CN108764872B - Authorized payment method, system, equipment and storage medium - Google Patents
Authorized payment method, system, equipment and storage medium Download PDFInfo
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- CN108764872B CN108764872B CN201810555509.0A CN201810555509A CN108764872B CN 108764872 B CN108764872 B CN 108764872B CN 201810555509 A CN201810555509 A CN 201810555509A CN 108764872 B CN108764872 B CN 108764872B
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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
- G06Q20/04—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
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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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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Abstract
The invention discloses a block chain authorization payment method, a system, equipment and a storage medium, which comprises the steps of receiving first signature information sent by an authorizing party and second signature information sent by an authorized party, and recording the first signature information and the second signature information on a block chain; receiving first authorization request information sent by an authorizer, and recording the authorization request information on a block chain; the first authorization request message comprises a frozen quota of an account of an authorizing party and an authorization request for authorizing the frozen quota to an authorized party to pay; and receiving authorized payment request information sent by an authorized party, and judging whether the authorized payment request information conforms to a set payment rule or not according to the authorized request. The invention can ensure safe transfer and realize the transfer of accounts of other people.
Description
Technical Field
The present invention relates to the field of blockchain, and in particular, to an authorized payment method, system, device, and storage medium.
Background
In the block chain payment process, the private key of the user is generally used for realizing the transfer function from the account of the user, and other people, such as relatives or other people, cannot transfer money from the account address of the user, so that the limitation is caused to the payment to a certain extent, a safe authorization method is needed, and the transfer of the account of the user by other people can be realized while the safe transfer is ensured.
Disclosure of Invention
To achieve the above object, in a first aspect, the present invention provides an authorized payment method, including:
receiving first signature information sent by an authorizer and second signature information sent by an authorized, and recording the first signature information and the second signature information on a block chain;
receiving first authorization request information sent by an authorizer, and recording the authorization request information on a block chain; the first authorization request message comprises a frozen quota of an account of an authorizing party and an authorization request for authorizing the frozen quota to an authorized party to pay;
receiving authorized payment request information sent by an authorized party, and judging whether the authorized payment request information accords with a set payment rule according to the authorized request: if yes, performing authorized payment according to the authorized payment request information.
Further, the first signature information is generated by the authorizer through signature of a first public key address by a first private key held by the authorizer;
the second signature information is generated by the authorized party by signing a second public key address through a second private key held by the authorized party;
the recording the first signature information and the second signature information on the block chain includes:
acquiring a first public key, verifying the first signature information, and recording the first signature information on a block chain when the verification is passed;
and acquiring a second public key, verifying the second signature information, and recording the second signature information on the block chain when the verification is passed.
Further, the first authorization request information is generated by an authorizing party by signing a public key address and a payment rule of the authorized party by using a held first private key;
the recording the first authorization request information on a block chain includes:
and acquiring a first public key to verify the first authorization request information, and recording the first signature information on a block chain when the verification is passed.
Further, the payment rule includes the frozen amount and a validity period of the frozen amount.
Further, in the frozen quota, when the transfer quota is in the valid period, the authorized party can not sign and pay the property of the frozen quota.
Further, receiving binding signature information of the binding of the authorized party account and the guarantor account, and recording the binding signature information on the block chain;
receiving second authorization request information of the guarantee account, and recording the second authorization request information on a blockchain; the second authorization request message enables the authorized party to sign the transfer payment from the guarantee account to other third party accounts or accounts appointed by the third party by using a second private key;
the payment rules further include: and when the frozen limit is insufficient, the guarantor account is used for payment instead.
In a second aspect, the present invention also discloses an authorized payment system, which is characterized by comprising:
the information acquisition unit is used for receiving the signature information of the authorized party and recording the signature information on the block chain;
the authorization binding unit is used for receiving first authorization request information of an authorizing party, wherein the first authorization request information comprises a frozen quota of an account of the authorizing party, an authorized party has the right to use the property with the frozen quota, and the authorization request information is recorded on a block chain;
the information judging unit judges whether the authorized payment request information sent by the authorized party meets the set payment rule: if yes, performing authorized payment according to the authorized payment request information.
