WO2019183823A1 - 区块链交易系统及方法 - Google Patents

区块链交易系统及方法 Download PDF

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Publication number
WO2019183823A1
WO2019183823A1 PCT/CN2018/080773 CN2018080773W WO2019183823A1 WO 2019183823 A1 WO2019183823 A1 WO 2019183823A1 CN 2018080773 W CN2018080773 W CN 2018080773W WO 2019183823 A1 WO2019183823 A1 WO 2019183823A1
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WIPO (PCT)
Prior art keywords
token
bank
blockchain
information
blockchain platform
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PCT/CN2018/080773
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English (en)
French (fr)
Inventor
张永铭
Original Assignee
同亨科技股份有限公司
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Application filed by 同亨科技股份有限公司 filed Critical 同亨科技股份有限公司
Priority to US17/042,094 priority Critical patent/US20210097530A1/en
Priority to PCT/CN2018/080773 priority patent/WO2019183823A1/zh
Publication of WO2019183823A1 publication Critical patent/WO2019183823A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
    • H04L9/3239—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0658—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locally
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/3825—Use of electronic signatures
    • 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
    • H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators
    • H04L9/0643—Hash functions, e.g. MD5, SHA, HMAC or f9 MAC
    • 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

Definitions

  • the present invention relates to a blockchain transaction system and method, and more particularly to a blockchain transaction system and method applied between a plurality of banks.
  • the process is roughly initiated by the user (eg, using a credit card, etc.), and the merchant pulls the authorization to the user's card issuing bank to conduct the transaction.
  • the starting point of the merchant's trading process is also the end point.
  • An embodiment of the present invention relates to a blockchain transaction method, which is applied between a blockchain platform, a first bank end, and a second bank end.
  • the blockchain transaction method includes the following steps: when the first bank receives a request for a token request from a client, the token chain corresponding to the client is issued through the blockchain platform, wherein the token passes through the token The first bank end transfers to the user terminal; and the generation of the coin usage request is verified by the blockchain platform according to the token issuing information corresponding to the token, wherein the token issuing information is recorded by the blockchain platform, and the token is recorded Using the request to transmit the request initiated by the client to a merchant; if the token usage request is verified by the blockchain platform, the blockchain platform records the token transaction information corresponding to the token; When the second bank end initiates a token clearing request for the merchant end to the blockchain platform, the token chain platform transmits the token transaction information to the first bank to clear the token; and when the first The bank side clears the token according to the token transaction information, records the token clearing information and
  • the blockchain trading system includes a blockchain platform.
  • the blockchain platform operates within a plurality of computer hosts or servers corresponding to a plurality of nodes.
  • the blockchain platform is coupled to a first bank end and a second bank end.
  • receives a token request request initiated by a client from the first bank end the blockchain platform issues a token corresponding to the client and records the token issuing information corresponding to the token.
  • receives a token usage request wherein the token usage request is a request initiated by the client to transmit the token to a merchant.
  • the blockchain platform verifies the token usage request according to the token issuing information. If the token usage request is verified by the blockchain platform, the blockchain platform records the token transaction information corresponding to the token.
  • the blockchain platform When the blockchain platform receives a token clearing request for the merchant, the blockchain platform transmits the token transaction information to the first bank to clear the token, and the token clearing request is performed by the second bank The end is initiated to the blockchain platform.
  • the blockchain platform When the first bank clears the token according to the token transaction information, the blockchain platform records the token clearing information and recycles the token.
  • the embodiment of the present invention improves the problem that the bank side has difficulty obtaining the available information in the traditional transaction process by providing a blockchain transaction system and a blockchain transaction method, thereby further ensuring the user terminal and The security and non-repudiation of transactions between merchants.
  • FIG. 1 is a schematic diagram of a blockchain transaction system based on an embodiment of the present disclosure
  • FIG. 2 is a schematic diagram of a blockchain transaction method according to an embodiment of the present disclosure.
  • Coupled or “connecting” as used herein may mean that two or more elements or devices are in direct physical contact with each other, or indirectly in physical contact with each other, or that two or more elements or devices are in contact with each other. Operation or action.
  • FIG. 1 is a schematic diagram of a blockchain transaction system based on an embodiment of the present disclosure.
  • a blockchain platform 100 includes a plurality of nodes 101-107, and the nodes are communicatively coupled to each other.
  • each of the nodes 101-107 is a computer host or a server, and each of the nodes 101-107 includes a singular or plural processing unit, and the processing units are electrically coupled to internal or external memory.
  • Body wherein the internal or external memory contains volatile or non-volatile memory.
  • the processing units of each of the nodes 101-107 are configured to access an instruction set from the internal or external memory and execute the instruction set to further implement the program defined by the instruction set.
  • the nodes 101-107 are communicatively coupled to each other, and the communication coupling referred to herein may be physically or non-physically coupled.
  • the nodes 101-107 can be commonly coupled to a network via a wireless communication technology (eg, Wi-Fi) to perform bidirectional information exchange via the network.
