result of the time;
and sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
The embodiment of the invention also provides a method for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant terminal, wherein service participant nodes form a block chain network, and the service participant nodes comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the method comprises the following steps that user characteristic information, historical transaction information and a public key of a user are pre-deployed on each service participant node, and comprises the following steps:
receiving a transaction result sent through a blockchain network when the merchant end node is detected to be in the networking state;
and updating the historical transaction information of the server node at the bank end according to the transaction result.
The embodiment of the invention also provides a system for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant terminal, and the nodes of service participants form a block chain network, wherein the nodes of the service participants comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the system comprises:
the mobile terminal node is used for acquiring the characteristic information of the user when receiving the transaction request of the user in an unconnected state, comparing the acquired characteristic information with the characteristic information of the user which is pre-deployed on the mobile terminal node, and acquiring the historical transaction information of the user if the comparison is consistent; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode; when the mobile terminal node is detected to be in a networking state, receiving a transaction result sent through a blockchain network, and updating historical transaction information of the mobile terminal node according to the transaction result;
the merchant end node is used for decrypting the payment information after the digital signature is received according to the public key of the user pre-deployed in the merchant end node, processing the transaction request according to the decryption result to obtain the transaction result, and sending the transaction result to the block chain network when the merchant end node is detected to be in a networking state;
and the bank end server node is used for receiving the transaction result sent by the blockchain network and updating the historical transaction information of the bank end server node according to the transaction result.
The embodiment of the invention also provides a mobile terminal node for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant terminal, and service participants form a block chain network, wherein the service participants comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the mobile terminal node comprises:
the first acquisition unit is used for acquiring the characteristic information of the user when receiving a transaction request of the user in an unconnected state;
the comparison unit is used for comparing the acquired characteristic information with the user characteristic information which is pre-deployed in the mobile terminal node;
the query unit is used for acquiring the historical transaction information of the user when the comparison is consistent;
the evaluation unit is used for carrying out risk evaluation on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
the first processing unit is used for digitally signing the payment information in the transaction request by using a private key of a user when the risk assessment result is that the transaction request passes;
the first sending unit is used for sending the payment information subjected to the digital signature to the merchant end node in a near field communication mode;
the first receiving unit is used for receiving a transaction result sent by a blockchain network when the mobile terminal node is detected to be in a networking state;
and the first updating unit is used for updating the historical transaction information of the mobile terminal node according to the transaction result.
The embodiment of the invention also provides a business end node which uses a mobile terminal to provide service based on the block chain, and is used for safely providing service for users based on the block chain using terminal in the off-line state of the mobile terminal and the business end, and the service participant nodes form a block chain network, wherein the service participant nodes comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the merchant end node comprises:
the second acquisition unit is used for receiving the payment information after the digital signature;
the decryption unit is used for decrypting the payment information after the digital signature according to the public key of the user pre-deployed at the merchant end node;
the second processing unit is used for processing the transaction request according to the decryption result to obtain a transaction result of the time;
and the second sending unit is used for sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
The embodiment of the invention also provides a bank end server node for providing service by using a mobile terminal based on a block chain, which is used for safely providing service for a user by using the terminal based on the block chain in an offline state of the mobile terminal and a merchant end, and service participants form a block chain network, wherein the service participants comprise: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the bank server node comprises:
the second receiving unit is used for receiving the transaction result sent by the block chain network when the merchant end node is detected to be in the networking state;
and the second updating unit is used for updating the historical transaction information of the server node at the bank end according to the transaction result.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method for providing a service using a mobile terminal based on a block chain is implemented.
An embodiment of the present invention further provides a computer-readable storage medium storing a computer program for executing the method for providing a service using a mobile terminal based on a block chain.
