WO2020073491A1 - Procédé de paiement par chaîne d'approvisionnement basé sur une chaîne de blocs, procédé de collecte de paiement, dispositif, appareil et support - Google Patents

Procédé de paiement par chaîne d'approvisionnement basé sur une chaîne de blocs, procédé de collecte de paiement, dispositif, appareil et support Download PDF

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Publication number
WO2020073491A1
WO2020073491A1 PCT/CN2018/122730 CN2018122730W WO2020073491A1 WO 2020073491 A1 WO2020073491 A1 WO 2020073491A1 CN 2018122730 W CN2018122730 W CN 2018122730W WO 2020073491 A1 WO2020073491 A1 WO 2020073491A1
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supplier
payment
information
amount
electronic
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PCT/CN2018/122730
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English (en)
Chinese (zh)
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庄海龑
王秀骏
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深圳壹账通智能科技有限公司
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Publication of WO2020073491A1 publication Critical patent/WO2020073491A1/fr

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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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/018—Certifying business or products

Definitions

  • This application relates to the field of financial technology, and in particular to a blockchain-based supply chain payment method, payment collection method, device, equipment, and medium.
  • each first-tier supplier can use electronic payment vouchers Obtain the payment from the core company, but before receiving the payment, the first-level supplier needs to pay the payment in advance to its subordinate supplier, that is, the second-level supplier, and the second-tier supplier also needs to pay its own subordinate supplier, that is Pay in advance to third-tier suppliers, that is, the current electronic payment vouchers issued through core companies cannot be circulated among suppliers at all levels, which makes electronic payments between financial supply chains particularly complicated and inefficient. The security is not high. At the same time, when some suppliers are short of funds, the supply chain will break, which is not conducive to the stable development of the supply chain.
  • Embodiments of the present application provide a blockchain-based supply chain payment method, collection method, device, computer equipment, and storage medium to solve the current electronic payment between financial supply chains with high complexity, low efficiency, and insecure security High question.
  • a supply chain payment method based on blockchain including:
  • the superior supplier information, the inferior supplier information and the actual payment amount M included in the payment request are obtained;
  • the electronic payment voucher of the superior supplier is split to obtain the first electronic payment with a disposable amount of NM Voucher and second electronic payment voucher with disposable amount M;
  • the payment is confirmed to be successful, and the first electronic payment voucher is used as the electronic payment of the superordinate supplier after the transaction certificate.
  • a supply chain payment method based on blockchain including:
  • the identity authentication information of the subordinate supplier is sent to the superior supplier to enable the superior
  • the supplier authenticates the subordinate supplier according to the identity authentication information
  • a supply chain payment device based on blockchain including:
  • the payment request obtaining module is used to obtain the information of the upper-level supplier, the information of the lower-level supplier and the actual payment amount M contained in the payment request if the payment request sent by the upper-level supplier is received;
  • Authenticity verification module which is used to verify the authenticity of the information of the superior supplier and the information of the lower supplier to obtain the verification result
  • a control amount acquisition module configured to obtain a controllable amount N in the electronic payment voucher of the upper level supplier if the verification result is that the upper level supplier information and the lower level supplier information are both true;
  • the payment voucher splitting module is used to split the electronic payment voucher of the superior supplier when the disposable amount N in the electronic payment voucher of the superior supplier exceeds the actual payment amount M to obtain disposable The first electronic payment voucher with an amount of NM and the second electronic payment voucher with a disposable amount of M;
  • a payment voucher transfer module used to transfer the second electronic payment voucher to the subordinate supplier by means of blockchain
  • the payment detection module is used to detect whether the subordinate supplier has confirmed that the payment is successful, and perform identity authentication on the subordinate supplier;
  • the payment confirmation module is used to confirm that the payment is successful if the lower-level supplier has confirmed that the payment is successful and the lower-level supplier has passed the identity authentication, and use the first electronic payment voucher as the post-transaction The electronic payment certificate of the superior supplier.
  • a supply chain payment device based on blockchain including:
  • the control amount judgment module is used to determine whether the controllable amount in the second electronic payment certificate is equal to the actual payment amount if it is detected that the subordinate supplier successfully receives the second electronic payment certificate sent by the upper supplier;
  • the authentication information sending module is used to confirm that the payment is successful if the disposable amount in the second electronic payment voucher is equal to the actual payment amount, and send the identity verification of the subordinate supplier to the superior supplier Information, so that the superior supplier authenticates the subordinate supplier according to the identity authentication information;
  • the payment voucher merging module is used to merge the second payment voucher with the electronic payment voucher of the lower-level supplier after receiving the identity authentication success information sent by the upper-level supplier, and merge the combined electronic payment The voucher serves as the electronic payment voucher after the transaction of the subordinate supplier.
