CN114881635A - Cash transaction processing method and system based on block chain - Google Patents

Cash transaction processing method and system based on block chain Download PDF

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Publication number
CN114881635A
CN114881635A CN202210528382.XA CN202210528382A CN114881635A CN 114881635 A CN114881635 A CN 114881635A CN 202210528382 A CN202210528382 A CN 202210528382A CN 114881635 A CN114881635 A CN 114881635A
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transaction
bank
processing
block chain
self
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朱江波
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Abstract

The invention discloses a method and a system for processing cash transaction based on a block chain, which relate to the field of block chains, and the method comprises the following steps: the bank server calculates a hash value according to historical transaction data, uploads the hash value to a block chain, and issues the hash value to the client in a two-dimensional code mode; self-service terminals of other banks upload the hash values corresponding to the two-dimensional codes to the block chain; after the block chain inquires the corresponding hash value, returning the bank id to the self-service terminal; the self-service terminal acquires the face information of the client and sends the face information to a corresponding bank server for matching with the stored face information of the client with the hash value; the self-service terminal judges whether the transaction is supported according to the matching result, and if the transaction is supported, the transaction request is sent to the bank server to check the transaction request; the self-service terminal uploads transaction data to the block chain and the bank server when determining that the transaction is supported based on the auditing result; and the bank server carries out transaction processing and uploads a processing result to the block chain. The invention can simplify the processing flow of long and short money.

Description

Cash transaction processing method and system based on block chain
Technical Field
The invention relates to the technical field of block chains, in particular to a method and a system for processing cash transactions based on block chains.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Currently, on an ATM, a deposit transaction or a withdrawal transaction of a customer may fail due to a machine failure or a problem of a network, but there may occur a case where cash of the customer is received but a corresponding account is not entered, or the corresponding account is debited but the customer does not take the corresponding cash, which is generally called a long or short. At present, the mode of processing by banks is that a plurality of bank systems account for abnormal transactions in batches, the flow is complex, and the processing time is long. This approach may also lead to problems of poor accountability, failure to locate problems, and poor customer experience as the customer is not aware of the specific situation. This is particularly the case with cross-bank transactions.
Disclosure of Invention
The embodiment of the invention provides a block chain-based cash transaction processing method, which is used for solving the problems of unclear responsibility, incapability of positioning and poor customer experience caused by complicated processing flow and long processing time of long and short cash, and comprises the following steps:
the bank server calculates a corresponding hash value according to historical transaction data of a client, and uploads the hash value and a corresponding bank id to a block chain;
after a client logs in a bank app through a client, a bank server issues a hash value corresponding to the client in a two-dimensional code form;
after a customer inputs a two-dimensional code on a self-service terminal corresponding to other banks, the self-service terminal uploads a hash value corresponding to the two-dimensional code to a block chain;
after the block chain inquires the corresponding hash value based on the hash value corresponding to the two-dimensional code, the corresponding bank id is returned to the self-service terminal;
the self-service terminal acquires the face information of a client and sends the face information and the hash value of the client to a bank server corresponding to a bank id;
the bank server corresponding to the bank id matches the face information of the customer with the face information of the customer corresponding to the hash value stored by the bank server, and feeds back a matching result to the self-service terminal;
the self-service terminal judges whether the transaction of the customer is supported according to the matching result, and if the transaction is supported, the transaction request is sent to a bank server corresponding to the bank id;
the bank server corresponding to the bank id checks the transaction request, and feeds back a check result to the self-service terminal;
the self-service terminal uploads the transaction data of the customer to a bank server corresponding to the block chain and the bank id when determining that the transaction is supported based on the auditing result;
and the bank server corresponding to the bank id performs corresponding transaction processing according to the transaction data, and uploads a processing result to the block chain.
The embodiment of the invention also provides a cash transaction processing system based on the block chain, which is used for solving the problems of unclear responsibility, incapability of positioning and poor customer experience caused by complicated processing flow and long processing time of the existing long and short cash, and comprises the following steps: the system comprises a bank server, a client, a self-service terminal and a block chain, and is used for realizing the cash transaction processing method based on the block chain.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the cash transaction processing method based on the block chain.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing cash transaction based on a block chain is implemented.
An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for processing cash transaction based on a block chain is implemented.
