CN113781048A - Transaction information verification and settlement method based on block chain - Google Patents

Transaction information verification and settlement method based on block chain Download PDF

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CN113781048A
CN113781048A CN202111347947.6A CN202111347947A CN113781048A CN 113781048 A CN113781048 A CN 113781048A CN 202111347947 A CN202111347947 A CN 202111347947A CN 113781048 A CN113781048 A CN 113781048A
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transaction information
verification
transaction
data
user
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CN113781048B (en
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张卫平
丁烨
岑全
李显阔
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Global Digital Group Co Ltd
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    • G06Q20/3825—Use of electronic signatures
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    • G06Q20/3827—Use of message hashing
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    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
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Abstract

The invention provides a transaction information checking and settlement method based on a block chain, which comprises the steps of configuring the block chain for recording transactions; preparing a transaction information table, and providing corresponding hash values for each data column in the transaction information table; recording a Hash in a blockchain as an identification mark of blockchain transaction; configuring the barcode as a pointer to locate a blockchain transaction; inserting a bar code into the transaction information table, and delivering the transaction information table to the data processing module; and the data processing module is used for processing the data in the transaction information table under the control of the processor. The invention extracts a plurality of information segments from the transaction information table, compares the number of the information segments with the corresponding information in the database, determines whether the number of the information segments is matched with the corresponding information in the database, if the order is in or out, the order is absent or wrong, and the order is not checked and settled, so as to realize the efficient utilization of resources.

Description

Transaction information verification and settlement method based on block chain
Technical Field
The invention relates to the technical field of data processing, in particular to a transaction information verification and settlement method based on a block chain.
Background
With the development of the blockchain technology, the blockchain technology is widely applied to various scenes, and in some application scenes of the blockchain, the account resource sum of each transaction node needs to be checked. For example: the verification application in the blockchain needs to confirm the transaction information total (usually digital currency) of a certain transaction node at a certain time point. However, the resource verification method usually adopted at present is to obtain the transaction details of each transaction, and perform calculation and comparison, thereby realizing verification of the account resource total of each transaction node, and therefore the verified node needs to expose the transaction details to complete the resource verification. Therefore, when the resource verification is performed on the verified node at present, the acquired data is excessively exposed, so that the data of the verified node is easily leaked, and the security is low.
For example, the CN108960604B prior art discloses a method, a system, and an apparatus for information processing, and enterprise management is a problem faced by each enterprise, and the types and scales of enterprises are different, and the applicable enterprise management methods are different. The enterprise management method and system in the prior art often need a large amount of manual data entry, and along with the pursuit of the input-output ratio of the whole enterprise and each department unit in the enterprise at present, the prior art is more and more difficult to simply, efficiently and automatically quantify the input-output ratio of each department in the enterprise.
Another typical prior art, such as CN103247003B, discloses an event processing oriented distributed programmed transaction system, which is widely used in the financial industry with the rapid development of the financial industry in china, and among them, the programmed transaction system is being accepted by more investors. Existing systems in the market are focused on developing single functions in the field, for example, although a system with high-speed computing capability is provided, efficient ordering performance is lacked, and therefore a strategy for quantifying investment cannot be perfectly carried out. In addition, when the client carries out quantitative investment, the client usually wants to create a proper trading tool according to own ideas and requirements, but is also bitter in searching a system which not only has accurate market data and information data, but also has perfect development capability and provides efficient operation and trading capability.
The invention aims to solve the problems of poor safety, excessive exposure of acquired data, complex verification process, high intensity of manually entered data, poor data interactivity, small application scene and the like in the field.
Disclosure of Invention
The invention aims to provide a transaction information verification and settlement method based on a block chain, aiming at the defects of the current transaction information verification.