In the scheme for providing service by using a mobile terminal based on a block chain, the service participant node forms a block chain network, and the service participant node comprises: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the service participant nodes are pre-deployed by the following steps: when a mobile terminal node receives a transaction request of a user in an unconnected state, acquiring characteristic information of the user, comparing the acquired characteristic information with user characteristic information which is pre-deployed on the mobile terminal node, and if the acquired characteristic information is consistent with the user characteristic information, acquiring historical transaction information of the user; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode; after receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result to obtain the transaction result, and sends the transaction result to the block chain network when detecting that the merchant end node is in a networking state; the bank end server node receives the transaction result sent by the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result; when the mobile terminal node detects that the mobile terminal node is in the networking state, the mobile terminal node receives the transaction result sent through the blockchain network, and updates the historical transaction information of the mobile terminal node according to the transaction result, so that the safe service provision for the user based on the blockchain using terminal in the terminal offline state can be realized, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a method for providing a service using a mobile terminal based on a block chain in a system according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for providing services to a mobile terminal based on a block chain in a mobile terminal node according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating a method for providing service using a mobile terminal based on a block chain applied to a merchant end node according to an embodiment of the present invention;
fig. 4 is a flowchart illustrating a method for providing a service using a mobile terminal based on a block chain applied to a server node at a bank end according to an embodiment of the present invention;
fig. 5 is a flowchart illustrating a method for providing a service using a mobile terminal based on a block chain applied to a server node at a bank end according to another embodiment of the present invention;
FIG. 6 is a block chain based system for providing services using a mobile terminal according to an embodiment of the present invention;
FIG. 7 is a block chain based mobile terminal node for providing services using a mobile terminal according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a merchant end node that provides services using a mobile terminal based on a blockchain according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a bank server node for providing services using a mobile terminal based on a blockchain according to an embodiment of the present invention;
fig. 10 is a schematic structural diagram of a bank server node using a mobile terminal to provide services based on a blockchain according to another embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a scheme for providing service by using a mobile terminal based on a block chain, which is characterized in that an edge system and a block chain system are deployed at a bank outlet, so that the service can be provided for a customer under the condition of no network, namely, the block chain and an edge computing system are used, and a hardware terminal (mobile terminal: mobile phone, IPAD and the like) and a merchant terminal in a non-network state can support the transaction of the customer. Specifically, the calculation is performed based on the edge system, the identification and the transaction limitation are performed based on the information of the block chain, and the terminal can provide services for the customer under the limited condition. The scheme for providing services using a mobile terminal based on a block chain will be described in detail below.
As shown in fig. 6, the service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node 01, a bank end server node 03 and a merchant end node 02; fig. 1 is a schematic flow chart of a method for providing a service using a mobile terminal based on a block chain applied to a system in an embodiment of the present invention, where user characteristic information, historical transaction information, and a public key of a user are pre-deployed on each service participant node, and as shown in fig. 1, the method includes the following steps:
step 101: when a mobile terminal node receives a transaction request of a user in an unconnected state, acquiring characteristic information of the user, comparing the acquired characteristic information with user characteristic information which is pre-deployed on the mobile terminal node, and if the acquired characteristic information is consistent with the user characteristic information, acquiring historical transaction information of the user; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode;
step 102: after receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result to obtain the transaction result, and sends the transaction result to the block chain network when detecting that the merchant end node is in a networking state;
step 103: the bank end server node receives the transaction result sent by the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result;
step 104: and when the mobile terminal node detects that the mobile terminal node is in a networking state, receiving a transaction result sent through the blockchain network, and updating the historical transaction information of the mobile terminal node according to the transaction result.
The method for providing the service by using the mobile terminal based on the block chain, which is applied to the system, can realize the safe service provision for the user based on the block chain under the offline state of the mobile terminal and the merchant terminal, and improve the user experience. The individual steps involved in the method are described in detail below.
First, preparation steps before implementing the embodiment of the present invention are described.
The method comprises the steps of deploying a block chain on a bank outlet (a bank end server node) or a terminal (which can be a mobile terminal node of a user or a merchant end node and the like), wherein each node for providing services, such as the mobile terminal node 01, the bank end server node 03, the merchant end node 02 and the like, forms a block chain network, and the block chain stores identity information (user characteristic information) of a client, such as iris characteristic information, fingerprint characteristic information, vein characteristic and the like, and transaction information, such as transaction limit, transaction time, place, payment time information and the like, namely the user characteristic information and historical transaction information are deployed on each service participant node in advance.
Next, the above step 101 is described.
In particular, the bank predicts the time of the customer's offline, the transactions that may be performed (including the transaction amount), and sends the customer profile information and historical transaction information in advance, and the resources used (to satisfy the completion of the transaction) to the customer's mobile terminal. When a customer pays for a merchant node, user characteristic information is compared and offline risk prediction is carried out. The method specifically comprises the following steps:
1. under the condition of no network (that is, under the condition that both the client terminal and the merchant terminal are offline, that is, under the condition that both the client terminal and the merchant terminal are not networked, the transaction safety is guaranteed), that is, when the mobile terminal node receives a transaction request of a user in an unconnected state (for example, the user uses the terminal to purchase a transaction request of a certain financial product of a bank, or purchases a commodity at the merchant), the client (the user) uses identity information pre-arranged on a block chain of the mobile terminal node to perform identity verification, such as face recognition, and after the identity verification passes, the transaction can be performed by using the mobile terminal. The method comprises the steps of acquiring characteristic information of a user, comparing the acquired characteristic information with user characteristic information pre-deployed on a mobile terminal node, determining that the mobile terminal can be used for transaction if the acquired characteristic information is consistent with the user characteristic information, and providing service for the user.