  • a computer device includes a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, and the processor implements the computer-readable instructions to implement the foregoing blockchain-based The steps of the supply chain payment method or the steps of the aforementioned blockchain-based supply chain payment method.
  • One or more non-volatile readable storage media the non-volatile readable storage media storing computer-readable instructions, the computer-readable instructions are executed by one or more processors to implement the above block-based The steps of the supply chain payment method of the chain or the steps of the above-mentioned blockchain-based supply chain payment method.
  • FIG. 1 is a schematic diagram of an application environment of a supply chain payment method and a payment collection method based on a blockchain provided by an embodiment of the present application;
  • FIG. 2 is an implementation flowchart of a supply chain payment method based on a blockchain provided by an embodiment of the present application
  • FIG. 3 is a flowchart of an implementation of step S12 in a blockchain-based supply chain payment method provided by an embodiment of the present application;
  • step S15 is an implementation flowchart of step S15 in the blockchain-based supply chain payment method provided by an embodiment of the present application
  • FIG. 5 is a flowchart of implementing currency conversion in a blockchain-based supply chain payment method provided by an embodiment of the present application
  • FIG. 6 is a flowchart of an implementation of a supply chain payment method based on a blockchain provided by an embodiment of the present application
  • FIG. 7 is a schematic diagram of a blockchain-based supply chain payment device provided by an embodiment of the present application.
  • FIG. 8 is a schematic diagram of a blockchain-based supply chain payment collection device provided by an embodiment of the present application.
  • FIG. 9 is a schematic diagram of a computer device provided by an embodiment of the present application.
  • FIG. 1 illustrates an application environment of a blockchain-based supply chain payment method and a payment method provided by an embodiment of the present application.
  • the blockchain-based supply chain payment method and collection method are used in the scenario of electronic payment by suppliers at all levels in the financial supply chain.
  • the electronic payment scenario includes a server, an upper-level supplier client, and a lower-level supplier client, where the upper-level supplier sends a payment request to the server through the upper-level supplier client, and passes the upper-level supplier when identity verification is required
  • the client provides verification information to the server, and the subordinate supplier receives the electronic payment voucher sent by the server through the subordinate supplier client, and provides authentication information through the subordinate supplier client when identity verification is required.
  • the upper-level supplier client and the lower-level supplier client can be, but are not limited to, smart devices such as portable computers, personal computers, mobile phones, and tablet computers.
  • the server can be implemented by an independent server or a server cluster composed of multiple servers.
  • FIG. 2 illustrates a blockchain-based supply chain payment method provided by an embodiment of the present application. The method is applied to the server in FIG. 1 as an example for description. The details are as follows:
  • the enterprise pays the goods to the first-tier supplier
  • the first-tier supplier pays the goods to the second-tier supplier.
  • the upper-tier supplier is the payer of the goods
  • the lower-tier supplier The merchant is the payee of the payment.
  • the server obtains the upper-level supplier information, the lower-level supplier information and the actual payment amount M contained in the payment request for subsequent follow-up Verify the authenticity of the transaction.
  • the electronic payment voucher refers to a certain format, a certain amount, at the time of seeing the ticket or on the designated due date, at the designated place, the invoice or the other person as the payer, to the payee or hold Electronic written vouchers for unconditional payments.
  • the Supply Chain (Supply Chain Finance, SCF) refers to banks providing financing and other settlement and wealth management services to customers, and at the same time providing these customers' suppliers with the convenience of timely receipt of loans, or providing prepayment agents to their distributors.
  • Payment and inventory financing services that is, a financing model in which banks link core enterprises and upstream and downstream enterprises to provide flexible use of financial products and services. It is a professional field of commercial bank credit business, but also enterprises, especially small and medium-sized enterprises. A financing channel.
  • network transmission protocols include, but are not limited to: Internet Control Message Protocol (Internet Control Message Protocol, ICMP), Address Resolution Protocol (ARP Address Resolution Protocol, ARP) and File Transfer Protocol (File Transfer Protocol, FTP), etc.
  • S12 Verify the authenticity of the information of the superior supplier and the information of the lower supplier, and obtain the verification result.
  • the verification result is that the information of the upper-level supplier and the lower-level supplier are both true, that is, when the payment is confirmed to be legal, the disposable amount N contained in the electronic payment certificate of the upper-level supplier is obtained.
  • the disposable amount N refers to the maximum amount of transactions included in the electronic payment voucher is N, for example, the disposable amount of an electronic payment voucher is 20,000 yuan, which means that when using the electronic payment voucher for electronic payment, available The upper limit of the amount paid is 20,000 yuan.
