TWI670657B - Payment confirmation system - Google Patents

Abstract

A payment confirmation system includes a payment confirmation verification node, a payment and payment server, and a payment confirmation server. The payment confirmation server is electrically connected to the payment confirmation verification node and the payment and payment server, and establishes a connection with a merchant computer system, and performs a post-payment confirmation process and a pre-payment confirmation process. The payment confirmation server receives a transaction instruction from the merchant computer system and a blockchain information corresponding to a transaction record, and after the payment server performs a financial transfer success, drives the payment confirmation verification node in a zone In the blockchain network, the transaction record is searched, and a confirmation note corresponding to the successful payment is added to the transaction record.

Description

Payment confirmation system

The present invention relates to a payment confirmation system, and more particularly to a payment confirmation system for transaction on a blockchain.

In response to the booming global blockchain, various blockchain products such as e-tickets and digital copyrights have also emerged in the country, but companies have developed blockchains that ensure real transactions and ownership cannot be tampered with. The platform, however, is unable to complete subsequent transactions because of the lack of a Delivery of Payment System (DvP System) that can be connected to the blockchain platform. The main reasons are as follows.

First, cryptocurrencies are not available: if it is the design of public blockchain technology such as Bitcoin or Ethereum, any blockchain-based transactions are based on cryptocurrencies, but because cryptocurrencies are not legal It should not be regarded as a legal payment tool in China. Therefore, if domestic consumers use blockchain products to purchase cryptocurrency or sell blockchain products to obtain cryptocurrency, they will lose the transaction security they deserve.

Second, transactions on the blockchain need to be confirmed: because the cryptocurrency cannot For blockchain business operators to switch to use, if domestic consumers want to buy blockchain products, or domestic businesses want to sell blockchain products, still need to use the payment methods provided by existing financial institutions, such as credit card, transfer, media exchange Automated Clearing House (ACH), etc., but at the same time requires financial institutions to confirm the validity of the transaction on the blockchain.

For example, if a certain seller sells a digital copyright to a certain B, a certain B transfer gives a certain A, and a certain A delivers a digital copy of the copyright certificate to a certain B, but if there is a dispute over the transaction afterwards, the delivery of a certain A has a record. On the blockchain, but a B's payment is not recorded on the blockchain. Therefore, a certain A may deny the payment and claim the loss of his rights, which is unfavorable to a certain B. Conversely, if a certain company first delivers digital copyright, but a certain B does not pay the promised amount, then a certain A cannot pass the blockchain to prove that a certain B has not fulfilled its obligations. It can be seen that the confirmation of payment based on the blockchain is very important for the transaction on the blockchain, and it is an extremely problem to be solved.

Accordingly, it is an object of the present invention to provide a payment confirmation system that provides confirmation of transactions on a blockchain.

Thus, the payment confirmation system of the present invention is applicable to a merchant computer system and a blockchain network, the merchant computer system generates a transaction instruction corresponding to a transaction content, and notes a corresponding transaction content on the blockchain network. Transaction record. The payment confirmation system includes a payment confirmation verification node and a payment and payment server. And a payment confirmation server.

The payment confirmation verification node establishes a connection with the blockchain network and receives a first drive command to search for the transaction record in the blockchain network and add a corresponding payment to the transaction record. A successful confirmation note.

The payment server performs a corresponding financial transfer. The payment confirmation server connects to the payment confirmation verification node and the payment and payment server, and establishes a connection with the merchant computer system, and performs a post-payment confirmation process and a pre-payment confirmation process.

The payment confirmation server receives the transaction instruction from the merchant computer system and a blockchain information corresponding to the transaction record, and then transmits the transaction instruction to the payment and payment server, and executes the financial on the payment and payment server After the transfer is successful, the first drive instruction including the blockchain information is generated.

In some implementations, wherein, when the payment confirmation server performs the post-payment confirmation process, the merchant computer system further establishes a connection with the payment and payment server to obtain a receipt voucher corresponding to the transaction content. And transmitting the receipt voucher and the transaction instruction and the blockchain information to the payment confirmation server.

The payment confirmation server further transmits the receipt voucher and the transaction instruction to the payment and payment server, so that the payment and payment server queries the correctness and validity of the financial transfer according to the transaction instruction and the receipt voucher. The payment confirmation server also generates the first after the payment server confirms the correctness and validity of the financial transfer. Drive instructions.

In other implementations, wherein the payment confirmation server performs the pre-payment confirmation process, when the payment confirmation server receives the transaction instruction and the blockchain information, the payment confirmation server further A second drive instruction including the blockchain information is generated.