In an embodiment, the method for providing a service using a mobile terminal based on a block chain may further include: when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, the mobile terminal node provides notification information of refusing the transaction request to the user, and the implementation mode further improves the safety of using the mobile terminal to provide services based on the block chain.
2. When the terminal is used for transaction to provide service for customers, various information of the transaction comes from corresponding information of the corresponding customers, such as transaction account numbers, transaction time, transaction limits and the like, which is pre-arranged in a blockchain of the terminal and stored, and then risk assessment can be performed by using the corresponding information.
3. Based on the corresponding information stored in the blockchain by the client and the client information of the transaction, the risk of the client is evaluated, for example, the transaction of the client is limited according to the risk evaluation result, for example, the transaction is rejected when the payment credit of the user is determined to be not good according to the historical transaction information, for example, the credit value is lower than a preset threshold value, that is, in one embodiment, the method may further include: when the risk evaluation result is failure, the mobile terminal node provides notification information of refusing the transaction request to the user, and the implementation mode further improves the safety of using the mobile terminal to provide service based on the block chain; or when the risk evaluation result is that the transaction request passes, the transaction request is processed to obtain the transaction result, namely, the transaction is subjected to risk evaluation according to the transaction information related to the transaction request and the historical transaction information of the user, when the risk evaluation result passes, the payment information in the transaction request is digitally signed by using the private key of the user, the digitally signed payment information is sent to the merchant end node in a close-range communication mode, namely, under the condition that the user characteristic information is compared and the offline risk prediction passes, the user digitally signs the payment information based on the private key of the user, and then the data is sent to the merchant in an NFC or D2D mode.
In addition, the mobile terminal node (hardware terminal) in the embodiment of the invention can have the NFC function, so that the customer can fill in information based on a mobile phone bank. For example, the account information of the mobile phone bank is sent to the hardware terminal (such as a wallet of the hardware terminal) by the client through NFC, or a near field communication mode such as bluetooth or spaced release is also possible, the hardware terminal compares the account password information with the information of the block chain deployed in advance to check the identity, and the information transaction can be performed with the hardware terminal through the back mobile phone bank, for example, the client can fill in transaction information on the mobile phone bank.
Third, next, the above step 102 is introduced.
After receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result, namely, under the condition that the transaction is confirmed to be successful, the payment information of the customer which is subjected to the digital signature is uploaded to the merchant node of the block chain, the transaction result is obtained, and under the condition that the merchant end node is detected to be in the networking state, the transaction result is sent to the block chain network.
In the process of transaction by the customer, all the key information is uploaded to the blockchain, that is, all the transaction results of this time are uploaded to the blockchain, and in this step, the transaction result of this time is actually a record temporarily stored at the merchant end node, which is equivalent to that such a transaction record is temporarily performed (for example, 1000 yuan in the account of the customer a is transferred to the account of the merchant B), and actually, the transaction record is not really valid. Under the condition that the merchant end can be networked, the information (the transaction result) of the blockchain is synchronized to the blockchain network, namely when the merchant end node is detected to be in the networking state, the transaction result is synchronized to the blockchain network, namely the transaction result is sent to a database of a bank background (a bank end server node) and the mobile terminal node through the blockchain network.
Fourth, next, for ease of understanding, the above step 103 and step 104 are described together.
In the specific implementation, in step 103, the bank end server node receives the transaction result sent through the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result, where the transaction is actually completed.
In an embodiment, the method for providing a service using a mobile terminal based on a block chain may further include: after the historical transaction information is updated successfully, the bank end server node sends the transaction result validation information to the block chain network, and each service participant in the block chain network can know that the service is finished formally.
In the specific implementation, in step 104, when the mobile terminal node detects that the mobile terminal node is in the networking state, the mobile terminal node receives the transaction result sent through the blockchain network, and updates the historical transaction information of the mobile terminal node according to the transaction result.
In summary, the scheme for providing services using a mobile terminal based on a blockchain according to the embodiment of the present invention uses a blockchain and an edge computing system (the edge computing may be an execution method in a mobile terminal node or a merchant end node, etc.), so that a hardware terminal without a network state can support a transaction of a customer. Under the condition that the terminal has no network, the client can use the terminal to do transaction. Therefore, the customer can be conveniently served, and the experience of using financial services by the customer is improved.
