CN114596081A - Bank industry feature code transfer method and system based on block chain - Google Patents

Abstract

The invention discloses a bank industry feature code transfer method and system based on a block chain, which comprises the following steps: step 1: the transfer party sends a transfer request carrying a transfer party industry feature code, a receiver industry feature code and a transfer amount, and sends the transfer request to the block chain network after carrying out hash coding on the transfer request at the client; step 2: decoding and identifying information carried in the virtual account transfer request by the blockchain network, pushing the information of the virtual account transfer request to a receiving bank server, and returning a transfer confirmation message to the client; and step 3: after the transfer party confirms the transfer, the transfer party processes the transfer request, completes the transfer and returns the transfer transaction result; meanwhile, accounting operation is carried out on the block chain network, and the payee is informed to finish transferring. The invention realizes the requirement that the customer only inputs the industry feature code instead of the bank account number to carry out account transfer or payment, and weakens the account logical relationship taking the bank account number as the main body.

Description

Bank industry feature code transfer method and system based on block chain

Technical Field

The invention relates to the technical field of finance, in particular to a bank industry feature code transfer method and system based on a block chain.

Background

Transfer accounts are a bank money settlement method in which money is transferred from a payment account to a payment account by a bank to complete money collection and payment without directly using cash. It is developed gradually with the development of banking industry. When the settlement amount is large and the space distance is long, the transfer account settlement is used, so that the purposes of safety and rapidness can be achieved. In modern society, most commodity transactions and monetary payments are made through account transfer.

With the continuous development of business requirements, more and more enterprises have more personalized requirements on bank transfer business. However, in the current bank transfer business, mainly from the bank perspective, a bank account is taken as a carrier, and a customer transfers money across banks by selecting information such as bank category, account number, account name and the like. However, for the customers, the account numbers of all banks are different in rules and length, so that the customers are inconvenient to remember and use, and the customers are more familiar with the daily used feature codes of the civil industry.

For example, patent with application number CN202110484443.2 discloses a block chain-based transfer service processing method and device, the method includes: receiving a transfer request initiated by a receiving user through a receiving end; according to the transfer request, inquiring the collection account information of the collection user from the block chain network, and receiving the transfer amount input by the collection user through a collection end; generating a transfer request message according to the receiving account information and the transfer amount, and sending the generated transfer request message to a payment end of a payment user; receiving a transfer confirmation message returned by the payment user through the payment end, and inquiring payment account information of the payment user from the blockchain network according to the transfer confirmation message; and executing the transfer service from the payment account to the collection account according to the payment account information, the collection account information and the transfer amount. The scheme can avoid the condition that the transfer transaction fails due to the input error of the information of the payee, and improve the processing efficiency of the transfer service; only the problem that when an individual transfers money, the account of a payee does not need to be memorized is solved, but the method is not applicable to enterprises.

Disclosure of Invention

The invention aims to overcome the defects of the prior art, and hopefully, under the condition of not changing the operation habit of a customer as much as possible, the bank transfer service or the payment service is realized through the industry characteristic code (such as an electric card number, a water card number and the like) of a non-bank account, so that the bank industry characteristic code transfer method and the system based on the block chain are provided.

The purpose of the invention is realized by the following technical scheme:

a bank industry feature code transfer method based on a block chain comprises the following steps:

step 1: the transfer party sends a transfer request carrying a transfer party industry feature code, a receiver industry feature code and a transfer amount, and sends the transfer request to the block chain network after carrying out hash coding on the transfer request at the client;

step 2: decoding and identifying information carried in the virtual account transfer request by the blockchain network, pushing the information of the virtual account transfer request to a receiving bank server, and returning a transfer confirmation message to the client;

and step 3: after the transfer party confirms the transfer, the transfer party processes the transfer request, completes the transfer and returns the transfer transaction result; meanwhile, accounting operation is carried out on the block chain network, and the payee is informed to finish transferring.

Furthermore, the transfer party industry feature code and the payee industry feature code are provided with respective industry identifications, information collection and registration are carried out on industry clients with transfer requirements based on the industry feature codes, and unified registration and registration are carried out on a bank background by collecting the logic comparison relation among the industry feature codes, regions and bank enterprise account comparison, so that the unique industry feature code is generated.

Further, the hash coding of the transfer request by the client in the step 1 specifically includes: and the client arranges the information in sequence, processes the information by using a hash function, calculates to obtain a hash value and sends the hash value.

