CN114723452A - Payment account information query method, device, platform and system based on block chain - Google Patents
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Abstract
The embodiment of the invention provides a payment account information query method, device, platform and system based on a block chain. The method comprises the following steps: when a payment request is received, acquiring the identification information of a target object from the payment request; extracting identity associated information corresponding to the identity identification information of the target object from a block including real-name authentication information and a block including payment account information; respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information; when the identity associated information extracted from the block including the real name authentication information and the block including the payment account information is consistent, providing the payment account information in the block including the payment account information. The invention can realize that all payment account information is inquired by one key in the block chain consisting of the distributed nodes.
Description
Technical Field
The invention relates to the technical field of computer application, in particular to a payment account information query method, device, platform and system based on a block chain.
Background
The online payment refers to the action of transferring money and funds among the payees by relying on the Internet, and comprises money exchange, Internet payment, mobile phone payment, fixed-line phone payment, digital television payment and the like. The network payment takes a third-party payment mechanism as a payment service providing main body, takes open networks such as the internet and the like as payment channels, and forms a complete payment service flow among merchants, consumers and banks through payment interfaces between the third-party payment mechanism and each commercial bank.
The current network payment mode can be roughly divided into a gateway mode and a platform mode. Taking a gateway mode as an example, the mode is mainly characterized in that a third party payment gateway is added between an online merchant and a bank gateway, the third party payment gateway is responsible for integrating online banking interfaces of different banks, and provides uniform service services such as payment interfaces, settlement and reconciliation and the like for the online merchant. In the mode, the third-party payment mechanism integrates all the bank gateways (internet bank and telephone bank) on one platform, and a merchant and a consumer can be connected with a plurality of bank gateways by using one platform of the payment mechanism, so that one-point access is realized, and various bank card internet payment services are provided for the merchant and the consumer.
Taking e-commerce B2C transaction scenario as an example, the general business flow of payment gateway model is shown in fig. 1. During payment, after verifying the identity of the seller and confirming order information, the buyer needs to submit own bank card information to a third-party payment gateway, the third-party payment gateway sends the card number information and the payment information of the buyer to a corresponding bank gateway for authentication, the bank finishes money deduction after the authentication is passed, and a payment result is returned to the third-party payment gateway.
However, the existing payment scheme based on the third party payment gateway has several technical defects:
firstly, the existing scheme adopts a centralized access mode, a third party payment gateway needs to be in system butt joint with each bank gateway one by one, and the pressure of interface and service processing is high;
secondly, when a user uses a plurality of bank accounts to pay, account information verification and authorization operations need to be initiated to a payment bank one by one through a payment gateway, a plurality of bank card payment services are completed asynchronously, and the service processing efficiency is low;
thirdly, the user information has security risks:
the payment platform stores a large amount of user personal information and bank account information, and once the information is acquired by a lawbreaker, the consequences are unreasonable;
the user needs to input sensitive information such as bank card numbers/passwords, identity card numbers and the like through Web/APP, the sensitive information of the user is easy to be intercepted by a phishing website or a hacker to cause leakage, and potential safety hazards exist.
Disclosure of Invention
The invention provides a payment account information query method, device, platform and system based on a block chain.
To solve the above technical problem, an embodiment of the present invention provides the following solutions:
a payment account information query method based on a blockchain is characterized by comprising the following steps:
when a payment request is received, acquiring the identification information of a target object from the payment request;
extracting identity associated information corresponding to the identity recognition information of the target object from the block including the real-name authentication information and the block including the payment account information;
respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
when the identity associated information extracted from the block including the real-name authentication information is consistent with the block including the payment account information, providing the payment account information in the block including the payment account information.
Optionally, the extracting identity associated information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information includes:
inquiring a block which is matched with the target object and comprises real-name authentication information and a block which comprises payment account information according to the identification information of the target object;
and respectively extracting identity associated information corresponding to the identity identification information of the target object from the inquired block comprising the real-name authentication information and the block comprising the payment account information.
Optionally, comparing the identity-related information extracted from the block including the real-name authentication information with each block including the payment account information respectively, includes the following steps:
and respectively comparing the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information with each block comprising the payment account information, and when the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and the block comprising the payment account information is consistent, judging that the identity related information extracted from the block comprising the real-name authentication information and the block comprising the payment account information is consistent.