The embodiment of the invention also provides a method for providing services by using the mobile terminal based on the block chain, which is applied to the mobile terminal node and is described in the following embodiment. Since the principle of the method for solving the problem is similar to the method for providing the service by using the mobile terminal based on the block chain applied to the system, the implementation of the method can refer to the implementation of the method for providing the service by using the mobile terminal based on the block chain applied to the system, and repeated details are omitted.
Fig. 2 is a schematic flow chart of a method for providing a service using a mobile terminal based on a block chain, which is applied to a mobile terminal node according to an embodiment of the present invention, in which a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, as shown in fig. 2, the method comprises the following steps:
step 201: when a transaction request of a user is received in an unconnected state, acquiring characteristic information of the user;
step 202: comparing the acquired characteristic information with user characteristic information which is pre-deployed in a mobile terminal node;
step 203: if the comparison is consistent, acquiring historical transaction information of the user;
step 204: performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
step 205: when the risk assessment result is passed, carrying out digital signature on the payment information in the transaction request by using a private key of the user;
step 206: sending the payment information subjected to the digital signature to a merchant end node in a near field communication mode;
step 207: when the mobile terminal node is detected to be in the networking state, receiving a transaction result sent through the blockchain network;
step 208: and updating the historical transaction information of the mobile terminal node according to the transaction result.
In an embodiment, the method for providing a service using a mobile terminal based on a block chain may further include: and when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, providing notification information of refusing the transaction request to the user.
In an embodiment, the method for providing a service using a mobile terminal based on a block chain may further include: and when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, providing notification information of refusing the transaction request to the user.
The embodiment of the invention also provides a method for providing services by using a mobile terminal based on a block chain, which is applied to the end node of a business, and is described in the following embodiment. Since the principle of the method for solving the problem is similar to the method for providing the service by using the mobile terminal based on the block chain applied to the system, the implementation of the method can refer to the implementation of the method for providing the service by using the mobile terminal based on the block chain applied to the system, and repeated details are omitted.
Fig. 3 is a schematic flowchart of a method for providing a service using a mobile terminal based on a block chain in a merchant end node according to an embodiment of the present invention, where as shown in fig. 3, a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the method for providing service by using the mobile terminal based on the block chain comprises the following steps:
step 301: receiving payment information after digital signature;
step 302: decrypting the digitally signed payment information according to the public key of the user pre-deployed at the merchant end node;
step 303: processing the transaction request according to the decryption result to obtain a transaction result of the time;
step 304: and sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
The embodiment of the invention also provides a method for providing services by using a mobile terminal based on a block chain, which is applied to the server node at the bank end, and is described in the following embodiment. Since the principle of the method for solving the problem is similar to the method for providing the service by using the mobile terminal based on the block chain applied to the system, the implementation of the method can refer to the implementation of the method for providing the service by using the mobile terminal based on the block chain applied to the system, and repeated details are omitted.
Fig. 4 is a schematic flow chart of a method for providing a service using a mobile terminal based on a block chain, which is applied to a server node at a bank end in an embodiment of the present invention, where a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, as shown in fig. 4, the method comprises the following steps:
step 401: receiving a transaction result sent through a blockchain network when the merchant end node is detected to be in the networking state;
step 402: and updating the historical transaction information of the server node at the bank end according to the transaction result.
In an embodiment, as shown in fig. 5, the method for providing a service using a mobile terminal based on a block chain may further include step 403: and after the historical transaction information is updated successfully, the transaction result validation information is sent to the block chain network.
The embodiment of the invention also provides a system for providing services by using the mobile terminal based on the block chain, which is described in the following embodiment. Since the principle of the system for solving the problem is similar to the method applied to the system for providing the service by using the mobile terminal based on the block chain, the implementation of the system can refer to the implementation of the method applied to the system for providing the service by using the mobile terminal based on the block chain, and repeated details are omitted.
Fig. 6 is a schematic structural diagram of a system for providing services using a mobile terminal based on a block chain according to an embodiment of the present invention, where a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, as shown in fig. 6, the system includes:
the mobile terminal node 01 is used for acquiring the characteristic information of a user when receiving a transaction request of the user in an unconnected state, comparing the acquired characteristic information with the characteristic information of the user which is pre-deployed on the mobile terminal node, and acquiring the historical transaction information of the user if the comparison is consistent; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode; when the mobile terminal node is detected to be in a networking state, receiving a transaction result sent through a blockchain network, and updating historical transaction information of the mobile terminal node according to the transaction result;
the merchant end node 02 is used for decrypting the payment information after the digital signature is received according to the public key of the user pre-deployed in the merchant end node, processing the transaction request according to the decryption result to obtain the transaction result, and sending the transaction result to the block chain network when the merchant end node is detected to be in a networking state;
and the bank end server node 03 is configured to receive the transaction result sent through the blockchain network, and update the historical transaction information of the bank end server node according to the transaction result.