  • the electronic payment voucher of the upper-level supplier can be obtained on the terminal corresponding to the upper-level supplier of the blockchain, or it can be obtained from a preset database, or it can be stored according to the actual situation.
  • the setting of the path is determined, and no specific restrictions are made here.
  • the electronic payment voucher of the superior supplier is obtained from a preset database, after each confirmation of successful payment, the electronic payment voucher of the superior supplier in the preset database is updated.
  • the electronic payment voucher of the superior supplier is split to obtain the first electronic payment voucher and The second electronic payment voucher with the control amount of M, and the split time is generated on the split first electronic payment voucher and the second payment voucher.
  • the electronic payment voucher may be copied to obtain two identical electronic payment vouchers, and the two electronic payment vouchers are disposable The amount is adjusted so that the sum of the disposable amounts of the two electronic payment vouchers is equal to the disposable amount N of the electronic payment voucher of the superior supplier.
  • the disposable amount of NM is obtained.
  • splitting of the electronic payment voucher of the superior supplier into two electronic payment vouchers mentioned in this embodiment is only a preferred way to split the electronic payment vouchers in this application. In the process, it can also be split into more than two electronic payment vouchers, which can be determined according to the actual situation, without specific restrictions here.
  • the amount N in the electronic payment certificate of the superior supplier is equal to the actual payment amount M, there is no need to split the electronic payment certificate of the superior supplier, that is, the electronic payment certificate of the superior supplier is directly used as the second electronic payment certificate.
  • the payment request is rejected , And send prompt information to the superior supplier client.
  • the second electronic payment voucher is transferred to the lower-level supplier through the blockchain, so that the electronic payment voucher that cannot be directly circulated can be paid from the upper-level supplier to the lower-level supplier, which improves the electronic payment of the financial supply chain.
  • the use of blockchain in this way also improves the security of electronic payments.
  • the blockchain is a chained data structure that combines data blocks in a chronological order in a sequential manner, and is a tamper-proof and unforgeable distributed ledger guaranteed by cryptography.
  • the lower-level supplier After transferring the second electronic payment voucher to the lower-level supplier, it is necessary to detect whether the lower-level supplier confirms that the payment is successful, if the lower-level supplier does not confirm, or the lower-level supplier confirms that the payment fails, or detects within a preset time range If the subordinate supplier does not confirm whether the payment is successful, it indicates that there is a security risk and the actual payment cannot be made.
  • detecting whether the lower-level supplier confirms that the payment is successful may specifically be detected based on whether receipt information indicating that the payment is successful is sent from the lower-level supplier, and the lower-level supplier is judged if the receipt information is received Confirm the payment is successful; in the case of payment through the blockchain, you can also check whether the subordinate supplier confirms the successful payment by querying the blockchain for the confirmation information uploaded by the subordinate supplier for the payment.
  • the superior supplier and the subordinate supplier can also conduct voice or video communication, and the subordinate supplier can inform the superior supplier of the successful payment through voice or video, and the superior supplier in the superior
  • the confirmation operation is performed in the supplier client, and the higher-level supplier client can determine whether the lower-level supplier confirms the successful payment according to whether the above confirmation operation is detected, and feeds back the confirmation result to the server.
  • the subordinate supplier After the subordinate supplier confirms that the payment has been successfully tested, the subordinate supplier needs to be authenticated to further ensure that the subordinate supplier is the party expected to pay, and to ensure the legality and correctness of the subordinate supplier actually paid.
  • the identity authentication of the subordinate supplier may include, but is not limited to: the authentication of the legality and correctness of the identity of the subordinate supplier, when specifically implemented After confirming the successful payment, the subordinate supplier can send the identity authentication information of the subordinate supplier to the superior supplier. The superior supplier authenticates the legality and correctness of the subordinate supplier according to the identity authentication information. After passing, the actual payment will be made.
  • performing identity authentication on the subordinate supplier may include: performing identity authentication on the subordinate supplier through voice communication interaction, live video interaction, or multimedia information interaction.
  • the upper-level supplier and the lower-level supplier conduct voice or video communication, and the upper-level supplier can realize the identity authentication of the lower-level supplier based on voice communication interaction or live video interaction; in addition, the lower-level supplier can also record multimedia information such as short video And send to the superior supplier, the superior supplier authenticates the subordinate supplier according to the multimedia information. It is easy to understand that, when conducting voice or video communication, the identity authentication of the subordinate supplier to the superior supplier and the identity authentication of the superior supplier to the subordinate supplier can be realized at the same time.
  • the upper-level supplier and the lower-level supplier can also customize the identity authentication method for the lower-level supplier.
  • the upper-level supplier can specify any of the above-mentioned identity authentication methods.