Optionally, the block including the real-name authentication information is formed by the following steps:
performing hash encryption on the real-name authentication information and chaining;
and performing consensus on the real-name authentication information which is subjected to hash encryption and uplink to form the block comprising the real-name authentication information.
Optionally, the block including the payment account information is formed by:
carrying out hash encryption on the payment account information and chaining;
and carrying out consensus on the payment account information which is subjected to hash encryption and uplink so as to form the block comprising the payment account information.
Optionally, the method further comprises the following steps:
when receiving an update request of real-name authentication information or payment account information, performing hash encryption on the updated real-name authentication information or payment account information and chaining;
and carrying out consensus on the real-name authentication information or the payment account information which is subjected to hash encryption and uplink so as to form a new block comprising the real-name authentication information or the payment account information.
Optionally, the real-name authentication information includes at least two of a mobile phone number, an identification number, biometric identification information, a name and terminal information, and the payment account information includes the real-name authentication information, a payment account and a name of a payment institution to which the payment account belongs.
Optionally, the identification information and the identification associated information of the target object are at least one of a mobile phone number, an identification number, biometric information, a name, and terminal information, where the identification information of the target object is different from the identification associated information.
The embodiment of the present invention further provides a device for inquiring payment account information based on a blockchain, including:
the system comprises an acquisition module, a payment module and a processing module, wherein the acquisition module is used for acquiring the identification information of a target object from a payment request when the payment request is received;
the first processing module is used for extracting identity association information corresponding to the identity identification information of the target object from a block comprising real-name authentication information and a block comprising payment account information;
the second processing module is used for respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
and the third processing module is used for providing the payment account information in the block comprising the payment account information when the identity associated information extracted from the block comprising the real-name authentication information is consistent with the identity associated information extracted from the block comprising the payment account information.
The embodiment of the invention also provides a blockchain network platform for payment, which comprises a DAPP, a third party payment node with the basic function of the blockchain, an operation node and a plurality of payment mechanism nodes, wherein the plurality of payment mechanism nodes respectively correspond to different payment mechanisms;
the DAPP, for querying payment account information according to the block chain-based payment account information querying method of any one of claims 1 to 8;
and the third party payment node is used for receiving the payment request and carrying out authentication and deduction on of the payment account according to the payment account selected by the target object.
An embodiment of the present invention further provides a blockchain network system for payment, including:
a blockchain network platform for payments;
a third party payment authority gateway for accessing the blockchain network platform for payments by providing a payment node;
an operator real-name authentication platform for accessing the blockchain network platform for payments by providing an operator node;
a plurality of direct payment authority gateways, each direct payment authority gateway node for accessing the blockchain network platform for payments by providing a payment authority node.
Embodiments of the present invention also provide a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method as described above.
The scheme of the invention at least comprises the following beneficial effects:
according to the scheme, the payment account information query method based on the block chain is applied, and when a payment request is received, the identity identification information of a target object is obtained from the payment request; extracting identity associated information corresponding to the identity recognition information of the target object from the block including the real-name authentication information and the block including the payment account information; respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information; when the identity associated information extracted from the block comprising the real-name authentication information is consistent with the identity associated information extracted from the block comprising the payment account information, providing the payment account information in the block comprising the payment account information, calling the block comprising the real-name authentication information and the identity associated information corresponding to the identity identification information of the target object in the block comprising the payment account information, providing the payment account information in the block comprising the payment account information consistent with the identity associated information in the block comprising the real-name authentication information to a user, and realizing one-key inquiry of all the payment account information in a block chain consisting of distributed nodes.
Drawings
Fig. 1 is a B2C payment process based on a third party payment gateway in the prior art;
FIG. 2 is a flowchart of a payment account information query method based on a blockchain according to an embodiment of the present invention;
fig. 3 is a flowchart of a specific implementation of a payment account information query method based on a blockchain according to an embodiment of the present invention;
FIG. 4 is a block chain network architecture diagram for payment according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating a third exemplary embodiment of the present invention for uplink authentication information of a third operator;
FIG. 6 is a flowchart of a third exemplary embodiment of the present invention for linking information to a bank user account;
fig. 7 is a flowchart illustrating a process of checking bank account information based on a mobile phone number according to a third embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.