In one embodiment, the mobile terminal node may be further configured to provide a notification message of refusal of the transaction request to the user when the risk assessment result is failure.
In one embodiment, the mobile terminal node may be further configured to provide notification information of rejection of the transaction request to the user when the obtained feature information is inconsistent with the user feature information previously deployed at the mobile terminal node.
In an embodiment, the bank end server node may further be configured to send the transaction result validation information to the blockchain network after the historical transaction information is successfully updated.
The embodiment of the invention also provides a mobile terminal node for providing services by using the mobile terminal based on the block chain, which is described in the following embodiment. Since the principle of the mobile terminal node for solving the problem is similar to the method of providing the service by using the mobile terminal based on the block chain applied to the system, the implementation of the mobile terminal node can refer to the implementation of the method of providing the service by using the mobile terminal based on the block chain applied to the system, and repeated details are not repeated.
Fig. 7 is a schematic structural diagram of a mobile terminal node for providing a service using a mobile terminal based on a block chain in an embodiment of the present invention, where a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information, and the public key of the user are pre-deployed on each service participant node, as shown in fig. 7, the mobile terminal node includes:
the first acquisition unit 011 is used for acquiring the characteristic information of a user when receiving a transaction request of the user in an unconnected state;
a comparing unit 012, configured to compare the acquired feature information with user feature information pre-deployed in the mobile terminal node;
the query unit 013 is used for acquiring the historical transaction information of the user when the comparison is consistent;
the evaluation unit 014 is used for performing risk evaluation on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
the first processing unit 015, configured to digitally sign the payment information in the transaction request with a private key of the user when the risk assessment result is that the transaction request passes;
the first sending unit 016 is used for sending the payment information subjected to the digital signature to the merchant end node in a near field communication mode;
a first receiving unit 017, configured to receive a transaction result sent through the blockchain network when the mobile terminal node is detected to be in the networking state;
a first updating unit 018 is configured to update the historical transaction information of the mobile terminal node according to the transaction result.
In one embodiment, the first processing unit may be further configured to provide a notification message of refusal of the transaction request to the user when the risk assessment result is failure.
In one embodiment, the comparing unit may be further configured to provide notification information of a rejection transaction request to the user when the obtained feature information is inconsistent with the user feature information pre-deployed in the mobile terminal node.
The embodiment of the invention also provides a business end node for providing services by using a mobile terminal based on the block chain, and the business end node is described in the following embodiments. Since the principle of the merchant end node for solving the problem is similar to the method applied to the system for providing the service by using the mobile terminal based on the block chain, the implementation of the merchant end node may refer to the implementation of the method applied to the system for providing the service by using the mobile terminal based on the block chain, and repeated details are not repeated.
Fig. 8 is a schematic structural diagram of a merchant end node that provides a service using a mobile terminal based on a block chain in an embodiment of the present invention, where a service participant node forms a block chain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; as shown in fig. 8, the merchant end node comprises:
a second obtaining unit 021, configured to receive the digitally signed payment information;
a decryption unit 022, configured to decrypt the digitally signed payment information according to the public key of the user pre-deployed at the merchant end node;
a second processing unit 023, configured to process the transaction request according to the decryption result to obtain a current transaction result;
and the second sending unit 024 is used for sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
The embodiment of the invention also provides a bank server node for providing service by using the mobile terminal based on the block chain, which is described in the following embodiment. Because the principle of solving the problem of the bank server node is similar to the method for providing the service by using the mobile terminal based on the block chain applied to the system, the implementation of the bank server node can refer to the implementation of the method for providing the service by using the mobile terminal based on the block chain applied to the system, and repeated parts are not described again.
Fig. 9 is a schematic structural diagram of a bank server node that provides services using a mobile terminal based on a blockchain in an embodiment of the present invention, where a service participant node forms a blockchain network, and the service participant node includes: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information, and the public key of the user are pre-deployed on each service participant node, as shown in fig. 9, the bank server node includes:
a second receiving unit 031, configured to receive a transaction result sent through the blockchain network when the merchant end node is detected to be in the networking state;
and a second updating unit 032, configured to update the historical transaction information of the server node at the bank end according to the transaction result.
In an embodiment, as shown in fig. 10, the bank end server node for providing services using a mobile terminal based on a blockchain may further include:
a third sending unit 033, configured to send the transaction result validation information to the blockchain network after the historical transaction information is updated successfully.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method for providing a service using a mobile terminal based on a block chain is implemented.