  • the lower-level supplier performs identity authentication; correspondingly, the lower-level supplier can also specify any of the above identity authentication methods to authenticate the upper-level supplier.
  • the lower-level supplier when it is detected that the lower-level supplier has confirmed the successful payment and the lower-level supplier has passed the identity authentication, it can confirm the successful payment.
  • the first electronic payment certificate is used as the electronic payment certificate of the higher-level supplier after the transaction .
  • the superior supplier information, the subordinate supplier information and the actual payment amount M included in the payment request are obtained, and the superior supplier information and the subordinate supplier information After verifying the authenticity and confirming that the verification result is that the information of the superior supplier and the information of the lower supplier are true, obtain the amount N in the electronic payment certificate of the superior supplier, and then the amount N in the electronic payment certificate and the actual payment amount M For comparison, when the amount N in the electronic payment voucher of the superior supplier exceeds the actual payment amount M, the electronic payment voucher of the superior supplier is split to obtain the first electronic payment voucher with an amount of NM and the Second electronic payment voucher, and then use the blockchain method to transfer the second electronic payment voucher to the lower-level supplier, and start the detection of whether the lower-level supplier has confirmed the successful payment and the identity verification of the lower-level supplier.
  • the first electronic payment voucher is used as the electronic payment voucher of the superior supplier after the transaction, so that the electronic payment voucher issued by the core enterprise can be freely traded between suppliers at all levels, optimizing the electronic payment between the financial supply chain. Convenience, improve the efficiency of electronic payment in the financial supply chain.
  • the use of blockchain technology for electronic payment makes electronic payment traceable and tamper-resistant, and also improves the security of electronic payment.
  • this core The form of circulation of electronic payment vouchers issued by enterprises with strong credit also avoids the abnormality or breakage of the financial supply chain caused by the previous poor capital turnover of the supplier, and ensures the stability of the financial supply chain.
  • the following uses a specific embodiment to verify the authenticity of the upper-level supplier information and the lower-level supplier information mentioned in step S12, and obtains the verification result. Detailed description.
  • FIG. 3 shows a specific implementation process of step S12 provided by an embodiment of the present application, and details are as follows:
  • S121 query whether there is a target enterprise account from a preset database, and if there is a target enterprise account, query whether the authorized user account is associated with the target enterprise account, where the preset database pre-stores the target enterprise account and the authorized user account , The association information between the target enterprise account and the authorized user account, and the authorization period corresponding to the authorized user account and the corresponding authorized user information.
  • both the upper-level supplier information and the lower-level supplier information include the target enterprise account, authorized user account, and login time.
  • the target enterprise account, authorized user account, and target enterprise are pre-stored in the database preset on the server side
  • the authorized user account and login time are queried with the information in the preset database to see if there is information consistent with the information in the database to determine the authenticity of the information in the payment request.
  • the target enterprise account is an enterprise account in which the enterprise account registration is completed in advance.
  • the authorized user account is the user account corresponding to the authorized authorized user.
  • the login time is the current system time when the verification is triggered by the higher-level supplier client.
  • the current time of the system can be obtained by using the built-in time acquisition function of the enterprise client (such as the currentTimeMillis method in the System class in JAVA), and Determine the current time of the system as the login time.
  • the server pre-associates and stores at least one authorized user account corresponding to the target enterprise account, and the authorization period and authorized user information corresponding to each authorized user account, so as to perform verification based on the authorized user information.
  • the authorized user information includes but is not limited to mobile phone numbers and registered biometrics.
  • the authorization period corresponding to the authorized user account is obtained from a preset database, and it is determined whether the login time is within the authorization period.
  • the authorization period may be the cut-off time when the authorized user account has validity.
  • the authorization period of an authorized user account is "24:00:00 on October 12, 2018", which means that the authorized user account is in 2018. It is valid until 24:00:00 on October 12.
  • the login time in the identity verification request if the login time is within the authorization period, it means that the authorized user account is within the validity period and can be used for login, transaction or Other contracting behaviors; otherwise, if the login time is not within the authorization period, it means that the authorized user account is not within the validity period, and no login, transaction or other contracting behaviors are allowed to ensure the transaction security of the enterprise corresponding to the target enterprise account.
  • the server will query the database based on the authorized user account only when the login time is within the authorized period, to obtain the authorized user information corresponding to the authorized user account, so as to perform identity verification based on the authorized user information to ensure that the target enterprise account corresponds to the
  • the transaction security of the enterprise can avoid the useless overhead caused by other verification actions that the login time is not within the authorized period, and improve the processing efficiency.
  • S124 Send the identity verification code to the mobile terminal corresponding to the mobile number, and receive the login verification code returned by the mobile terminal. If the identity verification code is consistent with the login verification code, it is confirmed that the verification code verification is successful.
