CN116720839B - Financial information management method based on blockchain technology and supervision system thereof - Google Patents

Financial information management method based on blockchain technology and supervision system thereof Download PDF

Info

Publication number
CN116720839B
CN116720839B CN202310982155.9A CN202310982155A CN116720839B CN 116720839 B CN116720839 B CN 116720839B CN 202310982155 A CN202310982155 A CN 202310982155A CN 116720839 B CN116720839 B CN 116720839B
Authority
CN
China
Prior art keywords
information
transaction
bank
supervision platform
serial number
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN202310982155.9A
Other languages
Chinese (zh)
Other versions
CN116720839A (en
Inventor
彭长军
彭志科
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Chengdu Chuangyi Botong Technology Co ltd
Original Assignee
Chengdu Chuangyi Botong Technology Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Chengdu Chuangyi Botong Technology Co ltd filed Critical Chengdu Chuangyi Botong Technology Co ltd
Priority to CN202310982155.9A priority Critical patent/CN116720839B/en
Publication of CN116720839A publication Critical patent/CN116720839A/en
Application granted granted Critical
Publication of CN116720839B publication Critical patent/CN116720839B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

Abstract

The application discloses a financial information management method and a supervision system based on a blockchain technology. A financial information management method based on a blockchain technology comprises the following steps: an initialization stage: the servers of the banks and the server of the supervision platform are negotiated to form a block chain network; registration: the user sends registration information and an identity mark to the supervision platform, and the supervision platform generates anchoring information according to the identity mark and the registration information; the supervision platform sends the anchoring information and the registration information to a bank which the user needs to register; the bank establishes an original account for the user according to the registration information, and encrypts the original account into an associated account according to the anchoring information; and upload the associated account into the blockchain network. The application solves the problem that when the blockchain technology is applied to financial supervision, the transaction information of the user is disclosed to the blockchain network, so that the transaction information is revealed, and the blockchain technology is difficult to use and popularize.