The embodiment of the invention provides a payment account information query method based on a block chain.
Referring to fig. 2, the payment account information query method based on the blockchain of the embodiment includes the following steps:
and step 24, when the identity associated information extracted from the block comprising the real-name authentication information is consistent with the identity associated information extracted from the block comprising the payment account information, providing the payment account information in the block comprising the payment account information.
This embodiment may enable one-touch queries of all payment account information in a blockchain consisting of distributed nodes.
As shown in fig. 3, a specific implementation of the method includes:
s110, monitoring whether a payment request is received in real time:
s120, acquiring the identification information of the target object from the payment request;
s130, inquiring a block which is matched with the target object and comprises real-name authentication information and a block which comprises payment account information according to the identification information of the target object;
s140, extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information, respectively;
s150, respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
s160, determining whether the identity related information extracted from the block including the real name authentication information and the block including the payment account information is consistent:
and S170, providing the payment account information in the block comprising the payment account information.
The identification information of the target object in step S120 and the identification related information in step S140 are at least one of a mobile phone number, an identification number, biometric information, a name, and terminal information, wherein the identification information of the target object is different from the identification related information.
The block including the real-name authentication information in step S130 is formed by:
performing hash encryption on the real-name authentication information and chaining;
and performing consensus on the real-name authentication information which is subjected to hash encryption and uplinked to form the block comprising the real-name authentication information.
The block including the payment account information in step S130 is formed by:
carrying out hash encryption on the payment account information and chaining;
and carrying out consensus on the payment account information which is subjected to hash encryption and uplink so as to form the block comprising the payment account information.
The real-name authentication information in step S130 includes at least two of a mobile phone number, an identification number, biometric identification information, a name, and terminal information, and the payment account information in step S130 includes the real-name authentication information, a payment account, and a name of a payment institution to which the payment account belongs.
In step S150, comparing the identity-related information extracted from the block including the real-name authentication information and each block including the payment account information respectively includes the following steps:
respectively comparing the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and each block comprising the payment account information, and when the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and the block comprising the payment account information are consistent, judging that the identity related information extracted from the block comprising the real-name authentication information and the block comprising the payment account information is consistent.
The method of this embodiment further comprises the steps of:
when a request for updating the real-name authentication information or the payment account information is received, performing hash encryption on the updated real-name authentication information or the updated payment account information and uploading the information;
and carrying out consensus on the real-name authentication information or the payment account information which is subjected to hash encryption and uplink so as to form a new block comprising the real-name authentication information or the payment account information.
According to the payment account information query method based on the block chain, the blocks which are matched with the target object and comprise the real-name authentication information and the blocks which comprise the payment account information are queried according to the identity identification information of the target object, identity associated information which is extracted from the blocks which comprise the real-name authentication information and each block which comprises the payment account information and corresponds to the identity identification information is compared respectively, double verification is achieved, and the user account safety is improved.
According to the payment account information query method based on the block chain, query and verification of user real-name authentication information and other key information can be completed based on identity identification information such as a user mobile phone number, all bank account information is synchronously queried at one time through the world state of the block chain, the account information verification efficiency in the payment process can be greatly improved, sensitive information does not need to be input by a user side, and the risk of leakage of the sensitive information of the user can be reduced.
In order to solve the above technical problems in the prior art, an embodiment of the present invention provides a payment method based on a block chain.
The payment method based on the block chain comprises the following steps:
inquiring payment account information according to the payment account information inquiry method based on the block chain in the first embodiment for selecting the target object;
and carrying out authentication and deduction on the payment account according to the payment account selected by the target object.
In order to solve the above technical problems in the prior art, an embodiment of the present invention provides a blockchain network platform for payment.
The blockchain network platform for payment in this embodiment includes a DAPP, a third party payment node having a basic function of a blockchain, an operation node, and a plurality of payment mechanism nodes, where the plurality of payment mechanism nodes respectively correspond to different payment mechanisms;
the DAPP is configured to query payment account information according to the payment account information query method based on the blockchain in the first embodiment;
and the third party payment node is used for receiving the payment request and carrying out authentication and deduction on of the payment account according to the payment account selected by the target object.
In order to solve the above technical problems in the prior art, an embodiment of the present invention provides a blockchain network system for payment.