Further, the step 2 specifically includes the following sub-steps:

step 201: after the virtual account transfer request is sent to any node of the block chain network, the node is used as a virtual account node;

step 202: after receiving the transfer request, the virtual account node verifies the hash value of the transfer request and records the transfer request passing the verification to a block chain; then decoding is carried out, and the user identity identification, the service information, the transfer account, the collection account and the transfer amount information are identified;

step 203: and the virtual account number node pushes the transfer request to a receiving bank server, finds the virtual node of the receiving account and returns a transfer confirmation message to the client.

Further, before returning a transfer transaction result after completing the transfer in the step 3, the method further comprises the steps of verifying the transfer account number, the collection account number and the transfer amount in the transfer request, returning the transfer transaction result after the verification is passed, and recording the transfer transaction result to the blockchain network.

A bank industry feature code transfer system based on a block chain comprises a transfer bank client, a block chain network, a collection bank server and an industry feature code management module;

the transfer bank client comprises a request sending module and a request generating module; the request sending module is used for generating a corresponding hash value of the transfer party industry feature code, the payee industry feature code and the transfer amount and sending a transfer request of a bank account; the request generation module is used for the account transfer party to edit and generate a transfer request of a bank account;

the receiving bank server comprises a request receiving module and a result returning module; the request receiving module is used for receiving a virtual account transfer request pushed by a block link network to obtain a transfer account, a collection account and a transfer amount; the result returning module is used for returning a transfer transaction result according to the virtual account transfer request;

the block chain network is used for receiving a transfer request of a transfer bank client, analyzing data according to the analysis of the hash value, performing logic judgment and conversion processing on the feature code and the account name through a transfer party industry feature code, a transfer amount and a receiving party industry feature code submitted by a client to obtain a corresponding receiving party bank in-line service, performing request recording operation in a block chain system, and sending the request to a corresponding receiving bank server;

the industry feature code management module is used for acquiring and registering information of industry clients with transfer requirements based on industry feature codes, and performing unified registration and registration in a bank background by acquiring logical comparison relations among the industry feature codes, regions and bank enterprise account comparison to generate unique industry feature codes.

The invention has the beneficial effects that: after the invention is used, a user only needs to pay attention to the code distributed to the user by an enterprise, but does not need to pay attention to the specific account opening bank website of the enterprise, what the used account number rule is, what the account number is, and only needs to input the own exclusive industry feature code and the industry feature code of the other side account plus the transfer amount; the bank converts the input information into a hash value containing information such as user identification, service information, payment account, collection account, transfer amount and the like according to the logic contrast relation, and the client sends the hash value to the block chain network; after the validity of the virtual transfer request is verified through the block chain network, decoding is carried out, and the generated transfer request message is sent to a payment end of a payment user; then, the transfer confirmation message returned by the payment end uses the block chain to carry out accounting operation; thereby realizing the financial transfer of the enterprise account corresponding to the feature code; the financial logic relation with the bank account as the main body is weakened, and a more convenient financial processing mode is provided for customers from the aspects of industrial characteristics and user operation habits; finally, the requirement that the customer only inputs the industry feature code instead of the bank account number to carry out account transfer or payment is met.

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 structures shown in the drawings without creative efforts.

FIG. 1 is a flow chart of the method of the present invention.

Fig. 2 is a functional block diagram of the system of the present invention.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

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.

Embodiment 1, as shown in fig. 1, a method for bank industry feature code transfer based on a blockchain includes the following steps:

step 1: the transfer party sends a transfer request carrying a transfer party industry feature code, a receiver industry feature code and a transfer amount, and sends the transfer request to the block chain network after carrying out hash coding on the transfer request at the client;

step 2: decoding and identifying information carried in the virtual account transfer request by the blockchain network, pushing the information of the virtual account transfer request to a receiving bank server, and returning a transfer confirmation message to the client;

and step 3: after the transfer party confirms the transfer, the transfer party processes the transfer request, completes the transfer and returns the transfer transaction result; meanwhile, accounting operation is carried out on the block chain network, and the payee is informed to finish transferring.

And 3, before returning a transfer transaction result after completing the transfer, verifying the transfer account number, the collection account number and the transfer amount in the transfer request, returning the transfer transaction result after passing the verification, and recording the transfer transaction result on the blockchain network.