Description

Financial information management method based on blockchain technology and supervision system thereof
Technical Field
The application relates to the technical field of financial management, in particular to a financial information management method based on a blockchain technology and a supervision system thereof.
Background
In financial management, a bank administration needs to administer financial activities of a bank. The supervision content can be mainly summarized as the opening of accounts and information such as fund flow direction. In actual supervision, in order to ensure that neither the supervision nor the supervised person can tamper with the information; the financial information supervision platform is constructed by adopting the blockchain technology, the supervised banks and the supervision platform form a blockchain, and then the banks upload transaction information into the blockchain network, so that the supervision can better supervise the transaction condition of the banks because the information uploaded into the blockchain network cannot be changed. However, the method of uploading all transaction information to the blockchain network can lead to the information of the user of the supervised bank to be disclosed, so that the security of the financial information is poor, the transaction information of the user is easily caused, the account information of the bank is revealed, and the information security is further affected.
Disclosure of Invention
The summary of the application is provided to introduce a selection of concepts in a simplified form that are further described below in the detailed description. The summary of the application is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.
As a first aspect of the present application, in order to solve the problem that transaction information of a bank is easily tampered with or easily revealed in financial supervision, some embodiments of the present application provide: a financial information management method based on a blockchain technology.
In order to avoid the problem that the transaction information is tampered or revealed in the supervision process. The application provides the following technical scheme:
a financial information management method based on a blockchain technology comprises the following steps:
an initialization stage: the servers of the banks and the server of the supervision platform are negotiated to form a block chain network;
registration: the user sends registration information and an identity mark to the supervision platform, and the supervision platform generates anchoring information according to the identity mark and the registration information;
the supervision platform sends the anchoring information and the registration information to a bank which the user needs to register;
the bank establishes an original account for the user according to the registration information, and encrypts the original account into an associated account according to the anchoring information; uploading the associated account to a blockchain network;
transaction stage:
the user sends transaction information, anchoring information of an original account related to the transaction information and an identity mark to the supervision platform;
The supervision platform generates a transaction serial number, then sends the transaction serial number and transaction information to a corresponding bank, and uploads a hash value of a file formed by the transaction serial number, the transaction information and the transaction serial number to the blockchain network;
the bank receiving the transaction information verifies the transaction information, if the transaction is successful, the information of the successful transaction and the transaction serial number are uploaded to the blockchain network together, and if the transaction is failed, the information of the transaction serial number transaction failure is uploaded to the blockchain network;
transaction information supervision stage:
when the supervision platform verifies the validity of the original account:
the supervision platform asks the bank to issue registration information for registering the original account to be checked, and registers identity information of the original account to be checked; the bank generates verification anchoring information according to the registration information of the original account to be checked and the identity information of the original account to be checked;
the supervision platform obtains a verification associated account according to the verification anchor information and an original account issued by the bank, and judges the validity of the original account of the bank according to whether the verification associated account is recorded in the blockchain network or not;
when the supervisory platform verifies the legitimacy of the transaction in the bank:
The supervision platform asks the bank to issue a transaction serial number and transaction information of the transaction to be checked, and judges whether the transaction to be checked is legal or not according to whether the transaction serial number is recorded in a blockchain network or not; if the record is included, the transaction to be checked is legal, and if the record is not included, the transaction to be checked is illegal.
The technical scheme provided by the application is as follows:
in the initialization phase: the blockchain network is composed of a server of a bank and a server of a supervision platform in a co-negotiation way, so that except for the fact that the related bank and supervision platform can access data, other illegal persons (including users of all banks) cannot access information in the blockchain, and therefore information security is guaranteed.
In the registration phase: when a user requests account registration from banks, registration information and an identity mark are required to be sent to a supervision platform, so that each bank can send relevant registration information to the supervision platform when an original account is newly added, and the supervision platform can supervise the information at any time. Besides, the original account obtained by bank registration is not directly uploaded to the blockchain network, but is encrypted into an associated account and then uploaded to the blockchain network, so that other banks can not obtain the associated account uploaded by the blockchain network except a supervision mechanism, and are the associated accounts of the bank and the user, the security of the bank and the user information is improved, and the illegal business behavior of the bank is avoided by illegally obtaining the user information of the other banks on the blockchain network.
In the transaction phase: when a user needs to trade between different banks, the user also needs to send the trade information to the supervision platform, and the supervision platform generates a trade serial number and then sends the trade serial number to the banks. The transaction is completed by the bank. Therefore, for each transaction, the transaction serial number is required to be monitored by the monitoring platform, but specific transaction information is not required to be uploaded to the blockchain network, so for other banks, only the blockchain network which is formed by the banks together is required to be ensured, and the transaction serial number cannot be tampered.
In the supervision stage of transaction information: because specific information is required to be sent to the supervision platform for registration of the original account or generation of transaction information, and then the specific information is sent to the corresponding bank by the supervision platform, when the supervision platform checks the business condition in the bank, the supervision platform mainly bypasses the supervision platform for checking whether the transaction in the bank exists or not, and the examination is independently completed; while the supervision platform does not upload registration information to the blockchain network when trading and generating the original account. However, the associated account and the transaction serial number are uploaded into the blockchain network, so that the transaction in the bank and the registration of the original account can be checked whether to bypass the supervision platform or not according to the transaction serial number and the associated account recorded in the blockchain network.
In combination with the above: in the scheme provided by the application, the supervision platform and the supervised bank can perform supervision and supervised work on equal positions by utilizing the characteristic that information in the blockchain network cannot be tampered; neither the supervising platform nor the supervising bank is able to tamper with the information on the blockchain network; meanwhile, in order to avoid the leakage of transaction information of a bank, the information uploaded to the blockchain network is processed information such as a related account, a transaction serial number and the like, and further the transaction condition and the original account of the user cannot be obtained through the information disclosed on the blockchain.
Because any party in the blockchain network can upload information in the blockchain network, it is necessary to distinguish who the sender of the information uploaded to the blockchain network is, so as to avoid malicious users uploading malicious false information on the blockchain network, so that the supervision cannot be performed due to backtracking of the supervision information in the supervision process.
Aiming at the problem, the application provides the following technical scheme:
several banks are denoted as M 1 、M 2 、M 3 、…M n …、M m Wherein, 1 bank is recorded as bank Mn, n is E [1, m ]]；
The users of several banks are denoted as U 1 、U 2 、U 3 、…U k …, any one of which is denoted as user Uk;
the initialization stage comprises:
each bank needing supervision by the supervision platform negotiates with the supervision platform to form a blockchain network;
negotiating an encryption algorithm and a hash value calculation method in a block chain network;
the supervision platform generates a pair of key pairs according to an encryption algorithm, wherein a private key is Pej, a public key is Puj, and the public key Puj is broadcasted to the blockchain network;
bank M n And generating a pair of secret key pairs according to the encryption algorithm, wherein the secret key is Pen, the public key is Pun, and the public key Pun is broadcast to the blockchain network.
In the scheme, the supervision platform and the bank are both provided with public and private key pairs, and the public keys are issued to the blockchain network. Therefore, the supervision platform and the bank can determine that the information is sent by themselves by encrypting the information by using the private key of the supervision platform and the bank and then publishing the information to the blockchain network; therefore, in the blockchain network, some information of the sender needs to be represented, and then the information needs to be uploaded to the blockchain network after being encrypted by a private key, because the public key is uploaded to the blockchain network, the public key cannot be tampered, and the sender of the information can be authenticated after the data is uploaded to the blockchain, so that the problems that a malicious user uploads false information and cannot acquire the source of the false information, backtracking of supervision information in a confused supervision process cannot be carried out are avoided.
The associated account, although not a direct primary account, is certainly generated by the primary account, so uploading the associated account into the blockchain network also risks information disclosure of the primary account represented by the associated account; and, the bank may itself upload the counterfeit associated account without the audit of the regulatory agency to avoid the audit of the regulatory agency. Aiming at the problem: the application provides the following technical scheme:
the user registration phase specifically includes the following steps:
step 21: user U k Uploading the identity and the registration information to a supervision platform, and encrypting the identity and the registration information by the supervision platform by using a private key Pej to obtain anchoring information;
step 22: the supervision platform sends the anchoring information and the registration information to the bank M which the user requests registration n At the same time, the anchoring information is returned to the user U k And store the anchoring information in the monitorThe server of the pipe platform is provided with a server;
step 23: bank M n Server to user U k Checking the registration information of the mobile terminal; if the verification is passed, the user creates the original account successfully on the bank, and the bank returns the certificate and the time stamp of the successful creation of the original account to the user; if the verification is not passed, the registration fails, and the bank reversely restores the credentials and the time stamp of the failure creation of the initial account to the user;
Step 24: bank M n And encrypting the original account and the anchoring information by adopting the public key Puj to obtain an associated account, and uploading the associated account to the blockchain.
The technical scheme provided by the application is as follows: bank M n The public key Puj is adopted to encrypt the original account and the anchoring information, so that only the supervision authority can decrypt the obtained associated accounts through the private key of the supervision authority, and the other illegal persons can acquire the associated accounts and cannot analyze the associated accounts under the condition of no private key Pej. Therefore, the information security of the original account represented by the related account is ensured when the information is uploaded to the blockchain network.
Meanwhile, in order to ensure that each associated account uploaded in the blockchain network has legal sources, the original account and the anchoring information are needed to obtain the associated account; and the anchoring information can only be generated by the supervision platform. Therefore, the situation that the bank falsifies the associated account by itself after bypassing the supervision platform is avoided.
Only transaction serial numbers are recorded in the blockchain network, although specific transaction information leakage can be avoided, later transaction checking can be caused, if information provided by a bank and information stored by a supervision platform are inconsistent, lie-spreading behaviors on the supervision platform and the bank cannot be confirmed, and further supervision work cannot be smoothly performed because the information possibly has risks of non-tampering.
Aiming at the technical problems that: the application provides the following technical scheme:
step 31: user U k Sending the delivery to the supervisory platformThe transaction information at least comprises an original account of a payer, an original account of a payee and transaction amount;
step 32: the supervision platform encrypts the transaction information by adopting a private key Pej to obtain encrypted information, and generates a unique transaction serial number according to the encrypted information;
step 33: the supervision platform uploads the transaction serial number, the hash value of a file formed by the transaction information and the transaction serial number together into the blockchain network;
step 34: the supervision platform sends the transaction information to the corresponding bank M n Bank M n Checking the transaction information, if the checking is successful, starting normal transaction, and after the transaction is successful;
bank M n Encrypting the association account of the transaction serial number and the payment party, the association account of the transaction serial number and the collection party, and the transaction serial number and the transaction amount by adopting a private key Pen respectively to obtain first ciphertext information, second ciphertext information and third ciphertext information;
the bank Mn sends the first ciphertext information, the second ciphertext information and the third ciphertext information to a first storage center, a second storage center and a third storage center of the supervision platform for storage respectively;
Uploading the hash value and the transaction serial number of the first ciphertext information, the hash value and the transaction serial number of the second ciphertext information, and the hash value and the transaction serial number of the third ciphertext information to a blockchain network;
if the transaction fails, the bank M n Returning the transaction serial number and the transaction information corresponding to the transaction serial number to the user U by the certificate of the transaction failure k And published into a blockchain network.
The scheme provided by the application comprises the following steps: the transaction serial number is obtained according to the transaction information, so that the transaction serial number and the transaction information have a one-to-one correspondence. Only one transaction serial number can be obtained by one transaction message. In addition, before the transaction serial number is obtained by using the transaction information, the transaction information is encrypted by using the private key Pej, so that only the supervision platform can obtain the legal transaction serial number, and the bank cannot issue the transaction serial number on the blockchain network; meanwhile, the bank can decrypt the encrypted transaction information through the public key of the supervision platform stored on the blockchain network; therefore, the transaction serial number is uploaded to the blockchain network, so that on one hand, the bank and the supervision organization cannot tamper, and on the other hand, both parties can check the authenticity of the transaction serial number. Thus, the problem that supervision work cannot be smoothly performed because the information may be at risk of not being tampered with is avoided.
Meanwhile, aiming at the problem that the blockchain network is inconvenient to store specific transaction information, the bank Mn respectively sends the first ciphertext information, the second ciphertext information and the third ciphertext information to a first storage center, a second storage center and a third storage center of the supervision platform for storage; uploading the hash value and the transaction serial number of the first ciphertext information, the hash value and the transaction serial number of the second ciphertext information, and the hash value and the transaction serial number of the third ciphertext information to a blockchain network;
therefore, after the specific transaction information is encrypted into the encrypted information by the bank, the stored supervision platform stores the hash value of the encrypted information, and the encrypted information stored in the supervision platform and the transaction serial number stored in the blockchain can be in one-to-one correspondence because of the uniqueness and collision resistance of the hash function.