Further, the authorization binding unit also receives second authorization request information of the account of the guarantor, so that the authorized party can substitute for transfer from the account of the guarantor when the balance of the frozen amount of the authorizing party is insufficient.
In a third aspect, the present invention also discloses an apparatus, comprising:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method recited in any of claims 1-6.
In a fourth aspect, the invention also discloses a storage medium storing a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 6.
The invention has the beneficial effects that: the legality of the authorization of the user A is proved through the private key signature, and the binding relationship between the user A and other users is recorded through an intelligent contract, so that the authorization work of account transfer is completed, and the other users can transfer the account to other people by using the property in the account of the user A within a certain time limit.
Drawings
FIG. 1 is a flow chart of an embodiment of the present invention.
FIG. 2 is a flow chart of an embodiment of the present invention.
FIG. 3 is a flow chart of an embodiment of the present invention.
FIG. 4 is a flow diagram of a transfer application scenario in accordance with the present invention.
FIG. 5 is a flow chart of another transfer application scenario of the present invention
FIG. 6 is a schematic flow chart of a preferred embodiment of the present invention.
FIG. 7 is a flow chart of another transfer application scenario of the present invention.
Fig. 8 is a schematic diagram of an authorized payment system provided by the present invention.
Fig. 9 is a schematic diagram of an apparatus according to the present invention.
Detailed Description
The present invention will be described in further detail with reference to specific examples. It is to be understood that the specific embodiments described herein are merely illustrative of the relevant invention and not restrictive of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings. Here, user a represents an authorizer and user a1 represents an authorized party.
Referring to fig. 1, in the present embodiment, there is provided an authorized payment method including:
receiving first signature information sent by an authorizer and second signature information sent by an authorized, and recording the first signature information and the second signature information on a block chain;
receiving first authorization request information sent by an authorizer, and recording the authorization request information on a block chain; the first authorization request message comprises a frozen quota of an account of an authorizing party and an authorization request for authorizing the frozen quota to an authorized party to pay;
receiving authorized payment request information sent by an authorized party, and judging whether the authorized payment request information accords with a set payment rule according to the authorized request: if yes, performing authorized payment according to the authorized payment request information.
Specifically, the following practical scenarios are taken as an example for detail explanation:
referring to fig. 2, user a signs the first public key with the first private key and sends it to the intelligent contract, user a1 signs the second public key with the second private key and sends it to the intelligent contract, at this time, the intelligent contract verifies the validity of the "transaction" through the corresponding code, and saves the corresponding public key address, and writes the transaction information into the blockchain.
Referring to fig. 3, a user a signs a second public key address, a frozen amount and a valid period of the user a1 by using a first private key and sends first authorization request information to the intelligent contract, the system only recognizes an authorization request initiated by the user a, and then the intelligent contract recognizes that the user a1 is allowed to transfer property from an account of the user a, wherein the intelligent contract also stores a payment rule set by the user a, the payment rule refers to the frozen amount and the valid period, and the frozen amount and the valid period stored in the intelligent contract are used as judgment bases for transferring accounts of other authorized users later.
Taking fig. 4 as an example of an application scenario, if user a1 wants to transfer n coins to B, user a1 signs the public key of destination address B, the first public key of user a, and the transfer amount n with its second private key, where, since user a has authorized user a1 to initiate a transfer from his account, the first public key of user a is provided to initiate an instruction to transfer from user a, and then the smart contract makes a decision based on the previously saved information: firstly, judging whether n is smaller than the frozen quota, if not, terminating the transaction, and recording the transaction on a block chain, if so, continuously judging whether the n is in the valid period, if not, terminating the transaction, and recording the transaction on the block chain, if so, transferring n coins from the frozen quota of the user A to the user B, and recording the coins on the block chain. The second private key of authorized user a1 may pass coins to not only C, but also C's designated address D within the set payment rules.
