GB2611618A - Method for storing data in blockchain, related payment management system and non-transitory computer-readable storage medium - Google Patents

Method for storing data in blockchain, related payment management system and non-transitory computer-readable storage medium Download PDF

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Publication number
GB2611618A
GB2611618A GB2211455.7A GB202211455A GB2611618A GB 2611618 A GB2611618 A GB 2611618A GB 202211455 A GB202211455 A GB 202211455A GB 2611618 A GB2611618 A GB 2611618A
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Prior art keywords
data
credit
unmasked
masked
contract
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GB202211455D0 (en
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Leung Lau Cho
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Keychain Fintech Ltd
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Keychain Fintech 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Signal Processing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • General Health & Medical Sciences (AREA)
  • Software Systems (AREA)
  • Computing Systems (AREA)
  • Technology Law (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for storing data including credit information in a blockchain, a related payment management system, and a non-transitory computer-readable storage medium are provided. The method includes: receiving data; masking at least a first part of the data by a cryptography method; storing the masked first part of the data in a blockchain database; and storing the first part of the data, as unmasked first part of the data, in an off-blockchain database.

Claims (22)

1. A method for storing data in a blockchain, comprising: receiving data; masking at least a first part of the data by a cryptography method; storing the masked first part of the data in a blockchain database; and storing the first part of the data, as unmasked first part of the data, in an off-blockchain database.
2. The method of claim 1, further comprising: storing a second part of the data in both the blockchain database and the off-blockchain database, wherein the second part of the data is different from the first part of t he data.
3. The method of claim 1, wherein the masking at least a first part of the data comprises: masking the entire data by the cryptography method; storing the masked data in the blockchain database; and storing the entire data, as unmasked data, in the off-blockchain database.
4. The method of claim 2, wherein after the storing the masked first part of the data and the stori ng the unmasked first part of the data, the method further comprises: cross-checking the unmasked first part of the data with the masked first p art of the data, and wherein the masking at least a first part of the data by a cryptography me thod comprises masking the first part of the data by a cryptographic hashi ng function; wherein the cross-checking the unmasked first part of the data with the ma sked first part of the data comprises: putting the unmasked first part of the data into a same cryptographic hash ing function as the cryptographic hashing function used to mask the first part of the data to obtain output hashes; and comparing the output hashes with the masked first part of the data retriev ed from the blockchain database.
5. The method of claim 4, wherein the masking the first part of the data by a cryptographic hashing function comprises: adding salts into the first part of the data to obtain an intermediate fir st part of the data; and putting the intermediate first part of the data into the cryptographic has hing function to obtain the masked first part of the data.
6. The method of claim 5, further comprising: storing the salts together with the unmasked first part of the data in the off-blockchain database.
7. The method of claim 2, wherein after the storing a second part of the data, the method further comprises cross-checking the second part of the data i n the off-blockchain database with the second part of the data in the bloc kchain database, which comprises: comparing the second part of the data retrieved from the off-blockchain da tabase with the second part of the data retrieved from the blockchain data base.
8. A payment management system, comprising: an end-user application configured to receive raw data, wherein the raw data at least comprises contract data between a target us er and a provider of target goods and/or target services, and payment record data of the target user associated with the contract d ada; an artificial intelligence-powered credit analytical engine configured to generate credit data for the target user based on at least the contract da ta and the payment record data; and an application programming interface-enabled middleware configured to: mask at least a first part of at least one of the contract data, the payment record data and the credit data by a cryptography method; store the masked first part of at least one of the contract data, the payment record data and the credit data in a blockchain database; and store the first part, as unmasked first part, of at least one of the contract data, the payment record data and the credit data, in an off-blockchain database.
9. The payment management system of claim 8, wherein the application programming interface-enabled middleware is furth er configured to: store a second part of the contract data in both the blockchain database a nd the off-blockchain database, wherein the second part of the contract data is different from the first part of the contract data.
10. The payment management system of claim 9, wherein the application programming interface-enabled middleware is furth er configured to: mask the entire payment record data and the entire credit data by the cryp tography method; store the masked payment record data and the masked credit data in the blo ckchain database; and store the entire payment record data as unmasked payment record data and t he entire credit data as unmasked credit data, in the off-blockchain database.
11. The payment management system of claim 8, wherein the application programming interface-enabled middleware is furth er configured to: mask the entire contract data, the entire payment record data and the entire credit data by the cryptogr aphy method; store the masked contract data, the masked payment record data, and the masked credit data in the blockchain database; and store the entire contract data as unmasked contract data, the entire payment record data as unmasked payment record, and the entire credit data as unmasked credit data, in the off-blockchain database.
12. The payment management system of claim 10, wherein the application programming interface-enabled middleware is confi gured to mask at least the first part of the contract data, the entire payment record data and the entire credit data by a cryptograp hic hashing function.