And three kinds of encryption information are stored by adopting three storage centers, so that the situation that an illegal person directly obtains specific transaction information after intercepting the encryption information, but obtains the three kinds of encryption information and combines the three kinds of encryption information together to obtain the required information can be avoided.
In step 32, the encryption information and the transaction serial number are required to have a one-to-one correspondence, and aiming at the problem, the application provides the following technical scheme:
in step 32, the hash value of the encrypted information is stored in 10 system, and the obtained number is used as the serial number of the transaction.
Because of the one-to-one correspondence of the hash functions, each piece of encrypted information is guaranteed to have a unique serial number.
Further, in step 33, the supervisory platform, after obtaining the transaction serial number, puts together the transaction serial number and the transaction information to form a new file, and calculates the hash value of the file.
Because the account numbers stored in the blockchain network are associated account numbers, and the associated account numbers and the original account numbers do have a one-to-one correspondence, a bank may replace one original account with a plurality of associated account numbers or associate one associated account number with a plurality of original account numbers during supervision, so as to avoid supervision and examination of a supervision platform. Aiming at the problem, the application provides the following technical scheme: in the transaction information supervision stage, the supervision platform verifies the validity of the original account, and comprises the following steps:
step 411: the bank sends the original account to be checked, registers the registration information of the original account to be checked and the application information of the original account to be checked to the supervision platform;
Step 412: supervision platform to bank M n The registration information of the original account to be checked and the identity information of the original account to be checked are encrypted by a private key Pej of the supervision platform to obtain verification anchoring information;
step 413: will verify the anchoring information and bank M n The original account to be checked is encrypted by adopting the public key Puj of the supervision platform to obtain a verification associated account;
step 414: comparing the verification associated account with the associated account stored in the blockchain network, and if the same associated account as the verification associated account is not stored in the blockchain network, indicating that the original account is an illegal original account.
In the scheme, the process of generating the associated account is restored according to the original account and the application information provided by the bank, and whether the account is a legal account is determined according to whether the generated associated account is published in the blockchain network. The anchoring information is generated by the private key of the supervision platform, so that the bank cannot forge the anchoring information, but can check the anchoring information. Therefore, each step is clear during the verification process, and no dispute exists, and any party can change the related information to make the user obtain the benefit. Therefore, the associated accounts uploaded to the blockchain network are necessarily in one-to-one correspondence with the original accounts, and the supervision platform can accurately find the original accounts represented by the associated accounts when supervising the associated accounts. The bank cannot forge the associated account, so that the supervision of the supervision platform cannot be avoided.
Because the transaction information stored in the blockchain network only has transaction serial numbers, when the transaction condition is checked, the transaction information represented by the transaction serial numbers is difficult to accurately position, so that the problem of incomplete supervision occurs. Aiming at the problem, the application provides the following technical scheme:
when the supervisory platform verifies the legitimacy of the transaction in the bank:
step 421: bank M n Issuing a transaction serial number and transaction information of the transaction to be checked to the supervision platform;
step 422: the supervision platform encrypts transaction information of the transaction to be checked by adopting a private key Pej to obtain verification encryption information, and generates a verification transaction serial number according to the verification encryption information;
step 423: judge and verify transaction serial number and bank M n If the transaction serial numbers of the transactions to be checked are equal, the verification is successful, and the next step is executed; if not, the verification fails;
step 424: judging whether the transaction serial number issued by a bank to the supervision platform is in a blockchain network or not, and recording the transaction serial number of successful transaction; if yes, executing the next step, and if not, failing to verify;
step 425: according to bank M n Searching a transaction serial number sent by the supervision platform for a hash value of the first ciphertext information, a hash value of the second ciphertext information and a hash value of the third ciphertext information recorded in the blockchain network;
Searching the first ciphertext information of the first storage center, the second ciphertext information of the second storage center and the third ciphertext information of the third storage center according to the hash value of the first ciphertext information, the hash value of the second ciphertext information and the hash value of the third ciphertext information;
step 426: the first ciphertext information, the second ciphertext information and the third ciphertext information adopt a bank M n Decrypting the public key Pun to obtain an associated account of the transaction serial number and the payer, an associated account of the transaction serial number and the payee, and the transaction serial number and the transaction amount; the transaction amount is compared with the associated account of the payer, the associated account of the payee and the transaction amount in the transaction information provided by the bank; if the two types of the transaction are equal, the fact that the transaction to be checked is legal is indicated, and if the two types of the transaction to be checked are not equal, the fact that the transaction to be checked is illegal is indicated.
In the scheme, the supervision platform carries out inverse operation on the transaction information to obtain a verification transaction serial number, so that the authenticity of the transaction is checked according to the verification transaction serial number, the transaction serial number recorded on the blockchain and whether the transaction serial numbers provided by the banks are equal. When the verification transaction serial number is generated, the bank cannot generate the encryption information, but the encryption information can be verified, and the supervision platform and the bank cannot counterfeit the generation of the verification transaction serial number. Therefore, the validity of the transaction verified at this time can be obtained by verifying the authenticity of the transaction serial number; therefore, the supervision platform can accurately position corresponding transaction information through the transaction serial number, and the problem of incomplete supervision is avoided.
In the scheme, the hash value of the first ciphertext information, the hash value of the second ciphertext information and the hash value of the third ciphertext information are used for searching the first ciphertext information, the second ciphertext information and the third ciphertext information recorded by the first storage center, the second storage center and the third storage center, so that the transaction information to be checked is checked more accurately. Therefore, in the technical scheme provided by the scheme, the supervision and management organization can effectively carry out strict examination on the legitimacy of the transaction provided by the bank. In this scheme, the reason why the first ciphertext information, the second ciphertext information, and the third ciphertext information are set is that the supervision platform has a large part of false transaction information in the transaction information just received, and the transaction information cannot pass the verification of the bank, so if the supervision platform collects the transaction information, the supervision platform may cause erroneous transaction information. In the scheme, the information collected by the supervision platform is guaranteed to be transaction information which is already generated after the information is checked by the bank.
Further: in step 411, the supervisory platform checks the authenticity of the registration information.
As a second aspect of the present application, some embodiments of the present application further provide a supervisory system, including a plurality of servers of banks and a server of a supervisory platform, negotiating to form a blockchain network; the supervision platform adopts the financial information management method based on the blockchain technology to supervise the bank.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this specification. The drawings and their description are illustrative of the application and are not to be construed as unduly limiting the application.