  • the nodes 101-107 can be coupled to the network through a physical line to perform bidirectional information exchange via the network.
  • the nodes 101-107 under the condition that the nodes 101-107 are communicatively coupled to each other, the nodes 101-107 can be dispersed in a plurality of different fields.
  • the nodes 101-107 constitute the blockchain platform 100, and the nodes 101-107 in the blockchain platform 100 are information for mutual verification and storage transmitted between the nodes 101-107. It should be noted that most of the nodes 101-107 are communicatively coupled to the bank end system, and the node 104 is an initial node for managing communication between other nodes. In addition, the nodes 101-107 illustrated in this embodiment are for illustrative purposes only and are not limiting. The blockchain platform 100 may include other nodes than the nodes 101-107.
  • the node 101 is communicatively coupled to a first bank end 200
  • the first bank end 200 is communicatively coupled to a client end 201 .
  • the first bank end 200 can be a background system of a first bank
  • the first bank end 200 is account information for controlling the current customers of the first bank.
  • the client 201 corresponds to a user who is a current customer of the first bank and has an account opened at the first bank.
  • the node 102 is communicatively coupled to a second bank end 300, and the second bank end 300 is communicatively coupled to a merchant end 301.
  • the second bank end 300 can be a background system of a second bank, and the second bank end 300 is account information for controlling the current customers of the second bank.
  • the merchant 301 corresponds to a merchant, which is a current customer of the first bank, and has an account opened at the second bank.
  • FIG. 2 is a schematic diagram of a blockchain transaction method according to an embodiment of the present disclosure.
  • the blockchain transaction method includes steps S1 to S7, and steps S1 to S7 are implemented by the blockchain transaction system in the embodiment of FIG. 1, so the blockchain transaction method
  • the implementation environment can be referred to the embodiment of FIG. 1 together.
  • the steps involved in the blockchain transaction method will be detailed in the following paragraphs.
  • Step S1 When the client 201 initiates a token request request to the first bank end 200, a token corresponding to the client 201 is issued through the blockchain platform 100, wherein the token passes through the first bank end 200. Transfer to the client 201.
  • the client 201 may initiate the token request to the first bank 200, the token request corresponding to a quota.
  • the first bank 200 will verify whether the token request is feasible. If the token request is verified, the first bank 200 can request the blockchain platform 100 to issue a token corresponding to the client 201. The token is then forwarded to the client 201 via the first bank end 200.
  • the client 201 may initiate the token request to the first bank 200, the token request corresponding to a credit of NT$500.
  • the first bank 200 will verify whether the identity of the client 201 is correct, and the first bank 200 further verifies whether the account corresponding to the client 201 is sufficient to pay NT$500, or the first A bank 200 will verify whether the credit card corresponding to the client 201 is sufficient to pay NT$500. If the account or credit card corresponding to the client 201 is sufficient to pay the credit, the token request is verified by the first bank 200. After the first bank end 200 verifies the token requesting request, the first bank end 200 requests the blockchain platform 100 to issue the token corresponding to the client 201 through the node 101, and the token amount is NT$500.
  • the blockchain platform 100 transfers the amount from the pool to NT$500.
  • the virtual currency of the meta is a virtual account corresponding to the client 201.
  • the blockchain platform 100 transmits a transaction code to the first bank end 200 through the node 101, and the first bank end 200 generates the token according to the transaction code, and then transmits the token to the client terminal 201 for performing.
  • the token contains the following information: the transaction code, the amount of the token, the time of generation of the token, the expiration date of the token, the user identity code, the bank identity code, and the like. Thereby, during the life of the token, the client 201 can use the token for the transaction within the quota of the token.
  • Step S2 Recording the generation information of the token corresponding to the token through the blockchain platform 100.
  • the node 101 After the blockchain platform 100 transmits a transaction code to the first bank end 200 through the node 101, the node 101 generates the token issuing information corresponding to the transaction code, and the node 101 generates the token issuing information corresponding to the transaction code.
  • the token issuance information will be transmitted to the nodes 102-107 in the blockchain platform 100 for verification and storage. Thereby, the nodes 101 to 107 in the blockchain platform 100 share the token issuing information.
  • the node 104 is an initial node for managing communication between other nodes.
  • the node 104 is a key manager for the nodes 101 to 107, and distributes the keys corresponding to the nodes 101 to 107, and further transmits information between the nodes 101 to 107.
  • the token issuance information when the token issuance information is transmitted to the nodes 102 to 107 in the blockchain platform 100, the token issuance information is transmitted between the nodes in the nodes 102 to 107.
  • the text is encrypted information, and only the header clearly indicates the transmission path of the token issuing information.
  • the target node can decrypt the token issuing information by using the key, thereby verifying and storing the token issuing information.
  • Step S3 When the client 201 transmits the token to the merchant 301 to initiate a token usage request, the token usage request is received through the blockchain platform 100.