An embodiment of the present invention further provides a computer-readable storage medium storing a computer program for executing the method for providing a service using a mobile terminal based on a block chain.
In the scheme for providing service by using a mobile terminal based on a block chain, the service participant node forms a block chain network, and the service participant node comprises: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node, and the service participant nodes are pre-deployed by the following steps: when a mobile terminal node receives a transaction request of a user in an unconnected state, acquiring characteristic information of the user, comparing the acquired characteristic information with user characteristic information which is pre-deployed on the mobile terminal node, and if the acquired characteristic information is consistent with the user characteristic information, acquiring historical transaction information of the user; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode; after receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result to obtain the transaction result, and sends the transaction result to the block chain network when detecting that the merchant end node is in a networking state; the bank end server node receives the transaction result sent by the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result; when the mobile terminal node detects that the mobile terminal node is in the networking state, the mobile terminal node receives the transaction result sent through the blockchain network, and updates the historical transaction information of the mobile terminal node according to the transaction result, so that the safe service provision for the user based on the blockchain using terminal in the terminal offline state can be realized, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (22)

1. A method for providing a service using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the method for providing services by using the mobile terminal based on the block chain comprises the following steps:
when a mobile terminal node receives a transaction request of a user in an unconnected state, acquiring characteristic information of the user, comparing the acquired characteristic information with user characteristic information which is pre-deployed on the mobile terminal node, and if the acquired characteristic information is consistent with the user characteristic information, acquiring historical transaction information of the user; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode;
after receiving the payment information after the digital signature, the merchant end node decrypts the payment information after the digital signature according to the public key of the user which is pre-deployed at the merchant end node, processes the transaction request according to the decryption result to obtain the transaction result, and sends the transaction result to the block chain network when detecting that the merchant end node is in a networking state;
the bank end server node receives the transaction result sent by the blockchain network, and updates the historical transaction information of the bank end server node according to the transaction result;
and when the mobile terminal node detects that the mobile terminal node is in a networking state, receiving a transaction result sent through the blockchain network, and updating the historical transaction information of the mobile terminal node according to the transaction result.
2. The method for providing services using a mobile terminal based on a blockchain of claim 1, further comprising: and when the risk evaluation result is failure, the mobile terminal node provides notification information of refusing the transaction request to the user.
3. The method for providing services using a mobile terminal based on a blockchain of claim 1, further comprising: and when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, the mobile terminal node provides notification information of refusing the transaction request to the user.
4. The method for providing services using a mobile terminal based on a blockchain of claim 1, further comprising: and after the historical transaction information is updated successfully, the bank end server node sends the transaction result effective information to the block chain network.
5. A method for providing a service using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the method for providing services by using the mobile terminal based on the block chain comprises the following steps:
when a transaction request of a user is received in an unconnected state, acquiring characteristic information of the user;
comparing the acquired characteristic information with user characteristic information which is pre-deployed in a mobile terminal node;
if the comparison is consistent, acquiring historical transaction information of the user;
performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
when the risk assessment result is passed, carrying out digital signature on the payment information in the transaction request by using a private key of the user;
sending the payment information subjected to the digital signature to a merchant end node in a near field communication mode;
when the mobile terminal node is detected to be in the networking state, receiving a transaction result sent through the blockchain network;
and updating the historical transaction information of the mobile terminal node according to the transaction result.
6. The method for providing services using a mobile terminal based on a blockchain of claim 5, further comprising: and when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, providing notification information of refusing the transaction request to the user.
7. The method for providing services using a mobile terminal based on a blockchain of claim 5, further comprising: and when the acquired characteristic information is inconsistent with the user characteristic information pre-deployed in the mobile terminal node, providing notification information of refusing the transaction request to the user.
8. A method for providing a service using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the method for providing services by using the mobile terminal based on the block chain comprises the following steps:
receiving payment information after digital signature;
decrypting the digitally signed payment information according to the public key of the user pre-deployed at the merchant end node;
processing the transaction request according to the decryption result to obtain a transaction result of the time;
and sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
9. A method for providing a service using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the method for providing services by using the mobile terminal based on the block chain comprises the following steps:
receiving a transaction result sent through a blockchain network when the merchant end node is detected to be in the networking state;
and updating the historical transaction information of the server node at the bank end according to the transaction result.
10. The method for providing services using a mobile terminal based on a blockchain of claim 9, further comprising: and after the historical transaction information is updated successfully, the transaction result validation information is sent to the block chain network.