In addition, the same or similar reference numerals denote the same or similar elements throughout the drawings. It should be understood that the figures are schematic and that elements and components are not necessarily drawn to scale.
In the drawings:
FIG. 1 is a schematic diagram of a method of managing financial information based on blockchain technology;
FIG. 2 is a flow chart of verifying the validity of an original account in a blockchain technology-based financial information management method;
FIG. 3 is a flow chart of verifying the legitimacy of a transaction in a blockchain technology-based financial information management method;
Fig. 4 is a schematic diagram of a supervisory system.
Reference numerals:
Detailed Description
Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While certain 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 construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete. It should be understood that the drawings and embodiments of the present disclosure are for illustration purposes only and are not intended to limit the scope of the present disclosure.
It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings. Embodiments of the present disclosure and features of embodiments may be combined with each other without conflict.
The present disclosure will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
With reference to figure 1 of the drawings,
a financial information management method based on a blockchain technology comprises the following steps of
An initialization stage:
server of several banks and server M of supervision platform j Negotiating to form a block chain network;
in this embodiment, several banks refer to banks that need to be supervised by a supervision platform. The corresponding settings may be made as desired.
A blockchain network consisting of a plurality of servers of banks and a server of a supervision platform belongs to a alliance chain; information on the blockchain network can only be queried and downloaded by members constituting the blockchain network.
It should be noted here that the blockchain network is composed of all banks and supervisory platforms separately providing servers. Not all servers of each bank make up a blockchain network. For example, a bank has 10 servers, and the bank uses only one of the servers for building a blockchain network. Thus, the information shared on the blockchain network is the information that is desired to be shared between the various members, and not all the information between each member.
In particular, the method comprises the steps of,
several banks are denoted as M 1 、M 2 、M 3 、…M n …、M m Wherein any 1 bank is designated as bank M n ，n∈[1,m]；
The users of several banks are denoted as U 1 、U 2 、U 3 、…U k …U t Wherein any one user is denoted as user U k ；
Each bank needing supervision by the supervision platform negotiates with the supervision platform to form a blockchain network;
negotiating an encryption algorithm and a hash value calculation method in a block chain network;
the supervision platform generates a pair of key pairs according to an encryption algorithm, wherein a private key is Pej, a public key is Puj, and the public key Puj is broadcasted to the blockchain network;
Bank M n Generating a pair of secret key pairs according to an encryption algorithm, wherein the secret key is Pen, the public key is Pun, and the public key Pun is broadcasted to a block chain network;
therefore, in the blockchain network, each bank and server has its own corresponding public key and its own corresponding private key.
Negotiating an encryption algorithm in the blockchain network;
the encryption algorithm may be an elliptic encryption algorithm, or the remaining encryption algorithms. Taking an elliptic encryption algorithm as an example:
registration:
the user sends registration information and an identity mark to the supervision platform, and the supervision platform generates anchoring information according to the identity mark and the registration information; the supervision platform sends the anchoring information and the registration information to a bank which the user needs to register;
the bank establishes an original account for the user according to the registration information, and encrypts the original account into an associated account according to the anchoring information; and upload the associated account into the blockchain network.
The identity mark is an identity card number or a unified social credit code of an enterprise. The identity mark is unique information of the identity of a legal person or a natural person in social life; in practice, the identification information is specific to why it is relevant to the requirements of the bank to register a bank account. The present invention is not limited in particular. It is envisioned that if a bank registers an account with the driver's license information, that identification may also be the driver's license information.
The user registration phase specifically includes the following steps:
step 21: user U k Uploading the identity and the registration information to a supervision platform, and encrypting the identity and the registration information by the supervision platform by using a private key Pej to obtain anchoring information;
in step 21, the registration information specifically includes: target bank, registration requirement, registration time, applicant information.
The target bank is a bank in which the user wants to complete account registration;
registration requirements refer to specific requirements that are required by a user when registering an account. Such as whether the account is a savings account, a credit account, for payroll, a useful fee, etc. Registration requirements are typically associated with the bank, and management of the bank account. There is no particular limitation herein.
Registration time refers to the time at which registration information is generated.
The applicant information refers to information required to be checked when the user completes account registration at the bank. The relationship between the user and the bank is not strong, so the relationship is not explained specifically.
Essentially, the registration information is information required by a legal person or a natural person to register an account at a bank. The process of establishing an account between the bank and the user is referred to herein, so the manner in which the bank audits the registration information will not be further described herein.
In step 21: because the anchoring information is obtained by encrypting the identity and the registration information, the identity and the corresponding registration information can be obtained after the anchoring information is decrypted.
Step 22: the supervision platform sends the anchoring information and the registration information to the bank M which the user requests registration n At the same time, the anchoring information is returned to the user U k And stores the anchoring information in the server of the supervisory platform itself. (no uploading of blockchain network, avoiding leakage of user information of banks)
Step 23: bank M n Server to user U k Checking the registration information of the mobile terminal; if the verification is passed, the user creates the original account successfully on the bank, and the bank returns the certificate and the time stamp of the successful creation of the original account to the user; if the audit is not passed, the registration fails and the bank reverts the credentials and timestamp of the failure to the original account creation.
Step 24: the bank encrypts the original account and the anchoring information by adopting the public key Puj to obtain an associated account, and uploads the associated account to the blockchain. (the other banks cannot obtain the associated account, is that bank at all)
Transaction stage:
when the supervision platform verifies the validity of the original account:
The supervision platform asks the bank to issue registration information for registering the original account to be checked, and registers identity information of the original account to be checked; the bank generates verification anchoring information according to the registration information of the original account to be checked and the identity information of the original account to be checked;
and the supervision platform obtains the verification association account according to the verification anchor information and the original account issued by the bank, and judges the validity of the original account of the bank according to whether the verification association account is recorded in the blockchain network.
The transaction phase mainly comprises the following steps:
step 31: user U k And sending transaction information to the supervision platform, wherein the transaction information at least comprises an original account of a payer, an original account of a payee and a transaction amount.
In step 31, the transaction information is information that the bank can complete the transaction after verification. The information verification step inside the bank, the specific generation mode and verification mode are not further described here. However, the transaction information may include information such as fund source, fund destination, transaction password, and time.
Step 32: the supervision platform encrypts the transaction information by adopting a private key Pej to obtain encrypted information, and generates a unique transaction serial number according to the encrypted information.