  • the identity verification code is a verification code randomly generated by the platform server using a dynamic code generation tool for identity verification.
  • the identity verification code is stored in the server in association with the authorized user account, and a validity period is set, for example, 60 seconds.
  • the login verification code is the verification code used for identity verification uploaded through the enterprise client during the user login phase. After obtaining the login verification code, the server uses a string matching algorithm to compare whether the login verification code and the identity verification code are consistent. If the two are consistent, the verification code verification is successful; otherwise, the verification code verification is unsuccessful.
  • S125 Obtain the biometrics to be verified uploaded by the on-board supplier and the lower-level supplier through the client, and calculate the similarity value between the biometrics to be verified and the registered biometrics. If the similarity value is not less than the preset threshold, confirm biometric verification success.
  • the upper-level supplier client and the lower-level supplier client start the built-in or external recording device to collect the sound to be verified
  • a similarity algorithm is used to compare the registered voiceprint feature and the voiceprint feature to be verified to obtain the similarity. If the similarity reaches a preset threshold, if yes, the biometric verification is successful, otherwise, the biometric verification is unsuccessful.
  • the similarity algorithm is used to compare the registered facial features and the facial features to be verified to obtain the similarity. If the similarity reaches a preset threshold, if yes, the biometric verification is successful, otherwise, the biometric verification is unsuccessful.
  • the information to be read can also be sent to the upper supplier client and the lower supplier client, or security issues , So that the user can read the information to be read, or answer security questions to collect the voice data to be verified, and in addition to extracting the voiceprint features to be verified, it is also necessary to identify whether the text data to be verified recognized by the voice data to be verified.
  • the information to be read matches to avoid illegal users using pre-recorded recording data for voice verification.
  • the registered biometric feature in the authorized user information stored on the server side is a registered facial feature
  • the biometric verification process in addition to using the similarity algorithm to compare the registered facial feature and the facial feature to be verified, to obtain the similarity and Compared with the preset threshold, to determine whether the biometric verification is successful, you also need to send action instructions to the upper supplier client and the lower supplier client, such as blinking and shaking your head, so that the shooting device collects short videos based on the action instruction
  • action instructions to the upper supplier client and the lower supplier client, such as blinking and shaking your head
  • step S124 and step S125 do not necessarily have an order of execution, which may be a parallel execution relationship, which is not limited here.
  • verifying the target enterprise account, the authorized user account, and the association information between the target enterprise account and the authorized user account contained in the upper supplier information and the lower supplier information from the preset database After confirming that the obtained target enterprise account, authorized user account, and associated information are consistent with the information stored in the database, verify code verification and biometric verification are performed. If both verification code verification and biometric verification are successful, the verification result is confirmed to be a superior supplier. The information and the information of the lower-level suppliers are true. Through verification from multiple angles, the authenticity of the information of the upper-level suppliers and the information of the lower-level suppliers is ensured, and the security of electronic payment is improved.
  • FIG. 4 shows a specific implementation process of step S15 provided by an embodiment of the present application. Details are as follows:
  • electronic account book information is generated, and the electronic account book information includes a payer, a payee, and a transaction amount, the payer is a superior supplier, and the payee is a lower supplier, transaction The amount is the second payment voucher.
  • S152 Use the preset private key to electronically sign the electronic account book information to obtain the signature information, and encapsulate the electronic account book information and the signature information into a block body.
  • the electronic account information is electronically signed by a preset private key to obtain signature information, and then the electronic account information and signature information are encapsulated into a block body.
  • the electronic signature can be implemented by using the SM2 algorithm.
  • the preset private key is generated by the upper-level supplier and the lower-level supplier through the point-to-point communication agreement of the blockchain, so that the signature information containing the private key can be decrypted by the lower-level supplier through the corresponding public key.
  • S153 Encapsulate the summary information of the previous block of the blockchain into a block header, make the block body and block header form a new block, and link the new block with the existing block in the blockchain Into a new blockchain.
  • the summary information of the previous block on the blockchain is encapsulated into a block header, and the block body obtained in step S152 and the block body are combined into a new block, and the new block is used Link with the original block of the blockchain to get a new blockchain.
  • the summary information of the previous block includes but is not limited to the address and transaction timestamp of the previous block, and the summary information of the previous block can be specifically implemented through the SM3 algorithm.
  • S154 Send the new block to each terminal of the new blockchain, so that when the terminal corresponding to the lower-level supplier receives the new block, the preset public key is used to block the new block.
  • the signature information in the body is verified, and after the verification is successful, the electronic account book information in the block body is obtained and updated.