The payment confirmation verification node further receives the second driving instruction to search for the transaction record in the blockchain network, and confirm whether the transaction record and the transaction content corresponding to the transaction instruction are consistent, and generate An indication of compliance with the instruction to the payment confirmation server. The payment confirmation server transmits the transaction instruction to the payment and payment server after receiving the compliance instruction, and the payment and payment server executes the financial transfer according to the transaction instruction.

In other implementations, the blockchain information includes a blockchain address and a transaction content hash code corresponding to the transaction instruction.

In other implementations, wherein the confirmation note includes a digital signature to ensure a bank end from the corresponding payment confirmation system.

The effect of the present invention is that the payment confirmation server instructs the payment and payment server to perform the financial transfer according to the transaction instruction, and after the transfer is successful, generates the first driving instruction including the blockchain information, so that The payment confirmation verification node searches for the transaction record in the blockchain network, and then adds a confirmation note corresponding to the payment success in the transaction record, so that the problem of the prior art can be solved.

1‧‧‧payment confirmation system

11‧‧‧ Payment Confirmation Server

12‧‧‧ Payment Confirmation Verification Node

13‧‧‧ receiving and receiving server

2‧‧‧Business Computer System

21‧‧‧First Business Computer System

22‧‧‧Second business computer system

3‧‧‧ Blockchain network

Other features and advantages of the present invention will be apparent from the embodiments of the present invention. FIG. 1 is a block diagram illustrating a first embodiment of the payment confirmation system of the present invention; and FIG. 2 is a block Figure illustrates a second embodiment of the payment confirmation system of the present invention.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, a first embodiment of the payment confirmation system 1 of the present invention is applicable to a merchant computer system 2 and a blockchain network 3, and includes a payment confirmation verification node 12, a payment and payment server 13, and A payment confirmation server 11. The payment confirmation server 11 is electrically connected to the payment confirmation verification node 12 and the payment and payment server 13, and establishes a connection with the merchant computer system 2, and executes a Pay before Check process.

For example, the merchant computer system 2 provides access to a shopping website to sell blockchain products, such as electronic coupons. When a consumer purchases the blockchain product at the shopping site to generate a corresponding transaction content, the merchant computer system 2 A connection is established with the payment and payment server 13 to obtain a receipt voucher, such as a credit card authorization code associated with the consumer, a payment virtual account number, etc., but not limited thereto. At this time, the consumer has transferred the amount of the purchase, for example, by credit card or remittance, into the account corresponding to the merchant, that is, the payment and payment server 13 has executed a corresponding financial transfer.

Next, the merchant computer system 2 notes a transaction record corresponding to the transaction content in the blockchain network 3. At this time, since the payment confirmation system 1 has not confirmed whether payment has been made, the consumer cannot obtain the use of the product (for example, The right to exchange electronic coupons for goods).

Next, the merchant computer system 2 transmits the receipt voucher, a transaction instruction corresponding to the transaction content, and a blockchain information corresponding to the transaction record to the payment confirmation server 11. The blockchain information includes, for example, a blockchain address and a transaction content hash code corresponding to the transaction instruction. The transaction content hash code includes all hash values that identify all the information for the transaction, such as trader information, trading hours, but not limited to this.

The payment confirmation server 11 transmits the receipt voucher and the transaction instruction to the payment and payment server 13, so that the payment and payment server 13 queries and confirms whether the transfer has been completed according to the receipt voucher and the transaction instruction. That is, to check and confirm the correctness and validity of the financial transfer, such as credit card receipt, ACH collection, etc., and return the transaction result of the financial transfer to the payment confirmation server 11.

The payment confirmation server 11 generates a first driving instruction including the blockchain information after the payment server 13 queries and confirms that the financial transfer is a successful state according to the transaction result.

The payment confirmation verification node 12 establishes a connection with the blockchain network 3, and receives the first driving instruction to search for the transaction record in the blockchain network 3 according to the blockchain information, and then The transaction record is filled with a confirmation note corresponding to the successful payment. The confirmation note includes a digital signature to secure a bank from the corresponding payment confirmation system 1. At this point, the consumer can actually use the power corresponding to the blockchain product. In this example, the payment confirmation verification node is a set of blockchain servers corresponding to the blockchain technology used, and the payment confirmation server 11 can be installed on a physical machine device or a separate hardware entity. It depends on the operational efficiency of the time and is not restricted.

Referring to FIG. 2, a second embodiment of the payment confirmation system 1 of the present invention, in this embodiment, the connection relationship between the various components is substantially the same as that of the first embodiment, and the difference is that the number of merchant computer systems is two. And defined as a first merchant computer system 21 and a second merchant computer system 22. The payment confirmation server 11 executes a Pay after Check process.

For example, the first merchant computer system 21 is a payer in a transactional content, such as a retailer. The second merchant computer system 22 is the payee in the transaction content, such as a supplier.