In order to overcome the defects of the prior art, the invention adopts the following technical scheme:
a transaction information verification and settlement method based on a blockchain comprises the steps of configuring the blockchain for recording transactions;
preparing a transaction information table, wherein all information related to transactions is recorded in the transaction information table; providing corresponding hash values for each data column in the transaction information table;
recording a Hash in a blockchain as an identification mark of blockchain transaction; configuring the barcode as a pointer to locate a blockchain transaction; inserting a bar code into the transaction information table, and delivering the transaction information table to the data processing module;
when the data processing module processes the data in the transaction information table under the control of the processor, the data processing module transmits or shares the data with an external block chain through the server;
after each first user signature in the transaction information table is processed by the data processing module, each first user signature is marked in each information item in the transaction information table; meanwhile, the processor controls a verification module to verify the data so as to verify the matching degree of the first user signature;
when the verification module verifies the data, the data set Quality signed by the first user needs to be obtained according to the following formula in the process of screening the transaction information data,
Figure 927085DEST_PATH_IMAGE001
splitting the first signed data set Quality formed by screening to generate a transaction information array ANSER = [ a1, a2, …, an-1, an ]: n is the number of terms, an represents the nth term signature value; determining according to the following formula for performing a check on the matching degree reliability;
Figure 396551DEST_PATH_IMAGE002
wherein Ni is a first user signature of a broadcast in a blockchain network; after the initial verification is performed on the matching degree, the optimal transaction information data is selected according to different transaction information to ensure the accuracy of the data; for the best of said transaction information data, it is also necessary to satisfy a secondary verification, which is performed according to the following formula,
Figure 132426DEST_PATH_IMAGE003
wherein t is the number of matching verification, t belongs to n, and n is the number of items of the information data; the ASM is the fit of the information data and the Ni;
Figure 800168DEST_PATH_IMAGE004
wherein, T () is a time function and is used for recording the times of the satisfied conditions during verification; tk is a set calibration threshold, and if Suitability is not lower than Tk, the matching degree is better; if the Suitability is lower than Tk, the matching degree is not good, another group of transaction information needs to be reselected for verification;
selecting transaction data corresponding to the first user signature with the best matching degree, transmitting the data to the verification module, and generating a data structure associated with the user account by the verification module, wherein the data structure comprises a reference to a previous data structure, extracting transaction information associated with the user account from the data structure, and transmitting all transaction information associated with the user account to an auxiliary sub-account to determine each transaction data existing in the user account; the secondary sub-account includes all accounts with which the user account has transactions to determine an initial issuer of source transaction information;
wherein the first private encryption key is used by the verification module to generate a first user signature based on a data structure and to establish a verification request with a service provider using transaction information associated with a user account; the verification request comprises sending a signature request associated with a data structure to a service provider and receiving, by the verification module, a one-time password in response to the signature request;
and sending, by the verification module, an indication of verification including a one-time password and sending the indication of verification to the service provider;
after receiving the verification instruction, the service provider generates a second user signature based on a data structure by using a second private encryption key so as to verify the authenticity of the transaction information;
wherein the service provider comprises equipment for data connection with the blockchain network and providing a data source for the blockchain network;
and if the verification is passed, the verification module transmits the data structure comprising the first user signature and the second user signature to the blockchain network for verification.
Optionally, a verification request is made in response to the verification module accessing the blockchain network, and the requested information is provided to the blockchain network according to a blockchain network instruction; matching the request hash corresponding to the corresponding transaction information with the request information of the verification module; at the same time, at least one hash value in the blockchain transaction is accessed in response to scanning the bar code on the transaction information table;
accessing, by the verification module, at least one hash in a blockchain transaction, comparing a request hash to the at least one hash in the blockchain transaction; and verifying a request hash matching at least one hash present in a blockchain transaction to determine that the transaction information table is authentic; and when the transaction information table is verified to be authentic, transmitting a first message to the blockchain network for broadcasting, wherein the first message comprises a feedback message for verifying that the transaction information table in the blockchain transaction is authentic and a verification message of the hash value.
Optionally, after the service provider passes the verification, the service provider starts a client-aware program for the secondary sub-account to determine whether the secondary sub-account is included in the list of known accounts, and completes the signature request by generating a second user signature for the data structure;
wherein if it is determined that the learning of the secondary sub-account is unsuccessful in the execution of the client program, canceling the signature request associated with the data structure;
if the secondary sub-account is determined to be aware that the client program was successfully executed, completing the signing request by generating a second user signature for the data structure;
the learning client program is used for verifying the availability of the user account to determine the availability of the user account, wherein the learning client program is not executed successfully, and the user account is not available; the user account is available if the learning client executes successfully.
Optionally, the method includes determining that the transaction information table is not a true transaction information table if the request hash does not match at least one hash in the blockchain transaction; and sending a second message to the blockchain network according to the determined unreal transaction information table, wherein the second message informs the checking module to check the requested information, feeds back the information to the user, and records a feedback result and a checking result of the checking module.
Optionally, storing at least a portion of the transaction information in a non-blockchain location in the transaction information table; the block chain network is configured to provide verification service for the verification module and upload a verified transaction information table to the block chain network according to the verification history of the verification service;
in the process of verifying the transaction information table, a plurality of information segments are extracted from the transaction information table, the number of the information segments is compared with corresponding information in the database, and whether the number of the information segments is matched with the corresponding information in the database is determined.