As shown in fig. 4, the blockchain network system for payment of the embodiment includes:
the blockchain network platform for payments of embodiment two;
a third party payment authority gateway for accessing the blockchain network platform for payments by providing a payment node;
an operator real-name authentication platform for accessing the blockchain network platform for payments by providing an operator node;
a plurality of direct payment authority gateways, each direct payment authority gateway node for accessing the blockchain network platform for payments by providing a payment authority node.
In an actual application scenario, a payment gateway of a third-party payment institution, each bank gateway serving as a direct payment institution gateway and an operator real-name authentication platform serve as blockchain participants to form an alliance chain, and the participants can access the blockchain platform to inquire and verify account information only by realizing blockchain DAPP without performing system butt joint.
The blockchain network platform for payments in fig. 4 is implemented as follows:
the block chain basic capability is realized by the block chain link points provided by each participant of the alliance chain, and the block chain basic capability comprises account book storage, intelligent contracts, a consensus mechanism, encryption and decryption and the like; and providing a DAPP capable of accessing a block chain network to realize operations such as data uplink, query, hash encryption and the like. The blockchain network platform for payment can record real-name authentication information (Hash value) of a user in each bank and operator, and can also record key information such as user fingerprint information, tokens and terminal information as an auxiliary authentication means, so that the security of a user account is improved.
The payment gateway of the third party payment mechanism is specifically realized as follows: the method provides various bank card internet payment services for merchants and consumers, and realizes the function of payment by using user identification information by using operator real-name authentication information authorized by a block chain network platform for payment and bank account information authorized by each bank gateway.
The operator real-name authentication platform is specifically realized as follows: and the system is responsible for managing and maintaining real-name authentication information of the user in the operator, wherein the real-name authentication information comprises identity identification information and identity association information of the user. In a specific embodiment, the identification information is a user mobile phone number, the identity related information includes fingerprint information, real-name information, terminal information, and the like, and the real-name authentication information is the identification information and the identity related information with a mapping relationship, and the real-name authentication information such as the user mobile phone number, the fingerprint information, the terminal information, and the like is subjected to hash encryption and then uplink transmission, and management and state updating of the user mobile phone number information are completed. And if the user changes the mobile phone number, the updated mapping relation between the mobile phone number and the identity association information is linked up synchronously.
Each bank gateway is specifically implemented as follows: the system is responsible for managing and maintaining account information (including user identity information, reserved mobile phone numbers, bank account numbers and the like) of a user in a bank and other authentication information (including fingerprint information, terminal information and the like) of the user, and chaining information such as mobile phone number information, real-name information, other authentication information (hash encryption), bank account numbers and the like bound with a user bank card. In a specific embodiment, the identification information is a user mobile phone number, when a user initiates a mobile phone number payment request, real-name authentication information hash values of the user in an operator and a bank are compared through a block chain intelligent contract, mobile phone number payment can be supported after verification is passed, a user bank account list is returned, and the completion of subsequent business processes such as user account authentication, deduction and the like is supported.
With the mobile phone number of the user as the identification information in the payment request, the application of the blockchain network system for payment in the embodiment in an actual scene is as follows: the operator and the bank obtain the user real name information and other key information (such as fingerprint information, face information, terminal information and the like), and uplink is carried out after hash encryption is carried out through the DAPP. The payment gateway of the third-party payment mechanism acquires a service transaction request (including a mobile phone number of a transaction object) of a user, initiates a user real-name information verification and account information inquiry process, and returns a user information verification result and a bank account information list passing verification according to the world state of the user in the block chain.
In one embodiment, as shown in fig. 5, the uplink procedure of the operator real name authentication information includes: the DAPP carries out hash encryption on the real-name authentication information and carries out chain linking; and the operation node performs consensus on the hash-encrypted and uplink real-name authentication information to form the block comprising the real-name authentication information.
In one embodiment, as shown in fig. 6, the uplink process of the bank user account information includes: the DAPP carries out hash encryption on the payment account information and links the payment account information upwards; and the bank node recognizes the hash-encrypted and chained payment account information to form the block comprising the payment account information.