  • the new block is broadcast, so that when the terminal corresponding to the subordinate supplier receives the new block, the preset public key is used to verify the signature information in the block body of the new block , And after successful verification, obtain the electronic account book information in the block body for verification during the payment process.
  • update the electronic account book information may include the transaction time and transaction amount 3. Records of transaction information such as suppliers participating in the transaction.
  • electronic account book information is generated, and then the electronic account book information is electronically signed using a preset private key to obtain signature information, and the electronic account book information and the signature information are encapsulated
  • encapsulate the summary information of the previous block of the blockchain into a block header make the block body and block header form a new block, and combine the new block with the existing block in the blockchain Link to form a new blockchain, and then send the new block to each terminal of the new blockchain, so that the terminal corresponding to the subordinate supplier adopts the preset public when receiving the new block
  • the key verifies the signature information in the block body of the new block, and after the verification is successful, obtains and updates the electronic account book information in the block body.
  • the second electronic payment voucher is sent To lower-level suppliers, electronic payment vouchers that could not be directly circulated can be used for electronic payment quickly, which improves the efficiency of electronic payment.
  • electronic payment vouchers that could not be directly circulated can be used for electronic payment quickly, which improves the efficiency of electronic payment.
  • immutability, safety and reliability of the blockchain Features ensure the security of electronic payments made by electronic payment vouchers.
  • the blockchain-based supply chain payment method further includes:
  • the exchange rate between the currency type of the actual payment amount and the default currency of the electronic payment voucher can be obtained by visiting the website to query the latest conversion rate, or the conversion rate can be obtained from a preset database, or Choose other methods according to the actual situation, no specific restrictions here.
  • the actual payment amount is 2000 USD
  • the currency type of the payment amount is USD
  • the default currency type of the electronic payment voucher is RMB.
  • the conversion rate between USD and RMB needs to be obtained.
  • the conversion rate obtained from the preset database to convert US dollars to Renminbi is 6.9265.
  • a default currency gold coin with the same value as the actual payment amount is generated, and the default currency amount is used as the converted actual payment amount M.
  • step S181 based on the actual payment amount of 2000 USD and the conversion rate of 6.9274 for the conversion of USD to RMB, the equivalent of the actual payment amount of 2000 USD is 13853 yuan, and 13853 yuan is the actual payment amount M.
  • FIG. 6 illustrates a blockchain-based supply chain payment method provided by an embodiment of the present application. The method is applied to the server in FIG. 1 as an example for description. The details are as follows:
  • the lower-level supplier after receiving the second electronic payment voucher sent by the upper-level supplier, the lower-level supplier will send a message to the server to successfully receive the second electronic payment voucher sent by the upper-level supplier, and obtain the second electronic payment from the message The disposable amount in the voucher, and determine whether the disposable amount in the second electronic payment voucher is equal to the actual payment amount.
  • the subordinate supplier needs to send a confirmation message to the server after receiving the second electronic payment voucher.
  • the server determines whether the disposable amount contained in the second electronic payment certificate received by the lower-level supplier is legal.
  • the disposable amount in the second electronic payment voucher is equal to the actual payment amount, it is determined that the received second electronic payment voucher is true and reliable and has not been tampered with.
  • the identity of the subordinate supplier is sent to the superior supplier Authentication information, so that the higher-level supplier performs identity authentication on the lower-level supplier according to the identity authentication information.
  • the specific authentication process refer to the description of step S60. To avoid repetition, no further description is provided here.
  • the transaction After receiving the identity authentication success message sent by the superior supplier, the transaction can be confirmed as successful. At this time, the electronic payment voucher of the lower supplier is combined with the second payment voucher, and the combined electronic payment voucher is used as the subordinate supply. The electronic payment voucher after the merchant transaction completes the payment process.
  • the disposable amount in the second electronic payment voucher is equal to the actual payment amount.
  • the second electronic payment voucher When the disposable amount in is equal to the actual payment amount, confirm the successful collection and send the lower supplier's identity authentication information to the higher supplier, so that the higher supplier will authenticate the lower supplier according to the identity authentication information.
  • the second payment voucher is merged with the electronic payment certificate of the lower supplier, and the combined electronic payment certificate is used as the electronic payment certificate after the transaction of the lower supplier, so that the payment is received
  • the payment amount and the payee are true and legal, which improves the security of the electronic payment.
  • FIG. 7 shows a functional block diagram of a blockchain-based supply chain payment device corresponding to the blockchain-based supply chain payment method of the above embodiment.
  • the blockchain-based supply chain payment device includes a payment request acquisition module 11, an authenticity verification module 12, a control amount acquisition module 13, a payment voucher splitting module 14, a payment voucher transfer module 15, and payment detection Module 16 and payment confirmation module 17.