Optionally, the method further comprises receiving, by the processing device, a request to access a feature of the user account over the blockchain network; simultaneously obtaining transaction information for the user account from a database in communication with the processing device, automatically matching at least one of the transactions for the user account with at least one of the transaction information from the auxiliary sub-account for the user,
the transaction information of at least one user account corresponds to at least one transaction sent from the auxiliary sub-account to the user account so as to realize the matching of the transaction information, and if the transaction information does not exist, the data of the transaction information is discarded;
at the same time, selecting at least one matched transaction information in the transaction information of the user account, and generating one or more transaction information from the auxiliary sub-account for first ownership verification of the user account so as to enable the user to access the characteristics of the user account based on the first ownership verification; wherein the characteristic comprises an original transaction party of the transaction information.
Optionally, the processing device updates the user's identity assurance level and allows the user to access the features associated with the user account based on a first verification of ownership of the user account by the user;
if at least one of the transaction information of the user account is matched with at least one of the transaction information from the auxiliary sub-account; the transaction information for the user account and the transaction information for the secondary sub-account are stored in a database by the processing device.
Optionally, the method includes extracting a plurality of information segments from the transaction information table, and comparing the number of the information segments with corresponding information in the database to determine whether the number of the information segments matches corresponding information in the database;
if the number of the information segments matched with the corresponding transaction information in the database exceeds a set threshold value, transmitting a first message to a block chain network;
if the number of the information segments which are not matched with the corresponding information in the database does not exceed a set threshold value, sending a second message to the block chain network;
wherein the first message includes a transaction information table verifying that the transaction information table is authentic; the second message includes a verification result informing the requester to check the transaction information table.
The beneficial effects obtained by the invention are as follows:
1. the server is used for carrying out interaction or transmission on external data to realize data receiving or transmission, and meanwhile, a block chain network is built by combining the processor and the server to realize data transmission or sharing;
2. controlling a verification module to verify the data through the processor so as to verify the matching degree of the first user signature;
3. accessing, by the verification module, at least one hash in a blockchain transaction, comparing a request hash to the at least one hash in the blockchain transaction; verifying at least one hash-matched request hash in the blockchain transaction to improve the authenticity of the transaction information table;
4. the method comprises the steps that a learning client program is adopted for checking the availability of the user account to determine the availability of the user account, and the availability of the account is mastered in real time to provide an online checking and settlement service;
5. a plurality of information segments are extracted from the transaction information table, the number of the information segments is compared with corresponding information in the database, whether the number of the information segments is matched with the corresponding information in the database or not is determined, if the order is in or out, the order does not exist or is wrong, the order is not checked and settled, and efficient utilization of resources is achieved.
Drawings
The invention will be further understood from the following description in conjunction with the accompanying drawings. The components in the figures are not necessarily to scale, emphasis instead being placed upon illustrating the principles of the embodiments. Like reference numerals designate corresponding parts throughout the different views.
FIG. 1 is a control flow diagram illustrating the processing of a transaction message form according to the present invention.
FIG. 2 is a control flow diagram of the processing module processing the transaction information table according to the present invention.
Fig. 3 is a schematic control flow diagram of the transaction information verification performed by the verification module according to the present invention.
FIG. 4 is a block diagram of a transaction information table according to the present invention.
Fig. 5 is a schematic view of the verification process of the service provider according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to embodiments thereof; it should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Other systems, methods, and/or features of the present embodiments will become apparent to those skilled in the art upon review of the following detailed description. It is intended that all such additional systems, methods, features and advantages be included within this description, be within the scope of the invention, and be protected by the accompanying claims. Additional features of the disclosed embodiments are described in, and will be apparent from, the detailed description that follows.
The same or similar reference numerals in the drawings of the embodiments of the present invention correspond to the same or similar components; in the description of the present invention, it should be understood that if there is an orientation or positional relationship indicated by the terms "upper", "lower", "left", "right", etc. based on the orientation or positional relationship shown in the drawings, it is only for convenience of describing the present invention and simplifying the description, but it is not intended to indicate or imply that the device or component referred to must have a specific orientation, be constructed in a specific orientation, and be operated, and therefore, the terms describing the positional relationship in the drawings are only used for illustrative purposes and are not to be construed as limiting the present patent, and the specific meaning of the terms described above will be understood by those of ordinary skill in the art according to the specific circumstances.
