CN112926956A

CN112926956A - Block chain financial payment management method and system

Info

Publication number: CN112926956A
Application number: CN201911236974.9A
Authority: CN
Inventors: 陈沿
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-12-06
Filing date: 2019-12-06
Publication date: 2021-06-08

Abstract

The invention relates to the technical field of block chains, in particular to a block chain financial payment management method and a system, which are characterized by comprising the following steps: identifying a financial change transaction sent by a user; the content of the financial payment transaction comprises an initiator, a user using the financial payment, a third party needing to change the financial payment and a corresponding financial payment value; judging whether an initiator in the financial change transaction has financial change permission; if the initiator has the financial change authority, each financial payment value of the financial payment users needing to be changed is changed into a corresponding changed financial payment value, and the executed financial change transaction is recorded into a block; the method and the system can carry out all-around configuration on the financial payment in the block chain and use external facilities when the corresponding financial change transaction in the block is effective after the consensus is passed.

Description

Block chain financial payment management method and system

Technical Field

The invention relates to the technical field of block chains, in particular to a block chain financial payment management method and system.

Background

The blockchain establishes a corresponding digital identity for each participant through cryptographic means. The digital identity of each participant consists of a pair of asymmetric public and private keys, where the public key can be generated by a private key. The participant signs the information by using the private key and then sends the information to the block chain, the block chain recovers the public key according to the signature, and identifies the participant based on the public key (or the abstract thereof) to further authenticate the operation of the participant.

Public blockchains consume a certain commission, typically tokens in the blockchain, in processing information provided by participants. Only if the participant has a sufficient reserve of tokens can information be posted to the blockchain. However, the above limitations are too simple to accommodate more complex application scenarios. When blockchain technology is applied in a particular industry, its participants are often enterprises, institutions, etc. in the industry. More careful management of financial payments by participants in the blockchain is desirable for security, performance, and the like.

Currently, some financial payment management schemes have been proposed for the above application scenarios. The existing scheme has the following types and defects:

firstly, the control of access to financial payment authority is realized in an isolated mode. Specific implementation methods include, but are not limited to: establishing a virtual private network, wherein participants capable of being connected to nodes in the network have financial payment authority; and establishing a gateway at the periphery of the block chain, connecting the gateway into the block chain network only through the gateway, and performing financial payment authority management at the gateway. The key to such a scheme is that financial payment authority management is undertaken by external facilities, not directly in the blockchain. Applying such schemes entails risks of external facility failures, acts of malignancy, etc., and thus such schemes are mostly used in scenarios where there is a high degree of confidence between participants.

And secondly, performing financial payment authority management by using the intelligent contract. The key to this scheme is a financial payment authority management intelligence contract. The intelligent contract saves identity and authority information, and other intelligent contracts realize the authentication of the authority by calling the interface of the intelligent contract in the executing process. The financial payment information and the authentication logic in the scheme are realized at an intelligent contract level, so that the financial payment authority (such as transaction sending, block chain state obtaining and the like) lower than the intelligent contract level cannot be controlled. Applying such schemes entails risks such as transaction flooding attacks (recording large numbers of useless transactions in the blockchain).

Therefore, how to solve the above problems and implement the comprehensive configuration of financial payments in the blockchain is a technical problem that needs to be solved by those skilled in the art, not only limited to the intelligent contract level, but also without the help of external facilities.

Based on the above, the invention designs a block chain financial payment management method and system to solve the above problems.

Disclosure of Invention

In order to achieve the purpose, the invention provides the following technical scheme:

a blockchain financial payment management method and system, the method comprising: identifying a financial change transaction sent by a user; wherein, the content of the financial payment transaction comprises an initiator, a user using the financial payment, a third party needing to change the financial payment and a corresponding financial payment value; determining whether the initiator in the financial change transaction has financial change privileges; if the initiator has financial change authority, each financial payment value of the financial payment users needing to be changed is changed into a corresponding changed financial payment value, and the executed financial change transaction is recorded into a block; and performing consensus on the transactions in the blocks, and enabling the corresponding financial change transactions in the blocks to be effective after the consensus passes.

Further, said determining whether said originator in said financial change transaction has a financial change financial comprises: acquiring a latest block from a block chain, and acquiring check information from the latest block as a root of an MPT tree; constructing an MPT tree by using the root of the MPT tree, and acquiring financial payment information corresponding to the initiator from the MPT tree; and judging whether the initiator in the financial change transaction has financial change permission or not according to the financial payment information.

Further, said determining whether said originator in said financial change transaction has financial change privileges includes: calling an intelligent contract interface to acquire financial payment information corresponding to the initiator from a database; and judging whether the initiator in the financial change transaction has financial change permission or not according to the financial payment information.

Further, consensus on the transaction in the block that the corresponding financial change transaction in the block is validated after the consensus passes includes: when the block is received, extracting all transactions in the block; constructing a temporary block on the basis of the received parent block of the block, and sequentially executing each transaction in the temporary block; after all the transactions are executed, judging whether the authority verification information in the temporary block is consistent with the received authority verification information in the block; and if the financial change transaction is consistent with the financial change transaction in the block, the transaction in the block is verified to be passed, consensus is carried out, and when the consensus is passed, the corresponding financial change transaction in the block is validated.

Further, the identifying the financial change transaction sent by the user includes: receiving a transaction sent by a user; judging whether the transaction has a financial change transaction setting identifier; if so, determining that the transaction is a financial change transaction.

Further, financial conservation in blockchain includes: processing each authority information by using a data summary algorithm to generate verification information corresponding to each authority information; and adding a key field of the check information in the block structure for recording the authority information corresponding to each block.

Further, an identification module for identifying a financial change transaction sent by a user; the content of the financial change transaction comprises an initiator, a user with a change authority, a third party needing to change financial payment and a corresponding change authority value; a determination module for determining whether the initiator in the financial change transaction has financial change privileges; the financial change execution module is used for modifying the authority value of each authority to be changed of the authority change user into the corresponding change authority value if the initiator has the financial change authority value, and recording the executed financial change transaction into a block; and the consensus module is used for performing consensus on the transaction in the block, and when the consensus passes, the corresponding financial change transaction in the block takes effect.

Further, the determining module includes: the permission reading unit is used for acquiring the latest block from the block chain; a check information obtaining unit, configured to obtain check information from the latest block as a root of the MPT tree; a first permission information obtaining unit, configured to construct an MPT tree by using a root of the MPT tree, and obtain permission information corresponding to the initiator from the MPT tree; a first judging unit, configured to judge whether the initiator in the financial change transaction has a financial change permission according to the permission information.

Further, the determining module includes: the second permission information acquisition unit is used for calling an intelligent contract interface to acquire permission information corresponding to the initiator from a database; and the second judging unit is used for judging whether the initiator in the financial change transaction has the financial change authority or not according to the authority information.

Compared with the prior art, the block chain financial payment management method and the system have the beneficial effects that:

the operation of the invention on financial payment each time needs the whole network to achieve common identification to be effective. Each operation is packed and recorded in the block chain, so that audit is facilitated. Because the depth is integrated in the block chain, the financial payment in the block chain can be configured in all directions in the implementation process, and the configuration is not limited to the intelligent contract level and does not need to be assisted by external facilities.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flowchart of a block chain financial payment management method according to an embodiment of the present invention;

fig. 2 is a block diagram of a block chain privilege payment management system according to an embodiment of the present invention.

Detailed Description

The core of the invention is to provide a block chain financial payment management method and a system, the financial payment management is directly carried out in the block chain without external facilities, and is deeply integrated into the block chain, so that the block chain can be subjected to all-round financial payment control, the financial change needs to be identified through the whole network and recorded in the block chain, the change record can not be falsified, and audit is facilitated.

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Referring to fig. 1, fig. 1 is a flowchart illustrating a method for managing block chain financial payments according to an embodiment of the present invention; the method can comprise the following steps: s100, identifying financial change transactions sent by a user; the content of the financial change transaction comprises an initiator, a financial user to be changed, finance to be changed and a corresponding financial value to be changed.

Since the block chain financial payment management method provided by the embodiment requires deep integration into the block chain, the block chain can be subjected to comprehensive financial payment control, so as to overcome the problem that in the prior art, only block chain financial payment management (i.e. control over permissions lower than the intelligent contract level, such as sending transactions, acquiring the state of the block chain, and the like) can be realized at the intelligent contract level or external facilities are relied on. Therefore, the embodiment adds a new transaction type, namely financial change transaction, in the blockchain, and corresponds to the operation of financial payment. Whenever a financial change request is received by the blockchain, a corresponding financial change transaction is generated. The finance is carried out.

The change transaction may be similar to a normal transaction, with a history of changes to the upcoming payment information being recorded in the blockchain after execution for auditing. Meanwhile, a Receipt (accept) can be generated like a common transaction, so that the user can determine whether the financial change transaction is successful according to the Receipt, namely the Receipt can enable the user to know the execution condition of the financial change transaction in time. The operation of changing financial payment information through financial change transaction in the embodiment includes: add, delete, modify, etc. The rights involved in the embodiments may include financial payment management, contract deployment, and general transaction delivery, and are not limited to the three, and may even include complex rights with restrictions (e.g., expiration dates).

Further, the present embodiment does not limit the manner of sending the financial change transaction to the blockchain, and for example, the financial change transaction may be sent through an external call interface or sent through an intelligent contract interface. Specifically, the user may manipulate the financial payment information by invoking the external interface. Or the user calls the intelligent contract interface to enable the intelligent contract to operate the financial payment information by the intelligent contract virtual machine in the executing process. By means of the intelligent contract interface, automatic configuration of financial payment by means of intelligent contracts can be achieved. Of course, if no automatic configuration is needed, an intelligent contract interface with the function may not be provided. Other intelligent contracts on the block chain can be directly changed and financial payment information can be directly obtained through message calling among the contracts. The access interface of the external user may be JSONRPC. The following takes the JSONRPC interface as an example to illustrate a specific form of the financial change transaction request.

JSONRPC interface request example:

{"jsonrpc":"2.0","method":"get_permission","params":["0x1234567890123456789012345678901234567890"],"id":1}

JSONRPC interface response example:

{"jsonrpc":"2.0","id":1,"result":{"change_permission":false,"deploy_contract":true,"send_transaction":false}}

since the financial change transaction is similar to other common transactions, it is desirable to enable the blockchain to identify the entitlement change transaction. The present embodiment does not limit a specific identification method. For example, the financial change transaction may be distinguished from the normal transaction by adding a special identifier to the financial change transaction, or may be distinguished from the normal transaction by transmitting unique identification information such as an address of a specific interface corresponding to the financial change transaction. The embodiment does not limit the type and form of the identifier, and the identifier may have a unique correspondence relationship with the financial change transaction. That is, optionally, identifying the financial change transaction sent by the user may include; receiving a transaction sent by a user; judging whether the transaction has a financial change transaction setting identifier; if so, the transaction is determined to be a financial change transaction.

Specifically, the present embodiment does not limit the form of the financial change transaction setting flag. For example, a special identification bit can be added in the transaction; or according to the address of the invoked smart contract, etc. For example, the user may send the transaction directly, invoking an interface in a financial payment intelligence contract. Whether the transaction is a financial change transaction may be distinguished based on the address from which the contract was invoked. Or the user sends a financial change transaction to the blockchain, the transaction having a particular identification so that the blockchain can recognize that the transaction's operation is a financial change.

In the present embodiment, the content and the content format included in the financial change transaction are not limited, and the user can set the content according to the actual situation. But the financial change transaction needs to include at least the initiator of the financial change transaction, the user of the change authority (i.e. the user to be changed, which may be represented using an external account address), the financial to be changed (i.e. the item of authority to be changed, such as a deployment contract, a send transaction, etc.), the value of the change financial (i.e. the value of the authority to be changed, which may be represented, for example, by True or False).

S110, judging whether the initiator in the financial change transaction has financial change finances.

Specifically, steps S110 and S120 are specific implementations of the financial change transaction. Step S110 is mainly to determine whether the initiator of the financial change transaction is legal, that is, whether the initiator has the right to perform the operation of changing and modifying the block chain finance. The specific change operation is performed only if the financial change transaction initiator is legitimate. When the financial change transaction initiator is illegal, the financial change transaction fails. The present embodiment does not limit the specific determination process, which is related to the form of saving the financial payment information and the like. I.e. how the permissions are preserved in an application scenario like blockchain, e.g. how a permission table is maintained. In order to further ensure the reliability of financial payment management, the change records of the financial payment information can be protected by a cryptographic means and cannot be tampered. And also facilitates auditing. Financial payment information is stored, for example, using a cryptographically verifiable data structure. The data structure provides verification information in addition to the original data. The verification information has the following characteristics:

firstly, the method comprises the following steps: the same original data has the same verification information.

Secondly, the method comprises the following steps: it is difficult to construct the original data matching the verification information based on the verification information.

Wherein the information field is typically generated using a digest algorithm in cryptography. The check information of the financial payment information is included in the block structure as a key field. The significance of the key fields is: this field is encoded into the chunk data and used to generate the hash of the chunk. Through the design, the change of the financial payment information can cause the change of the verification information of the financial payment information, and the change of the verification information can cause the change of the block data and the hash of the block data. Therefore, whether the financial payment information is correct or not can be quickly checked through the block hash, so that the financial payment information is difficult to tamper. Any method that can cause a deterministic change to the chunk hash, such as by Trie, can be used. Preferably, the manner of saving the permissions in the blockchain may include: processing each piece of financial payment information by using a data abstract algorithm to generate verification information corresponding to each piece of financial payment information; and adding a key field of the checking information in the block structure for recording financial payment information corresponding to each block. Thus, a change in the corresponding parity information (i.e., the data of the key field corresponding to the block) in each block will result in a change in the data of the block and its hash. Therefore, whether the financial payment information is correct or not can be quickly checked through the block hash, so that the financial payment information is difficult to change. An alternative embodiment is listed below.

Determining whether the initiator in the financial change transaction has a financial change finance may include: acquiring a latest block from a block chain, and acquiring check information from the latest block as a root of an MPT tree; constructing an MPT tree by using the root of the MPT tree, and acquiring financial payment information corresponding to an initiator from the MPT tree; determining whether the initiator in the financial change transaction has a financial change financial based on the financial payment information. The financial payment information corresponding to the judging mode can be stored in the following form: the authority data is saved by using an MPT (media Patricia Trie) tree, and the hash of the root node of the tree is used as the check information of the authority data. A block field (e.g., permissions field) is newly added in the block structure for storing the verification information of the permission data. The structure of the rights data may be a user-based list, a group-based list, etc., without limitation. The related rights may be configured according to the characteristics of the blockchain, such as sending a transaction, deploying a contract, invoking a read-only interface, and the like, and are not limited specifically. At this time, according to the characteristics of the block chain, the financial payment information in a certain block can be obtained, and the specific steps are as follows:

1. the specified chunk is obtained from the database (the specified chunk may be determined from the chunk number or the chunk hash, where the specified chunk may be the newest chunk).

2. The values of the properties fields are obtained from the block key fields.

3. A Merkle Patricia Trie tree is constructed based on the values of properties.

4. And acquiring financial payment information corresponding to the initiator from the Merkle Patriceite tree.

Claims

1. A blockchain financial payment management method and system, the method comprising: identifying a financial change transaction sent by a user; wherein, the content of the financial payment transaction comprises an initiator, a user using the financial payment, a third party needing to change the financial payment and a corresponding financial payment value; determining whether the initiator in the financial change transaction has financial change privileges; if the initiator has financial change authority, each financial payment value of the financial payment users needing to be changed is changed into a corresponding changed financial payment value, and the executed financial change transaction is recorded into a block; and performing consensus on the transactions in the blocks, and enabling the corresponding financial change transactions in the blocks to be effective after the consensus passes.

2. The blockchain financial payment management method and system of claim 1 wherein: said determining whether said originator in said financial change transaction has a financial change financial comprises: acquiring a latest block from a block chain, and acquiring check information from the latest block as a root of an MPT tree; constructing an MPT tree by using the root of the MPT tree, and acquiring financial payment information corresponding to the initiator from the MPT tree; and judging whether the initiator in the financial change transaction has financial change permission or not according to the financial payment information.

3. The blockchain financial payment management method and system of claim 1 wherein: said determining whether said initiator in said financial change transaction has financial change privileges comprising: calling an intelligent contract interface to acquire financial payment information corresponding to the initiator from a database; and judging whether the initiator in the financial change transaction has financial change permission or not according to the financial payment information.

4. The blockchain financial payment management method and system of claim 1 wherein: consensus on the transactions in the block, the corresponding financial change transaction in the block being validated when the consensus passes, comprising: when the block is received, extracting all transactions in the block; constructing a temporary block on the basis of the received parent block of the block, and sequentially executing each transaction in the temporary block; after all the transactions are executed, judging whether the authority verification information in the temporary block is consistent with the received authority verification information in the block; and if the financial change transaction is consistent with the financial change transaction in the block, the transaction in the block is verified to be passed, consensus is carried out, and when the consensus is passed, the corresponding financial change transaction in the block is validated.

5. The blockchain financial payment management method and system of claim 1 wherein: the identifying a financial change transaction sent by a user includes: receiving a transaction sent by a user; judging whether the transaction has a financial change transaction setting identifier; if so, determining that the transaction is a financial change transaction.

6. The blockchain financial payment management method and system of claim 1 wherein: the financial conservation mode in the block chain comprises the following steps: processing each authority information by using a data summary algorithm to generate verification information corresponding to each authority information; and adding a key field of the check information in the block structure for recording the authority information corresponding to each block.

7. The blockchain financial payment management method and system of claim 1 wherein: an identification module for identifying a financial change transaction sent by a user; the content of the financial change transaction comprises an initiator, a user with a change authority, a third party needing to change financial payment and a corresponding change authority value; a determination module for determining whether the initiator in the financial change transaction has financial change privileges; the financial change execution module is used for modifying the authority value of each authority to be changed of the authority change user into the corresponding change authority value if the initiator has the financial change authority value, and recording the executed financial change transaction into a block; and the consensus module is used for performing consensus on the transaction in the block, and when the consensus passes, the corresponding financial change transaction in the block takes effect.

8. The blockchain financial payment management method and system of claim 7 wherein: the judging module comprises: the permission reading unit is used for acquiring the latest block from the block chain; a check information obtaining unit, configured to obtain check information from the latest block as a root of the MPT tree; a first permission information obtaining unit, configured to construct an MPT tree by using a root of the MPT tree, and obtain permission information corresponding to the initiator from the MPT tree; a first judging unit, configured to judge whether the initiator in the financial change transaction has a financial change permission according to the permission information.

9. The blockchain financial payment management method and system of claim 7 wherein: the judging module comprises: the second permission information acquisition unit is used for calling an intelligent contract interface to acquire permission information corresponding to the initiator from a database; and the second judging unit is used for judging whether the initiator in the financial change transaction has the financial change authority or not according to the authority information.