  • the detailed description of each functional module is as follows:
  • the payment request obtaining module 11 is used to obtain the information of the upper-level supplier, the information of the lower-level supplier and the actual payment amount M contained in the payment request if the payment request sent by the upper-level supplier is received;
  • Authenticity verification module 12 is used to verify the authenticity of the information of the superior supplier and the information of the lower supplier to obtain the verification result;
  • the control amount acquisition module 13 is used to obtain the controllable amount N in the electronic payment certificate of the upper level supplier if the verification result is that the upper level supplier information and the lower level supplier information are both true;
  • the payment voucher splitting module 14 is used to split the electronic payment voucher of the superior supplier when the disposable amount N in the electronic payment voucher of the superior supplier exceeds the actual payment amount M to obtain the first An electronic payment voucher and a second electronic payment voucher with a disposable amount of M;
  • the payment voucher transfer module 15 is used to transfer the second electronic payment voucher to the subordinate supplier by means of blockchain;
  • the payment detection module 16 is used to detect whether the lower-level supplier has confirmed the successful payment and to authenticate the lower-level supplier;
  • the payment confirmation module 17 is used to confirm that the payment is successful if the lower-level supplier has confirmed that the payment is successful and the lower-level supplier has passed the identity authentication, and use the first electronic payment certificate as the electronic payment certificate of the higher-level supplier after the transaction .
  • the authenticity verification module 12 includes:
  • a relevance query unit is used to query whether a target business account exists from a preset database, and if a target business account exists, query whether an authorized user account is associated with the target business account, wherein the preset database pre-stores the target business Account information, authorized user account, the associated information between the target enterprise account and the authorized user account, and the authorization period corresponding to the authorized user account and the corresponding authorized user information;
  • the authorization period obtaining unit is used to obtain the authorization period corresponding to the authorized user account from the preset database if the authorized user account is associated with the target enterprise account;
  • the authorized user information query unit is used to query the authorized user information corresponding to the authorized user account if the login time is within the authorized period, where the authorized user information includes the mobile phone number and registered biometrics;
  • the verification code verification unit is used to send an identity verification code to the mobile terminal corresponding to the mobile number and receive the login verification code returned by the mobile terminal. If the identity verification code is consistent with the login verification code, the verification code verification is successful;
  • the biometric verification unit is used to obtain the biometrics to be verified uploaded by the on-board supplier and the subordinate suppliers through the client, and calculate the similarity value of the biometrics to be verified and the registered biometrics, if the similarity value is not less than the preset threshold, Then confirm that the biometric verification is successful;
  • the verification result confirmation unit is used to confirm that if the verification code verification and the biometric verification are successful, the verification result is that the superior supplier information and the subordinate supplier information are true.
  • the payment voucher transfer module 15 includes:
  • the account book generating unit is used to generate electronic account book information when it detects that an electronic payment voucher transfer request is generated, wherein the electronic account book information includes the payer, the payee and the transaction amount, the payer is the superior supplier, and the payee is the inferior Supplier, the transaction amount is the second payment voucher;
  • the encapsulation unit is used to electronically sign the electronic account book information by using a preset private key to obtain the signature information, and encapsulate the electronic account book information and the signature information into a block body;
  • the block combination unit is used to encapsulate the summary information of the previous block of the blockchain into a block header, so that the block body and block header form a new block, and the new block and the existing block chain Blocks are linked into a new blockchain;
  • the block sending unit is used to send a new block to each terminal of the new blockchain, so that when the terminal corresponding to the lower-level supplier receives the new block, the preset public key is used for the new
  • the signature information in the block body of the block is verified, and after the verification is successful, the electronic account book information in the block body is obtained and updated.
  • the blockchain-based supply chain payment device also includes:
  • the exchange rate acquisition module is used to obtain the conversion rate between the currency type of the actual payment amount and the default currency of the electronic payment voucher if the currency type of the actual payment amount is different from the default currency type of the electronic payment voucher;
  • the currency conversion module is used to generate a default currency amount that is the same as the actual payment amount according to the actual payment amount according to the conversion rate, and use the default currency amount as the converted actual payment amount M.
  • FIG. 8 shows a functional block diagram of a blockchain-based supply chain payment collection device that corresponds one-to-one to the blockchain-based supply chain payment collection method of the above embodiment.
  • the supply chain collection device based on the blockchain includes: a control amount judgment module 21, an authentication information transmission module 22 and a payment voucher merge module 23.