  • the client 201 can use the token for the transaction within the credit period of the token. If the client 201 wants to perform a specific amount of transactions with the merchant 301, the client 201 can transmit the token to the merchant 301 to initiate the token usage request. For example, in an embodiment, when the client 201 wants to conduct a transaction with the merchant 301 in the amount of NT$200, the merchant 301 can transmit the token usage request to the second bank. End 300, the second bank end 300 transmits the token usage request to the node 102 in the blockchain platform 100. Based on the bank identity code in the token, the node 102 can route the token usage request to the node 101 via the remaining nodes in the blockchain platform 100.
  • the merchant terminal 301 can transmit the token usage request to a gateway (not shown), and the gateway is communicatively coupled to the blockchain platform 100.
  • the gateway is communicatively coupled to the blockchain platform 100.
  • a certain node according to the bank identity code in the token, the token usage request will be routed to the node 101 via the remaining nodes in the blockchain platform 100.
  • the token usage request is protected by peer-to-peer encryption.
  • Step S4 verifying the token usage request by the blockchain platform 100 according to the token issuing information.
  • the node 101 verifies the token usage request according to the token issuing information. For example, the node 101 can verify the authenticity of the token according to the usage period of the token, the user identity code, and the transaction code. Further, the node 101 can determine whether the transaction of the client 201 and the merchant 301 is feasible according to the quota of the token. As described above, the client 201 wants to conduct a transaction with the merchant 301 in the amount of NT$200, and the token is NT$500, so the token usage request is feasible. The token usage request can be verified by the node 101.
  • Step S5 If the token usage request is verified by the blockchain platform 100, the token chain platform 100 records the token transaction information corresponding to the token.
  • the token usage request can be verified by the node 101, and the node 101 generates the token transaction information, and the token transaction information indicates the client 201 and the merchant 301. Transaction content, the node 101 transmits the token transaction information to the remaining nodes 102-107, and the nodes 102-107 verify and store the token transaction information.
  • the token transaction information indicates that the client 201 and the merchant 301 perform a transaction with a quota of NT$200, and the token transaction information is verified by the nodes 102-107 and After the deposit, the transaction is established. Similarly, when the token transaction information is transferred between the various nodes in the blockchain platform 100, the token transaction information is protected by peer-to-peer encryption.
  • the client 201 and the merchant 301 perform a transaction with a quota of NT$200.
  • the token will only have a remaining amount of NT$300 during the period of use of the token.
  • the client 201 may further trade with the merchant 301 or other merchants according to the token, but the amount of the transaction shall be lower than the remaining amount of the token; otherwise,
  • the node 101 verifies a token usage request that exceeds the remaining amount of the token, the token usage request will not pass the verification and the transaction cannot be established.
  • Step S6 When the second bank end 300 initiates a token clearing request for the merchant terminal 301 to the blockchain platform 100, the token transaction information is transmitted to the first bank end 200 through the blockchain platform 100. To liquidate the token.
  • the second bank 300 can initiate the token clearing request for the merchant 301 to the blockchain platform 100, and the token clearing request is used to clear the merchant 301 to the block.
  • the transaction record in the chain platform 100 which in turn allows the merchant 301 to receive payments corresponding to certain transaction records.
  • the blockchain platform 100 searches for the token
  • the nodes 101-107 obtain the transaction records of the merchant 301 within a specific time interval.
  • the blockchain platform 100 can obtain the token transaction information about the merchant terminal 301, and the blockchain platform 100 can transmit the token transaction information to the first bank terminal 200 via the node 101.
  • Step S7 When the first bank end 200 clears the token according to the token transaction information, the token chain platform 100 records the token clearing information and recovers the token.
  • the blockchain platform 100 when the blockchain platform 100 receives the token clearing request for the merchant 301, the blockchain platform 100 can transmit the token transaction information to the token 101 via the node 101.
  • the first bank end 200 Based on the token transaction information, the first bank end 200 can clear the token.
  • the token transaction information records a transaction in which the client 201 has made a quota of NT$200 with the merchant 301.
  • the first bank end 200 can clear the token according to the transaction amount of NT$200. Further, the first bank end 200 can transfer NT$200 in cash from the account corresponding to the client 201 to the account corresponding to the merchant 301. After the first bank end 200 clears the token, the first bank end 200 generates the token clearing information.
  • the first bank end 200 transmits the token clearing information to the blockchain platform 100 via the node 101, and the nodes 101-107 in the blockchain platform 100 can verify and record the token clearing information. Similarly, when the token clearing information is transferred between the various nodes in the blockchain platform 100, the token usage request is protected by peer-to-peer encryption.
  • the second bankend 300 can obtain the token clearing information via the node 102.
  • the second bank 300 can clear the token received by the merchant 301 from the client 201.
  • the merchant terminal 301 has executed a transaction with the merchant terminal 301 according to the token amount of NT$200.
  • the first bank terminal 200 clears the token
  • the first bank terminal 200 The cash of NT$200 has been transferred from the account corresponding to the client 201 to the account corresponding to the merchant 301 in the second bank 300.