The first embodiment is as follows: according to fig. 1-5, a transaction information verification and settlement system based on a block chain is provided, the system comprises a server, a processor, a data processing module, a verification module and a service provider, wherein the processor is respectively in control connection with the server, the data processing module and the verification module, and the data processing module and the verification module are precisely controlled based on the processor. Meanwhile, the server is used for interacting or transmitting external data to receive or transmit data; in this embodiment, a block chain network is established by the server to implement data transmission or sharing; wherein the service provider includes equipment or transmission media that provides transmission of data or can oversee transactions.
The data processing module is used for processing transaction data; the verification module is used for verifying the transaction data or the data structure of the transaction data;
in addition, the embodiment also provides a transaction information verification and settlement method based on the blockchain, and the method operates based on the system so as to realize efficient processing of transaction data. Wherein the method comprises configuring a blockchain for recording transactions; preparing a transaction information table, wherein all information related to transactions is recorded in the transaction information table; providing corresponding hash values for each data column in the transaction information table;
recording a Hash in a blockchain as an identification mark of blockchain transaction; configuring the barcode as a pointer to locate a blockchain transaction; inserting a bar code into the transaction information table, and delivering the transaction information table to the data processing module;
when the data processing module processes the data in the transaction information table under the control of the processor, the data processing module transmits or shares the data with an external block chain through the server; the transaction information table is provided with a plurality of transaction information, and each transaction information is provided with a corresponding first midwife signature;
after the first user signature of each user in the transaction information table is processed by the data processing module, marking the first user signature in each information item in the transaction information table; meanwhile, the processor controls a verification module to verify the data so as to verify the matching degree of the first user signature;
when the verification module verifies the data, the data set Quality signed by the first user needs to be obtained according to the following formula in the process of screening the transaction information data,
Figure 937888DEST_PATH_IMAGE005
wherein n is the number of terms, and when the number of terms of n exceeds 1000 terms when many, the above formula is equivalently converted into:
Figure 852623DEST_PATH_IMAGE006
splitting the first signed data set Quality formed by screening to generate a transaction information array ANSER = [ a1, a2, …, an-1, an ]: n is the number of terms, an represents the nth term signature value; determining according to the following formula for performing a check on the matching degree reliability;
Figure 810215DEST_PATH_IMAGE007
in the formula, NiSigning a first user of a broadcast in a blockchain network;
in addition, after the initial verification of the matching degree reliability, the optimal transaction information data is selected according to different transaction information to ensure the accuracy of the data; for the best of said transaction information data, it is also necessary to satisfy a secondary verification, which is performed according to the following formula,
Figure 468598DEST_PATH_IMAGE008
wherein t is the number of matching verification, t belongs to n, and n is the number of items of the information data; ASMFor the information data and NiThe degree of engagement of;
Figure 460825DEST_PATH_IMAGE009
wherein, T () is a time function and is used for recording the times of the satisfied conditions during verification; t iskIf Suitability is not lower than T for the set calibration threshold valuekThen the matching degree is better; if Suitability is less than TkIf the matching degree is not good, another group of transaction information needs to be reselected for verification;
after determining a group of transaction information, selecting data corresponding to a first user signature with the best matching degree, transmitting the data to the verification module, and generating a data structure associated with a user account by the verification module, wherein the data structure comprises a reference to a previous data structure, extracting transaction information associated with the user account from the data structure, and transmitting all transaction information associated with the user account to an auxiliary sub-account to determine each transaction data existing in the user account;
the user account comprises a secondary sub-account, wherein the secondary sub-account comprises all accounts with which there is a transaction;
generating, by the verification module, a first user signature based on a data structure using a first private encryption key; and establishing an authentication request with the service provider using transaction information associated with the user account; wherein the data structures include, but are not limited to, the following listed ones: the format of the data, the type of the data, the indication type of the transaction, the range of the transaction information and the like;
the verification request comprises sending a signature request associated with a data structure to a service provider and receiving, by the verification module, a one-time password in response to the signature request;
sending, by the verification module, an indication of verification including a one-time password and sending the indication of verification to the service provider;
after receiving the verification instruction, the service provider generates a second user signature based on a data structure by using a second private encryption key so as to verify the authenticity of the transaction information;
the service provider comprises equipment or a merchant which is in data connection with the blockchain network and provides transaction data and service for the blockchain network;
the one-time password may also be generated by a key-hash-based message authentication code or a time-based password generator associated with the user account during the transaction.
And if the transaction information passes the verification, the verification module transmits a data structure comprising the first user signature and the second user signature to the blockchain network for verification.
When the verification is carried out through the block link network, the response of the verification request is fed back to the service provider;
if the transaction information is not verified through the blockchain network, the transaction information is not the transaction in the user account and can be discarded.