The transfer party industry feature code and the payee industry feature code are provided with respective industry identifications, information collection and registration are carried out on industry clients with transfer requirements based on the industry feature codes, and unified registration is carried out on a bank background through collecting the logic comparison relation among the industry feature codes, regions and bank enterprise account comparison, so that the unique industry feature code is generated.

The step 1, in which the client performs hash coding on the transfer request specifically includes: and the client arranges the information in sequence, processes the information by using a hash function, calculates to obtain a hash value and sends the hash value.

The step 2 specifically comprises the following substeps:

step 201: after the virtual account transfer request is sent to any node of the block chain network, the node is used as a virtual account node;

step 202: after receiving the transfer request, the virtual account node verifies the hash value of the transfer request and records the transfer request passing the verification to a block chain; then decoding is carried out, and the user identity identification, the service information, the transfer account, the collection account and the transfer amount information are identified;

step 203: the virtual account node pushes the transfer request to a receiving bank server, finds the virtual node of the receiving account and returns a transfer confirmation message to the client.

Embodiment 2, as shown in fig. 2, a system for bank industry feature code transfer based on a block chain includes a transfer bank client, a block chain network, a collection bank server, and an industry feature code management module;

the transfer bank client comprises a request sending module and a request generating module; the request sending module is used for generating a corresponding hash value of the transfer party industry feature code, the payee industry feature code and the transfer amount and sending a transfer request of a bank account; the request generation module is used for the account transfer party to edit and generate a transfer request of a bank account;

the receiving bank server comprises a request receiving module and a result returning module; the request receiving module is used for receiving a virtual account transfer request pushed by a block chain network and obtaining a transfer account, a collection account and a transfer amount; the result returning module is used for returning a transfer transaction result according to the virtual account transfer request;

the block chain network is used for receiving a transfer request of a transfer bank client, analyzing data according to the analysis of the hash value, performing logic judgment and conversion processing on the feature code and the account name through a transfer party industry feature code, a transfer amount and a receiving party industry feature code submitted by a client to obtain a corresponding receiving party bank in-line service, performing request recording operation in the block chain system, and sending the request to a corresponding receiving bank server;

the industry feature code management module is used for acquiring and registering information of industry clients with transfer requirements based on industry feature codes, and performing unified registration and registration in a bank background by acquiring logic comparison relations among the industry feature codes, regions and bank enterprise account comparison to generate unique industry feature codes.

The client side of the transfer bank mainly realizes the input and the request of client information; the block chain network is responsible for carrying out operations such as checking, processing and accounting on the request submitted by the client; and the service end of the collection bank is responsible for receiving and implementing the transfer.

Specifically, the client of the transfer bank realizes interaction with the client, provides visual, friendly and real-time data presentation and interaction interfaces, and is usually mobile phone banking apps or internet banking of various banks. The customer inputs the financial transfer elements through a client interface, and the elements are mainly bank classification, industry feature codes, payee industry feature codes and money. The client side realizes data acquisition and data inspection, generates a hash value, transmits data to the block chain network and transmits a client side submission instruction. And after the client submits the elements, the client performs basic data check, and performs error prompt on the elements which do not meet the data requirement, and submits the elements to the block chain network for processing if the data are correct.

Specifically, the blockchain network is responsible for receiving elements submitted by the client, analyzing data according to the analysis of the hash value, logically judging and converting the feature codes and account names through the elements such as transfer line feature codes, money amounts and collection line feature codes submitted by the client to obtain corresponding in-bank services of the collection party, recording request operation in the blockchain system, and sending the request to the corresponding collection line server.

Specifically, the service end of the payee bank utilizes a complete financial system of the bank to finally realize the transfer of funds to the enterprise account. And when the fund transfer is completed, returning the result to the blockchain network for accounting, and then displaying by the client.

With the continuous development of business requirements, more and more enterprises have more personalized requirements on bank transfer business.

The invention expects to realize bank transfer business or payment business through the industry characteristic code (such as electric card number, water card number and the like) of the non-bank account under the condition of not changing the operation habit of the customer as much as possible, and the customer only needs to pay attention to the code distributed to the customer by the enterprise, but does not need to pay attention to the specific account opening bank network point of the enterprise, what the used account number rule is, what the account number is, and only needs to input the industry characteristic code special for the customer and the industry characteristic code of the other side account plus the transfer amount. The bank converts the input information into a hash value containing information such as user identification, service information, payment account, collection account, transfer amount and the like according to the logic contrast relation, and the client sends the hash value to the block chain network. After the validity of the virtual transfer request is verified through the block chain network, decoding is carried out, and the generated transfer request message is sent to a payment end of a payment user; and then, the transfer confirmation message returned by the payment terminal uses the block chain to carry out accounting operation. Therefore, the enterprise account corresponding to the feature code is transferred. The demand weakens the financial logic relationship taking bank account numbers as main bodies, and provides a more convenient financial processing mode for customers from the aspects of industrial characteristics and user operation habits.

