CN113850589A

CN113850589A - Credit-granting contactless payment method based on block chain technology

Info

Publication number: CN113850589A
Application number: CN202010593521.8A
Authority: CN
Inventors: 冯为嘉; 孙德兵; 张哲宇; 于文清; 何淼; 邢昊瞳; 赖泉英
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-06-27
Filing date: 2020-06-27
Publication date: 2021-12-28

Abstract

A trust contactless payment method based on a block chain technology. The invention solves the problems that the traditional contactless payment mode is unsafe, information can be distorted in the payment process, huge loss can be caused to merchants or consumers, the payment process cannot be analyzed, and the maximum loss cannot be reduced for the name commodities of the consumers.

Description

Credit-granting contactless payment method based on block chain technology

Technical Field

The invention relates to innovations and integration of dirty contactless payment and blockchain technologies.

Background

It is well known that data hackers, malware downloads, phishing fraud, and more forms of data disclosure are rampant in many industries, including the financial industry. While bitcoin, driven by blockchain technology, allows anyone to create any number of purses. All bitcoin transactions are linked to a key or PIN attached to the wallet. A person may have many purses and therefore keys. This means that identity theft, fraud or any form of data leakage can be eliminated per se, as any one user can be completely anonymous. Blockchain techniques for creating digital currency enable payments, particularly high-risk international payments, to be simpler and safer for individuals and businesses. The invention applies the block chain technology and the contactless payment technology, realizes automatic payment after credit granting of the consumer in unmanned new retail and consumer credit chaining, and realizes contactless trusted payment and contactless trusted settlement. The distributed account book technology based on the block chain technology has the characteristics of safety, anonymity and the like to carry out 'signed payment', constructs a payment platform which receives high trust of customers and belongs to merchants, and solves the problem of fund deposit.

Disclosure of Invention

Technical problem to be solved

Aiming at the defects of the prior art, the invention provides a contactless payment scheme based on a block chain technology, which has the advantages of protecting the payment safety of a payment mode, avoiding the payment inaccuracy and instability of a consumer and the like, and solves the problems of leakage danger of personal privacy of a consumer terminal and increased consumption economic cost of the consumer.

(II) technical scheme

The invention is based on a block chain technology, wherein a block chain is a string of data blocks which are associated and generated by using a cryptographic method, and each data block comprises information of all network transactions in the past ten minutes and is used for verifying the validity (anti-counterfeiting) of the information and generating a next block. The block chain technology has the advantages of decentralization, convenience, rapidness, high safety, high accounting speed, low cost, mutual supervision and verification and the like. A point-to-point payment mode is created through a block chain technology, and the intermediate link of a third-party financial institution is eliminated, so that the all-weather payment, instant account arrival and cash withdrawal are easy, the invisible cost is avoided, the fund risk of cross-border e-commerce is reduced, and the convenience requirement of the cross-border e-commerce on payment clearing service is met.

(III) advantageous effects

1. The contactless payment system based on the block chain technology achieves the effects of safety, privacy and stability through the arrangement of the first public storage server, the second public storage server, the third public storage server and the fourth public storage server.

2. The invention is based on the contactless payment of the block chain technology, and achieves the effect of high safety during contactless payment through the arrangement of the wireless input module, the block chain password module, the password identification module and the payment module, and achieves the effect that the economic benefit of users is not lost.

3. The invention is based on the contactless payment of the block chain technology, and achieves the effect that the use condition of illegal theft of a consumer terminal cannot occur through the setting of the identity verification module.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention without limiting the invention. In the figure:

FIG. 1 is a block diagram of a system according to patent example 1 of the present invention;

FIG. 2 is a schematic view of patent example 2 of the present invention;

FIG. 3 is a schematic diagram of a proprietary payment unit system of the present invention;

Detailed Description

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

Unlike the centralization mode of the traditional payment system, the payment system based on the block chain is a typical decentralization mode; each trust node is equal, no centralized special node and hierarchical structure exist, and each trust node in the payment system can independently perform accounting processing and store account information and can directly interact with each other. In the embodiment of the present invention, each trust node corresponds to a server used by one provider, and each provider and its corresponding server are collectively represented by each trust node in the following description.

Each trust node can be independently booked, so that the security of each trust node is particularly important, and the Public Key Infrastructure (PKI) technology is adopted by the block chain-based payment system to ensure the confidentiality, integrity and anti-repudiation of node bookings.

The implementation process of determining the trust node by the payment system based on the block chain in the embodiment of the present invention is shown in fig. 3, and specifically includes:

firstly, each node constructs a key pair; wherein the private key is used for decryption and digital signature, and the public key is used for encryption and signature verification

Here, the transmitting end node encrypts the file using the public key of the receiving end node, and the receiving end node decrypts the file using its own private key, thereby implementing the encryption and decryption processes.

In addition, the receiving end node can verify the validity of the file from the sending end node through the public key of the receiving end node by using the private key of the sending end node for digital signature.

Next, each node sends a Public-key Cryptography Standards (PKCS) request to a Certificate Authority (CA);

in order to implement the above payment method based on the blockchain, an embodiment of the present invention further provides a payment system, where the system includes at least two trust nodes, and the trust nodes are nodes that receive a key certificate.

The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention.

Claims

1. The trust granting contactless payment method based on the block chain technology is characterized in that: the payment information chaining is realized, the safety problem in the payment process of new unmanned retail is solved by combining the block chain and new unmanned retail, the payment process is subjected to 'chaining' operation, the safety of transactions is guaranteed through cryptography, the block chain and contactless payment can be combined to trace the source of each ratio transaction, the inquiry and recording of each ratio transaction are guaranteed, and the processing speed and efficiency of payment services are remarkably improved.

2. The blockchain technique of claim 1, wherein: the records for each transaction may be "uplinked" and the transaction information stored by the distributed server.

3. The blockchain transaction information of claim 2, wherein the chaining is performed by cryptographically encrypting each transaction record of the blockchain to ensure the reliability of the transaction information.

4. The transaction tracing method of claim 1, wherein: the source tracing of each ratio transaction can be carried out through the combination of the block chain and the contactless payment, and each ratio transaction is guaranteed to be safe.

5. A cryptographic encryption function as claimed in claim 3, employing pos (proof of stamp) encryption, the pos (proof of stamp) essentially employing proof of rights instead of proof of computing power of PoW, accounting rights being obtained by the most rights node instead of the most computing power node.