  • the detailed description of each functional module is as follows:
  • the control amount judgment module 21 is used to determine whether the disposable amount in the second electronic payment certificate is equal to the actual payment amount if it is detected that the subordinate supplier successfully receives the second electronic payment certificate sent by the superior supplier;
  • the authentication information sending module 22 is used to confirm that the payment is successful if the disposable amount in the second electronic payment voucher is equal to the actual payment amount, and send the identity verification information of the subordinate supplier to the superior supplier to enable the superior supplier Identify the subordinate suppliers according to the identity authentication information;
  • the payment voucher merging module 23 is used to merge the second payment voucher with the electronic payment voucher of the lower-level supplier after receiving the identity authentication success information sent by the upper-level supplier, and use the combined electronic payment voucher as the lower-level supplier Electronic payment voucher after the transaction.
  • each module in the aforementioned blockchain-based supply chain payment device and the aforementioned blockchain-based supply chain payment device may be implemented in whole or in part by software, hardware, and combinations thereof.
  • the above modules may be embedded in the hardware or independent of the processor in the computer device, or may be stored in the memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.
  • the computer device may be a server, and its internal structure diagram may be as shown in FIG. 9.
  • the computer device includes a processor, memory, network interface, and database connected by a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities.
  • the memory of the computer device includes a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium stores an operating system, computer-readable instructions, and a database.
  • the internal memory provides an environment for the operation of the operating system and computer-readable instructions in the non-volatile storage medium.
  • the database of the computer device is used to store the target enterprise account, authorized user account, association information between the target enterprise account and the authorized user account, and the authorization period corresponding to the authorized user account and the corresponding authorized user information.
  • the network interface of the computer device is used to communicate with external terminals through a network connection.
  • a computer device which includes a memory, a processor, and computer-readable instructions stored on the memory and executable on the processor.
  • the processor executes the computer-readable instructions
  • the above embodiment is implemented based on the area
  • the steps of the block chain supply chain payment method or the block chain based supply chain payment method in the above embodiment are, for example, steps S11 to S17 shown in FIG. 2, and for example steps S21 to S23 shown in FIG. 6.
  • the processor executes computer-readable instructions
  • the functions of each module / unit of the blockchain-based supply chain payment device in the above embodiment or the blockchain-based supply chain payment device in the above embodiment are implemented, for example, as shown in FIG. 7
  • the functions of the modules 11 to 17 are, for example, the functions of the modules 21 to 23 shown in FIG. 8. To avoid repetition, I will not repeat them here.
  • one or more non-volatile readable storage media are provided, the computer-readable instructions are stored on the non-volatile readable storage media, and the computer-readable instructions are executed by one or more processors Implement the steps of the above-mentioned embodiment based on the blockchain-based supply chain payment method or the above-mentioned embodiments based on the blockchain-based supply chain payment method, or the computer-readable instructions are executed by one or more processors For example, the function of each module / unit in the supply chain payment device based on the blockchain or the supply chain payment device based on the blockchain in the above embodiment. To avoid repetition, I will not repeat them here.
  • the non-volatile readable storage medium may include: any entity or device capable of carrying the computer-readable instructions, recording medium, U disk, removable hard disk, magnetic disk, optical disk, computer memory, read-only Memory (Read-Only Memory, ROM), Random Access Memory (Random Access Memory, RAM), electrical carrier signals, telecommunications signals, etc.

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Abstract

La présente invention concerne un procédé de paiement par chaîne d'approvisionnement basé sur une chaîne de blocs, un procédé de collecte de paiement, un dispositif, un appareil et un support. Le procédé de paiement comprend : lors de la réception d'une demande de paiement envoyée par un fournisseur en amont, l'acquisition d'informations de fournisseur en amont, d'informations de fournisseur en aval, et d'un montant de paiement réel M inclus dans la demande de paiement ; la vérification de l'authenticité des informations de fournisseur ; si l'authenticité de celles-ci est confirmée, l'acquisition d'un montant disponible N dans un instrument de paiement électronique d'un fournisseur en amont, et la comparaison de celui-ci au montant de paiement réelle M ; si N est supérieur à M, la division de l'instrument de paiement électronique pour obtenir un premier instrument de paiement électronique ayant un montant de N-M et un second instrument de paiement électronique ayant un montant M ; et le transfert, au moyen d'une chaîne de blocs, du second instrument de paiement électronique à un fournisseur en aval. L'invention permet, au moyen de chaînes de blocs, le commerce libre d'instruments de paiement électroniques émis par une société centrale entre des fournisseurs à chaque niveau, ce qui permet d'améliorer l'efficacité et la sécurité des paiements électroniques dans une chaîne d'approvisionnement financière.
PCT/CN2018/122730 2018-10-12 2018-12-21 Procédé de paiement par chaîne d'approvisionnement basé sur une chaîne de blocs, procédé de collecte de paiement, dispositif, appareil et support WO2020073491A1 (fr)

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