In one embodiment, as shown in fig. 7, the process of checking the bank account information based on the mobile phone number includes: if the value in the first world state of a certain business object attribute Phone _ Num is 0, the Phone _ Num is determined to fail to verify the real-name authentication and not support number payment transaction; if the value is 1, it indicates that at least one bank account of the Phone _ Num passes real-name authentication and verification, and returns all the bank account lists recorded in the second world state as a response to the user to complete the subsequent number payment transaction process.
In one embodiment, the data structures of the blocks of the block chain including the real-name authentication information and the blocks including the payment account information are as follows:
each bank gateway and the operator real-name authentication platform encrypt the key information of the user (including but not limited to the mobile phone number, the name, the identification number, the bank account information, the fingerprint information, the face information, the terminal information and the like of the user) and form a block after common identification, wherein the data structure stored in the block comprising the real-name authentication information is shown in table 1, and the data structure of the block comprising the payment account information is shown in table 2.
TABLE 1
TABLE 2
In a specific embodiment, the identification information in the payment request is a mobile phone number, and the world state of the blockchain is as follows: based on the block transaction records, in a world state, a certain service object attribute Phone _ Num mobile Phone number is used as a key value, and a Name (hash), an Id _ Num identity card number (hash), Other identity information (such as a fingerprint hash, a face hash, a terminal hash and the like) field in operator real-Name authentication information is written into the value. Meanwhile, calling an intelligent contract to traverse and verify the account information of the business object attribute Phone _ Num mobile Phone number in each bank gateway, and recording the verification result in a world state. World states include two groups of states:
the first world state is: comparing the verification results of the field values of name (hash), Id _ Num (hash), Other _ Id (hash) and the field values of Other gateway in the operator real name authentication information and the account information of each bank gateway to a certain service object attribute Phone _ Num, wherein the value is 1 if the field values are verified to be consistent, and the value is 0 if the field values are not consistent.
key＝Phone_Num,value＝{0,1}
When the value of a certain business object attribute Phone _ Num in the first state is 1, all Account attributes Account _ Num Bank Account numbers and Bank _ Name Bank names which pass the Phone _ Num check are recorded in the second world state.
key＝Phone_Num,value＝{Name＝Name(hash),ID＝Id_Num(hash),Other＝Other_ID(hash),Bank_Name_1＝ICBC,Account_Num_1＝XXX,Bank_Name_2＝CCB,Account_Num_2＝XXX,Bank_Name_3＝BOC,Account_Num_3＝XXX……}
The second world state is shown in table 3 below:
TABLE 3
In the block chain network system for user payment in this embodiment, the real-name authentication information of the operator and the bank and other key information (hash value) are identified and linked up, so that the user is supported to complete the information query and verification process of the bank account only by providing a mobile phone number.
According to the blockchain network system for user payment, double verification is carried out on real-name authentication information and other key information (including but not limited to user identity information, fingerprint information, face information, terminal information and the like) reserved by a user in an operator and a bank, so that the safety problem caused by non-self operation or mobile phone embezzlement can be avoided, and the safety of a user account is improved.
In the user payment blockchain network system of the embodiment, in the bank account information inquiry process, the third party payment gateway, the bank gateways and the operator real-name authentication platform do not need to be in system butt joint one by one, and each participant can access the number payment blockchain system only by realizing the blockchain DAPP, so that the system is small in modification, and meanwhile, the third party payment gateway interface inquiry and service processing pressure can be reduced.
The blockchain network system for user payment of the embodiment generates the world state by using the user real name information (including but not limited to the mobile phone number and the name) and other key information (including but not limited to the user identification number, the fingerprint information, the face information, the terminal information and the like); whether the user number supports number payment service is quickly judged according to the first world state; and synchronously inquiring all the verified bank account information through the second world state, and realizing simultaneous inquiry of a plurality of bank accounts in a block chain consisting of distributed nodes, so that a user can safely, quickly and efficiently pay by using the bank accounts.
The blockchain network system for user payment in the embodiment utilizes a blockchain technology, queries and completes matching and verification of real-name information and other key information of a user in an operator and a bank through identity identification information of the user, such as a mobile phone number, records a verification result into a world state, supports one-point query through a blockchain and provides all verified bank account list information of the user, and improves information security and account checking efficiency in the user payment process.