In step 32, a unique serial number is generated according to the encrypted information, so that a one-to-one mapping relationship exists between the encrypted information and the transaction serial number. That is, unique encryption information can only obtain a unique serial number.
This can be accomplished in a number of ways: for example, in step 32, the first N numbers of the obtained numbers are used as serial numbers after 10-system storage according to the hash value of the encrypted information.
Step 33: and the supervision platform uploads the transaction serial number, the hash value of the file formed by the transaction information and the transaction serial number together into the blockchain network.
In step 33, the supervisory platform, after obtaining the transaction serial number, puts together the transaction serial number and the transaction information, and calculates the hash value of the new file after the new file is formed. After the transaction serial number and the transaction information are uploaded onto the blockchain network together with the hash value of the file formed by the transaction serial number,
step 34: the supervision platform sends the transaction information to the corresponding bank M n Bank M n Checking the transaction information, if the checking is successful, starting normal transaction, and after the transaction is successful;
bank M n Encrypting the association account of the transaction serial number and the payment party, the association account of the transaction serial number and the collection party, and the transaction serial number and the transaction amount by adopting a private key Pen respectively to obtain first ciphertext information, second ciphertext information and third ciphertext information;
the bank Mn sends the first ciphertext information, the second ciphertext information and the third ciphertext information to a first storage center, a second storage center and a third storage center of the supervision platform for storage respectively,
uploading the hash value and the transaction serial number of the first ciphertext information, the hash value and the transaction serial number of the second ciphertext information, and the hash value and the transaction serial number of the third ciphertext information to a blockchain network;
if the transaction fails, the bank M n Returning the transaction serial number and the transaction information corresponding to the transaction serial number to the user U by the certificate of the transaction failure k And published into a blockchain network.
Transaction information supervision stage:
when the supervision platform verifies the validity of the original account:
the supervision platform asks the bank to issue registration information for registering the original account to be checked, and registers identity information of the original account to be checked; the bank generates verification anchoring information according to the registration information of the original account to be checked and the identity information of the original account to be checked;
The supervision platform obtains a verification associated account according to the verification anchor information and an original account issued by the bank, and judges the validity of the original account of the bank according to whether the verification associated account is recorded in the blockchain network or not;
when the supervision platform verifies the transaction in the bank:
the supervision platform asks the bank to issue a transaction serial number and transaction information of the transaction to be checked, and judges whether the transaction to be checked is legal or not according to whether the transaction serial number is recorded in a blockchain network or not; if the record is included, the transaction to be checked is legal, and if the record is not included, the transaction to be checked is illegal.
Referring to fig. 2, in the transaction information administration phase, the administration platform verifies the validity of the original account, including the following steps:
step 411: the bank sends the original account to be checked, the registration information of the original account to be checked and the application information of the original account to be checked to the supervision platform.
In step 411, the supervisory platform checks the authenticity of the registration information. However, here, the collection and processing of the registration information by the bank and whether the registration information meets the relevant regulations are mainly checked; therefore, the specific checking mode will not be described here.
Step 412: supervision platform to bank M n The registration information of the original account to be checked and the identity information of the original account to be checked are encrypted by a private key Pej of the supervision platform to obtain verification anchoring information;
step 413: will verify the anchoring information and bank M n The original account to be checked is encrypted by adopting the public key Puj of the supervision platform to obtain a verification associated account;
step 414: comparing the verification associated account with the associated account stored in the blockchain network, and if the associated account which is the same as the verification associated account is not stored in the blockchain network, indicating that the original account is an illegal original account;
if the same associated account as the verified associated account is stored in the blockchain network, the original account is interpreted as a legal original account.
It should be noted that the meaning of the legal original account and the illegal original account is whether the account registered by the bank is registered to the bank through the interface of the supervision platform. Rather than the user registering directly with the bank. If the user directly registers with the bank, the user belongs to an illegal account; if the user finishes the account registration to the bank through the supervision platform, the user belongs to a legal account.
Referring to fig. 3, when the supervisory platform verifies the legitimacy of a transaction in a bank: the method comprises the following steps:
step 421: bank M n Issuing a transaction serial number and transaction information of the transaction to be checked to the supervision platform;
step 422: the supervision platform encrypts transaction information of the transaction to be checked by adopting a private key Pej to obtain verification encryption information, and generates a verification transaction serial number according to the verification encryption information;
step 423: judge and verify transaction serial number and bank M n If the transaction serial numbers of the transactions to be checked are equal, the verification is successful, and the next step is executed; if not, the verification fails.
Step 424: judging whether the transaction serial number issued by a bank to the supervision platform is in a blockchain network or not, and recording the transaction serial number of successful transaction; if yes, executing the next step, and if not, failing to verify;
step 425: according to bank M n Searching a transaction serial number sent by the supervision platform for a hash value of the first ciphertext information, a hash value of the second ciphertext information and a hash value of the third ciphertext information recorded in the blockchain network;
searching the first ciphertext information of the first storage center, the second ciphertext information of the second storage center and the third ciphertext information of the third storage center according to the hash value of the first ciphertext information, the hash value of the second ciphertext information and the hash value of the third ciphertext information;
Step 426: the first ciphertext information, the second ciphertext information and the third ciphertext information adopt a bank M n Decrypting the public key Pun to obtain an associated account of the transaction serial number and the payer, an associated account of the transaction serial number and the payee, and the transaction serial number and the transaction amount; the transaction amount is compared with the associated account of the payer, the associated account of the payee and the transaction amount in the transaction information provided by the bank; if the two types of the transaction are equal, the fact that the transaction to be checked is legal is indicated, and if the two types of the transaction to be checked are not equal, the fact that the transaction to be checked is illegal is indicated.
Referring to fig. 4, example 2: a supervision system comprises a plurality of banking servers and a supervision platform server, wherein the banking servers and the supervision platform servers negotiate to form a blockchain network; the supervision platform adopts the financial information management method based on the blockchain technology to supervise the bank.
The foregoing description is only of the preferred embodiments of the present disclosure and description of the principles of the technology being employed. It will be appreciated by those skilled in the art that the scope of the invention in the embodiments of the present disclosure is not limited to the specific combination of the above technical features, but encompasses other technical features formed by any combination of the above technical features or their equivalents without departing from the spirit of the invention. Such as the above-described features, are mutually substituted with (but not limited to) the features having similar functions disclosed in the embodiments of the present disclosure.