Responding to a verification request sent by the verification module for accessing the blockchain network, and providing the requested information to the blockchain network according to a blockchain network instruction; matching the request hash corresponding to the corresponding transaction information with the request information of the verification module; at the same time, at least one hash value in the blockchain transaction is accessed in response to scanning the bar code on the transaction information table;
accessing, by the verification module, at least one hash in a blockchain transaction, comparing a request hash to the at least one hash in the blockchain transaction; and verifying a request hash matching at least one hash present in a blockchain transaction to determine that the transaction information table is authentic; and when the transaction information table is verified to be authentic, transmitting a first message to the blockchain network for broadcasting, wherein the first message comprises a feedback message for verifying that the transaction information table of the blockchain transaction is authentic and a verification message of the hash value.
Optionally, after the service provider passes the verification, the service provider starts a client-aware program for the secondary sub-account to determine whether the secondary sub-account is included in the list of known accounts, and completes the signature request by generating a second user signature for the data structure; the auxiliary sub-account is configured to be an account number represented by the identification transmitted by the user account, and when the user account communicates with an external blockchain network, the user account has transaction information or transaction activity, and the transaction information or the transaction activity is displayed in the account list.
Wherein if it is determined that the learning of the secondary sub-account is unsuccessful in the execution of the client program, canceling the signature request associated with the data structure; if the secondary sub-account is determined to be aware that the client program was successfully executed, completing the signing request by generating a second user signature for the data structure;
wherein the learning client program is configured to verify availability of the user account to determine availability of the user account, wherein the learning client program is not successfully executed if the user account is not available; the user account is available if the learning client executes successfully.
Learning the client program may collect and analyze identity information associated with the secondary sub-account, compare the secondary sub-account to a list of known parties, calculate transaction risk or transaction behavior based on transaction behavior of the secondary sub-account, and monitor transactions of the secondary sub-account based on expected behavior and recorded behavior, which may be cancelled if the learning of the client program is unsuccessful.
Otherwise, if the other party is known or knows that the client was successful, the service provider can sign the transaction with its private key and send the transaction to the blockchain network.
Optionally, the method further includes determining that the transaction information table is not a true transaction information table if the request hash does not match at least one hash in the blockchain transaction; and sending a second message to the blockchain network according to the determined unreal transaction information table, wherein the second message informs the verification module to check the requested transaction information and feed back the transaction information to the user, and simultaneously, records the result fed back to the user and the check result of the verification module.
In the actual use process, after the user logs in the user account, the user input of the user operation is carried out through the mobile terminal, the transaction order with the transaction service is established in response to the user input, and the digital signature of the transaction to be established is requested. Sending an authentication request with a one-time password to a user according to the transaction order of the transaction service. And simultaneously, the user inputs a one-time password to confirm the identity of the user at the mobile terminal based on the triggering of the transaction order. The transaction data structure is then generated from the user's input and signed with its private key.
The user signs the transaction data structure with the private key and transmits the transaction data structure to the blockchain network.
Optionally, storing at least a portion of the transaction information in a non-blockchain location in the transaction information table; the transaction information comprises partial data needing to be checked or settled and data not needing to be checked; and storing the data which does not need to be accounted in the non-blockchain position, wherein two areas are arranged in the storage unit and respectively correspond to the blockchain position and the non-blockchain position. Transaction data that requires accounting and transaction data that does not require accounting are stored in blockchain locations and non-blockchain locations, respectively.
The block chain network is configured to provide verification service for the verification module and upload a verified transaction information table to the block chain network according to the verification history of the verification service;
in the process of verifying the transaction information table, a plurality of information segments are extracted from the transaction information table, the number of the information segments is compared with corresponding information in the database, and whether the number of the information segments is matched with the corresponding information in the database is determined.
Optionally, the method includes receiving, by the processing device, a request to access a feature of the user account over the blockchain network; simultaneously obtaining transaction information for the user account from a database in communication with the processing device, automatically matching at least one of the transactions for the user account with at least one of the transaction information from the auxiliary sub-account for the user,
the transaction information of at least one user account corresponds to at least one transaction sent from the auxiliary sub-account to the user account so as to realize the matching of the transaction information, and if the transaction information does not exist, the data of the transaction information is discarded;
at the same time, selecting at least one matched transaction information in the transaction information of the user account, and generating one or more transaction information from the auxiliary sub-account for first ownership verification of the user account so as to enable the user to access the characteristics of the user account based on the first ownership verification; wherein the characteristic comprises an original transaction party of the transaction information.