In the embodiment of the invention, compared with the technical scheme that banks in the prior art process long and short money by a plurality of bank systems in batches to check account of abnormal transactions, the flow is complicated, the processing time is long, the liability is unclear, the positioning cannot be realized, and the customer experience is poor due to the fact that the specific situation is not clear, the long and short money of a cash terminal and a core system is processed based on a block chain technology, the bank server calculates the corresponding hash value according to the historical transaction data of the customer, and the hash value and the corresponding bank id are uploaded to a block chain; after a client logs in a bank app through a client, a bank server issues a hash value corresponding to the client in a two-dimensional code form; after a customer inputs a two-dimensional code on a self-service terminal corresponding to other banks, the self-service terminal uploads a hash value corresponding to the two-dimensional code to a block chain; after the block chain inquires the corresponding hash value based on the hash value corresponding to the two-dimensional code, the corresponding bank id is returned to the self-service terminal; the self-service terminal acquires the face information of a client and sends the face information and the hash value of the client to a bank server corresponding to a bank id; the bank server corresponding to the bank id matches the face information of the customer with the face information of the customer corresponding to the hash value stored by the bank server, and feeds back a matching result to the self-service terminal; the self-service terminal judges whether the transaction of the customer is supported according to the matching result, and if the transaction is supported, the transaction request is sent to a bank server corresponding to the bank id; the bank server corresponding to the bank id checks the transaction request, and feeds back a check result to the self-service terminal; the self-service terminal uploads the transaction data of the customer to a bank server corresponding to the block chain and the bank id when determining that the transaction is supported based on the auditing result; the bank server corresponding to the bank id carries out corresponding transaction processing according to the transaction data, and uploads a processing result to the block chain, so that the existing flow can be simplified, real-time processing is supported, the problems of unclear problem positioning and unclear responsibility are solved, and the experience of a client is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a first flowchart of a method for processing cash transactions based on block chains according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for processing cash transactions based on block chains according to an embodiment of the present invention;
FIG. 3 is a flow chart of a method for processing cash transactions based on block chains according to an embodiment of the present invention;
FIG. 4 is a flow chart of a method for processing cash transactions based on block chains according to an embodiment of the present invention;
FIG. 5 is a flow chart of a method for processing cash transactions based on block chains according to an embodiment of the present invention;
fig. 6 is a flow chart of a method for processing cash transaction based on block chain in the embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Based on the problems in the prior art, the present invention provides a block chain-based cash transaction processing system, which comprises: the system comprises a bank server, a client, a self-service terminal and a block chain. The system is specifically used for implementing a method for processing cash transaction based on a block chain, and the specific flow of the method is shown in fig. 1, and the method comprises the following steps:
step 101: the bank server calculates a corresponding hash value according to historical transaction data of a client, and uploads the hash value and a corresponding bank id to a block chain;
step 102: after a client logs in a bank app through a client, a bank server issues a hash value corresponding to the client in a two-dimensional code form;
step 103: after a customer inputs a two-dimensional code on a self-service terminal corresponding to other banks, the self-service terminal uploads a hash value corresponding to the two-dimensional code to a block chain;
step 104: after the block chain inquires the corresponding hash value based on the hash value corresponding to the two-dimensional code, the corresponding bank id is returned to the self-service terminal;
step 105: the self-service terminal acquires the face information of a client and sends the face information and the hash value of the client to a bank server corresponding to a bank id;
step 106: the bank server corresponding to the bank id matches the face information of the customer with the face information of the customer corresponding to the hash value stored by the bank server, and feeds back a matching result to the self-service terminal;
step 107: the self-service terminal judges whether the transaction of the customer is supported according to the matching result, and if the transaction is supported, the transaction request (such as a withdrawal request) is sent to a bank server corresponding to the bank id;
step 108: the bank server corresponding to the bank id checks the transaction request, and feeds back a check result to the self-service terminal;
step 109: when the self-service terminal determines that the transaction is supported based on the auditing result, the transaction data (including the transaction result) of the customer are uploaded to a bank server corresponding to the block chain and the bank id;
step 110: and the bank server corresponding to the bank id performs corresponding transaction processing according to the transaction data, and uploads a processing result to the block chain.
Specifically, the blockchain includes a plurality of bank nodes, such as bank a, bank b, and bank c. The block chain mainly supports cross-bank cash transaction, namely, a customer of a bank a can go to a self-service terminal of a bank b to perform transaction, such as withdrawal or deposit.
A problem that may exist across rows is that the information of the customer may be leaked, so a hash value is generated according to the historical transaction information of the customer to replace an identification card, a card number, or a mobile phone number.
In step 103, the self-service terminal may scan the two-dimensional code.