  • the second bank 300 can clear the token received by the merchant 301 from the client 201, and the token is new.
  • the NT$200 quota will be recycled to the token pool of the blockchain platform 100.
  • the amount used in the token will be recovered.
  • the original amount of the token of the client 201 is NT$500
  • the remaining amount of the token of the client 201 is The amount is NT$300. That is, during the usage period of the token, the client 201 can further perform a transaction with a quota of NT$300 or less according to the token and the merchant 301 or other merchants.
  • the client 201 and the merchant 301 are both in the same bank (for example, the first bank 200), the above-mentioned token request and token transaction are performed.
  • the process of token clearing and the like can be completed by the first bank end 200 and the blockchain platform 100.
  • the present invention provides an effective blockchain transaction system and method.
  • the user By serially connecting the blockchain platform to multiple bank terminals, the user only needs to perform an authorization to the bank, which can be realized.
  • the cash and virtual currency in the account of the user and the merchant are converted into each other, thereby performing transaction or clearing of the virtual currency, so that the transaction process of the user and the merchant is verified and stored by multiple nodes in the blockchain platform, further ensuring the user.
  • the security and non-repudiation of transactions between the terminal and the merchant compared with the prior art, the case also ensures that the bank can obtain the information available to the user during the transaction process, so that the bank is no longer excluded from the cycle of customer participation.
  • the foregoing method of FIG. 2 can be implemented as a computer program product (such as an application) and stored in a computer readable recording medium, and the computer can read the recording medium and execute the method of FIG. .
  • the computer readable recording medium can be a read-only memory, a flash memory, a floppy disk, a hard disk, a compact disk, a portable disk, a magnetic tape, a database accessible by a network, or a computer that can be easily considered by those skilled in the art to have the same function. Read the recording medium.