Optionally, the processing device updates the user's identity assurance level and allows the user to access the features associated with the user account based on a first verification of ownership of the user account by the user;
if at least one of the transaction information of the user account is matched with at least one of the transaction information from the auxiliary sub-account; the transaction information for the user account and the transaction information for the secondary sub-account are stored in a database by the processing device.
The verification module issues one or more transactions to the secondary sub-account and updates one or more transactions of the secondary sub-account as the one or more transactions of the secondary sub-account are issued.
Wherein the transaction information of the secondary sub-account is aggregated using data flows of the blockchain network; and meanwhile, automatically generating secondary verification of the user's ownership of the auxiliary sub-account by utilizing the automatically matched transaction. The secondary verification comprises the following steps: matching at least one of the transaction information of the user account with the amount of one or more transaction information of the user account in the transaction information of the auxiliary sub-account with the amount of one or more transaction information of the auxiliary sub-account; verifying a trigger for the transaction using the transaction information of the user account and the transaction information of the secondary sub-account; wherein the transaction information for the user account is issued by a service associated with the user account.
If the associated service exists in the user account and the service is broadcast in the blockchain network, the transaction information in the user account is real.
In addition, after the secondary verification of the ownership of the auxiliary sub-account, the transaction amount corresponding to the transaction information in the user account is verified, so that the transaction amount can be accurately checked. When the order amount in one transaction information table is determined, the transaction information is compared through the comparison of the transaction information in the transaction information table, so that the accuracy of the transaction information is verified, and the transaction information is prevented from being tampered by any party.
Optionally, the method includes extracting a plurality of information segments from the transaction information table, and comparing the number of the information segments with corresponding information in the database to determine whether the number of the information segments matches corresponding information in the database; the database is used for storing each transaction information in the user account;
if the number of the information segments matched with the corresponding transaction information in the database exceeds a set threshold value, transmitting a first message to a block chain network;
if the number of the information segments which are not matched with the corresponding information in the database does not exceed a set threshold value, sending a second message to the block chain network;
wherein the first message includes a transaction information table verifying that the transaction information table is authentic; the second message includes a verification result informing the requester to check the transaction information table.
Example two: this embodiment should be understood to include at least all the features of any of the previous embodiments and further refinements thereof, and the method for checking or settling further includes: providing a registration request for each user to obtain a user account corresponding to each user when each user accesses the block link network; after the registration operation is finished, a trading order or a trading activity is carried out through a user account formed after the registration;
meanwhile, for different transaction orders, the user account needs to be scored, and if the score is lower than a set purchase qualification threshold value, a specific transaction order cannot be placed;
registering a user by: verifying the identity of the user; creating a unique user identifier and user record for a user; an intelligent contract rule is created to manage transaction information relating to a user and a unique user identifier, a user record, is published to a transaction information table.
Wherein the registration process further comprises searching a publicly available data set to locate the most likely match of the user's identity, formulating a series of knowledge-based authentication questions that the user must answer, and calculating a user confidence score from the collected data about the user's transaction behavior using a scoring engine. Verifying the identity and purchase eligibility of the user using the transaction information table; verifying the user's identity and purchase eligibility includes comparing the user identity to public and private watchlists to confirm purchase eligibility. Wherein the private watchlist comprises trade orders and trade data associated with a user's purchasing behavior;
wherein execution of the computer program code by the processor causes the trading and identity verification system to execute intelligent contract rules to control and record the user trade orders using the privately-approved trade information table.
Wherein the transaction information table includes transaction records created by the financial institution for the user.
Verifying the transaction behavior of the user through a scoring engine to realize the evaluation or scoring of the user behavior; the evaluating step includes: transmitting a transaction information table of a user account formed when the user registers to the scoring engine.
The scoring engine operates to aggregate attributes of the transactions to determine the accuracy of the data associated with the transactions after receiving the user's transaction information table.
Wherein the intelligent contract rules include logic to control transactions according to regulatory requirements and trust scores. Such as: the purchase of a particular piece of equipment requires supervision, a control threshold below a trust score, etc.
When the transaction information table is transmitted through the block chain network, a consensus mechanism needs to be triggered through the characteristics of the block chain; wherein the consensus mechanism is determined by the nature of the blockchain itself.
In this embodiment, a consensus engine is connected to the blockchain network, where the consensus engine is configured to vote for a node of the blockchain for each transaction information in the transaction information table, and complete verification and validation of the transaction in a short time, so that all transaction information in the blockchain network is determined.