In the embodiment of the present invention, as shown in fig. 2, the method may further include:
step 201: the bank server corresponding to the bank id uploads the corresponding relation of the transaction code, the transaction result code and the processing mode to the block chain;
step 202: the block chain acquires the transaction code and the transaction result code from the transaction data, determines a first processing mode corresponding to the transaction code and the transaction result code according to the corresponding relation of the transaction code, the transaction result code and the processing mode, compares a second processing mode contained in the processing result with the first processing mode, and processes accounts of a bank corresponding to the bank id and a bank corresponding to the self-service terminal based on the comparison result.
Such as transaction code: deposit, transaction result code: 00 (identification transaction success), processing result: entering account; transaction code: withdrawal, transaction result code: 03 (no banknote is shown to the customer), processing result: punching to be correct.
In the embodiment of the present invention, as shown in fig. 3, the corresponding relationship between the transaction code, the transaction result code, and the processing method is determined as follows:
step 301: a bank server corresponding to a bank id acquires transaction data of a self-service terminal corresponding to the bank;
step 302: extracting a transaction code and a transaction result code from transaction data, and determining a plurality of bank server processing modes corresponding to the transaction data;
step 303: and for each transaction code and transaction result code, selecting a plurality of processing modes with the probability greater than a preset value from the corresponding plurality of bank server processing modes as the processing modes corresponding to the transaction code and the transaction result code.
In this embodiment of the present invention, as shown in fig. 4, step 101, a bank server calculates a corresponding hash value according to historical transaction data of a client, and uploads the hash value and a corresponding bank id to a block chain, where the method includes:
step 401: determining a transaction type corresponding to a customer according to a plurality of transaction types contained in historical transaction data of the customer;
step 402: for each transaction category corresponding to the customer, determining a selected probability corresponding to the transaction category;
step 403: selecting a probability density function, dividing a definition domain corresponding to the probability density function into a plurality of intervals, wherein each interval corresponds to the transaction type corresponding to the client one by one, and the integral of the probability density function in each interval is equal to the selected probability corresponding to the transaction type corresponding to the interval;
step 404: generating a random number based on the selected probability density function, determining an interval in which the random number is positioned, and determining the transaction type corresponding to the interval as the selected transaction type;
step 405: and selecting historical transaction data of which the corresponding transaction category is the selected transaction category from the historical transaction data of the client, and calculating a corresponding hash value based on the selected historical transaction data.
In an embodiment, step 402 determines, for each transaction category corresponding to the customer, a selected probability corresponding to the transaction category, specifically:
for each transaction type corresponding to the customer, determining the transaction quantity corresponding to the transaction type according to the historical transaction data of the customer;
determining that the selected probability corresponding to the ith transaction category corresponding to the customer is:
Figure BDA0003645541520000061
wherein n is j The transaction amount corresponding to the jth transaction category corresponding to the customer, and l is the amount of the transaction category corresponding to the customer.
In an embodiment, step 403 selects a probability density function, divides a domain corresponding to the probability density function into a plurality of intervals, each interval corresponding to a transaction type corresponding to the customer, and the integral of the probability density function in each interval is equal to the selected probability corresponding to the transaction type corresponding to the interval, specifically:
sorting the transaction categories corresponding to the customers;
for each transaction category after the ranking, determining a left endpoint corresponding to the transaction category, so that the integral of the probability density function from the minimum value of the corresponding independent variable to the corresponding left endpoint is equal to the sum of the selected probabilities corresponding to all transaction categories before the transaction category in the ranking;
and for each transaction type after the sequencing, determining an interval corresponding to the transaction type according to the left endpoint corresponding to the transaction type and the left endpoint corresponding to the next transaction type of the transaction type in the sequencing.
In an embodiment of the present invention, the method further includes:
and when the block chain does not find the corresponding hash value according to the hash value, returning the nonexistence identifier to the self-service terminal, and rejecting the transaction application of the customer by the self-service terminal.
In an embodiment of the invention, the transaction request comprises a region scope;
further comprising: and the bank server corresponding to the bank id determines a safety time range corresponding to the area range, judges whether the current time is in the safety time range, and if not, carries out risk control on the current transaction data.
Specifically, risk control includes: denial of the customer's transaction, strong identity authentication (face), and restriction of the customer's transaction behavior.
