CN107480978B - Payment method based on block chain technology - Google Patents
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- CN107480978B CN107480978B CN201710664241.XA CN201710664241A CN107480978B CN 107480978 B CN107480978 B CN 107480978B CN 201710664241 A CN201710664241 A CN 201710664241A CN 107480978 B CN107480978 B CN 107480978B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- 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
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Abstract
The invention provides a payment-on-behalf method based on a block chain technology, which comprises the following steps: the user inputs own information to generate a transaction request; the merchant order system submits the transaction request to any one node on the blockchain payment system, and at the moment, the node forms a receiving node; after the block chain verifies the payment request, the verified payment request is blocked by a consensus algorithm, so that the payment request is recorded on the block chain; the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the precedent system; the known system returns a payment result to the block chain through the matched block chain link point; after the payment results are blocked by a consensus algorithm, the payment results are recorded on a block chain and are notified to a transaction system of a merchant; and completing the whole payment process. The invention is beneficial to implementing accurate, timely and more-dimensional supervision, and can solve the problem that online commercial service platforms and offline payment service providers are suspected of secondary clearing.
Description
Technical Field
The invention relates to the technical field of payment transaction, in particular to a payment substitute method based on a block chain technology.
Background
Currently, with the large-scale growth of internet and mobile phone users, internet payments and mobile phone payments are rapidly developing. Meanwhile, the supervision department finds that a large merchant mode and a second clear mode are used by a plurality of platforms in the actual business process. The 'big merchant' mode refers to the condition that a plurality of merchants commonly use one merchant code, and the authenticity principle of the merchants is violated; the 'second clear' mode refers to that a payment company or a bank transfers settlement money to a certain company or a certain person, and the settlement is carried out on the settlement money to a merchant by the certain company or the certain person, so that the principle of directness of settlement is violated. The situation that funds are retained in the platform account can happen, and once the platform runs or the funds are stolen, a series of problems with extremely bad influence can be caused when the account funds reach a certain scale. Meanwhile, the authenticity of the transaction information provided by the platform cannot be guaranteed, and there may be behaviors of counterfeiting and changing transactions to collect the funds of merchants and users.
The block chain has the characteristics of decentralization, openness, autonomy and information non-falsification, can be used for constructing a supervision tool box which is required by a supervision department and comprises a plurality of means, is beneficial to implementing accurate, timely and more-dimensional supervision, solves the problem that an online commercial service platform and an offline payment service provider are suspected to be clear, and is more frequently used for payment, so that the payment-on-behalf method based on the block chain technology can be produced.
At present, in the method for payment by agency based on the blockchain technology, an independent foreknowledge system is not used for monitoring the transaction or payment request on the blockchain, or the independent foreknowledge system is used for being connected with a payment channel, and the data for payment by agency is verified and transmitted through the foreknowledge system, so that the method for payment by agency based on the blockchain technology is put forward for the first time in the field of payment.
Disclosure of Invention
The invention aims to provide a block chain technology-based payment substituting method which can effectively avoid the risk defect in the conventional order system. By utilizing the characteristic of the block chain distributed account book, a monitoring mechanism can monitor all transactions in the system in real time, and the problems of secondary clearing and the like are avoided.
In order to achieve the purpose, the invention adopts the following technical scheme:
a block chain technology-based payment method comprises the following steps:
s1, the user inputs the information of payment and initiates a request of payment: the user inputs own information and generates a payment request;
s2, the merchant system submits a payment request: the merchant order system submits the payment-substituting request to any node of the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment substituting request, the verified payment substituting request is blocked by a consensus algorithm, so that the payment substituting request is recorded on the block chain;
s4, monitoring and paying instead: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the prior system; the system returns the payment result to the block chain through the matched block chain link point;
s5, a payment result processing step: after the generation payment result is blocked by a consensus algorithm, the generation payment result is recorded on a block chain and is notified to an order system of a merchant; the whole process of payment generation is completed;
and S6, ending the payment of the generation.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment substituting request, verifies the payment substituting request, broadcasts the payment substituting request to other nodes of the block chain if the verification is successful, and simultaneously stores the payment substituting request into a transaction pool of the node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment-on-behalf request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment-on-behalf request is received for the first time, the other nodes broadcast the payment-on-behalf request and simultaneously store the payment-on-behalf request into a transaction pool of the node, otherwise, the node directly discards the payment-on-behalf request;
and S3.3, after the preset time, blocking the payment agency request through a consensus algorithm, and recording the block chain.