Referring to fig. 5, in another application scenario, the user a wants to transfer N coins to the user C, and at this time, the user a is already bound with other users, and the authorized other users can process the coins of the user a, so that the transaction of the user a is determined whether the transaction can be successful, and the specific process is as follows: the user A signs the public key of the target address C and the transfer amount with a first private key of the user A, at the moment, the intelligent contract verifies the validity of the action based on a set payment rule, namely whether the action is initiated by the user A, if the verification is successful, next judgment is continued, whether the transfer time is greater than the previously set validity period or not, if the transfer time does not exceed the set validity period, the transaction is terminated, error information is recorded on a block chain, and if the transfer time is greater than the previously set validity period, the transfer amount is judged: and if the transfer amount N is smaller than the frozen amount, terminating the transaction and recording error information on the block chain, and if the N is smaller than the frozen amount, finishing the transaction, wherein the transfer is successful and the information is recorded on the block chain.
Referring to fig. 6, user a signs a first public key with a first private key, user a1 signs a second public key with a second private key, a guarantor signs a third public key with a third private key, and sends the three signatures to an intelligent contract, user a signs a binding guarantor with the first private key to form a binding relationship, user a signs an authorized user a1 with the first private key, user a1 is allowed to transfer money from a guarantor account, and finally user a1 transfers money with user a's frozen quota or guarantor account according to payment rules. Referring to fig. 7, a user a1 wants to transfer S coins to X, first, the user a1 determines whether payment time is less than validity period after determining that the signature is the user a1 himself/herself, if not, terminates the transaction and records the transaction in a block chain, if yes, it continues to determine whether the transfer amount S is less than a frozen amount, if not, the transaction is terminated and recorded in the block chain, if yes, the transfer amount S is directly transferred to the account address of X from the frozen amount of the user a, and if not, the transfer amount S is transferred to the account address of X through the account of the guarantor and the transaction information is stored in the block chain.
Referring to fig. 8, the present invention provides a block chain authorization payment system, including:
the information acquisition unit is configured to receive first signature information of a user A and second signature information of the user A1, and record the first signature information and the second signature information on a block chain;
the authorization binding unit is configured to receive first authorization request information sent by a user A and second authorization request information sent by a guarantor, wherein the user A1 has the right to use the property with the frozen quota, and enables the authorized party to substitute for a transfer from the account of the guarantor when the balance of the frozen quota of the authorized party is insufficient, and records the authorization request information on a blockchain;
and the information judgment unit is used for judging whether the payment request information sent by the authorized party conforms to the set payment rule so as to determine the payment condition.
Referring to fig. 9, the present invention also provides an apparatus 10 including one or more Central Processing Units (CPUs) 101 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)102 or a program loaded from a storage section 108 into a Random Access Memory (RAM) 103. In the RAMX03, various programs and data necessary for the operation of the apparatus 10 are also stored. CPUX01, ROMX02, and RAMX03 are connected to each other by bus 104. An input/output (I/O) interface 105 is also connected to bus 104.
To the I/O interface 105, AN input section 106 including a keyboard, a mouse, and the like, AN output section 107 including a network interface card such as a Cathode Ray Tube (CRT), a liquid crystal display (L CD), and the like, a speaker, and the like, a storage section 108 including a hard disk, and the like, and a communication section 109 including a network interface card such as a L AN card, a modem, and the like, the communication section 109 performs communication processing via a network such as the internet, a drive 110 is also connected to the I/O interface 105 as necessary, a removable medium 111 such as a magnetic disk, AN optical disk, a magneto-optical disk, a semiconductor memory, and the like is mounted on the drive 110 as necessary, so that a computer program read out therefrom is mounted into the storage section 108 as necessary.
In particular, according to an embodiment of the present disclosure, the asset anti-counterfeiting method described in any of the above embodiments may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing an asset anti-counterfeiting method. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 109, and/or installed from the removable medium 111.
As still another aspect, the present invention also provides a computer-readable storage medium, which may be the computer-readable storage medium included in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the asset anti-counterfeiting methods described herein.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present application may be implemented by software or hardware. The described units or modules may also be provided in a processor, for example, each of the described units may be a software program provided in a computer or a mobile intelligent device, or may be a separately configured hardware device. Wherein the designation of a unit or module does not in some way constitute a limitation of the unit or module itself.