In the embodiment of the present invention, as shown in fig. 5, the determining, by the bank server corresponding to the bank id, the security time range corresponding to the area range includes:
step 501: for each time range, the bank server corresponding to the bank id acquires the transaction data of the bank outlets in the area range in the time range, and determines the coefficients of the time range corresponding to each risk dimension and the corresponding lower precision bound according to the transaction data;
step 502: determining a partial order of the time ranges according to the coefficients corresponding to the risk dimensions and the corresponding lower precision bounds, wherein the partial order is used for determining whether a first time range is different from a second time range in any two time ranges;
step 503: determining a plurality of minimum time ranges of the partial sequence according to the partial sequence of the time ranges, wherein the minimum time ranges are minimum elements of the partial sequence;
step 504: and determining a plurality of minimum time ranges of the partial sequence as safe time ranges corresponding to the region range.
In an embodiment, in step 501, for each time range, the bank server corresponding to the bank id obtains transaction data of the banking outlets in the time range in the area range, and determines the coefficients of the risk dimensions corresponding to the time range and the corresponding lower precision bounds according to the transaction data, specifically:
dividing the transaction data in the time range into a plurality of transaction subdata according to the time sequence, wherein the transaction amount of each transaction subdata is larger than a set threshold value;
for each transaction subdata, determining the coefficient of the transaction subdata corresponding to each risk dimension as the ratio of the transaction amount of the transaction data related to each risk dimension in the transaction subdata to the transaction amount of the transaction subdata;
for each risk dimension, determining the coefficient of the risk dimension corresponding to the time range as the mean value of the coefficients of the risk dimension corresponding to the plurality of transaction subdata;
determining the variance of the time range corresponding to the risk dimension according to the coefficients (a plurality of samples in the same distribution) of the plurality of transaction subdata corresponding to the risk dimension;
determining the lower precision bound corresponding to the time range as
Figure BDA0003645541520000071
Wherein μ is the maximum value of the variance of all risk dimensions corresponding to the time range, and n is the number of the plurality of transaction sub-data.
In an embodiment, the risk dimension may be a risk type.
In the embodiment of the present invention, as shown in fig. 6, step 502 determines the partial order of the time range according to the coefficients corresponding to each risk dimension and the corresponding lower precision bound, and includes:
step 601: for any two time ranges, for each risk dimension, calculating the difference between the coefficient of the risk dimension corresponding to the first time range of the two time ranges and the coefficient of the risk dimension corresponding to the second time range of the two time ranges, and if the differences corresponding to all the risk dimensions are greater than or equal to 0 and the lower precision bound corresponding to the second time range is smaller than the precision threshold, determining that the first time range is different from the second time range.
It should be noted that the minimum element in the partial order is in the set corresponding to the partial order, and there is no other element so that the minimum element is inferior to the minimum element.
In one embodiment, one method for determining the minimum time ranges of the partial sequence according to the partial sequence of the time ranges in step 503 is as follows:
initializing the minimum identifications corresponding to all the time ranges to be possible, and initializing the corresponding comparison identifications to be yes;
sequencing the time ranges, and sequentially executing the following steps on each sequenced time range until the following steps are executed on all time ranges:
if the corresponding minimum mark of the time range is possible, selecting a plurality of other time ranges corresponding to the comparison marks as yes from other time ranges except the time range, and setting the comparable time range corresponding to the time range as the plurality of other time ranges; otherwise, setting the comparable time range corresponding to the time range to be null;
sequentially selecting each comparable time range corresponding to the time range, and if the time range is different from the comparable time range, setting the minimum identifier corresponding to the time range as no; if the comparable time range is worse than the time range, setting the corresponding minimum identifier of the comparable time range to be negative, and determining the comparable time range as a secondary time range of the time range; otherwise, the minimum marks corresponding to the two time ranges are kept unchanged;
if all comparable time ranges of the time range are confirmed to be not worse than the time range, the time range is determined as a minimum time range corresponding to the partial order, and the comparison identification of each secondary time range of the minimum time range is updated to be no.
In the embodiment of the present invention, the method may further include:
and when the audit result is fed back to the self-service terminal, the bank server corresponding to the bank id also uploads the hash value and the audit result to the block chain.
In the embodiment of the present invention, the method may further include:
the data that has the risk identification (i.e., the transaction data is at risk) is deleted from the transaction data.
In the embodiment of the present invention, the bank server corresponding to the bank id performs corresponding transaction processing according to the transaction data, including:
if the bank server corresponding to the bank id receives the transaction data, performing corresponding transaction processing; if no transaction data is received, the customer's transaction is defaulted to not actually being executed when the wait time exceeds a threshold.