Claims (6)

1. A financial information management method based on a blockchain technology is characterized in that: the method comprises the following steps:
an initialization stage: the servers of the banks and the server of the supervision platform are negotiated to form a block chain network;
registration:
the user sends registration information and an identity mark to the supervision platform, and the supervision platform generates anchoring information according to the identity mark and the registration information;
the supervision platform sends the anchoring information and the registration information to a bank which the user needs to register;
the bank establishes an original account for the user according to the registration information, and encrypts the original account into an associated account according to the anchoring information; uploading the associated account to a blockchain network;
transaction stage:
the user sends transaction information, anchoring information of an original account related to the transaction information and an identity mark to the supervision platform;
the supervision platform generates a transaction serial number, then sends the transaction serial number and transaction information to a corresponding bank, and uploads a hash value of a file formed by the transaction serial number, the transaction information and the transaction serial number to the blockchain network;
the bank receiving the transaction information verifies the transaction information, if the transaction is successful, the information of the successful transaction and the transaction serial number are uploaded to the blockchain network together, and if the transaction is failed, the information of the transaction serial number transaction failure is uploaded to the blockchain network;
Transaction information supervision stage:
when the supervision platform verifies the validity of the original account:
the supervision platform asks the bank to issue registration information for registering the original account to be checked, and registers identity information of the original account to be checked; the bank generates verification anchoring information according to the registration information of the original account to be checked and the identity information of the original account to be checked;
the supervision platform obtains a verification associated account according to the verification anchor information and an original account issued by the bank, and judges the validity of the original account of the bank according to whether the verification associated account is recorded in the blockchain network or not;
when the supervisory platform verifies the legitimacy of the transaction in the bank:
the supervision platform asks the bank to issue a transaction serial number and transaction information of the transaction to be checked, and judges whether the transaction to be checked is legal or not according to whether the transaction serial number is recorded in a blockchain network or not; if the record is recorded, the transaction to be checked is legal, and if the record is not recorded, the transaction to be checked is illegal;
several banks are denoted as M 1 、M 2 、M 3 、…M n …、M m Wherein any 1 bank is designated as bank M n ，n∈[1,m]；
The users of several banks are denoted as U 1 、U 2 、U 3 、…U k …, any one of which is denoted as user U k ；
The initialization stage comprises:
Each bank needing supervision by the supervision platform negotiates with the supervision platform to form a blockchain network;
negotiating an encryption algorithm and a hash value calculation method in a block chain network;
the supervision platform generates a pair of key pairs according to an encryption algorithm, wherein a private key is Pej, a public key is Puj, and the public key Puj is broadcasted to the blockchain network;
bank M n Generating a pair of secret key pairs according to an encryption algorithm, wherein the secret key is Pen, the public key is Pun, and the public key Pun is broadcasted to a block chain network;
the user registration phase specifically includes the following steps:
step 21: user U k Uploading the identity and the registration information to a supervision platform, and encrypting the identity and the registration information by the supervision platform by using a private key Pej to obtain anchoring information;
step 22: the supervision platform anchors the informationRegistration information is sent to a bank M for which a user requests registration n At the same time, the anchoring information is returned to the user U k The anchoring information is stored in a server of the supervision platform;
step 23: bank M n Server to user U k Checking the registration information of the mobile terminal; if the verification is passed, the user creates the original account successfully on the bank, and the bank returns the certificate and the time stamp of the successful creation of the original account to the user; if the verification is not passed, the registration fails, and the bank reversely restores the credentials and the time stamp of the failure creation of the initial account to the user;
Step 24: bank M n And encrypting the original account and the anchoring information by adopting the public key Puj to obtain an associated account, and uploading the associated account to the blockchain.
2. The blockchain technology-based financial information management method of claim 1, wherein: the transaction phase mainly comprises the following steps:
step 31: user U k Transmitting transaction information to a supervision platform, wherein the transaction information at least comprises an original account of a payer, an original account of a payee and transaction amount;
step 32: the supervision platform encrypts the transaction information by adopting a private key Pej to obtain encrypted information, and generates a unique transaction serial number according to the encrypted information;
step 33: the supervision platform uploads the transaction serial number, the hash value of a file formed by the transaction information and the transaction serial number together into the blockchain network;
step 34: the supervision platform sends the transaction information to the corresponding bank M n Bank M n Checking the transaction information, if the checking is successful, starting normal transaction, and after the transaction is successful;
bank M n Encrypting the association account of the transaction serial number and the payment party, the association account of the transaction serial number and the collection party, and the transaction serial number and the transaction amount by adopting a private key Pen to obtain first ciphertext information, second ciphertext information and third ciphertext information;
The bank Mn sends the first ciphertext information, the second ciphertext information and the third ciphertext information to a first storage center, a second storage center and a third storage center of the supervision platform for storage respectively,
uploading the hash value and the transaction serial number of the first ciphertext information, the hash value and the transaction serial number of the second ciphertext information, and the hash value and the transaction serial number of the third ciphertext information to a blockchain network;
if the transaction fails, the bank M n Returning the transaction serial number and the transaction information corresponding to the transaction serial number to the user U by the certificate of the transaction failure k And published into a blockchain network.
3. The blockchain technology-based financial information management method of claim 2, wherein: in step 32, the hash value of the encrypted information is stored in 10 system, and the obtained number is used as the serial number of the transaction.
4. The blockchain technology-based financial information management method of claim 3, wherein: in step 33, the supervisory platform, after obtaining the transaction serial number, puts together the transaction serial number and the transaction information, and calculates the hash value of the new file after the new file is formed.
5. The blockchain technology-based financial information management method of claim 4, wherein: in the transaction information supervision stage, the supervision platform checks the authenticity of the registration information.
6. A supervisory system characterized by: comprising the following steps: the servers of the banks and the server of the supervision platform are negotiated to form a block chain network; the supervision platform adopts the financial information management method based on the blockchain technology as defined in any one of claims 1 to 5 to supervise a bank.
CN202310982155.9A 2023-08-07 2023-08-07 Financial information management method based on blockchain technology and supervision system thereof Active CN116720839B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202310982155.9A CN116720839B (en) 2023-08-07 2023-08-07 Financial information management method based on blockchain technology and supervision system thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310982155.9A CN116720839B (en) 2023-08-07 2023-08-07 Financial information management method based on blockchain technology and supervision system thereof