The first merchant computer system 21 and the second merchant computer system 22 first establish a transaction record corresponding to the transaction content on the blockchain network 3, the transaction content being related to, for example, an order information.

Next, the first merchant computer system 21 representing the payer transmits a transaction order and the blockchain information corresponding to the transaction record to the payment confirmation server 11. The transaction order is related to a payment instruction, such as a virtual account transfer of the payer to the payee's virtual account number.

Next, the payment confirmation server 11 also generates a second drive command including the blockchain information and transmits it to the payment confirmation verification node 12. When the payment confirmation verification node 12 receives the second driving instruction, it searches for the transaction record in the blockchain network 3, and confirms whether the transaction record and the transaction content corresponding to the transaction instruction are consistent. And generating a compliance instruction in accordance with the indication to the payment confirmation server 11.

The payment confirmation server 11 transmits the transaction instruction to the payment and payment server 13 after receiving the compliance instruction, so that the payment and payment server 13 executes a corresponding financial transfer according to the transaction instruction.

The payment confirmation server 11 generates a first drive command including the blockchain information after the payment server 13 performs the financial transfer.

The payment confirmation verification node 12 receives the first driving instruction to search for the transaction record in the blockchain network 3 according to the blockchain information, and further in the transaction A note of the confirmation of the successful payment is added to the record. The confirmation note includes a digital signature to secure a bank from the corresponding payment confirmation system 1.

In addition, it should be added that the blockchain network is a decentralized network of accounts built by the participants. Under the structure of the decentralized ledger network, each transaction will be subject to the consensus of the participants. In their respective electronic books, and based on the basis of cryptography, records must not be tampered with, such as using ex.Hash hash algorithm, PKI public and private key encryption, UTXO mechanism and other technologies. Based on such a mechanism, each participant can conduct related transactions based on records on the blockchain.

In summary, the payment confirmation server is responsible for processing the transaction flow corresponding to the blockchain corresponding to the transaction instruction, and drives the payment confirmation verification node to participate in the consensus process of the transaction on the blockchain network and record the blockchain. The transaction records on the network are recorded in the book, and the relevant information is confirmed before the payment to the account, and the payment information is posted to the blockchain network after the payment, so the purpose of the present invention can be achieved.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the simple equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still Within the scope of the invention patent.

Claims (5)

A payment confirmation system, corresponding to a bank, and adapted to a merchant computer system and a blockchain network, the merchant computer system generates a transaction instruction corresponding to a transaction content, and notes a pair on the blockchain network The transaction record of the content should be traded. The payment confirmation system includes: a payment confirmation verification node that establishes a connection with the blockchain network and receives a first drive command to search for the blockchain network. Transaction record, and a confirmation note corresponding to the payment success is added to the transaction record; a payment server performs a corresponding financial transfer; and a payment confirmation server electrically connects the payment confirmation verification node and the payment a server and establishing a connection with the merchant computer system, and performing a post-payment confirmation process or a pre-payment confirmation process, the payment confirmation server receiving the transaction instruction from the merchant computer system and an area corresponding to the transaction record Blockchain information, which in turn transmits the transaction order to the payment and payment server, and the payment is received After the server performs the funds transfer is successful, the generating the first block chain comprises a driving instruction information. The payment confirmation system of claim 1, wherein, when the payment confirmation server executes the post-payment confirmation process, the merchant computer system further establishes a connection with the payment and payment server to obtain the corresponding transaction content first. a receipt voucher, and also transmitting the receipt voucher and the transaction instruction and the blockchain information to the payment confirmation server, the payment confirmation server further transmitting the receipt voucher and the transaction instruction Sending to the payment and payment server, so that the payment and payment server queries the correctness and validity of the financial transfer according to the transaction instruction and the receipt voucher, and the payment confirmation server further confirms the financial payment at the payment and payment server The first drive instruction is generated after the correctness and validity of the transfer. The payment confirmation system of claim 1, wherein, when the payment confirmation server performs the pre-payment confirmation process, when the payment confirmation server receives the transaction instruction and the blockchain information, the payment confirmation The server also generates a second driving instruction including the blockchain information, and the payment confirmation verification node further receives the second driving instruction to search for the transaction record in the blockchain network and confirm the transaction. Recording and whether the transaction content corresponding to the transaction instruction is consistent, and generating a compliance instruction indicating the compliance to the payment confirmation server, the payment confirmation server will not execute the transaction instruction after receiving the compliance instruction Transmitted to the payment and payment server, the payment and payment server executes the financial transfer according to the transaction instruction. The payment confirmation system of claim 2 or 3, wherein the blockchain information includes a blockchain address and a transaction content hash code corresponding to the transaction instruction. The payment confirmation system of claim 4, wherein the confirmation note includes a digital signature to ensure that the bank is from the corresponding payment confirmation system.