Public payment service implementation method based on block chain

Abstract

The invention discloses a public payment service implementation method based on a block chain. According to the method, transaction details and bill data contents are comprehensively encrypted by using an encryption technology, the security and privacy of data in transmission and storage processes are ensured, a decentralized alliance chain network is constructed among public payment participants by using a block chain technology, the participants link payment operations and results in real time, and the payment efficiency is improved. And synchronization is completed among the nodes in time, so that the account checking efficiency is effectively improved, and the account checking cost is reduced. In the whole business process, a payer initiates a transaction request as a participant of the block chain, then a payment platform, a bank and the like are used as accounting nodes in the block chain to record behavior actions of the payer, and finally, a big data center, a finance bureau and the like are used as supervision nodes in the block chain to complete subsequent verification work. Therefore, a complete life cycle record of a transaction is formed.

Description

technical field [0001] The invention relates to a method for recording transaction information in a public payment service through blockchain technology, and completing reconciliation between parties in real time, belonging to the technical field of blockchain. Background technique [0002] With the popularization of Internet technology and the wide application of mobile payment, the voices of all parties for e-government and online payment are getting louder and louder. In order to facilitate the citizens and effectively promote the realization of the goal of building a general portal for government affairs in all regions, it is necessary to build a public payment service platform (hereinafter referred to as the payment platform). Through "one-stop acceptance and one-stop payment", the convenient payment of government non-tax income can be realized, and the network connection between the payers, collection entities, clearing banks, financial departments and other entities c...

AI Technical Summary

Problems solved by technology

[0003] At present, most payment platforms connect different payment participants based on centralized institutions, and each participant has different ledger structures and data. The reconciliation process is complex, costly, and difficult, and it is difficult to coordinate and agree on data among multiple parties.

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