11. A system for providing services using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the system comprises:
the mobile terminal node is used for acquiring the characteristic information of the user when receiving the transaction request of the user in an unconnected state, comparing the acquired characteristic information with the characteristic information of the user which is pre-deployed on the mobile terminal node, and acquiring the historical transaction information of the user if the comparison is consistent; performing risk assessment on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user; when the risk evaluation result is that the transaction request passes, the payment information in the transaction request is digitally signed by using a private key of a user, and the digitally signed payment information is sent to the merchant end node in a near field communication mode; when the mobile terminal node is detected to be in a networking state, receiving a transaction result sent through a blockchain network, and updating historical transaction information of the mobile terminal node according to the transaction result;
the merchant end node is used for decrypting the payment information after the digital signature is received according to the public key of the user pre-deployed in the merchant end node, processing the transaction request according to the decryption result to obtain the transaction result, and sending the transaction result to the block chain network when the merchant end node is detected to be in a networking state;
and the bank end server node is used for receiving the transaction result sent by the blockchain network and updating the historical transaction information of the bank end server node according to the transaction result.
12. The system for providing services using a mobile terminal based on a blockchain of claim 11, wherein the mobile terminal node is further configured to provide a notification message denying the transaction request to the user if the risk assessment result is failure.
13. The system for providing services using a mobile terminal based on a blockchain of claim 11, wherein the mobile terminal node is further configured to provide a notification message of rejection of the transaction request to the user when the obtained characteristic information is inconsistent with the characteristic information of the user previously deployed at the mobile terminal node.
14. The system for providing services using a mobile terminal based on blockchain of claim 11, wherein the bank end server node is further configured to send the transaction result validation information to the blockchain network after the historical transaction information is successfully updated.
15. A mobile terminal node for providing services using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the mobile terminal node includes:
the first acquisition unit is used for acquiring the characteristic information of the user when receiving a transaction request of the user in an unconnected state;
the comparison unit is used for comparing the acquired characteristic information with the user characteristic information which is pre-deployed in the mobile terminal node;
the query unit is used for acquiring the historical transaction information of the user when the comparison is consistent;
the evaluation unit is used for carrying out risk evaluation on the transaction according to the transaction information related to the transaction request and the historical transaction information of the user;
the first processing unit is used for digitally signing the payment information in the transaction request by using a private key of a user when the risk assessment result is that the transaction request passes;
the first sending unit is used for sending the payment information subjected to the digital signature to the merchant end node in a near field communication mode;
the first receiving unit is used for receiving a transaction result sent by a blockchain network when the mobile terminal node is detected to be in a networking state;
and the first updating unit is used for updating the historical transaction information of the mobile terminal node according to the transaction result.
16. The mobile terminal node for providing services using a mobile terminal based on a blockchain of claim 15, wherein the first processing unit is further configured to provide a notification message denying the transaction request to the user if the risk assessment result is failed.
17. The mobile terminal node for providing services using a mobile terminal based on a blockchain as claimed in claim 15, wherein the comparing unit is further configured to provide notification information of refusal transaction request to the user when the obtained characteristic information is inconsistent with the user characteristic information pre-deployed at the mobile terminal node.
18. A merchant end node for providing services using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, the service participant node comprising: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the merchant end node comprising:
the second acquisition unit is used for receiving the payment information after the digital signature;
the decryption unit is used for decrypting the payment information after the digital signature according to the public key of the user pre-deployed at the merchant end node;
the second processing unit is used for processing the transaction request according to the decryption result to obtain a transaction result of the time;
and the second sending unit is used for sending the transaction result to the block chain network when detecting that the merchant end node is in the networking state.
19. A bank server node for providing a service using a mobile terminal based on a blockchain, wherein a service participant node forms a blockchain network, and the service participant node comprises: the system comprises a mobile terminal node, a bank end server node and a merchant end node; the user characteristic information, the historical transaction information and the public key of the user are pre-deployed on each service participant node; the bank end server node comprises:
the second receiving unit is used for receiving the transaction result sent by the block chain network when the merchant end node is detected to be in the networking state;
and the second updating unit is used for updating the historical transaction information of the server node at the bank end according to the transaction result.
20. The bank-side server node for providing services using a mobile terminal based on a blockchain of claim 19, further comprising:
and the third sending unit is used for sending the transaction result effective information to the block chain network after the historical transaction information is updated successfully.
21. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 10 when executing the computer program.
22. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 10.