Wherein the consensus engine is configured to: providing detailed information of individual transactions to a subset of nodes, each node determining a state of a transaction information table and predicting a state of the transaction information table resulting from processing the individual transactions;
predicting the same transaction information table state according to the node subsets with the specified quantity, and sequencing the single transaction and other transactions; and broadcasting the ordered transactions to all nodes and updating the transaction information table.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Although the invention has been described above with reference to various embodiments, it should be understood that many changes and modifications may be made without departing from the scope of the invention. That is, the methods, systems, and devices discussed above are examples. Various configurations may omit, substitute, or add various procedures or components as appropriate. For example, in alternative configurations, the methods may be performed in an order different than that described, and/or various components may be added, omitted, and/or combined. Moreover, features described with respect to certain configurations may be combined in various other configurations, as different aspects and elements of the configurations may be combined in a similar manner. Further, elements therein may be updated as technology evolves, i.e., many elements are examples and do not limit the scope of the disclosure or claims.
Specific details are given in the description to provide a thorough understanding of the exemplary configurations including implementations. However, configurations may be practiced without these specific details, for example, well-known circuits, processes, algorithms, structures, and techniques have been shown without unnecessary detail in order to avoid obscuring the configurations. This description provides example configurations only, and does not limit the scope, applicability, or configuration of the claims. Rather, the foregoing description of the configurations will provide those skilled in the art with an enabling description for implementing the described techniques. Various changes may be made in the function and arrangement of elements without departing from the spirit or scope of the disclosure.
In conclusion, it is intended that the foregoing detailed description be regarded as illustrative rather than limiting, and that it be understood that these examples are illustrative only and are not intended to limit the scope of the invention. After reading the description of the invention, the skilled person can make various changes or modifications to the invention, and these equivalent changes and modifications also fall into the scope of the invention defined by the claims.

Claims (8)

1. A transaction information checking and settlement method based on a blockchain is characterized by comprising the steps of configuring the blockchain for recording transactions;
preparing a transaction information table, wherein all information related to transactions is recorded in the transaction information table; providing corresponding hash values for each data column in the transaction information table;
recording a Hash in a blockchain as an identification mark of blockchain transaction; configuring the barcode as a pointer to locate a blockchain transaction; inserting a bar code into the transaction information table, and sending the transaction information table to the data processing module;
when the data processing module processes the data in the transaction information table under the control of the processor, the data processing module transmits or shares the data with an external block chain through the server;
after each first user signature in the transaction information table is processed by the data processing module, each first user signature is marked in each information item in the transaction information table; meanwhile, the processor controls a verification module to verify the data so as to verify the matching degree of the first user signature;
when the verification module verifies the data, in the process of screening the transaction information data, the data set Quality signed by the first user needs to be obtained according to the following formula,
Figure 523497DEST_PATH_IMAGE001
splitting the data set Quality of the first signature formed by screening to generate a transaction information array ANSERR = [ a1, a2, …, an-1, an ], wherein n is a term number and an represents the nth signature value; performing a first check on the matching degree reliability, and determining the matching degree reliability by the following formula;
Figure 437226DEST_PATH_IMAGE002
in the formula, NiSigning a first user of a broadcast in a blockchain network; after the initial verification is performed on the matching degree, the optimal transaction information data is selected according to different transaction information to ensure the accuracy of the data; for the best of said transaction information data, it is also necessary to satisfy a secondary verification, which is performed according to the following formula,
Figure 446771DEST_PATH_IMAGE003
wherein t is the number of matching verification, t belongs to n, and n is the number of items of the information data; ASMFor the information data and NiThe degree of engagement of;
Figure 808351DEST_PATH_IMAGE004
wherein, T () is a time function and is used for recording the times of the satisfied conditions during verification; tk is a set calibration threshold, and if Suitability is not lower than Tk, the matching degree is better; if Suitability is less than TkIf the matching degree is not good, another set of intersection needs to be reselectedVerifying the easy information;
selecting transaction data corresponding to the first user signature with the best matching degree, transmitting the data to the verification module, and generating a data structure associated with the user account by the verification module, wherein the data structure comprises a reference to a previous data structure, extracting transaction information associated with the user account from the data structure, and transmitting all transaction information associated with the user account to an auxiliary sub-account to determine each transaction data existing in the user account; the secondary sub-account includes all accounts with which the user account has transactions to determine an initial issuer of source transaction information;
wherein the first private encryption key is used by the verification module to generate a first user signature based on a data structure and to establish a verification request with a service provider using transaction information associated with a user account; the verification request comprises sending a signature request associated with a data structure to a service provider and receiving, by the verification module, a one-time password in response to the signature request;
sending, by the verification module, an indication of verification including a one-time password and sending the indication of verification to the service provider;
after receiving the verification instruction, the service provider generates a second user signature based on a data structure by using a second private encryption key so as to verify the authenticity of the transaction information;
wherein the service provider comprises equipment for data connection with the blockchain network and providing a data source for the blockchain network;
and if the verification is passed, the verification module transmits the data structure comprising the first user signature and the second user signature to the blockchain network for verification.