It should be noted that, for simplicity of description, the above-mentioned embodiments of the method are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the order of acts described, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and elements referred to are not necessarily required in this application.

In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to the related descriptions of other embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a ROM, a RAM, etc.

The above disclosure is only for the purpose of illustrating the preferred embodiments of the present invention, and it is therefore to be understood that the invention is not limited by the scope of the appended claims.

Claims (6)

1. A bank industry feature code transfer method based on a block chain is characterized by comprising the following steps:

step 1: the transfer party sends a transfer request carrying a transfer party industry feature code, a receiver industry feature code and a transfer amount, and sends the transfer request to the block chain network after carrying out hash coding on the transfer request at the client;

step 2: decoding and identifying information carried in the virtual account transfer request by the blockchain network, pushing the information of the virtual account transfer request to a receiving bank server, and returning a transfer confirmation message to the client;

and step 3: after the transfer party confirms the transfer, the transfer party processes the transfer request, completes the transfer and returns the transfer transaction result; meanwhile, accounting operation is carried out on the block chain network, and the payee is informed of finishing the transfer.

2. The method for bank industry feature code transfer based on the blockchain as claimed in claim 1, wherein the transfer party industry feature code and the receiving party industry feature code both have respective industry identifiers, information of industry clients with transfer requirements based on the industry feature codes is collected and registered, and through collecting the logic comparison relationship among the industry feature codes, regions and bank enterprise account comparison, unified registration and registration are carried out on a bank background, and a unique industry feature code is generated.

3. The method for bank industry feature code transfer based on the blockchain as recited in claim 1, wherein the client hash-codes the transfer request in step 1 specifically: and the client arranges the information in sequence, processes the information by using a hash function, calculates to obtain a hash value and sends the hash value.

4. The method for bank industry feature code transfer based on a blockchain as recited in claim 1, wherein the step 2 specifically comprises the following substeps:

step 201: after the virtual account transfer request is sent to any node of the block chain network, the node is used as a virtual account node;

step 202: after receiving the transfer request, the virtual account node verifies the hash value of the transfer request and records the transfer request passing the verification to a block chain; then decoding is carried out, and the user identity identification, the service information, the transfer account, the collection account and the transfer amount information are identified;

step 203: and the virtual account number node pushes the transfer request to a receiving bank server, finds the virtual node of the receiving account and returns a transfer confirmation message to the client.

5. A method of banking industry feature code transfer based on blockchain as claimed in claim 1 wherein, before returning a transfer transaction result after completing the transfer in step 3, the method further comprises verifying the transfer account number, the collection account number and the transfer amount in the transfer request, returning the transfer transaction result only if the verification is passed, and recording the transfer transaction result on a blockchain network.

6. A bank industry feature code transfer system based on a block chain is characterized by comprising a transfer bank client, a block chain network, a collection bank server and an industry feature code management module;

the transfer bank client comprises a request sending module and a request generating module; the request sending module is used for generating a corresponding hash value of the transfer party industry feature code, the payee industry feature code and the transfer amount and sending a transfer request of a bank account; the request generation module is used for the account transfer party to edit and generate a transfer request of a bank account;

the receiving bank server comprises a request receiving module and a result returning module; the request receiving module is used for receiving a virtual account transfer request pushed by a block chain network and obtaining a transfer account, a collection account and a transfer amount; the result returning module is used for returning a transfer transaction result according to the virtual account transfer request;

the block chain network is used for receiving a transfer request of a transfer bank client, analyzing data according to the analysis of the hash value, performing logic judgment and conversion processing on the feature code and the account name through a transfer party industry feature code, a transfer amount and a receiving party industry feature code submitted by a client to obtain a corresponding receiving party bank in-line service, performing request recording operation in a block chain system, and sending the request to a corresponding receiving bank server;

the industry feature code management module is used for acquiring and registering information of industry clients with transfer requirements based on industry feature codes, and performing unified registration and registration in a bank background by acquiring logical comparison relations among the industry feature codes, regions and bank enterprise account comparison to generate unique industry feature codes.

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