Further, the step of monitoring and payment for others (S4) is specifically:
s4.1, the surname system monitors the payment-on-behalf request on the block chain of the matched node, verifies the payment-on-behalf request, if the verification is successful, the payment-on-behalf request is sent to a payment channel, and the step S4.2 is carried out, if the verification is failed, the payment-on-behalf request is discarded, and the payment-on-behalf is finished;
s4.2, processing the payment request by the payment channel to generate a payment result;
s4.3, the payment channel sends the result of successful payment by generation to a prior knowledge system, the prior knowledge system verifies the successful payment by generation, and if the verification is successful, the result of payment by generation is written into the block link point matched with the result of payment by generation; and if the verification fails, discarding the payment result without recording.
Further, the substitute payment result processing step (S5) is specifically:
s5.1, the block chain link point matched with the prior-known system receives the payment substituting result written by the prior-known system, verifies the payment substituting result, and if the verification is successful, sends the payment substituting result to other nodes of the block chain, and simultaneously stores the payment substituting result into a transaction pool of the node; if the verification fails, directly discarding the payment result of the agent;
s5.2, after receiving the broadcasted payment-on-behalf result, other nodes respectively carry out verification, if the verification is successful and the payment-on-behalf result is received for the first time, the payment-on-behalf result is broadcasted, and meanwhile, the payment-on-behalf result is stored in a transaction pool of the nodes; otherwise, directly discarding the payment result;
s5.3, after the preset time, recording the payment withholding result on a block chain after the payment withholding result is blocked by a consensus algorithm;
and S5.4, the node which receives the request earliest returns the payment substituting result on the block chain to the merchant order system.
Further, the substitute payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment substituting result, displaying the payment substituting result.
Further, the payment data of the verification failure is processed by an error checking and processing system connected with the blockchain, wherein the payment data of the payment data comprises data of a payment request, a payment response, a payment result and a settlement result.
Drawings
FIG. 1 is an interactive schematic diagram of a payment-on-delivery method constructed by the present invention
FIG. 2 is a flowchart of a method for payment on behalf of a customer according to an embodiment 3 of the present invention
FIG. 3 is a flowchart of a method for payment on behalf of the user in embodiment 2 of the present invention
Detailed Description
The method for making a payment over a block chain technology according to the present invention is further explained and illustrated with reference to the drawings and the specific embodiments.
Example 1
The block chain technology-based payment-on-behalf specific transaction flow is as follows:
the user inputs the payment information and initiates a payment request: the user inputs own information and generates a payment request;
the merchant system submits a payment request: the merchant order system submits the payment-substituting request to any node on the block chain;
the block chain broadcasts a payment request for the agent and forms blocks: the node receives the request of the merchant, verifies the request of the merchant, sends the request to other nodes of the block chain after the verification is successful, and simultaneously stores the payment-substituting request into a transaction pool of the node; if the verification fails, the payment-on-behalf request is discarded directly. After receiving the broadcasted payment-on-behalf request, other nodes respectively carry out verification, if the verification is successful and the payment-on-behalf request is received for the first time, the other nodes broadcast the payment-on-behalf request and store the payment-on-behalf request into a transaction pool of the nodes; otherwise, the payment request is directly discarded. After a certain time, the payment-by-proxy request is packed onto the blockchain according to consensus rules.
The precursor system monitors for a payment request: the first known system monitors the payment request on the block chain of the matched node and verifies the transaction;
the precursor system sends a payment withholding request: after the verification is successful, the first known system sends a payment request to a payment channel;
the payment channel returns a payment result: the payment channel processes the request of paying for the next generation and returns the result of paying for the next generation to the prior known system;
the precursor system returns a payment result: after the pre-known system receives the payment substituting result, the payment substituting result is sent to the matched node;
and broadcasting the payment result by the block chain and blocking: the node receives the result of the prior known system, verifies the result, sends the result to other nodes of the block chain after the result is verified successfully, and simultaneously stores the payment result into a transaction pool of the node; if the verification fails, the payment result of the generation is directly discarded. After receiving the broadcasted payment-on-behalf result, other nodes respectively carry out verification, if the verification is successful and the payment-on-behalf result is received for the first time, the other nodes broadcast the payment-on-behalf result and store the payment-on-behalf result into a transaction pool of the nodes; otherwise, directly discarding the payment result. After a certain time, the payment result is packed to a block chain according to the consensus regulation;
block chain return payment results: the node which receives the request earliest returns the payment substituting result on the block chain to the merchant order system;
the merchant displays the payment result: after receiving the payment-on-behalf result, the order system of the merchant displays the payment-on-behalf result to the user;
example 2
The block chain technology-based payment method comprises the following steps:
s1, the user inputs the information of payment and initiates a request of payment: the user inputs own information and generates a payment request;
s2, the merchant system submits a payment request: the merchant order system submits the payment-substituting request to any one node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment substituting request, the verified payment substituting request is blocked by a consensus algorithm, so that the payment substituting request is recorded on the block chain;
s4, monitoring and paying instead: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the prior system; the system returns the payment result to the block chain through the matched block chain link point;
s5, a payment result processing step: after the generation payment result is blocked by a consensus algorithm, the generation payment result is recorded on a block chain and is notified to an order system of a merchant; completing the whole process of the payment substitute;
and S6, ending the payment of the generation.