2. The blockchain-based transaction information verification and settlement method of claim 1, wherein in response to the verification module making a verification request to access a blockchain network, the requested information is provided to the blockchain network according to blockchain network instructions; matching the request hash corresponding to the corresponding transaction information with the request information of the verification module; at the same time, at least one hash value in the blockchain transaction is accessed in response to scanning the bar code on the transaction information table;
accessing, by the verification module, at least one hash in a blockchain transaction, comparing a request hash to the at least one hash in the blockchain transaction; and verifying a request hash matching at least one hash present in a blockchain transaction to determine that the transaction information table is authentic; and when the transaction information table is verified to be authentic, transmitting a first message to the blockchain network for broadcasting, wherein the first message comprises a feedback message for verifying that the transaction information table in the blockchain transaction is authentic and a verification message of the hash value.
3. The blockchain-based transaction information verification and settlement method of claim 2, wherein the service provider, after passing the verification, starts a customer-aware program for the secondary sub-account to determine whether the secondary sub-account is included in the list of known accounts and completes the signature request by generating a second user signature for the data structure;
wherein if it is determined that the learning of the secondary sub-account is unsuccessful in the execution of the client program, canceling the signature request associated with the data structure;
if the secondary sub-account is determined to be aware that the client program was successfully executed, completing the signing request by generating a second user signature for the data structure;
the learning client program is used for verifying the availability of the user account to determine the availability of the user account, wherein the learning client program is not executed successfully, and the user account is not available; the user account is available if the learning client executes successfully.
4. The blockchain-based transaction information checking and settlement method according to claim 3, wherein the method includes determining that the transaction information table is not a real transaction information table if the request hash does not match at least one hash in the blockchain transaction; and sending a second message to the blockchain network according to the determined unreal transaction information table, wherein the second message informs the checking module to check the requested information, feeds back the information to the user, and records a feedback result and a checking result of the checking module.
5. The blockchain-based transaction information checking and settlement method according to claim 4, wherein at least a portion of the transaction information is stored in a non-blockchain position in the transaction information table; the block chain network is configured to provide verification service for the verification module and upload a verified transaction information table to the block chain network according to the verification history of the verification service;
in the process of verifying the transaction information table, a plurality of information segments are extracted from the transaction information table, the number of the information segments is compared with corresponding information in the database, and whether the number of the information segments is matched with the corresponding information in the database is determined.
6. The blockchain-based transaction information verification and settlement method of claim 5, further comprising receiving, by the processing device, a request to access a feature of the user account via a blockchain network; simultaneously obtaining transaction information for the user account from a database in communication with the processing device, automatically matching at least one of the transactions for the user account with at least one of the transaction information from the auxiliary sub-account for the user,
the transaction information of at least one user account corresponds to at least one transaction sent from the auxiliary sub-account to the user account so as to realize the matching of the transaction information, and if the transaction information does not exist, the data of the transaction information is discarded; at the same time, selecting at least one matched transaction information in the transaction information of the user account, and generating one or more transaction information from the auxiliary sub-account for first ownership verification of the user account so as to enable the user to access the characteristics of the user account based on the first ownership verification; wherein the characteristic comprises an original transaction party of the transaction information.
7. The blockchain-based transaction information verification and settlement method of claim 6, wherein the processing device updates the user's identity assurance level and allows the user to access the features associated with the user account according to a first verification of ownership of the user account by the user;
if at least one of the transaction information of the user account is matched with at least one of the transaction information from the auxiliary sub-account; the transaction information for the user account and the transaction information for the secondary sub-account are stored in a database by the processing device.
8. The blockchain-based transaction information verification and settlement method according to claim 7, wherein the method includes extracting a plurality of pieces of information from the transaction information table, comparing the number of pieces of information with corresponding information in the database to determine whether the number of pieces of information matches corresponding information in the database;
if the number of the information segments matched with the corresponding transaction information in the database exceeds a set threshold value, transmitting a first message to a block chain network;
if the number of the information segments which are not matched with the corresponding information in the database does not exceed a set threshold value, sending a second message to the block chain network;
wherein the first message includes a transaction information table verifying that the transaction information table is authentic; the second message includes a verification result informing the requester to check the transaction information table.
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