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Abstract

一种区块链交易系统及方法。区块链交易系统包含区块链平台，区块链平台耦接于第一银行端以及第二银行端。当区块链平台自第一银行端接收由用户端发起的代币索取请求时，区块链平台发行对应用户端的代币并记录对应代币发行信息。区块链平台接收由用户端传送代币至商户端以发起的代币使用请求。区块链平台依据代币发行信息验证代币使用请求，若通过验证，区块链平台记录代币交易信息。当区块链平台自第二银行端接收关于商户端的代币清算请求，区块链平台传送代币交易信息至第一银行端以清算代币。当第一银行端清算代币，区块链平台记录代币清算信息并回收代币。

Description

区块链交易系统及方法 技术领域
本案涉及一种区块链交易系统及方法，尤为一种应用于多个银行之间的区块链交易系统及方法。
背景技术
在现今的电子商务交易模式下，若用户欲与商户进行交易，其流程大致为由用户发动交易(例如使用信用卡等)，商户向用户的发卡银行拉回(pull)授权以进行交易。在此交易模式下，商户为交易流程的起点亦为终点。
然而，在此种交易模式下，银行端难以获得关于用户的可用信息，使得银行端容易被排除在顾客参与的循环外，且银行端更需为居中的平台付出高额的手续费。
另外，现今又衍伸出以虚拟货币进行交易的模式，虽然其并非为传统支付架构下的交易模式，然而，虚拟货币的交易模式并未受到监理机构的管制，相对地具有较高的风险程度。
因此，显然现行的电子商务交易模式仍有关于上述问题的不足，亟需加以改良。
发明内容
本案的一实施态样是涉及一种区块链交易方法，应用于一区块链平台、一第一银行端以及一第二银行端之间。该区块链交易方法包含下列步骤：当该第一银行端收到自一用户端所发起一代币索取请求时，通过该区块链平台发行对应该用户端的一代币，其中该代币经由该第一银行端转送至该用户端；通过该区块链平台依据对应该代币的一代币发行信息验证一代币使用请求，其中该代币发行信息由该区块链平台记录，且该代币使用请求为该用户端传送至一商户端所发起的请求；若该代币使用请求通过该区块链平台的验证，通过该区块链平台记录对应该代币的一代币交易信息；当该第二银行端向该区块链平台发起关于该商户端的一代币清算请求时，通过该区块链平台传送该代币交易信息至该第一银行端以清算该代币；以及当该第一银行端依据该代币交易信息清算该 代币，通过该区块链平台记录一代币清算信息并回收该代币。
本案的另一实施态样是涉及一种区块链交易系统。该区块链交易系统包含一区块链平台。该区块链平台运作于对应于多个节点的多个计算机主机或服务器内。该区块链平台耦接于一第一银行端以及一第二银行端。当该区块链平台自该第一银行端接收由一用户端发起的一代币索取请求时，该区块链平台发行对应该用户端的一代币并记录对应该代币的一代币发行信息。该区块链平台接收一代币使用请求，其中该代币使用请求为该用户端传送该代币至一商户端所发起的一请求。该区块链平台依据该代币发行信息验证该代币使用请求，若该代币使用请求通过该区块链平台的验证，该区块链平台记录对应该代币的一代币交易信息。当该区块链平台接收关于该商户端的一代币清算请求，该区块链平台传送该代币交易信息至该第一银行端以清算该代币，该代币清算请求是由该第二银行端向该区块链平台发起。当该第一银行端依据该代币交易信息清算该代币，该区块链平台记录一代币清算信息并回收该代币。
因此，根据本案的技术内容，本案实施例通过提供一种区块链交易系统以及区块链交易方法，借以改善在传统交易过程中银行端难以获取可用信息的问题，更进一步确保了用户端以及商户端之间交易的安全性以及不可否认性。
附图说明
图1为基于本案一实施例所绘示的区块链交易系统示意图；以及
图2为基于本案一实施例所绘示的区块链交易方法示意图。
具体实施方式
以下将以附图及详细叙述清楚说明本案的精神，任何所属技术领域中具有通常知识者在了解本案的实施例后，当可由本案所教示的技术，加以改变及修饰，其并不脱离本案的精神与范围。
本文的用语只为描述特定实施例，而无意为本案的限制。单数形式如“一”、“这”、“此”、“本”以及“该”，如本文所用，同样也包含复数形式。
关于本文中所使用的“第一”、“第二”、...等，并非特别指称次序或顺位的意思，亦非用以限定本案，其仅为了区别以相同技术用语描述的元件或操作。
关于本文中所使用的“耦接”或“连接”，均可指二或多个元件或装置相互直接作实体接触，或是相互间接作实体接触，亦可指二或多个元件或装置相互操作或动作。
关于本文中所使用的“包含”、“包括”、“具有”、“含有”等等，均为开放性的用语，即意指包含但不限于。
关于本文中所使用的“及/或”，是包括所述事物的任一或全部组合。
关于本文中所使用的方向用语，例如：上、下、左、右、前或后等，仅是参考附加附图的方向。因此，使用的方向用语是用来说明并非用来限制本案。
关于本文中所使用的用词(terms)，除有特别注明外，通常具有每个用词使用在此领域中、在本案的内容中与特殊内容中的平常意义。某些用以描述本案的用词将于下或在此说明书的别处讨论，以提供本领域技术人员在有关本案的描述上额外的引导。
图1为基于本案一实施例所绘示的区块链交易系统示意图。如图1所示，在本实施例中，一区块链平台100包含多个节点101～107，该些节点相互通讯耦接。应注意的是，该些节点101～107各自皆为一计算机主机或是一服务器，该些节点101～107各自包含单数或复数的处理单元，该些处理单元电性耦接于内部或外部记忆体，其中该内部或外部记忆体包含挥发性或非挥发性的记忆体。该些节点101～107各自的该些处理单元用以自该内部或外部记忆体存取一指令集，并执行该指令集，以进一步地实施该指令集所界定的程序。