Publications (2)

Publication Number Publication Date
CN116720839A CN116720839A (en) 2023-09-08
CN116720839B true CN116720839B (en) 2023-10-17

Family

ID=87866403

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202310982155.9A Active CN116720839B (en) 2023-08-07 2023-08-07 Financial information management method based on blockchain technology and supervision system thereof

Country Status (1)

Country Link
CN (1) CN116720839B (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN117436878B (en) * 2023-12-19 2024-02-23 成都天府通数字科技有限公司 Multi-channel payment method and payment system based on blockchain technology

Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106503994A (en) * 2016-11-02 2017-03-15 西安电子科技大学 Block chain private data access control method based on encryption attribute
CN107038638A (en) * 2017-02-24 2017-08-11 杭州象链网络技术有限公司 A kind of equity registration transaction system construction method based on alliance's chain
CN107483198A (en) * 2017-09-25 2017-12-15 中国科学院信息工程研究所 A kind of block catenary system supervised and method
CN111639923A (en) * 2020-05-07 2020-09-08 杭州云象网络技术有限公司 Digital currency transaction accounting method and system based on zero knowledge proof
CN111724153A (en) * 2020-06-08 2020-09-29 交通银行股份有限公司 Prepaid consumption supervision system and method based on block chain and storage medium
CN111768180A (en) * 2020-06-24 2020-10-13 江苏荣泽信息科技股份有限公司 Block chain account balance deposit certificate and recovery method
CN112116352A (en) * 2020-09-28 2020-12-22 贵州大学 Distributed energy transaction method for protecting user account privacy
KR20210139110A (en) * 2020-05-12 2021-11-22 백승오 Blockchain-based financial account safety management system and method therefor
CN115174184A (en) * 2022-06-30 2022-10-11 江苏大学 Attribute-based encryption-based transaction object identity anonymous traceable method, network device and storage device
CN115907762A (en) * 2022-12-26 2023-04-04 江苏大学 Cross-industry supply chain supervision method based on multi-chain cooperation
CN116308776A (en) * 2022-12-28 2023-06-23 中国人民银行数字货币研究所 Transaction supervision method and device based on blockchain, electronic equipment and storage medium
CN116527681A (en) * 2022-12-13 2023-08-01 中国工商银行股份有限公司 Data anonymous uplink method, device, computer equipment and storage medium

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106845960B (en) * 2017-01-24 2018-03-20 上海壹账通区块链科技有限公司 Method for secure transactions and system based on block chain
CN110431541A (en) * 2017-07-27 2019-11-08 大羚羊区块链金融科技股份有限公司 The electronic trading system and electronic trade method recorded using block chain stored transaction
CN110084068B (en) * 2018-01-26 2023-09-29 阿里巴巴集团控股有限公司 Block chain system and data processing method for block chain system

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106503994A (en) * 2016-11-02 2017-03-15 西安电子科技大学 Block chain private data access control method based on encryption attribute
CN107038638A (en) * 2017-02-24 2017-08-11 杭州象链网络技术有限公司 A kind of equity registration transaction system construction method based on alliance's chain
CN107483198A (en) * 2017-09-25 2017-12-15 中国科学院信息工程研究所 A kind of block catenary system supervised and method
CN111639923A (en) * 2020-05-07 2020-09-08 杭州云象网络技术有限公司 Digital currency transaction accounting method and system based on zero knowledge proof
KR20210139110A (en) * 2020-05-12 2021-11-22 백승오 Blockchain-based financial account safety management system and method therefor
CN111724153A (en) * 2020-06-08 2020-09-29 交通银行股份有限公司 Prepaid consumption supervision system and method based on block chain and storage medium
CN111768180A (en) * 2020-06-24 2020-10-13 江苏荣泽信息科技股份有限公司 Block chain account balance deposit certificate and recovery method
CN112116352A (en) * 2020-09-28 2020-12-22 贵州大学 Distributed energy transaction method for protecting user account privacy
CN115174184A (en) * 2022-06-30 2022-10-11 江苏大学 Attribute-based encryption-based transaction object identity anonymous traceable method, network device and storage device
CN116527681A (en) * 2022-12-13 2023-08-01 中国工商银行股份有限公司 Data anonymous uplink method, device, computer equipment and storage medium
CN115907762A (en) * 2022-12-26 2023-04-04 江苏大学 Cross-industry supply chain supervision method based on multi-chain cooperation
CN116308776A (en) * 2022-12-28 2023-06-23 中国人民银行数字货币研究所 Transaction supervision method and device based on blockchain, electronic equipment and storage medium

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
"区块链技术在现代金融管理中的运用分析";白澄宇;《现代商业》(第35期);100-103 *
基于区块链的异构身份联盟与监管体系架构和关键机制;董贵山;张兆雷;李洪伟;白健;郝尧;陈宇翔;;通信技术(第02期);401-413 *

Also Published As

Publication number Publication date
CN116720839A (en) 2023-09-08

Similar Documents

Publication Publication Date Title
CN107609866B (en) Electronic payment and electronic cash collection method and device based on virtual currency
US7254705B2 (en) Service providing system in which services are provided from service provider apparatus to service user apparatus via network
WO2021008453A1 (en) Method and system for offline blockchain transaction based on identifier authentication
CN101546407B (en) Electronic commerce system and management method thereof based on digital certificate
US20060123465A1 (en) Method and system of authentication on an open network
CN105900375A (en) Efficient methods for protecting identity in authenticated transmissions
CN108737442A (en) A kind of cryptographic check processing method
JP2002259605A (en) Device and method for information processing and storage medium
AU2004288540A1 (en) Portable security transaction protocol
JP2005328574A (en) Cryptographic system and method with key escrow feature
KR20170141976A (en) System and method for providing electronic signature service
US10657523B2 (en) Reconciling electronic transactions
WO2018088475A1 (en) Electronic authentication method and program
CN116720839B (en) Financial information management method based on blockchain technology and supervision system thereof
CN111460525A (en) Data processing method and device based on block chain and storage medium
CN110634072B (en) Block chain transaction system based on multi-signature and hardware encryption
CA3184856A1 (en) Method, participatant unit, transaction register, and payment system for managing transaction data sets
KR20180052838A (en) Method for Operating Safety Remittance by using Unchangeable Double Record based on Verification of the Remittee
KR20130048532A (en) Next generation financial system
CN111062833A (en) Signature authentication method of contract data and related device
US20230267426A1 (en) Payment system, coin register, participant unit, transaction register, monitoring register and method for payment with electronic coin data sets
TWI828001B (en) System for using multiple security levels to verify customer identity and transaction services and method thereof
CN113505358B (en) Method for supervising information processing behaviors
CN111414629B (en) Electronic contract signing device
EA018591B1 (en) The method of payment transactions performance by user of electronic communication mobile devices and computer based system for noncash transfers therefor

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant