Payment account information query method, device, platform and system based on blockchain

Abstract

Embodiments of the present invention provide a blockchain-based payment account information query method, device, platform, and system. The method includes: upon receiving a payment request, obtaining the target object's identity identification information from the payment request; extracting identity association information corresponding to the target object's identity identification information from a block containing real-name authentication information and a block containing payment account information; comparing the identity association information extracted from the block containing real-name authentication information with each of the blocks containing payment account information; and when the identity association information extracted from the block containing real-name authentication information and the block containing payment account information are consistent, providing the payment account information in the block containing payment account information. The present invention enables one-click querying of all payment account information in a blockchain composed of distributed nodes.

Description

Technical Field

[0001] The present invention relates to the field of computer application technology, and in particular to a payment account information query method, device, platform and system based on blockchain. Background Art

[0002] Online payment refers to the transfer of monetary funds between payers and payees over the internet, including currency exchange, internet payment, mobile phone payment, landline payment, and digital TV payment. Online payment utilizes third-party payment institutions as payment service providers, using open networks like the internet as payment channels. Through payment interfaces between third-party payment institutions and commercial banks, online payment forms a complete payment service process between merchants, consumers, and banks.

[0003] Current online payment models can be broadly categorized as gateway and platform models. Taking the gateway model as an example, its key feature is the addition of a third-party payment gateway between online merchants and bank gateways. This third-party payment gateway integrates the online banking interfaces of various banks and provides online merchants with a unified payment interface, settlement, and reconciliation services. In this model, third-party payment institutions integrate all bank gateways (online banking and telephone banking) onto a single platform. Merchants and consumers only need to use one payment institution's platform to connect to multiple bank gateways, achieving single-point access and providing a wide range of bank card internet payment services.

[0004] Taking the e-commerce B2C transaction scenario as an example, the general business process of the payment gateway model is as follows: Figure 1 When making a payment, after verifying the seller's identity and confirming the order information, the buyer must submit their bank card information to the third-party payment gateway. The third-party payment gateway will send the buyer's card number and payment information to the corresponding bank gateway for authentication. After the bank authenticates the payment, the deduction is completed and the payment result is returned to the third-party payment gateway.

[0005] However, existing payment solutions based on third-party payment gateways have the following technical flaws:

[0006] First, the existing solution uses a centralized access model, requiring third-party payment gateways to connect to each bank's gateway system one by one, placing heavy pressure on interfaces and business processing.

[0007] Second, when users use multiple bank accounts to make payments, they need to initiate account information verification and authorization operations with the payment bank one by one through the payment gateway, completing multiple bank card payment transactions asynchronously, which reduces business processing efficiency.

[0008] Third, there are security risks to user information:

[0009] Payment platforms store a large amount of user personal information and bank account information, and once these are obtained by criminals, the consequences will be disastrous;

[0010] Users need to enter sensitive information such as bank card number / password, ID number, etc. through Web / APP, which can be easily intercepted by phishing websites or hackers, resulting in the leakage of user sensitive information, posing a security risk. Summary of the Invention

[0011] The present invention provides a payment account information query method, device, platform and system based on blockchain.

[0012] To solve the above technical problems, the embodiments of the present invention provide the following solutions:

[0013] A payment account information query method based on blockchain, characterized by comprising the following steps:

[0014] When receiving a payment request, obtaining the target object's identity information from the payment request;

[0015] Extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information;

[0016] comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information;

[0017] When the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information, the payment account information in the block including the payment account information is provided.

[0018] Optionally, extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information includes the following steps:

[0019] Querying, based on the identity identification information of the target object, a block including real-name authentication information and a block including payment account information that matches the target object;

[0020] The identity association information corresponding to the identity identification information of the target object is extracted from the queried block including the real-name authentication information and the block including the payment account information.

[0021] Optionally, comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information, respectively, comprises the following steps:

[0022] Compare the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and each block including the payment account information respectively. When the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and the block including the payment account information are consistent, it is determined that the identity association information extracted from the block including the real-name authentication information and the block including the payment account information are consistent.

[0023] Optionally, the block including the real-name authentication information is formed by the following steps:

[0024] Hash and encrypt the real-name authentication information and upload it to the blockchain;

[0025] A consensus is reached on the real-name authentication information that has been hashed and uploaded to the chain to form the block including the real-name authentication information.

[0026] Optionally, the block including the payment account information is formed by the following steps:

[0027] Hash and encrypt payment account information and upload it to the blockchain;

[0028] A consensus is reached on the payment account information that has been hashed and uploaded to the chain to form the block including the payment account information.

[0029] Optionally, the method further comprises the following steps:

[0030] When receiving a request to update real-name authentication information or payment account information, the updated real-name authentication information or payment account information is hashed and uploaded to the blockchain;

[0031] A consensus is reached on the real-name authentication information or payment account information that has been hashed and uploaded to the chain to form a new block that includes the real-name authentication information or payment account information.

[0032] Optionally, the real-name authentication information includes at least two of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, and the payment account information includes the real-name authentication information, the payment account, and the name of the payment institution to which the payment account belongs.

[0033] Optionally, the target object's identity identification information and identity association information are both at least one of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, wherein the target object's identity identification information is different from the identity association information.

[0034] An embodiment of the present invention further provides a payment account information query device based on blockchain, comprising:

[0035] An acquisition module, configured to acquire the identity information of a target object from the payment request when a payment request is received;

[0036] A first processing module is configured to extract identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information;

[0037] a second processing module, configured to compare the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information;

[0038] The third processing module is configured to provide the payment account information in the block including the payment account information when the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information.

[0039] An embodiment of the present invention further provides a blockchain network platform for payment, comprising a DAPP, a third-party payment node with basic blockchain functions, an operation node, and multiple payment institution nodes, wherein the multiple payment institution nodes correspond to different payment institutions respectively;

[0040] The DAPP is used to query payment account information according to the blockchain-based payment account information query method according to any one of claims 1 to 8;

[0041] A third-party payment node is used to receive payment requests and authenticate and deduct payment from the payment account selected by the target object.

[0042] An embodiment of the present invention further provides a blockchain network system for payment, comprising:

[0043] A blockchain network platform for payments;

[0044] A third-party payment institution gateway, which is used to access the blockchain network platform for payment by providing a payment node;

[0045] An operator real-name authentication platform, which is used to access the blockchain network platform for payment by providing an operating node;

[0046] Multiple direct payment institution gateways, each direct payment institution gateway node is used to access the blockchain network platform for payment by providing a payment institution node.

[0047] An embodiment of the present invention further provides a computer-readable storage medium comprising instructions, which, when executed on a computer, enable the computer to execute the method described above.

[0048] The above solution of the present invention includes at least the following beneficial effects:

[0049] The above-mentioned scheme of the present invention applies a payment account information query method based on blockchain. When a payment request is received, the identity identification information of the target object is obtained from the payment request; the identity association information corresponding to the identity identification information of the target object is extracted from the block including real-name authentication information and the block including payment account information; the identity association information extracted from the block including real-name authentication information and each block including payment account information are compared respectively; when the identity association information extracted from the block including real-name authentication information and the block including payment account information are consistent, the payment account information in the block including payment account information is provided, and the identity association information corresponding to the identity identification information of the target object in the block including real-name authentication information and the block including payment account information is retrieved, and the payment account information in the block including payment account information that is consistent with the identity association information in the block including real-name authentication information is provided to the user, thereby realizing one-click query of all payment account information in the blockchain composed of distributed nodes. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] Figure 1 This is the B2C payment process based on a third-party payment gateway in the existing technology;

[0051] Figure 2 This is a flowchart of a payment account information query method based on blockchain according to an embodiment of the present invention;

[0052] Figure 3 This is a flowchart of a specific implementation of a payment account information query method based on blockchain according to an embodiment of the present invention;

[0053] Figure 4 This is a diagram of the blockchain network system architecture for payment according to the third embodiment of the present invention;

[0054] Figure 5 This is a flowchart of uploading operator real-name authentication information to the chain in embodiment 3 of the present invention;

[0055] Figure 6 This is a flowchart of uploading bank user account information to the blockchain in Example 3 of the present invention;

[0056] Figure 7 This is a flow chart of bank account information verification based on mobile phone number according to embodiment 3 of the present invention. DETAILED DESCRIPTION

[0057] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0058] An embodiment of the present invention provides a payment account information query method based on blockchain.

[0059] Reference Figure 2 The payment account information query method based on blockchain in this embodiment includes the following steps:

[0060] Step 21: When a payment request is received, obtain the target party's identity information from the payment request;

[0061] Step 22: extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information;

[0062] Step 23, comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information;

[0063] Step 24: When the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information, provide the payment account information in the block including the payment account information.

[0064] This embodiment can realize one-click query of all payment account information in a blockchain composed of distributed nodes.

[0065] like Figure 3 As shown, a specific implementation of the method includes:

[0066] S110, real-time monitoring to see if a payment request is received:

[0067] S120, obtaining the target object's identity information from the payment request;

[0068] S130, searching for a block including real-name authentication information and a block including payment account information that matches the target object's identity identification information;

[0069] S140, extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information respectively;

[0070] S150, comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information;

[0071] S160: Determine whether the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information:

[0072] S170, providing the payment account information in the block including the payment account information.

[0073] The target object's identity identification information in step S120 and the identity association information in step S140 are both at least one of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, wherein the target object's identity identification information is different from the identity association information.

[0074] The block including the real-name authentication information in step S130 is formed by the following steps:

[0075] Hash and encrypt the real-name authentication information and upload it to the blockchain;

[0076] A consensus is reached on the real-name authentication information that has been hashed and uploaded to the chain to form the block including the real-name authentication information.

[0077] The block including the payment account information in step S130 is formed by the following steps:

[0078] Hash and encrypt payment account information and upload it to the blockchain;

[0079] A consensus is reached on the payment account information that has been hashed and uploaded to the chain to form the block including the payment account information.

[0080] The real-name authentication information in step S130 includes at least two of mobile phone number, ID number, biometric identification information, name and terminal information, and the payment account information in step S130 includes the real-name authentication information, payment account and the name of the payment institution to which the payment account belongs.

[0081] In step S150, the identity association information extracted from the block including the real-name authentication information and each block including the payment account information is compared, specifically including the following steps:

[0082] Compare the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and each block including the payment account information respectively. When the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and the block including the payment account information are consistent, it is determined that the identity association information extracted from the block including the real-name authentication information and the block including the payment account information are consistent.

[0083] The method of this embodiment further includes the following steps:

[0084] When receiving a request to update real-name authentication information or payment account information, the updated real-name authentication information or payment account information is hashed and uploaded to the blockchain;

[0085] A consensus is reached on the real-name authentication information or payment account information that has been hashed and uploaded to the chain to form a new block that includes the real-name authentication information or payment account information.

[0086] The blockchain-based payment account information query method of this embodiment queries the blocks including real-name authentication information and payment account information that match the target object according to the identity identification information of the target object, and compares the identity association information corresponding to the identity identification information extracted from the block including the real-name authentication information and each block including the payment account information, thereby realizing double verification and improving the security of the user account.

[0087] The blockchain-based payment account information query method of this embodiment can complete the query and verification of user real-name authentication information and other key information based on identity identification information such as the user's mobile phone number, and synchronously query all bank account information at one time through the world state of the blockchain. This can not only greatly improve the efficiency of account information verification during the payment process, but also reduce the risk of leakage of user sensitive information without the need for the user to enter sensitive information.

[0088] In order to solve the above technical problems existing in the prior art, an embodiment of the present invention provides a payment method based on blockchain.

[0089] The blockchain-based payment method of this embodiment includes the following steps:

[0090] Query payment account information according to the blockchain-based payment account information query method of Example 1 for target object selection;

[0091] The payment account is authenticated and deducted based on the payment account selected by the target object.

[0092] In order to solve the above-mentioned technical problems existing in the prior art, an embodiment of the present invention provides a blockchain network platform for payment.

[0093] The blockchain network platform for payment in this embodiment includes a DAPP, a third-party payment node with basic blockchain functions, an operation node, and multiple payment institution nodes, wherein the multiple payment institution nodes correspond to different payment institutions respectively;

[0094] The DAPP is used to query payment account information according to the blockchain-based payment account information query method of Example 1;

[0095] A third-party payment node is used to receive payment requests and authenticate and deduct payment from the payment account selected by the target object.

[0096] In order to solve the above-mentioned technical problems existing in the prior art, an embodiment of the present invention provides a blockchain network system for payment.

[0097] like Figure 4 As shown, the blockchain network system for payment in this embodiment includes:

[0098] The blockchain network platform for payment in Example 2;

[0099] A third-party payment institution gateway, which is used to access the blockchain network platform for payment by providing a payment node;

[0100] An operator real-name authentication platform, which is used to access the blockchain network platform for payment by providing an operating node;

[0101] Multiple direct payment institution gateways, each direct payment institution gateway node is used to access the blockchain network platform for payment by providing a payment institution node.

[0102] In actual application scenarios, the payment gateway of the third-party payment institution, the gateways of each bank as the gateway of the direct payment institution, and the operator's real-name authentication platform are used as blockchain participants to form an alliance chain. The participants do not need to connect their systems with each other. They only need to implement the blockchain DAPP to access the blockchain platform for account information query and verification.

[0103] Figure 4 The specific implementation of the blockchain network platform for payment is as follows:

[0104] It is composed of blockchain nodes provided by all participants in the consortium chain, realizing basic blockchain capabilities, including ledger storage, smart contracts, consensus mechanisms, encryption and decryption, and providing DAPPs that can access the blockchain network to perform operations such as data on-chain, query, and hash encryption. In addition to recording users' real-name authentication information (hash values) with various banks and operators, the blockchain network platform used for payment can also record key information such as user fingerprint information, tokens, and terminal information as auxiliary authentication methods to enhance user account security.

[0105] The specific implementation of the payment gateway of the third-party payment institution is as follows: providing merchants and consumers with a variety of bank card Internet payment services, using the operator real-name authentication information authorized by the blockchain network platform used for payment and the bank account information authorized by the gateway of each bank to realize the function of payment using user identification information.

[0106] The operator real-name authentication platform is specifically implemented as follows: it is responsible for managing and maintaining the user's real-name authentication information with the operator, which includes the user's identity identification information and identity association information. In a specific embodiment, the identity identification information is the user's mobile phone number, and the identity association information includes fingerprint information, real-name information, terminal information, etc. The real-name authentication information is the identity identification information and identity association information with a mapping relationship. The user's mobile phone number, fingerprint information, terminal information and other real-name authentication information are hashed and encrypted before being uploaded to the chain, and the user's mobile phone number information is managed and status updated. If the user changes their mobile phone number, the mapping relationship between the updated mobile phone number and identity association information is synchronized on the chain.

[0107] The specific implementation of each bank gateway is as follows: it is responsible for managing and maintaining the user's bank account information (including user identity information, reserved mobile phone number, bank account number, etc.) and other user authentication information (including fingerprint information, terminal information, etc.), and uploading the mobile phone number information, real-name information, other authentication information (hash encryption), bank account number and other information bound to the user's bank card to the chain. In a specific embodiment, the identity identification information is the user's mobile phone number. When the user initiates a mobile phone payment request, the blockchain smart contract compares the hash value of the user's real-name authentication information with the operator and the bank. If the verification is passed, mobile phone payment is supported, and the user's bank account list is returned to support the completion of subsequent user account authentication and deduction business processes.

[0108] Using the user's mobile phone number as identification information in payment requests, the blockchain network system for payment in this embodiment is applied in practical scenarios as follows: Operators and banks obtain the user's real-name information and other key information (such as fingerprint information, facial information, terminal information, etc.), hash and encrypt it through the DAPP, and then upload it to the blockchain. The third-party payment institution's payment gateway receives the user's business transaction request (including the transaction counterparty's mobile phone number), initiates the user's real-name information verification and account information query process, and returns the user information verification result and a list of verified bank account information based on the user's world state in the blockchain.

[0109] In a specific embodiment, Figure 5 As shown, the process of uploading the operator's real-name authentication information to the chain includes: DAPP hashing and encrypting the real-name authentication information and uploading it to the chain; the operation node reaches a consensus on the real-name authentication information that has been hashed and uploaded to the chain to form the block including the real-name authentication information.

[0110] In a specific embodiment, Figure 6 As shown, the process of uploading bank user account information to the chain includes: DAPP hashing and encrypting the payment account information and uploading it to the chain; bank nodes reach a consensus on the payment account information that has been hashed and uploaded to the chain to form the block including the payment account information.

[0111] In a specific embodiment, Figure 7 As shown, the bank account information verification process based on mobile phone numbers includes: if the value in the first world state of a business object attribute Phone_Num is 0, it is determined that the real-name authentication verification of Phone_Num has failed and the number payment transaction is not supported; if the value is 1, it means that at least one bank account of Phone_Num has passed the real-name authentication verification, and the list of all bank accounts recorded in the second world state is returned to the user as a response to complete the subsequent number payment transaction process.

[0112] In a specific embodiment, the data structure of the block containing real-name authentication information and the block containing payment account information in the blockchain in this embodiment is as follows:

[0113] Each bank gateway and operator's real-name authentication platform encrypts key user information (including but not limited to user mobile phone number, name, ID number, bank account information, fingerprint information, face information, terminal information, etc.) and forms a block after consensus. The data structure stored in the block including real-name authentication information is shown in Table 1, and the data structure of the block including payment account information is shown in Table 2.

[0114] Table 1

[0115]

[0116] Table 2

[0117]

[0118] In a specific embodiment, the identity identification information in the payment request is a mobile phone number. The world state of the blockchain is as follows: Based on the above block transaction records, a business object attribute Phone_Num is used as the key value in the world state, and the Name name (hash), Id_Num ID number (hash), and Other_ID other identity information (such as fingerprint hash, face hash, terminal hash, etc.) fields in the operator's real-name authentication information are written into the value. At the same time, the smart contract is called to traverse and verify the business object attribute Phone_Num mobile phone number in the account information of each bank gateway, and the verification result is recorded in the world state. The world state includes two groups of states:

[0119] The first world state is: for a business object attribute Phone_Num, compare the verification results of its Name (hash), Id_Num (hash), and Other_ID (hash) field values ​​in the operator's real-name authentication information and each bank gateway account information. If the field value verification is consistent, value = 1, otherwise value = 0.

[0120] key=Phone_Num, value={0,1}

[0121] When the value of a business object attribute Phone_Num in the first state is 1, all account attributes Account_Num bank account number and Bank_Name bank name that pass the Phone_Num verification are recorded in the second world state.

[0122] key=Phone_Num, value={Name=Name(hash), ID=Id_Num(hash), Other=Other_ID(hash), Bank_Name_1=ICBC, Account_Num_1=XXX, Bank_Name_2=CCB, Account_Num_2=XXX, Bank_Name_3=BOC, Account_Num_3=XXX...}

[0123] The state of the second world is shown in Table 3 below:

[0124] Table 3

[0125]

[0126] The user payment blockchain network system of this embodiment uploads the real-name authentication information and other key information (hash values) of the operator and the bank to the chain after consensus, allowing users to complete the bank account information query and verification process by simply providing their mobile phone number.

[0127] The user payment blockchain network system of this embodiment can avoid security issues caused by non-personal operation or mobile phone theft by performing double verification on the real-name authentication information and other key information (including but not limited to user identity information, fingerprint information, face information, terminal information, etc.) reserved by the user with the operator and the bank, thereby improving the security of the user account.

[0128] In the blockchain network system for user payment of this embodiment, during the process of bank account information query, there is no need to connect the third-party payment gateway with each bank gateway and operator real-name authentication platform one by one. Each participant only needs to implement the blockchain DAPP to access the number payment blockchain system, which requires little system modification and can reduce the pressure of third-party payment gateway interface query and business processing.

[0129] The user payment blockchain network system of this embodiment uses user real-name information (including but not limited to mobile phone number and name) and other key information (including but not limited to user ID number, fingerprint information, facial information, terminal information, etc.) to generate a world state; quickly determines whether the user number supports the number payment service through the first world state; and synchronously queries all verified bank account information through the second world state, realizing simultaneous query of multiple bank accounts in a blockchain composed of distributed nodes, so that users can use their bank accounts to make payments safely, quickly and efficiently.

[0130] The blockchain network system for user payment in this embodiment uses blockchain technology to query and complete the matching and verification of the user's real-name information at the operator and bank and other key information through the user's identity identification information such as mobile phone number, and records the verification results in the world state. It supports one-point query through the blockchain and provides a list of all the user's bank accounts that have passed the verification, thereby improving information security and account verification efficiency during the user payment process.

[0131] An embodiment of the present invention further provides a payment account information query device based on blockchain, comprising:

[0132] An acquisition module, configured to acquire the identity information of a target object from the payment request when a payment request is received;

[0133] A first processing module is configured to extract identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information;

[0134] a second processing module, configured to compare the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information;

[0135] The third processing module is configured to provide the payment account information in the block including the payment account information when the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information.

[0136] Optionally, extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information includes the following steps:

[0137] Querying, based on the identity identification information of the target object, a block including real-name authentication information and a block including payment account information that matches the target object;

[0138] The identity association information corresponding to the identity identification information of the target object is extracted from the queried block including the real-name authentication information and the block including the payment account information.

[0139] Optionally, comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information, respectively, comprises the following steps:

[0140] Compare the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and each block including the payment account information respectively. When the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and the block including the payment account information are consistent, it is determined that the identity association information extracted from the block including the real-name authentication information and the block including the payment account information are consistent.

[0141] Optionally, the block including the real-name authentication information is formed by the following steps:

[0142] Hash and encrypt the real-name authentication information and upload it to the blockchain;

[0143] A consensus is reached on the real-name authentication information that has been hashed and uploaded to the chain to form the block including the real-name authentication information.

[0144] Optionally, the block including the payment account information is formed by the following steps:

[0145] Hash and encrypt payment account information and upload it to the blockchain;

[0146] A consensus is reached on the payment account information that has been hashed and uploaded to the chain to form the block including the payment account information.

[0147] Optionally, the method further comprises the following steps:

[0148] When receiving a request to update real-name authentication information or payment account information, the updated real-name authentication information or payment account information is hashed and uploaded to the blockchain;

[0149] A consensus is reached on the real-name authentication information or payment account information that has been hashed and uploaded to the chain to form a new block that includes the real-name authentication information or payment account information.

[0150] Optionally, the real-name authentication information includes at least two of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, and the payment account information includes the real-name authentication information, the payment account, and the name of the payment institution to which the payment account belongs.

[0151] Optionally, the target object's identity identification information and identity association information are both at least one of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, wherein the target object's identity identification information is different from the identity association information.

[0152] It should be noted that the device is a device corresponding to the above method, and all implementation methods in the above method embodiments are applicable to the embodiments of the device and can achieve the same technical effects.

[0153] An embodiment of the present invention further provides a computer-readable storage medium comprising instructions, which, when executed on a computer, cause the computer to execute the method described above. All implementations in the above method embodiments are applicable to this embodiment and can achieve the same technical effects.

[0154] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of the present invention.

[0155] Those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0156] In the embodiments provided by the present invention, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be through some interface, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0157] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.

[0158] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0159] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes various media that can store program code, such as a USB flash drive, a mobile hard drive, ROM, RAM, a magnetic disk, or an optical disk.

[0160] In addition, it should be noted that, in the apparatus and method of the present invention, it is obvious that each component or each step can be decomposed and / or recombined. These decompositions and / or recombinations should be regarded as equivalent schemes of the present invention. Moreover, the steps of performing the above-mentioned series of processing can naturally be performed in chronological order according to the order of description, but it is not necessary to perform them in chronological order, and some steps can be performed in parallel or independently of each other. For those of ordinary skill in the art, it will be understood that all or any steps or components of the method and apparatus of the present invention can be implemented in any computing device (including processors, storage media, etc.) or a network of computing devices in hardware, firmware, software or a combination thereof, which can be achieved by those of ordinary skill in the art using their basic programming skills after reading the description of the present invention.

[0161] Therefore, the purpose of the present invention can also be achieved by running a program or a group of programs on any computing device. The computing device can be a well-known general-purpose device. Therefore, the purpose of the present invention can also be achieved simply by providing a program product containing program code that implements the method or device. That is to say, such a program product also constitutes the present invention, and the storage medium storing such a program product also constitutes the present invention. Obviously, the storage medium can be any well-known storage medium or any storage medium developed in the future. It should also be pointed out that in the device and method of the present invention, it is obvious that each component or each step can be decomposed and / or recombined. These decompositions and / or recombinations should be regarded as equivalent schemes of the present invention. In addition, the steps of performing the above-mentioned series of processing can naturally be performed in chronological order according to the order of description, but do not necessarily need to be performed in chronological order. Certain steps can be performed in parallel or independently of each other.

[0162] The above is a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as within the scope of protection of the present invention.

Claims

1. A payment account information query method based on blockchain, characterized in that: The following steps are involved: When receiving a payment request, obtaining the target object's identity information from the payment request; Extracting identity-related information corresponding to the target object's identity information from the block containing the real-name authentication information and the block containing the payment account information; the identity-related information is at least one of a token, a mobile phone number, an ID number, biometric identification information, a name, and terminal information; comparing the identity association information extracted from the block including the real-name authentication information with each of the blocks including the payment account information; When the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information, providing the payment account information in the block including the payment account information; The step of comparing the identity association information extracted from the block including the real-name authentication information and each of the blocks including the payment account information comprises the following steps: Compare the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and each block including the payment account information respectively. When the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and the block including the payment account information are consistent, it is determined that the identity association information extracted from the block including the real-name authentication information and the block including the payment account information are consistent.

2. The payment account information query method based on blockchain according to claim 1 is characterized in that: Extracting identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information includes the following steps: Querying, based on the identity identification information of the target object, a block including real-name authentication information and a block including payment account information that matches the target object; The identity association information corresponding to the identity identification information of the target object is extracted from the queried block including the real-name authentication information and the block including the payment account information.

3. The payment account information query method based on blockchain according to claim 1, characterized in that: The block including the real-name authentication information is formed by the following steps: Hash and encrypt the real-name authentication information and upload it to the blockchain; A consensus is reached on the real-name authentication information that has been hashed and uploaded to the chain to form the block including the real-name authentication information.

4. The payment account information query method based on blockchain according to claim 1, characterized in that: The block including payment account information is formed by the following steps: Hash and encrypt payment account information and upload it to the blockchain; A consensus is reached on the payment account information that has been hashed and uploaded to the chain to form the block including the payment account information.

5. The payment account information query method based on blockchain according to claim 1, characterized in that: The method further comprises the following steps: When receiving a request to update real-name authentication information or payment account information, the updated real-name authentication information or payment account information is hashed and uploaded to the blockchain; A consensus is reached on the real-name authentication information or payment account information that has been hashed and uploaded to the chain to form a new block that includes the real-name authentication information or payment account information.

6. The payment account information query method based on blockchain according to claim 1, characterized in that: The real-name authentication information includes at least two of mobile phone number, ID number, biometric identification information, name and terminal information, and the payment account information includes the real-name authentication information, payment account and the name of the payment institution to which the payment account belongs.

7. The payment account information query method based on blockchain according to claim 1, characterized in that: The identity identification information of the target object is at least one of a mobile phone number, an ID number, biometric identification information, a name, and terminal information, wherein the identity identification information of the target object is different from the identity association information.

8. A payment account information query device based on blockchain, characterized in that: include: An acquisition module, configured to acquire the identity information of a target object from the payment request when a payment request is received; A first processing module is configured to extract identity association information corresponding to the identity identification information of the target object from the block including the real-name authentication information and the block including the payment account information; a second processing module for comparing identity-related information extracted from the block including the real-name authentication information with each of the blocks including the payment account information; the identity-related information being at least one of a token, a mobile phone number, an ID number, biometric identification information, a name, and terminal information; a third processing module, configured to provide the payment account information in the block including the payment account information when the identity association information extracted from the block including the real-name authentication information is consistent with the identity association information extracted from the block including the payment account information; The step of comparing the identity association information extracted from the block including the real-name authentication information and each of the blocks including the payment account information comprises: Compare the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and each block including the payment account information respectively. When the hash values ​​corresponding to each identity association information field extracted from the block including the real-name authentication information and the block including the payment account information are consistent, it is determined that the identity association information extracted from the block including the real-name authentication information and the block including the payment account information are consistent.

9. A blockchain network platform for payment, characterized in that: It includes DAPP, third-party payment nodes with basic blockchain functions, operation nodes and multiple payment institution nodes, wherein the multiple payment institution nodes correspond to different payment institutions respectively; The DAPP is used to query payment account information according to the blockchain-based payment account information query method according to any one of claims 1 to 7; A third-party payment node is used to receive payment requests and authenticate and deduct payment from the payment account selected by the target object.

10. A blockchain network system for payment, characterized in that: include: The blockchain network platform for payment according to claim 9; A third-party payment institution gateway, which is used to access the blockchain network platform for payment by providing a payment node; An operator real-name authentication platform, which is used to access the blockchain network platform for payment by providing an operating node; Multiple direct payment institution gateways, each direct payment institution gateway node is used to access the blockchain network platform for payment by providing a payment institution node.

11. A computer-readable storage medium, characterized in that The method comprises instructions, which, when executed on a computer, cause the computer to execute the method according to any one of claims 1 to 7.

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