继续参照图1，在本实施例中，该些节点101～107相互通讯耦接，此处所指的通讯耦接可为实体或非实体地耦接。举例而言，该些节点101～107可通过无线通讯技术(例如：Wi-Fi)共同耦接至一网络，以经由该网络进行双向的信息交换。或者，该些节点101～107可通过实体线路耦接至该网络，以经由该网络进行双向的信息交换。换言之，于一些实施中，在该些节点101～107相互通讯耦接的条件下，该些节点101～107可分散于多个不同的场域中。该些节点101～107构成了该区块链平台100，该区块链平台100中的该些节点101～107是用以共同验证并储存于该些节点101～107之间传送的信息。应注意的是，该些节点101～107大多各自通讯耦接于银行端系统，其中的该节点104则是为初始节点，用以管理其他节点之间的通讯。此外，本实施例中所绘示的该些节点101～107仅是用以说明而非限定本案，该区块链平台100可包含除了该些节点 101～107外的其他节点。
如图1所示，在本实施例中，该节点101通讯耦接于一第一银行端200，该第一银行端200又通讯耦接于一用户端201。该第一银行端200可为一第一银行的后台系统，该第一银行端200是用以控管该第一银行的往来客户的帐户信息。该用户端201是对应于一用户，该用户是为该第一银行的往来客户，其具有开设于该第一银行的一帐户。对应地，在本实施例中，该节点102通讯耦接于一第二银行端300，该第二银行端300又通讯耦接于一商户端301。该第二银行端300可为一第二银行的后台系统，该第二银行端300是用以控管该第二银行的往来客户的帐户信息。该商户端301是对应于一商家，该商家是为该第一银行的往来客户，其具有开设于该第二银行的一帐户。
图2为基于本案一实施例所绘示的区块链交易方法示意图。
应注意的是，在本实施例中，区块链交易方法包含步骤S1～S7，步骤S1～S7是由图1的实施例当中的区块链交易系统所实施，故区块链交易方法的实施环境可一并参照图1的实施例。于本实施例中，区块链交易方法所包含的步骤将详述于下列段落中。
步骤S1：当该用户端201向该第一银行端200发起一代币索取请求时，通过该区块链平台100发行对应该用户端201的一代币，其中该代币经由该第一银行端200转送至该用户端201。
在本实施例中，当该用户端201欲进行交易前，该用户端201可向该第一银行端200发起该代币索取请求，该代币索取请求对应于一额度。该第一银行端200将验证该代币索取请求是否可行，若该代币索取请求通过验证，该第一银行端200可要求该区块链平台100发行对应该用户端201的一代币。该代币再经由该第一银行端200转送至该用户端201。
举例而言，该用户端201可向该第一银行端200发起该代币索取请求，该代币索取请求对应于新台币五百元的额度。该第一银行端200将验证该用户端201的身份是否正确，该第一银行端200更进一步验证该用户端201对应的帐户当中是否足够支付新台币五百元的额度，或是，该第一银行端200将验证该用户端201对应的信用卡是否足够支付新台币五百元的额度。若该用户端201对应的帐户或信用卡足够支付此额度，则该代币索取请求通过该第一银行端200的验证。当该第一银行端200验证该代币索取请求后，该第一银行端200 通过该节点101向该区块链平台100要求发行对应该用户端201的该代币，该代币的额度为新台币五百元。
承前所述，当该第一银行端200通过该节点101向该区块链平台100要求发行该代币时，该区块链平台100自一代币池(pool)中转移额度为新台币五百元的虚拟货币至对应该用户端201的一虚拟帐户。该区块链平台100通过该节点101传送一交易码至该第一银行端200，该第一银行端200依据该交易码产生该代币，再将该代币传送至该用户端201以进行储存。应注意的是，该代币包含以下信息：该交易码、该代币的额度、该代币的产生时间、该代币的使用期限、用户身份码、银行身份码等等。借此，在该代币的使用期限内，该用户端201可于该代币的额度内使用该代币以进行交易。
步骤S2：通过该区块链平台100记录对应该代币的一代币发行信息。
承前所述，在本实施例中，当该区块链平台100通过该节点101传送一交易码至该第一银行端200后，该节点101产生对应该交易码的该代币发行信息，该代币发行信息将被传送至该区块链平台100中的该节点102～107以进行验证并储存。借此，该区块链平台100中的该节点101～107共享该代币发行信息。应注意的是，在本实施例中，该节点104是为初始节点，用以管理其他节点之间的通讯。详细而言，该节点104是为该节点101～107的金钥(key)管理者，用以配发该节点101～107各自对应的金钥，进而使该节点101～107之间传送的信息受点对点加密(P2PE)保护。
是故，在本实施例中，当该代币发行信息被传送至该区块链平台100中的该节点102～107时，该代币发行信息在该节点102～107中的各个节点间传送时，其内文皆是为加密信息，仅标头明文标示该代币发行信息的传送路径。当该代币发行信息抵达该节点102～107当中的目标节点时，目标节点可利用金钥解密该代币发行信息，进而验证并储存该代币发行信息。
步骤S3：当该用户端201传送该代币至该商户端301以发起一代币使用请求时，通过该区块链平台100接收该代币使用请求。