Further, the block chain processing step (S3) is specifically:
s3.1, the receiving node receives the payment substituting request, verifies the payment substituting request, broadcasts the payment substituting request to other nodes of the block chain if the verification is successful, and simultaneously stores the payment substituting request into a transaction pool of the node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request and ending the payment;
s3.2, after receiving the broadcasted payment-on-behalf request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment-on-behalf request is received for the first time, the other nodes broadcast the payment-on-behalf request and simultaneously store the payment-on-behalf request into a transaction pool of the node, otherwise, the node directly discards the payment-on-behalf request;
and S3.3, after the preset time, blocking the payment agency request through a consensus algorithm, and recording the block chain.
Further, the step of monitoring and payment for others (S4) is specifically:
s4.1, the surname system monitors the payment-on-behalf request on the block chain of the matched node, verifies the payment-on-behalf request, if the verification is successful, the payment-on-behalf request is sent to a payment channel, and the step S4.2 is carried out, if the verification is failed, the payment-on-behalf request is discarded, and the payment-on-behalf is finished;
s4.2, processing the payment request by the payment channel to generate a payment result;
s4.3, the payment channel sends the result of successful payment by generation to a prior knowledge system, the prior knowledge system verifies the successful payment by generation, and if the verification is successful, the result of payment by generation is written into the block link point matched with the result of payment by generation; and if the verification fails, discarding the payment result without recording.
Further, the substitute payment result processing step (S5) is specifically:
s5.1, the block chain link point matched with the prior-known system receives the payment substituting result written by the prior-known system, verifies the payment substituting result, and if the verification is successful, sends the payment substituting result to other nodes of the block chain, and simultaneously stores the payment substituting result into a transaction pool of the node; if the verification fails, directly discarding the payment result of the agent;
s5.2, after receiving the broadcasted payment-on-behalf result, other nodes respectively carry out verification, if the verification is successful and the payment-on-behalf result is received for the first time, the payment-on-behalf result is broadcasted, and meanwhile, the payment-on-behalf result is stored in a transaction pool of the nodes; otherwise, the node discards the payment result;
s5.3, after the preset time, recording the payment withholding result on a block chain after the payment withholding result is blocked by a consensus algorithm;
and S5.4, the node which receives the request earliest returns the payment substituting result on the block chain to the merchant order system.
Further, the substitute payment result processing step (S5) further includes:
and S5.5, after the merchant order system receives the payment substituting result, displaying the payment substituting result.
Further, the payment data of the verification failure is processed by an error checking and processing system connected with the blockchain, wherein the payment data comprises data of a payment request, a payment result and a settlement result.
Example 3
The block chain technology-based payment method only comprises the following steps:
s1, the user inputs the information of payment and initiates a request of payment: the user inputs own information and generates a payment request;
s2, the merchant system submits a payment request: the merchant order system submits the payment-substituting request to any one node on the block chain payment system, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment substituting request, the verified payment substituting request is blocked by a consensus algorithm, so that the payment substituting request is recorded on the block chain;
s4, monitoring and paying instead: the method comprises the steps that a first known system monitors a payment request on a block chain of a node matched with the first known system, and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the prior system; the system returns the payment result to the block chain through the matched block chain link point;
s5, a payment result processing step: after the generation payment result is blocked by a consensus algorithm, the generation payment result is recorded on a block chain and is notified to an order system of a merchant; completing the whole payment process;
and S6, ending the payment of the generation.
In addition, in the invention, after other nodes of the block chain receive the broadcast, the node discards the payment data by itself, which means that the payment data is discarded at only the node with the verification failure, but not all the nodes, and the payment data also exists in a certain node or some nodes of the block chain.
