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A payment account secure transaction method and system based on block chain

A technology for payment accounts and secure transactions, applied in payment systems, payment system structures, instruments, etc., can solve problems such as the lack of user credit rating evaluation systems, and achieve the effect of improving security

Inactive Publication Date: 2018-12-11
HENGBAO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing blockchain-based payment account transaction management methods lack an effective user credit rating evaluation system

Method used

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  • A payment account secure transaction method and system based on block chain
  • A payment account secure transaction method and system based on block chain

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] figure 1 It shows a flow chart of a block chain-based payment account security transaction method of the present invention, which specifically includes the following steps:

[0029] Step S1: Payment account registration application, the user creates a virtual account according to the registration request, completes personal information, and generates personal virtual account information after completing the registration;

[0030] Step S2: Transaction request, the user initiates a transaction request through a personal virtual account, and the authentication node verifies the user information through feature extraction, and sends the transaction request to the transaction block chain processing node after the verification is passed; the transaction request specifically includes the transaction amount , transaction object and transaction object;

[0031] Step S3: transaction block chain processing, the transaction block chain processing node completes the account transac...

Embodiment 2

[0038] figure 2 It shows a block diagram of a block chain-based payment account security transaction system of the present invention, which specifically includes the following modules:

[0039] Payment account registration application module 101, the user creates a virtual account according to the registration request, completes personal information, and generates personal virtual account information after completing the registration;

[0040] Transaction request module 102, the user initiates a transaction request through a personal virtual account, and at the same time the authentication node verifies the user information through feature extraction, and sends the transaction request to the transaction block chain processing node after the verification is passed; the transaction request specifically includes the transaction amount, The subject matter of the transaction and the object of the transaction;

[0041] The transaction block chain processing module 103, the transac...

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Abstract

The invention provides a payment account secure transaction method and system which improve the transaction security of a payment account through multiple protection means and will not leak the real information of users. The invention adopts the following technical scheme: a user applies for a payment account, an authentication node performs feature extraction on the user's personal information, after checking, the user is added to the payment account transaction block chain node and constrained by the intelligent contract, according to the specific process of payment account transaction, theuser pays or accepts the virtual currency, transmits the virtual currency through ring signature encryption, and extracts the real currency through the clearing node. A credit rating block chain nodeis set to monitor and manage account credit ratings of users and user transactions, if a first violation of a user account during a transaction is monitored, then, the transaction operation of the user account is restricted, and if the second violation behavior of the user transaction object account in the transaction process is monitored, the transaction operation of the user transaction object account is restricted, and other nodes in the block chain are informed of the above-mentioned dishonest behavior in a manner that the true information of the user and the user transaction object is notdisclosed.

Description

technical field [0001] The present invention relates to the field of payment account transactions, in particular to a block chain-based payment account security transaction method and system. Background technique [0002] Looking back at the development of my country's shopping transactions, it generally includes bank counter remittance transactions, card transactions, online banking transactions, Alipay, WeChat and other third-party payment platform transactions. Looking at these transaction methods, they are all transaction methods using payment accounts. The transaction process often depends on the data center. The processing capacity of the data center will affect the efficiency of the transaction, and the failure of the data center will affect all parties involved in the transaction. . Moreover, the personal account number filled in through the browser page during the transaction also has the risk of being stolen. Blockchain is an open network ledger. It originated f...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/381G06Q20/3825G06Q20/3829G06Q20/40145G06Q20/403
Inventor 钱京陆道如崔可
Owner HENGBAO
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