承前所述，在本实施例中，当该用户端201储存该代币后，在该代币的使用期限内，该用户端201可于该代币的额度内使用该代币以进行交易。若该用户端201欲与该商户端301进行一特定额度的交易时，该用户端201可传送该代币至该商户端301以发起该代币使用请求。举例而言，在一实施例中，当该 用户端201欲与该商户端301进行额度为新台币二百元的交易时，该商户端301可将该代币使用请求传送至该第二银行端300，该第二银行端300传送该代币使用请求至该区块链平台100中的该节点102。依据该代币中的该银行身份码，该节点102可经由该区块链平台100中的其余节点将该代币使用请求绕送至该节点101。举例而言，在另一实施例中，该商户端301可将该代币使用请求传送至一闸道器(图中未示)，该闸道器通讯耦接于该区块链平台100中的某一节点，依据该代币中的该银行身份码，该代币使用请求将经由该区块链平台100中的其余节点绕送至该节点101。同样地，当该代币使用请求于该区块链平台100中的各个节点之间传送时，该代币使用请求皆受点对点加密保护。
步骤S4：通过该区块链平台100依据该代币发行信息验证该代币使用请求。
承前所述，在本实施例中，当该节点101接收该代币使用请求后，该节点101将依据该代币发行信息验证该代币使用请求。举例而言，该节点101可依据该代币的使用期限、该用户身份码以及该交易码等信息验证该代币的真伪。进一步地，该节点101可依据该代币的额度判断该用户端201与该商户端301的交易是否可行。承前所述，由该用户端201欲与该商户端301进行额度为新台币二百元的交易，且该代币的额度为新台币五百元，故该代币使用请求是为可行的，该代币使用请求可通过该节点101的验证。
步骤S5：若该代币使用请求通过该区块链平台100的验证，通过该区块链平台100记录对应该代币的一代币交易信息。
承前所述，在本实施例中，该代币使用请求可通过该节点101的验证，该节点101即产生该代币交易信息，该代币交易信息指出该用户端201与该商户端301的交易内容，该节点101传送该代币交易信息至其余的该节点102～107，该节点102～107验证并储存该代币交易信息。
举例而言，在本实施例中，该代币交易信息指出该用户端201与该商户端301进行额度为新台币二百元的交易，当该代币交易信息经该节点102～107验证并储存后，该笔交易即成立。同样地，当该代币交易信息于该区块链平台100中的各个节点之间传送时，该代币交易信息皆受点对点加密保护。
应注意的是，在本实施例中，由于该用户端201与该商户端301进行额度为新台币二百元的交易。当该笔新台币二百元的交易成立后，于该代币的该使 用期限内，该代币仅余下新台币三百元的额度。于该代币的该使用期限内，该用户端201可再依据该代币与该商户端301或其他的商户端进行交易，惟该交易的额度应低于该代币余下的额度，否则，当该节点101验证超出该代币余下额度的代币使用请求时，该代币使用请求将无法通过验证，交易亦无法成立。
步骤S6：当该第二银行端300向该区块链平台100发起关于该商户端301的一代币清算请求时，通过该区块链平台100传送该代币交易信息至该第一银行端200以清算该代币。
在本实施例中，该第二银行端300可向该区块链平台100发起关于该商户端301的该代币清算请求，该代币清算请求是用以清算该商户端301于该区块链平台100当中的交易记录，进而使该商户端301可收取对应该些交易记录的款项。举例而言，在本实施例中，当该第一银行端200经由该节点102向该区块链平台100发起关于该商户端301的该代币清算请求时，该区块链平台100搜寻该节点101～107以获取该商户端301于一特定时间区间内的交易记录。借此，该区块链平台100可获取关于该商户端301的该代币交易信息，该区块链平台100可将该代币交易信息经由该节点101传送至该第一银行端200。
步骤S7：当该第一银行端200依据该代币交易信息清算该代币，通过该区块链平台100记录一代币清算信息并回收该代币。
承前所述，在本实施例中，当该区块链平台100接收关于该商户端301的该代币清算请求时，该区块链平台100可将该代币交易信息经由该节点101传送至该第一银行端200。依据该代币交易信息，该第一银行端200可清算该代币。举例而言，在本实施例中，该代币交易信息记录了该用户端201曾与该商户端301进行额度为新台币二百元的交易。该第一银行端200可依据此笔额度为新台币二百元的交易清算该代币。进一步地，该第一银行端200可自该用户端201对应的该帐户中转移新台币二百元的现金至该商户端301对应的该帐户。当该第一银行端200清算该代币后，该第一银行端200产生该代币清算信息。该第一银行端200经由该节点101传送该代币清算信息至该区块链平台100，该区块链平台100中的该节点101～107可验证并记录该代币清算信息。同样地，当该代币清算信息于该区块链平台100中的各个节点之间传送时，该代币使用请求皆受点对点加密保护。
应注意的是，当该区块链平台100中的该节点101～107验证并记录该代币 清算信息后，该第二银行端300可经由该节点102获取该代币清算信息。该第二银行端300可清算该商户端301自该用户端201接收的该代币。承前所述，该商户端301曾与该商户端301依据该代币进行额度为新台币二百元的交易，然而，当该第一银行端200清算该代币后，该第一银行端200已自该用户端201对应的帐户中转移新台币二百元的现金至该第二银行端300中对应该商户端301的帐户。是故，由于对应该代币交易信息的现金已转入该商户端301的帐户，该第二银行端300可清算该商户端301自该用户端201接收的该代币，该代币的新台币二百元额度将被回收至该区块链平台100的该代币池中。
承前所述，当该第二银行端300清算该代币后，该代币当中使用的额度将被回收。详细而言，该用户端201的该代币的原始额度为新台币五百元，经该第一银行端200以及该第二银行端300完成清算后，该用户端201的该代币余下的额度为新台币三百元。亦即，于该代币的该使用期限内，该用户端201可再依据该代币与该商户端301或其他的商户端进行额度为新台币三百元以下的交易。