Specifically, the bank server carries out corresponding processing on the transaction of the customer (may or may not receive (such as transaction data loss, network interruption and the like)) transaction data of the self-service terminal, if the transaction data are received, normal accounting processing is carried out, if the transaction data of the self-service terminal are not received, the bank server defaults that the transaction of the customer is not actually executed when the waiting time exceeds a threshold value, and corresponding processing results are uploaded to the block chain.
In the embodiment of the present invention, the method may further include: and determining whether the hash value of the received transaction data is consistent with the hash value uploaded to the block chain by the self-service terminal. And if the two hash values are consistent, normal accounting processing is carried out, and if the two hash values are not consistent, the bank server uploads the hash value of the received transaction data to the block chain to wait for subsequent processing.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the cash transaction processing method based on the block chain.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing cash transaction based on a block chain is implemented.
An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for processing cash transaction based on a block chain is implemented.
In the embodiment of the invention, compared with the technical scheme that banks in the prior art process long and short money by a plurality of bank systems in batches to check account of abnormal transactions, the flow is complicated, the processing time is long, the liability is unclear, the positioning cannot be realized, and the customer experience is poor due to the fact that the specific situation is not clear, the long and short money of a cash terminal and a core system is processed based on a block chain technology, the bank server calculates the corresponding hash value according to the historical transaction data of the customer, and the hash value and the corresponding bank id are uploaded to a block chain; after a client logs in a bank app through a client, a bank server issues a hash value corresponding to the client in a two-dimensional code form; after a customer inputs a two-dimensional code on a self-service terminal corresponding to other banks, the self-service terminal uploads a hash value corresponding to the two-dimensional code to a block chain; after the block chain inquires the corresponding hash value based on the hash value corresponding to the two-dimensional code, the corresponding bank id is returned to the self-service terminal; the self-service terminal acquires the face information of a client and sends the face information and the hash value of the client to a bank server corresponding to a bank id; the bank server corresponding to the bank id matches the face information of the customer with the face information of the customer corresponding to the hash value stored by the bank server, and feeds back a matching result to the self-service terminal; the self-service terminal judges whether the transaction of the customer is supported according to the matching result, and if the transaction is supported, the transaction request is sent to a bank server corresponding to the bank id; the bank server corresponding to the bank id checks the transaction request, and feeds back a check result to the self-service terminal; the self-service terminal uploads the transaction data of the customer to a bank server corresponding to the block chain and the bank id when determining that the transaction is supported based on the auditing result; the bank server corresponding to the bank id carries out corresponding transaction processing according to the transaction data, and uploads a processing result to the block chain, so that the existing flow can be simplified, real-time processing is supported, the problems of unclear problem positioning and unclear responsibility are solved, and the experience of a client is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1. A method for processing cash transactions based on blockchains, comprising:
the bank server calculates a corresponding hash value according to historical transaction data of a client, and uploads the hash value and a corresponding bank id to a block chain;
after a client logs in a bank app through a client, a bank server issues a hash value corresponding to the client in a two-dimensional code form;
after a customer inputs a two-dimensional code on a self-service terminal corresponding to other banks, the self-service terminal uploads a hash value corresponding to the two-dimensional code to a block chain;
after the block chain inquires the corresponding hash value based on the hash value corresponding to the two-dimensional code, the corresponding bank id is returned to the self-service terminal;
the self-service terminal acquires the face information of a client and sends the face information and the hash value of the client to a bank server corresponding to a bank id;
the bank server corresponding to the bank id matches the face information of the customer with the face information of the customer corresponding to the hash value stored by the bank server, and feeds back a matching result to the self-service terminal;
the self-service terminal judges whether the transaction of the customer is supported according to the matching result, and if the transaction is supported, the transaction request is sent to a bank server corresponding to the bank id;
the bank server corresponding to the bank id checks the transaction request, and feeds back a check result to the self-service terminal;
the self-service terminal uploads the transaction data of the customer to a bank server corresponding to the block chain and the bank id when determining that the transaction is supported based on the auditing result;
and the bank server corresponding to the bank id performs corresponding transaction processing according to the transaction data, and uploads a processing result to the block chain.
2. The blockchain-based method of processing cash transactions of claim 1, further comprising:
the bank server corresponding to the bank id uploads the corresponding relation of the transaction code, the transaction result code and the processing mode to the block chain;
the block chain acquires the transaction code and the transaction result code from the transaction data, determines a first processing mode corresponding to the transaction code and the transaction result code according to the corresponding relation of the transaction code, the transaction result code and the processing mode, compares a second processing mode contained in the processing result with the first processing mode, and processes accounts of a bank corresponding to the bank id and a bank corresponding to the self-service terminal based on the comparison result.