The embodiment of the present invention further provides a device for inquiring payment account information based on a blockchain, including:
the system comprises an acquisition module, a payment module and a processing module, wherein the acquisition module is used for acquiring the identification information of a target object from a payment request when the payment request is received;
the first processing module is used for extracting identity association information corresponding to the identity identification information of the target object from a block comprising real-name authentication information and a block comprising payment account information;
the second processing module is used for respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
and the third processing module is used for providing the payment account information in the block comprising the payment account information when the identity associated information extracted from the block comprising the real-name authentication information is consistent with the identity associated information extracted from the block comprising the payment account information.
Optionally, the extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information includes the following steps:
inquiring a block which is matched with the target object and comprises real-name authentication information and a block which comprises payment account information according to the identity identification information of the target object;
and respectively extracting identity associated information corresponding to the identity identification information of the target object from the inquired block comprising the real-name authentication information and the block comprising the payment account information.
Optionally, comparing the identity-related information extracted from the block including the real-name authentication information with each block including the payment account information respectively, includes the following steps:
respectively comparing the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and each block comprising the payment account information, and when the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and the block comprising the payment account information are consistent, judging that the identity related information extracted from the block comprising the real-name authentication information and the block comprising the payment account information is consistent.
Optionally, the block including the real-name authentication information is formed by:
carrying out hash encryption on the real-name authentication information and chaining the real-name authentication information;
and performing consensus on the real-name authentication information which is subjected to hash encryption and uplinked to form the block comprising the real-name authentication information.
Optionally, the block including the payment account information is formed by:
carrying out hash encryption on the payment account information and chaining;
and carrying out consensus on the payment account information which is subjected to hash encryption and uplink so as to form the block comprising the payment account information.
Optionally, the method further comprises the following steps:
when receiving an update request of real-name authentication information or payment account information, performing hash encryption on the updated real-name authentication information or payment account information and chaining;
and performing consensus on the real-name authentication information or the payment account information which is subjected to hash encryption and uplink to form a new block comprising the real-name authentication information or the payment account information.
Optionally, the real-name authentication information includes at least two of a mobile phone number, an identification number, biometric identification information, a name and terminal information, and the payment account information includes the real-name authentication information, a payment account and a name of a payment institution to which the payment account belongs.
Optionally, the identification information and the identification associated information of the target object are at least one of a mobile phone number, an identification card number, biometric identification information, a name, and terminal information, where the identification information of the target object is different from the identification associated information.
It should be noted that the apparatus is an apparatus corresponding to the above method, and all the implementations in the above method embodiment are applicable to the embodiment of the apparatus, and the same technical effects can be achieved.
Embodiments of the present invention also provide a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method as described above. All the implementation manners in the above method embodiment are applicable to this embodiment, and the same technical effect can be achieved.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk.
Furthermore, it is to be noted that in the device and method of the invention, it is obvious that the individual components or steps can be decomposed and/or recombined. These decompositions and/or recombinations are to be regarded as equivalents of the present invention. Also, the steps of performing the series of processes described above may naturally be performed chronologically in the order described, but need not necessarily be performed chronologically, and some steps may be performed in parallel or independently of each other. It will be understood by those skilled in the art that all or any of the steps or elements of the method and apparatus of the present invention may be implemented in any computing device (including processors, storage media, etc.) or network of computing devices, in hardware, firmware, software, or any combination thereof, which can be implemented by those skilled in the art using their basic programming skills after reading the description of the present invention.
Thus, the objects of the invention may also be achieved by running a program or a set of programs on any computing device. The computing device may be a general purpose device as is well known. The object of the invention is thus also achieved solely by providing a program product comprising program code for implementing the method or the apparatus. That is, such a program product also constitutes the present invention, and a storage medium storing such a program product also constitutes the present invention. It is to be understood that the storage medium may be any known storage medium or any storage medium developed in the future. It is further noted that in the apparatus and method of the present invention, it is apparent that each component or step can be decomposed and/or recombined. These decompositions and/or recombinations are to be regarded as equivalents of the present invention. Also, the steps of executing the series of processes described above may naturally be executed chronologically in the order described, but need not necessarily be executed chronologically. Some steps may be performed in parallel or independently of each other.