CN202110848469.0A 2021-07-27 2021-07-27 Method, system and nodes for providing service by using mobile terminal based on block chain Pending CN113469693A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110848469.0A CN113469693A (en) 2021-07-27 2021-07-27 Method, system and nodes for providing service by using mobile terminal based on block chain

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110848469.0A CN113469693A (en) 2021-07-27 2021-07-27 Method, system and nodes for providing service by using mobile terminal based on block chain

Publications (1)

Publication Number Publication Date
CN113469693A true CN113469693A (en) 2021-10-01

Family

ID=77882582

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202110848469.0A Pending CN113469693A (en) 2021-07-27 2021-07-27 Method, system and nodes for providing service by using mobile terminal based on block chain

Country Status (1)

Country Link
CN (1) CN113469693A (en)

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107705206A (en) * 2017-11-07 2018-02-16 中国银行股份有限公司 A kind of transaction risk appraisal procedure and device
CN109472588A (en) * 2018-10-29 2019-03-15 平安科技（深圳）有限公司 A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain
CN109903052A (en) * 2019-02-13 2019-06-18 杭州秘猿科技有限公司 A kind of block chain endorsement method and mobile device
CN110458542A (en) * 2019-08-02 2019-11-15 中国工商银行股份有限公司 Offline electronic payment system and method based on block chain
CN110659987A (en) * 2018-06-28 2020-01-07 厦门本能管家科技有限公司 Offline transaction method and system based on block chain
CN111506632A (en) * 2020-04-23 2020-08-07 腾讯科技（深圳）有限公司 Data processing method and device
CN111639932A (en) * 2020-07-31 2020-09-08 支付宝(杭州)信息技术有限公司 Offline resource transfer method and device based on block chain
CN112785304A (en) * 2020-08-26 2021-05-11 冒炜 Verification processing method, system and service platform based on block chain offline payment
CN113159744A (en) * 2021-02-07 2021-07-23 思特沃克软件技术(武汉)有限公司 Double-off-line payment system, method and device for digital currency

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107705206A (en) * 2017-11-07 2018-02-16 中国银行股份有限公司 A kind of transaction risk appraisal procedure and device
CN110659987A (en) * 2018-06-28 2020-01-07 厦门本能管家科技有限公司 Offline transaction method and system based on block chain
CN109472588A (en) * 2018-10-29 2019-03-15 平安科技（深圳）有限公司 A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain
CN109903052A (en) * 2019-02-13 2019-06-18 杭州秘猿科技有限公司 A kind of block chain endorsement method and mobile device
CN110458542A (en) * 2019-08-02 2019-11-15 中国工商银行股份有限公司 Offline electronic payment system and method based on block chain
CN111506632A (en) * 2020-04-23 2020-08-07 腾讯科技（深圳）有限公司 Data processing method and device
CN111639932A (en) * 2020-07-31 2020-09-08 支付宝(杭州)信息技术有限公司 Offline resource transfer method and device based on block chain
CN112785304A (en) * 2020-08-26 2021-05-11 冒炜 Verification processing method, system and service platform based on block chain offline payment
CN113159744A (en) * 2021-02-07 2021-07-23 思特沃克软件技术(武汉)有限公司 Double-off-line payment system, method and device for digital currency

Similar Documents

Publication Publication Date Title
EP3374953B1 (en) Server based biometric authentication
US9978094B2 (en) Tokenization revocation list
US9864983B2 (en) Payment method, payment server performing the same and payment system performing the same
CN105868970B (en) authentication method and electronic equipment
CN106779705B (en) Dynamic payment method and system
CN113112266A (en) Multi-card processing method and system based on 5G message and block chain
CN110535809B (en) Identification code pulling method, storage medium, terminal device and server
CN113052584A (en) Block chain-based quick payment contract-releasing method and device
CN111738717B (en) Digital wallet security protection method and device, electronic equipment and storage medium
CN111709835A (en) Service processing method and system
CN107947934B (en) Fingerprint identification and authentication system and method of mobile terminal based on bank system
CN113469693A (en) Method, system and nodes for providing service by using mobile terminal based on block chain
CN111178893B (en) Anti-theft safety authentication method and device
CN114841698A (en) Transaction information processing method and device and computer readable storage medium
CN111242613B (en) Wallet information management method and device based on online banking system and electronic equipment
CN113438223A (en) Bank card security setting method and device
CN113592630A (en) Credit card surface-signing method and device based on block chain
CN113487308A (en) Bank terminal deposit system and method based on block chain
CN111932800A (en) Security verification method and device
CN109474565B (en) Information verification method and apparatus, storage medium, and electronic apparatus
CN113301569B (en) Reserved mobile phone number replacement method and device
CN104978660A (en) Information processing method and information processing system
US20220385652A1 (en) Method and system for verifying the eligibility of a user based on location
CN113487329A (en) Bank terminal transaction system and method based on block chain
CN113191780B (en) Block chain-based high-risk business transaction execution method and device

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination