CN112000963A - Transaction privacy information verification method and verification system based on block chain - Google Patents
Transaction privacy information verification method and verification system based on block chain Download PDFInfo
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Abstract
The invention provides a transaction privacy information verification method and a verification system based on a block chain. The invention deploys a credit investigation service intelligent contract on a blockchain system constructed by an equipment end of a monitoring party and an equipment end of at least one credit investigation service party, and provides a credible random number and a chain running environment of the credit investigation service for a privacy information verification process of the whole transaction service through the blockchain. The random number can participate in the verification link of the verification process, so that the purpose of avoiding privacy disclosure risks is achieved.
Description
Technical Field
The invention relates to the technical field of financial transaction privacy protection, in particular to a transaction privacy information verification method and a verification system based on a block chain.
Background
With the increasing maturity of relevant regulatory regulations such as transaction data and user personal data privacy, the protection of user privacy in business becomes more and more a hard compliance requirement for related financial business. In the conventional personal financial business, the personal background audit required by the user transaction behavior (such as loan application, account opening and other businesses) of the user at the merchant can be generally completed by multiple channels provided by credit institutions.
The credit investigation institution can be used for reporting the credit by: 1. the user background is checked by the own data source; 2. and providing a verification channel through a data partner to finish the background verification of the user transaction. The intervention of the credit investigation institution provides a third-party guarantee for the transaction behavior between the user and the commercial tenant, but at the same time, the transaction behavior is inevitably released to the credit investigation institution, and violation risks are brought to the personal privacy of the user and the privacy of the commercial tenant. Meanwhile, due to benefit driving, the cooperative organization can also collect a large amount of gray data through technologies such as big data and crawlers or business means such as 'black market transaction', so that illegal data transaction events are increasingly frequent, the rights and interests of individual users and merchants are seriously influenced, and great financial risks are brought.
The conventional transaction background verification service flow is described in fig. 1. The merchant needs to transmit the personal and transaction privacy data of the user to the credit investigation institution, and the credit investigation institution caches the required data and forwards the data to the partner for verification, thereby causing privacy disclosure risks.
Disclosure of Invention
In view of the above-mentioned shortcomings in the prior art, it is an object of the present invention to provide a block chain based transaction privacy information verification method and verification system, which are used to solve the above shortcomings in the prior art.
To achieve the above and other related objects, the present invention provides a transaction privacy information verification method based on a blockchain, including: when a merchant and a user carry out a transaction and need to check the privacy information of the user, the equipment end of the merchant initiates a verification request to a credit investigation service intelligent contract of a block chain; the credit investigation service intelligent contract generates a random number to return to the equipment end of the merchant when receiving the verification request; the equipment end of the merchant acquires the key data of the user, carries out encryption operation on the key data and the random number, and sends a first encryption calculation result to the credit investigation service intelligent contract; the credit investigation service intelligent contract receives and stores the first encryption calculation result and sends a consultation request and the random number to a device end of a data partner; the equipment end of the data partner analyzes the consultation request, searches corresponding key data, performs encryption operation on the key data and the random number, and sends a second encryption calculation result to the credit investigation service intelligent contract; the credit investigation service intelligent contract receives the second encryption calculation result and compares the second encryption calculation result with the first encryption calculation result; if the comparison result is consistent, sending a result of passing the user identity verification to the equipment terminal of the merchant; otherwise, sending the result that the user identity verification fails to pass to the equipment end of the merchant; and the equipment terminal of the merchant receives the result sent by the credit investigation service intelligent contract so as to determine to continue executing or terminate the current transaction.
In an embodiment of the present invention, the credit investigation service intelligent contract is deployed in a blockchain system constructed by an equipment end of a supervisor and an equipment end of at least one credit investigation service party, where the equipment end of the supervisor and the equipment end of the at least one credit investigation service party are respectively a node of the blockchain system.
In an embodiment of the present invention, the credit investigation service intelligent contract returns a result of whether the user identity verification passes or not to the merchant in the form of an identifier.
In an embodiment of the present invention, the identifier is 0 or 1; wherein 0 represents that the user identity verification fails, and 1 represents that the user identity verification passes.
In an embodiment of the present invention, the encryption operation is a hash operation.
To achieve the above and other related objects, the present invention provides a transaction privacy information verification system based on a blockchain, including: the system comprises a device end of a merchant, a credit investigation service intelligent contract of a block chain and a device end of a data partner; when a merchant and a user perform a transaction and need to check the privacy information of the user, the equipment end of the merchant initiates a check request to a credit investigation service intelligent contract of a block chain; the credit investigation service intelligent contract generates a random number to return to the equipment end of the merchant when receiving the verification request; the equipment end of the merchant acquires the key data of the user, carries out encryption operation on the key data and the random number, and sends a first encryption calculation result to the credit investigation service intelligent contract; the credit investigation service intelligent contract receives and stores the first encryption calculation result and sends a consultation request and the random number to a device end of a data partner; the equipment end of the data partner analyzes the consultation request, searches corresponding key data, performs encryption operation on the key data and the random number, and sends a second encryption calculation result to the credit investigation service intelligent contract; the credit investigation service intelligent contract receives the second encryption calculation result and compares the second encryption calculation result with the first encryption calculation result; if the comparison result is consistent, sending a result of passing the user identity verification to the equipment terminal of the merchant; otherwise, sending the result that the user identity verification fails to pass to the equipment end of the merchant; and the equipment terminal of the merchant receives the result sent by the credit investigation service intelligent contract so as to determine to continue executing or terminate the current transaction.
In an embodiment of the present invention, the credit investigation service intelligent contract is deployed in a blockchain system constructed by an equipment end of a supervisor and an equipment end of at least one credit investigation service party, where the equipment end of the supervisor and the equipment end of the at least one credit investigation service party are respectively a node of the blockchain system.
In an embodiment of the present invention, the credit investigation service intelligent contract returns a result of whether the user identity verification passes or not to the merchant in the form of an identifier.
In an embodiment of the present invention, the identifier is 0 or 1; wherein 0 represents that the user identity verification fails, and 1 represents that the user identity verification passes.
In an embodiment of the present invention, the encryption operation is a hash operation.
As described above, the transaction privacy information verification method and verification system based on the block chain of the present invention have the following beneficial effects:
1) privacy compliance: in the scheme, the credit investigation mechanism and the chain block chain system maintained by the credit investigation mechanism do not need to store user sensitive data information, so that privacy violation risks related to user sensitive data acquisition, use and storage can be avoided;
2) and (3) service stabilization: the traditional credit investigation service is respectively provided by independent credit investigation mechanisms, and the problems of unavailable service, data leakage and the like caused by service attack or system failure exist. The credit investigation service is established by a distributed-based block chain intelligent contract, so that the credit investigation service can inherit the advantages of block chains such as high availability, credible logic execution process, non-falsification of data, traceable service, single-point fault attack prevention and the like;
3) the cost is low: the credit investigation organization adopts a commonly maintained block chain system, so that repeated construction can be avoided, and the problems of multi-data source collection, credit investigation data repetition, data contradiction, large quality difference and the like in the traditional independent credit investigation service can be avoided. The credit investigation service is integrated to the same platform, so that the overall industry cost can be saved.
4) Supervision is controllable: a supervision mechanism can perform penetrating real-time monitoring on credit investigation related services through a block chain system, so that controllable supervision is realized, and the industry compliance is promoted;
5) and (3) system expansibility: block chaining of credit investigation service is convenient for merchants, data cooperators and supervisors to access the system from different nodes. Meanwhile, the scalability of the system can be ensured, the number of nodes can be flexibly increased or decreased according to the service requirement, credit investigation enterprises can join the system by deploying block chain node modes, and the service can be quitted by closing the node modes. The commercial tenant and the data partner access the credit investigation service system through the block chain node. As massive merchants and data partners do not need to build block chain nodes, the service performance of the block chain can be prevented from being reduced along with the massive increase of the nodes.
Drawings
Fig. 1 is a flow chart illustrating verification of private information of a user in a conventional transaction according to the prior art.
Fig. 2 is a schematic view illustrating an application scenario of the transaction privacy information verification method based on the blockchain in an embodiment of the present invention.
FIG. 3 is a block diagram illustrating an overall deployment of the blockchain system according to an embodiment of the present invention.
Fig. 4 is a flowchart illustrating a method for verifying transaction privacy information based on a blockchain according to an embodiment of the invention.
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the drawings only show the components related to the present invention rather than the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
The invention provides a user privacy information verification method based on a block chain aiming at the privacy violation problem widely existing in credit investigation service data sharing in the credit investigation industry, which can ensure that: 1. the credit investigation institution does not need to store/cache transaction data; 2. the data partner does not need to output user sensitive data; 3. the merchant provides privacy compliance and highly available user background verification capability for the merchant without outputting personal privacy data of the transaction user. The credit investigation service of the invention is carried by the intelligent contract of the block chain maintained by multiple parties, and can provide a real-time supervision entrance for the supervision party, thereby ensuring the comprehensive compliance of the service. After the system is comprehensively deployed, credit investigation business can be realized under the condition that the privacy of a user is not damaged, meanwhile, sensitive data circulation can be greatly reduced, data black production is struck, and financial risks caused by excessive privacy violation are reduced.
Fig. 2 is a schematic view illustrating an application scenario of the transaction privacy information verification method based on the blockchain in an embodiment of the present invention. The scenario of this embodiment is where a banking institution assesses a background check on a customer before the customer is credited. The equipment ends of a plurality of credit investigation companies and the equipment end of a credit investigation supervision department together construct a credit investigation service blockchain system (the equipment end of a supervision party and the equipment end of a credit investigation service party are respectively one node of the blockchain system), and maintain the whole nodes of the blockchain respectively. In order to avoid the credit investigation institution from directly contacting with the private data of the user, the invention makes an intelligent contract of credit investigation business under supervision of a supervision department in advance and deploys the contract to a block chain system, as shown in fig. 3, a specific deployment scheme is as follows: the block chain of the credit investigation institution can be deployed by a single institution in a self-distributed manner, or maintained by a plurality of credit investigation institutions and supervisors together, and the credit investigation service is realized by intelligent contracts on the block chain. In fig. 3, the blockchain nexus network is commonly maintained by multiple credit providers and regulatory bodies. The customer and the merchant have a transaction, the merchant optionally initiates an verification service request to a certain node of the blockchain network, the data partner provides verification service triggered by data to the blockchain network, and the data partner autonomously selects to interact with the certain node in the blockchain system.
It should be noted that each block in the blockchain data structure of fig. 2 represents transaction information (such as transaction content, transaction result, etc.) sent and processed in each time window.
The customer bank executes a customer background check request to the deployed blockchain intelligent contract through the credit investigation company node interface before lending to the customer. The flow of verification of privacy information for a personal loan application (transaction) initiated by a customer bank (merchant) is shown in fig. 4. The supervising organization has block chain full nodes and supervising entries, has full data of transaction on the chain, and can monitor the actions of all parties of the transaction in real time in the whole process.
The block chain-based privacy information verification method of the embodiment is specifically implemented as follows:
when a merchant and a user execute a transaction (for example, an internet financial service provider puts credit for a new loan application client), the merchant needs to check the privacy information of the user such as the past credit record or personal background and the like. At this time, the device side of the merchant initiates a check request to the credit investigation service intelligent contract on the block chain provided by the credit investigation institution, and the check request is identified by ReqCli _ i.
It should be noted that the block chain-based transaction privacy information verification method of the present invention is applied to internet financial service, including but not limited to credit investigation, loan, payment, wind control, etc.
And secondly, the credit investigation service intelligent contract receives the checking request ReqCLi _ i, generates a triggering random number R _ i and returns the R _ i to the equipment end of the merchant.
The device side of the merchant analyzes the current transaction behavior data Tx _ i, and extracts key data D _ i of the user to be verified, including but not limited to user identity elements and other key information, such as D _ i: { user name, identification card number, bank card number, mobile phone number, transaction order number, merchant identification code, etc. }. And the equipment end of the merchant calculates V _ i as Hash (D _ i, R _ i), and sends V _ i to the credit investigation service intelligent contract.
It should be noted that the encryption operation in this embodiment is preferably a hash operation, but the present invention is not limited thereto, and a security algorithm such as a digest algorithm, sha2, and sha3 series may also be used.
And fourthly, the credit investigation service intelligent contract receives and stores the V _ i and submits the value of the consultation request ReqCom _ i and the R _ i to the equipment end of the data partner.
And analyzing the ReqCom _ i by the equipment end of the data partner, inquiring the required verification user data D '_ i from the local database, locally calculating V' _ i as Hash (D '_ i, R _ i), and returning V' _ i to the intelligent contract.
It should be noted that the local database of the data partner stores as much user-critical data as legally available. And when the data collaborators collaborate, the user identity element information contained in the ReqCom _ i is analyzed. Here, the user identity element information is composed of some data extracted from the user key data D _ i, such as three identity elements: the name, the identification card number and the bank card number are transmitted in an encrypted state, and privacy data can be guaranteed not to be reserved in a credit investigation organization due to the constraint of credit investigation intelligent contracts on block chains and can be automatically transmitted to a device end of a data partner. The equipment side of the data partner can inquire whether the inquired person has loan default or other bad credit records in the local database by extracting partial key element information, such as one of three identity elements.
Sixthly, the credit investigation intelligent contract receives the V '_ i and compares the V' _ i with the V _ i returned by the equipment end of the merchant. If V _ i is V' _ i, returning Ret to 1, otherwise, returning Ret to 0. Wherein, 0 represents that the user identity verification fails, and 1 represents that the user identity verification passes.
And the equipment terminal of the merchant judges whether the user identity check passes according to the Ret value and determines to continue executing or terminate the transaction. If the user identity examination is passed, the user decides to continue to execute the transaction, otherwise, the transaction is terminated.
It should be noted that the present invention does not limit the credit investigation intelligent contract to send the verification result to the device side of the merchant in the form of 0 or 1 identifier, and those skilled in the art may design other forms according to the actual situation.
It should be noted that the device end of the merchant refers to a background server end of the merchant, such as a physical server and a cloud server, and the device end of the data partner refers to a background server end of the merchant, such as a physical server and a cloud server.
For ease of understanding, the symbols in the foregoing flow chart are further described below.
TABLE 1 description of identifiers
In addition, the invention also provides a transaction privacy information verification system based on the block chain, which comprises: the system comprises a device end of a merchant, a credit investigation service intelligent contract of a block chain and a device end of a data partner. Since the technical principle of the present embodiment is the same as that of the foregoing method embodiment, the detailed description is not repeated herein.
In summary, the transaction privacy information verification method and verification system based on the block chain of the invention deploy the intelligent contract of credit investigation service on the block chain system constructed by the equipment end of the supervisor and the equipment end of at least one credit investigation service party, and provide the credible random number and the chain running environment of the credit investigation service for the privacy information verification process of the whole transaction service through the block chain, and the random number can participate in the verification link of the verification process, thereby achieving the purpose of avoiding privacy disclosure risks, effectively overcoming various defects in the prior art and having high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. A transaction privacy information verification method based on a block chain is characterized by comprising the following steps:
when a merchant and a user carry out a transaction and need to check the privacy information of the user, the equipment end of the merchant initiates a verification request to a credit investigation service intelligent contract of a block chain;
the credit investigation service intelligent contract generates a random number to return to the equipment end of the merchant when receiving the verification request;
the equipment end of the merchant acquires the key data of the user, carries out encryption operation on the key data and the random number, and sends a first encryption calculation result to the credit investigation service intelligent contract;
the credit investigation service intelligent contract receives and stores the first encryption calculation result and sends a consultation request and the random number to a device end of a data partner;
the equipment end of the data partner analyzes the consultation request, searches corresponding key data, performs encryption operation on the key data and the random number, and sends a second encryption calculation result to the credit investigation service intelligent contract;
the credit investigation service intelligent contract receives the second encryption calculation result and compares the second encryption calculation result with the first encryption calculation result; if the comparison result is consistent, sending a result of passing the user identity verification to the equipment terminal of the merchant; otherwise, sending the result that the user identity verification fails to pass to the equipment end of the merchant;
and the equipment terminal of the merchant receives the result sent by the credit investigation service intelligent contract so as to determine to continue executing or terminate the current transaction.
2. The method according to claim 1, wherein the credit investigation service intelligent contract is deployed in a blockchain system constructed by a device side of a supervisor and a device side of at least one credit investigation service party, and the device side of the supervisor and the device side of the at least one credit investigation service party are respectively a node of the blockchain system.
3. The method of claim 1, wherein the credit investigation service intelligent contract returns the result of whether the user identity check is passed or not to the merchant in the form of identification.
4. The method of claim 3, wherein the flag is 0 or 1; wherein 0 represents that the user identity verification fails, and 1 represents that the user identity verification passes.
5. The method of claim 1, wherein the encryption operation is a hash operation.
6. A blockchain-based transaction privacy information verification system, comprising: the system comprises a device end of a merchant, a credit investigation service intelligent contract of a block chain and a device end of a data partner; wherein,
when a merchant and a user carry out a transaction and need to check the privacy information of the user, the equipment end of the merchant initiates a verification request to a credit investigation service intelligent contract of a block chain;
the credit investigation service intelligent contract generates a random number to return to the equipment end of the merchant when receiving the verification request;
the equipment end of the merchant acquires the key data of the user, carries out encryption operation on the key data and the random number, and sends a first encryption calculation result to the credit investigation service intelligent contract;
the credit investigation service intelligent contract receives and stores the first encryption calculation result and sends a consultation request and the random number to a device end of a data partner;
the equipment end of the data partner analyzes the consultation request, searches corresponding key data, performs encryption operation on the key data and the random number, and sends a second encryption calculation result to the credit investigation service intelligent contract;
the credit investigation service intelligent contract receives the second encryption calculation result and compares the second encryption calculation result with the first encryption calculation result; if the comparison result is consistent, sending a result of passing the user identity verification to the equipment terminal of the merchant; otherwise, sending the result that the user identity verification fails to pass to the equipment end of the merchant;
and the equipment terminal of the merchant receives the result sent by the credit investigation service intelligent contract so as to determine to continue executing or terminate the current transaction.
7. The system according to claim 6, wherein the credit investigation service intelligent contract is deployed in a blockchain system constructed by a device side of a supervisor and a device side of at least one credit investigation service party, and the device side of the supervisor and the device side of the at least one credit investigation service party are respectively a node of the blockchain system.
8. The system of claim 6, wherein the credit investigation service intelligent contract returns the result of whether the user identity check is passed or not to the merchant in the form of identification.
9. The system of claim 8, wherein the identifier is 0 or 1; wherein 0 represents that the user identity verification fails, and 1 represents that the user identity verification passes.
10. The system of claim 6, wherein the encryption operation employs a hash operation.
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| CN113986997A (en) * | 2021-09-10 | 2022-01-28 | 支付宝(杭州)信息技术有限公司 | Service collaborative investigation method and system based on block chain |
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