According to the transaction flow and blockchain features of the present invention, all nodes will have a complete non-tampered book. Therefore, the supervising mechanism can supervise all transactions through the account book of the node, and risk transactions are prevented from occurring.
The present invention is not limited to the above-described embodiments, and variations, modifications, additions and substitutions which can be made by those skilled in the art within the spirit of the invention are also within the scope of the invention.
Claims (6)
1. A block chain technology-based payment method is characterized by comprising the following steps:
s1, the user inputs the payment information and initiates a payment request: the user inputs own information and generates a payment request;
s2, the merchant system submits a payment request: the merchant system submits the payment-on-behalf request to any node on the block chain, and at the moment, the node forms a receiving node;
s3, block chain processing step: after the block chain verifies the payment substituting request, the verified payment substituting request is blocked by a consensus algorithm, so that the payment substituting request is recorded on the block chain;
s4, monitoring and paying instead: the first known system monitors the payment request on the matched block chain link point and sends the payment request to a payment channel; the payment channel processes the payment request and returns a payment result to the prior system; the system returns the payment result to the block chain through the matched block chain link point;
s5, a payment result processing step: after the generation payment result is blocked by a consensus algorithm, the generation payment result is recorded on a block chain and is notified to a merchant system;
and S6, ending the payment of the generation.
2. The method according to claim 1, wherein the block chain processing step S3 specifically is:
s3.1, the receiving node receives the payment-on-behalf request, verifies the payment-on-behalf request, broadcasts the payment-on-behalf request to other nodes of the block chain if the verification is successful, and simultaneously stores the payment-on-behalf request into a transaction pool of the receiving node, and then the step S3.2 is carried out; if the verification fails, directly discarding the payment request, and entering step S6 to end the payment;
s3.2, after receiving the broadcasted payment-on-behalf request, other nodes of the block chain respectively carry out verification, if the verification is successful and the payment-on-behalf request is received for the first time, the payment-on-behalf request is broadcasted, and meanwhile, the payment-on-behalf request is stored in a transaction pool of the current verification node, otherwise, the current verification node directly discards the payment-on-behalf request;
and S3.3, after the preset time, blocking the payment agency request through a consensus algorithm, and recording the block chain.
3. The method according to claim 1 or 2, wherein the step of listening and payment-on-behalf S4 is embodied as:
s4.1, monitoring a payment substitute request on a matched block link point by a pre-known system, verifying the payment substitute request, sending the payment substitute request to a payment channel to enter the step S4.2 if the verification is successful, discarding the payment substitute request if the verification is failed, and entering the step S6 to finish the payment substitute;
s4.2, processing the payment request by the payment channel to generate a payment result;
s4.3, the payment channel sends the result of successful payment by agency to a pre-known system, the pre-known system verifies the result of successful payment by agency, and if the verification is successful, the result of payment by agency is written into the matched block link point; if the verification fails, the payment-by-proxy result is discarded without being recorded, and the process proceeds to step S6.
4. The method according to claim 1, wherein the payment agent result processing step S5 is specifically:
s5.1, the block chain link point matched with the prior known system receives the payment substituting result written by the prior known system, verifies the payment substituting result, if the verification is successful, sends the payment substituting result to other nodes of the block chain, simultaneously stores the payment substituting result into the transaction pool of the block chain link point matched with the prior known system, and enters the step S5.2; if the verification fails, directly discarding the payment result, and entering step S6;
s5.2, after receiving the broadcasted payment-on-behalf result, other nodes respectively carry out verification, if the verification is successful and the payment-on-behalf result is received for the first time, the payment-on-behalf result is broadcasted, and meanwhile, the payment-on-behalf result is stored in a transaction pool of the current verification node; otherwise, the current verification node discards the payment result;
s5.3, after the preset time, recording the payment withholding result on a block chain after the payment withholding result is blocked by a consensus algorithm;
and S5.4, returning the payment substitute result on the block chain to the merchant system by the node which receives the request at the earliest.
5. The method as claimed in claim 4, wherein the payment agent result processing step S5 further comprises: and S5.5, after the merchant system receives the payment substituting result, displaying the payment substituting result.
6. The method according to claim 1, wherein the payment-by-proxy data of failed verification is processed by an error checking and processing system connected to the blockchain, wherein the payment-by-proxy data comprises data of a payment-by-proxy request, a payment-by-proxy result and a settlement result.
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