3. A method of processing cash transactions on the basis of blockchains according to claim 2, characterised in that the correspondence of transaction code, transaction result code and processing mode is determined as follows:
a bank server corresponding to a bank id acquires transaction data of a self-service terminal corresponding to the bank;
extracting a transaction code and a transaction result code from transaction data, and determining a plurality of bank server processing modes corresponding to the transaction data;
and for each transaction code and transaction result code, selecting a plurality of processing modes with the probability greater than a preset value from the corresponding plurality of bank server processing modes as the processing modes corresponding to the transaction code and the transaction result code.
4. The blockchain-based method of processing a cash transaction of claim 1, wherein the bank server calculates a corresponding hash value according to the historical transaction data of the customer, and uploads the hash value and a corresponding bank id to the blockchain, including:
determining a transaction type corresponding to a customer according to a plurality of transaction types contained in historical transaction data of the customer;
for each transaction category corresponding to the customer, determining a selected probability corresponding to the transaction category;
selecting a probability density function, dividing a definition domain corresponding to the probability density function into a plurality of intervals, wherein each interval corresponds to the transaction type corresponding to the client one by one, and the integral of the probability density function in each interval is equal to the selected probability corresponding to the transaction type corresponding to the interval;
generating a random number based on the selected probability density function, determining an interval in which the random number is positioned, and determining the transaction type corresponding to the interval as the selected transaction type;
and selecting historical transaction data of which the corresponding transaction category is the selected transaction category from the historical transaction data of the client, and calculating a corresponding hash value based on the selected historical transaction data.
5. The blockchain-based method of processing cash transactions of claim 1, further comprising:
and when the block chain does not find the corresponding hash value according to the hash value, returning the nonexistence identifier to the self-service terminal, and rejecting the transaction application of the customer by the self-service terminal.
6. The blockchain-based method of processing cash transactions of claim 1, wherein the transaction request includes a region scope;
further comprising:
and the bank server corresponding to the bank id determines a safety time range corresponding to the area range, judges whether the current time is in the safety time range, and if not, carries out risk control on the current transaction data.
7. The method for processing cash transaction based on block chain as claimed in claim 6, wherein the bank server corresponding to the bank id determines the safety time range corresponding to the area range, comprising:
for each time range, the bank server corresponding to the bank id acquires the transaction data of the bank outlets in the area range in the time range, and determines the coefficients of the time range corresponding to each risk dimension and the corresponding lower precision bound according to the transaction data;
determining a partial order of the time ranges according to the coefficients corresponding to the risk dimensions and the corresponding lower precision bounds, wherein the partial order is used for determining whether a first time range is different from a second time range in any two time ranges;
determining a plurality of minimum time ranges of the partial sequence according to the partial sequence of the time ranges, wherein the minimum time ranges are minimum elements of the partial sequence;
and determining a plurality of minimum time ranges of the partial sequence as safe time ranges corresponding to the region range.
8. The blockchain-based method of processing cash transactions of claim 6, wherein determining the partial order of the time ranges based on the coefficients corresponding to the respective risk dimensions and the corresponding lower precision bounds comprises:
for any two time ranges, for each risk dimension, calculating the difference between the coefficient of the risk dimension corresponding to the first time range of the two time ranges and the coefficient of the risk dimension corresponding to the second time range of the two time ranges, and if the differences corresponding to all the risk dimensions are greater than or equal to 0 and the lower precision bound corresponding to the second time range is smaller than the precision threshold, determining that the first time range is different from the second time range.
9. A blockchain-based system for processing cash transactions, comprising: a bank server, a client, a self-service terminal and a block chain, which are used for realizing the block chain-based cash transaction processing method of any one of claims 1 to 8.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the blockchain based method of processing cash transactions of any of claims 1 to 8.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the blockchain-based cash transaction method of any one of claims 1 to 8.
12. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method for blockchain based processing of cash transactions according to any one of claims 1 to 8.
CN202210528382.XA 2022-05-16 2022-05-16 Cash transaction processing method and system based on block chain Pending CN114881635A (en)

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CN202210528382.XA CN114881635A (en) 2022-05-16 2022-05-16 Cash transaction processing method and system based on block chain

Publications (1)

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