应注意的是，在一些实施例中，若该用户端201与该商户端301皆是与同一银行端(例如：该第一银行端200)进行往来，则上述的代币索取、代币交易、代币清算等等流程皆可通过该第一银行端200与该区块链平台100完成。
鉴于先前技术的授权请求模式，银行端难以获得关于用户的可用信息，使得银行端容易被排除在顾客参与的循环外，且银行端更需为居中的平台付出高额的手续费。然而，由上述本案实施方式可知，本案提供了一种有效的区块链交易系统以及方法，通过将区块链平台串接多个银行端，用户仅需向银行端进行一次授权，可实现将用户以及商户的帐户内的现金与虚拟货币相互转换，进而进行虚拟货币的交易或清算，令用户以及商户的交易过程皆受到区块链平台中的多个节点验证并储存，进一步地确保了用户端以及商户端之间交易的安全性以及不可否认性。另外，较之先前技术，本案亦确保了银行端能够在交易过程中获得关于用户的可用信息，使银行端不再被排除在顾客参与的循环外。
于其他实施例中，前述图2的方法可实作为一计算机程序产品(如应用程序)，并储存于一计算机可读取记录媒体中，而使计算机读取此记录媒体后执行图2的方法。计算机可读取记录媒体可为只读记忆体、快闪记忆体、软盘、硬盘、光盘、随身盘、磁带、可由网络存取的数据库或熟悉此技艺者可轻易思 及具有相同功能的计算机可读取记录媒体。
虽然本案以实施例揭露如上，然其并非用以限定本案，任何熟悉此技艺者，在不脱离本案的精神和范围内，当可作各种的更动与润饰，因此本案的保护范围当视所附的权利要求书所界定的范围为准。

Claims (10)

  1. 一种区块链交易方法，应用于一区块链平台、一第一银行端以及一第二银行端之间，且该区块链交易方法包含：
    当该第一银行端收到自一用户端所发起一代币索取请求时，通过该区块链平台发行对应该用户端的一代币，其中该代币经由该第一银行端转送至该用户端；
    通过该区块链平台依据对应该代币的一代币发行信息验证一代币使用请求，其中该代币发行信息由该区块链平台记录，且该代币使用请求为该用户端传送至一商户端所发起的请求；
    若该代币使用请求通过该区块链平台的验证，通过该区块链平台记录对应该代币的一代币交易信息；
    当该第二银行端向该区块链平台发起关于该商户端的一代币清算请求时，通过该区块链平台传送该代币交易信息至该第一银行端以清算该代币；以及
    当该第一银行端依据该代币交易信息清算该代币，通过该区块链平台记录一代币清算信息并回收该代币。
  2. 如权利要求1所述的区块链交易方法，其中该区块链平台包含多个节点，当该区块链平台记录该代币发行信息、该代币交易信息以及该代币清算信息时，该代币发行信息、该代币交易信息以及该代币清算信息将通过点对点加密保护以传送至该些节点进行验证并储存。
  3. 如权利要求1所述的区块链交易方法，
    其中该代币具有一总额度以及一使用期限，
    若通过该区块链验证的该代币使用请求对应于一第一额度，于该使用期限内，该代币具有一第二额度，该第二额度等于该总额度减去该第一额度。
  4. 如权利要求3所述的区块链交易方法，还包含：
    当该使用期限逾期，通过该区块链平台回收该代币，且该第一银行端返还该第二额度至对应该用户端的一用户端帐户。
  5. 如权利要求3所述的区块链交易方法，还包含：
    当该使用期限逾期，通过该区块链平台回收该代币，且该第一银行端自对应该用户端的一用户端帐户扣除该第一额度。
  6. 如权利要求3所述的区块链交易方法，还包含：
    当该第一银行端依据该代币交易信息清算该代币，该第一银行端自对应该用户端的一用户端帐户转移该第一额度至对应该商户端的一商户端帐户。
  7. 一种区块链交易系统，包含：
    一区块链平台，运作于对应于多个节点的多个计算机主机或服务器内，其中该区块链平台耦接于一第一银行端以及一第二银行端；
    其中当该区块链平台自该第一银行端接收由一用户端发起的一代币索取请求时，该区块链平台发行对应该用户端的一代币并记录对应该代币的一代币发行信息；
    其中该区块链平台接收一代币使用请求，其中该代币使用请求为该用户端传送该代币至一商户端所发起的一请求；
    其中该区块链平台依据该代币发行信息验证该代币使用请求，若该代币使用请求通过该区块链平台的验证，该区块链平台记录对应该代币的一代币交易信息；
    其中当该区块链平台接收关于该商户端的一代币清算请求，该区块链平台传送该代币交易信息至该第一银行端以清算该代币，该代币清算请求是由该第二银行端向该区块链平台发起；
    其中当该第一银行端依据该代币交易信息清算该代币，该区块链平台记录一代币清算信息并回收该代币。
  8. 如权利要求7所述的区块链交易系统，其中当该区块链平台记录该代币发行信息、该代币交易信息以及该代币清算信息时，该代币发行信息、该代币交易信息以及该代币清算信息将通过点对点加密保护以传送至该些节点进行验证并储存。
  9. 如权利要求7所述的区块链交易系统，其中该代币具有一总额度以及一使用期限，若通过该区块链验证的该代币使用请求对应于一第一额度，于该使用期限内，该代币具有一第二额度，该第二额度等于该总额度减去该第一额度。
  10. 如权利要求9所述的区块链交易系统，当该第一银行端依据该代币交易信息清算该代币，该第一银行端自对应该用户端的一用户端帐户转移该第一额度至对应该商户端的一商户端帐户。
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