While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (12)
1. A payment account information query method based on a blockchain is characterized by comprising the following steps:
when a payment request is received, acquiring the identification information of a target object from the payment request;
extracting identity associated information corresponding to the identity recognition information of the target object from the block including the real-name authentication information and the block including the payment account information;
respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
when the identity associated information extracted from the block including the real-name authentication information is consistent with the block including the payment account information, providing the payment account information in the block including the payment account information.
2. The method for inquiring payment account information based on the blockchain according to claim 1, wherein identity-related information corresponding to the identification information of the target object is extracted from a block including real-name authentication information and a block including payment account information, comprising the steps of:
inquiring a block which is matched with the target object and comprises real-name authentication information and a block which comprises payment account information according to the identification information of the target object;
and respectively extracting identity associated information corresponding to the identity identification information of the target object from the inquired block comprising the real-name authentication information and the block comprising the payment account information.
3. The method for inquiring payment account information based on block chain according to claim 1, wherein comparing the identity related information extracted from the block including the real name authentication information and each block including the payment account information respectively comprises the following steps:
respectively comparing the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and each block comprising the payment account information, and when the hash value corresponding to each identity related information field extracted from the block comprising the real-name authentication information and the block comprising the payment account information are consistent, judging that the identity related information extracted from the block comprising the real-name authentication information and the block comprising the payment account information is consistent.
4. The method for inquiring information of a payment account based on a blockchain according to claim 1, wherein the block including the real-name authentication information is formed by:
performing hash encryption on the real-name authentication information and chaining;
and performing consensus on the real-name authentication information which is subjected to hash encryption and uplinked to form the block comprising the real-name authentication information.
5. The method for inquiring payment account information based on block chain according to claim 1, wherein the block including the payment account information is formed by:
carrying out hash encryption on the payment account information and chaining;
and carrying out consensus on the payment account information which is subjected to hash encryption and uplink so as to form the block comprising the payment account information.
6. The blockchain-based payment account information inquiry method according to claim 1, further comprising the steps of:
when receiving an update request of real-name authentication information or payment account information, performing hash encryption on the updated real-name authentication information or payment account information and chaining;
and carrying out consensus on the real-name authentication information or the payment account information which is subjected to hash encryption and uplink so as to form a new block comprising the real-name authentication information or the payment account information.
7. The method as claimed in claim 1, wherein the real-name authentication information includes at least two of a mobile phone number, an identification number, biometric identification information, a name and terminal information, and the payment account information includes the real-name authentication information, a payment account and a name of a payment institution to which the payment account belongs.
8. The payment account information query method based on the blockchain according to claim 1, wherein the identification information and the identification associated information of the target object are at least one of a mobile phone number, an identification card number, biometric identification information, a name and terminal information, and wherein the identification information of the target object is different from the identification associated information.
9. A payment account information inquiry device based on a block chain is characterized by comprising:
the system comprises an acquisition module, a payment module and a processing module, wherein the acquisition module is used for acquiring the identification information of a target object from a payment request when the payment request is received;
the first processing module is used for extracting identity association information corresponding to the identity identification information of the target object from a block comprising real-name authentication information and a block comprising payment account information;
the second processing module is used for respectively comparing the identity associated information extracted from the block comprising the real-name authentication information with each block comprising the payment account information;
and the third processing module is used for providing the payment account information in the block comprising the payment account information when the identity associated information extracted from the block comprising the real-name authentication information is consistent with the identity associated information extracted from the block comprising the payment account information.
10. A blockchain network platform for payment is characterized by comprising a DAPP, a third party payment node with a blockchain basic function, an operation node and a plurality of payment mechanism nodes, wherein the plurality of payment mechanism nodes respectively correspond to different payment mechanisms;
the DAPP, configured to query payment account information according to the blockchain-based payment account information query method of any one of claims 1 to 8;
and the third party payment node is used for receiving the payment request and carrying out authentication and deduction on of the payment account according to the payment account selected by the target object.
11. A blockchain network system for payments, comprising:
a blockchain network platform for payments;
a third party payment authority gateway for accessing the blockchain network platform for payments by providing a payment node;
an operator real-name authentication platform for accessing the blockchain network platform for payments by providing an operator node;
a plurality of direct payment authority gateways, each direct payment authority gateway node for accessing the blockchain network platform for payments by providing a payment authority node.
12. A computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method of any of claims 1 to 8.
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