13. The payment management system of claim 12, wherein the application programming interface-enabled middleware is furth er configured to: add salts into the first part of the contract data, the entire payment record data and the entire credit data to obtain an in termediate first part of the contract data, an intermediate payment record data, and an intermediate credit data respectively; and put the intermediate first part of the contract data, the intermediate payment record data, and the intermediate credit data into the cryptographic hashing function to obtain the masked first part of the contract data, the masked payment record data, and the masked credit data respectively.
14. The payment management system of claim 13, wherein the application programming interface-enabled middleware is furth er configured to: store the salts together with the unmasked first part of the contract data , the unmasked payment record data and the unmasked credit data in the off- blockchain database.
15. The payment management system of claim 14, wherein the application programming interface-enabled middleware is furth er configured to: cross-check the unmasked first part of the contract data, the unmasked payment record data and the unmasked credit data with the ma sked first part of the contract data, the masked payment record data and the masked credit data respectively, wherein the cross-checking the unmasked first part of the contract data, the unmasked payment record data and the unmasked credit data comprises: putting the unmasked first part of the contract data, the unmasked payment record data and the unmasked credit data, and corresponding salts into the same cryptographic hashing functions as the cryptographic hashing function used to mask the first part of the data , the payment record data and the credit data respectively to obtain output hashes; and comparing the output hashes with the masked first part of the contract dat a, the masked payment record data and the masked credit data retrieved from the blockchain database respectively.
16. The payment management system of claim 15, wherein the application programming interface-enabled middleware is furth er configured to: cross-check the second part of the contract data, wherein the cross-checking the second part of the contract data comprises: comparing the second part of the contract data retrieved from the off-bloc kchain database with the second part of the contract data retrieved from t he blockchain database.
17. The payment management system of claim 8, wherein the artificial intelligence-powered credit analytical engine is further co nfigured to generate a fraud alert indicating a fraud level with descripti on based on fraudulent and/or suspicious activities done by the target use r, and the application programming interface-enabled middleware is further config ured to: mask at least a first part of the fraud alert data by a cryptography metho d; store the masked first part of the fraud alert data in the blockchain data base; and store the first part of the fraud alert data as unmasked first part of the fraud alert data and an second part of the fraud alert data in the off-bl ockchain database, wherein the first part of the fraud alert data is different from the seco nd part of the fraud alert data, or, the application programming interface-enabled middleware is further confi gured to: mask the entire fraud alert data by a cryptography method; store the masked fraud alert data in the blockchain database; and store the fraud alert data, as unmasked fraud alert data, in the off-blockchain database.
18. The payment management system of claim 8, wherein the artificial intelligence-powered credit analytical engine is f urther configured to generate a credit report data indicating the comprehe nsive credit overview of the target user based on the data stored in the o ff-blockchain database; and the application programming interface-enabled middleware is further config ured to: mask at least a first part of the credit report data by a cryptography met hod; store the masked first part of the credit report data in the blockchain da tabase; and store the first part of the credit report data as unmasked first part of t he credit report data and an second part of the credit report data in the off-blockchain database, wherein the first part of the credit report data is different from the se cond part of the credit report data, or, the application programming interface-enabled middleware is further confi gured to: mask the entire credit report data by a cryptography method; store the masked credit report data in the blockchain database, and store the credit report data, as unmasked credit report data, in the off-blockchain database.
19. The payment management system of claim 8, the artificial intelligence-powered credit analytical engine is further c onfigured to: generate an initial credit score data based on a provided payment method, tenancy information, company search results and criminal record check; and assign the initial credit score data to the target user, and the application programming interface-enabled middleware is further config ured to: mask at least a first part of the initial credit score data by a cryptogra phy method; store the masked first part of the initial credit score data in the blockc hain database; and store the first part of the credit report data as unmasked first part of t he initial credit score data and an second part of the initial credit scor e data in the off-blockchain database, wherein the first part of the initial credit score data is different from the second part of the initial credit score data, or, the application programming interface-enabled middleware is further confi gured to: mask the entire initial credit score data by a cryptography method; store the masked initial credit score data in the blockchain database; and store the initial credit score data, as unmasked initial credit score data, in the off-blockchain database.
20. The payment management system of claim 10, wherein the application programming interface-enabled middleware is furth er configured to: allow a third-party application to retrieve the unmasked first part of the contract data, the second part of the contract data, the unmasked payment record data, and the unmasked credit data in the off-blockchain database, and retrieve the masked first part of the contract data, the second part of the contract data, the masked payment record data, and the masked credit data in the blockchain database by an application p rogramming interface.
21. The payment management system of claim 8, wherein the artificial intelligence-powered credit analytical engine is f urther configured to recalculate the credit data when a new successful pay ment record or a new failed payment record occurs.
22. A non-transitory computer-readable storage medium storing instructions whi ch, when executed by a processor, cause the processor to perform the method of any one of claims 1-7.
GB2211455.7A 2021-01-28 2022-01-19 Method for storing data in blockchain, related payment management system and non-transitory computer-readable storage medium Withdrawn GB2611618A (en)

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HK32021024412 2021-01-28
PCT/CN2022/072726 WO2022161225A1 (en) 2021-01-28 2022-01-19 Method for storing data in blockchain, related payment management system and non-transitory computer-readable storage medium

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WO2022161225A1 (en) 2022-08-04

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