The above description is only a preferred embodiment of the application and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention herein disclosed is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.
Claims (7)
1. An authorized payment method, comprising:
receiving first signature information sent by an authorizer and second signature information sent by an authorized, and recording the first signature information and the second signature information on a block chain;
receiving first authorization request information sent by an authorizer, and recording the authorization request information on a block chain; the first authorization request message comprises a frozen quota of an account of an authorizing party and an authorization request for authorizing the frozen quota to an authorized party to pay;
receiving authorized payment request information sent by an authorized party, and judging whether the authorized payment request information accords with a set payment rule according to the authorized request: if yes, performing authorized payment according to the authorized payment request information;
the first signature information is generated by the authorizer through signature of a first public key address by a first private key; the second signature information is generated by the authorized party by signing a second public key address through a second private key held by the authorized party; the recording the first signature information and the second signature information on the block chain includes:
acquiring a first public key, verifying the first signature information, and recording the first signature information on a block chain when the verification is passed;
and acquiring a second public key, verifying the second signature information, and recording the second signature information on the block chain when the verification is passed.
2. The method of claim 1, wherein the first authorization request message is generated by an authorizer signing a second public key address of the authorizer and a payment rule with a first private key held; the recording the first authorization request information on a block chain includes:
and acquiring a first public key to verify the first authorization request information, and recording the first signature information on a block chain when the verification is passed.
3. The method of claim 2, wherein the payment rules include the frozen amount and an expiration date for the frozen amount.
4. The method of claim 3 wherein an authorized party cannot sign payment for the property on the frozen credit when the transfer credit is within a validity period within the frozen credit.
5. The method of any one of claims 1-4, further comprising:
receiving binding signature information of the binding of an authorized party account and a guarantor account, and recording the binding signature information on a block chain;
receiving second authorization request information of a guarantor, and recording the second authorization request information on a blockchain;
the second authorization request information enables the authorized party to pay accounts of other third parties or accounts designated by the third parties by using a second private key signature transfer from the account of the guarantor;
the payment rules further include: and when the frozen limit is insufficient, the guarantor account is used for payment instead.
6. An apparatus for authorizing a payment, the apparatus comprising:
one or more processors;
memory storing one or more programs that, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-5.
7. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-5.
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| CN201810555509.0A CN108764872B (en) | 2018-06-01 | 2018-06-01 | Authorized payment method, system, equipment and storage medium |
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Families Citing this family (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110020513B (en) * | 2018-11-07 | 2023-08-22 | 创新先进技术有限公司 | Signature recording method, signature verification device and storage medium |
| CN110599186B (en) * | 2019-08-12 | 2023-11-24 | 创新先进技术有限公司 | Resource and asset allocation method, device and equipment |
| CN111091380B (en) * | 2019-10-25 | 2023-05-09 | 趣派(海南)信息科技有限公司 | Block chain asset management method based on friend hidden verification |
| CN110798322B (en) * | 2019-11-15 | 2022-10-28 | 神州融安科技（北京）有限公司 | Operation request method, device, storage medium and processor |
| CN111027973A (en) * | 2019-12-04 | 2020-04-17 | 杭州复杂美科技有限公司 | Transfer certificate authorization submitting method, device and storage medium |
| CN111159694A (en) * | 2019-12-17 | 2020-05-15 | 上海七印信息科技有限公司 | Private use authorization method of block chain digital assets based on zero knowledge proof |
| CN111353780B (en) * | 2020-02-28 | 2023-10-17 | 南方科技大学 | Authorization verification method, device and storage medium |
| CN111881483B (en) * | 2020-08-07 | 2024-02-23 | 广州运通链达金服科技有限公司 | Resource account binding method, device, equipment and medium based on blockchain |
| CN111901359B (en) * | 2020-08-07 | 2023-01-31 | 广州运通链达金服科技有限公司 | Resource account authorization method, device, system, computer equipment and medium |
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