Interbank transaction control method and system based on blockchain

Abstract

The present invention discloses a method and system for controlling interbank transactions based on blockchain, and relates to the technical field of blockchain. The method comprises: a user initiates a cash transaction reservation request through mobile banking, generates a serial number, reservation success information and a first hash value through a bank server corresponding to the mobile banking, and generates a QR code according to the first hash value; the user performs a cash transaction operation on a self-service terminal based on the QR code, and the mobile banking, the bank server corresponding to the mobile banking, the blockchain, the self-service terminal, and the bank server corresponding to the self-service terminal control the user's cash transaction based on the first hash value. After the cash transaction is completed, the user's account is processed based on the second hash value, the serial number, the first hash value and the transaction information generated by the transaction information. The present invention can improve the user's experience of interbank transactions.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based inter-bank transaction control method and system. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] Currently, when users initiate cash transactions (including deposits and withdrawals), they are required to provide a medium containing account information, such as a bank card, passbook, or download a corresponding app. This makes it inconvenient for users to use banking services and has a poor user experience, especially when conducting inter-bank transactions. Summary of the invention

[0004] An embodiment of the present invention provides a blockchain-based inter-bank transaction control method, the method comprising:

[0005] After the user's face is verified, the mobile banking sends the cash transaction reservation request submitted by the user to the bank server corresponding to the mobile banking;

[0006] The bank server corresponding to the mobile banking verifies whether the cash transaction reservation request is supported. If supported, a serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in the database of the bank server, and the bank ID, serial number and first hash value belonging to the bank server are uploaded to the blockchain, a QR code is generated according to the first hash value, and the code is returned to the user;

[0007] When a user conducts a cash transaction, the self-service terminal sends the first hash value in the QR code to the blockchain;

[0008] After the blockchain finds the corresponding first hash value according to the first hash value, it determines whether there is a transaction completion identifier and a second hash value corresponding to the first hash value. If not, the serial number and the bank ID are returned to the self-service terminal;

[0009] The self-service terminal sends the serial number, the first hash value and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID;

[0010] The bank server corresponding to the mobile banking of the bank ID determines whether the first hash value stored in the database of the bank server corresponding to the serial number is consistent with the first hash value sent by the self-service terminal. If they are consistent, confirm whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal. If they are consistent, the reservation amount and transaction type in the cash transaction reservation request are fed back to the self-service terminal;

[0011] The self-service terminal controls the user's cash transaction according to the reserved amount and transaction type, and stores the transaction information after the cash transaction is completed in the bank server corresponding to the self-service terminal;

[0012] The bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, stores the first hash value, the serial number, the bank ID, the transaction completion mark and the second hash value in the blockchain; and sends the serial number, the first hash value and the transaction information to the bank server corresponding to the mobile banking of the bank ID;

[0013] The bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information.

[0014] An embodiment of the present invention also provides an inter-bank transaction control system based on blockchain, which includes: mobile banking, a bank server corresponding to the mobile banking, blockchain, a self-service terminal and a bank server corresponding to the self-service terminal, and is used to: implement the inter-bank transaction control method based on blockchain.

[0015] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned blockchain-based inter-bank transaction control method when executing the computer program.

[0016] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned blockchain-based inter-bank transaction control method.

[0017] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based inter-bank transaction control method.

[0018] In the embodiment of the present invention, compared with the technical solution in the prior art in which a user initiates a cash transaction (including deposits and withdrawals), and the user needs to provide a medium storing account information, such as a bank card, a passbook, or download a corresponding app, which causes inconvenience to the user in using bank services and poor user experience, the mobile banking initiates a cash transaction reservation request submitted by the user to the bank server corresponding to the mobile banking after the user's face verification is passed; the bank server corresponding to the mobile banking verifies whether the cash transaction reservation request is supported, and if supported, a serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in the database of the bank server, and the bank id, serial number and first hash value belonging to the bank server are uploaded to the blockchain, a QR code is generated according to the first hash value, and returned to the user; when the user conducts a cash transaction, the self-service terminal sends the first hash value in the QR code to the blockchain; after the blockchain finds the corresponding first hash value according to the first hash value, it determines whether there is a transaction completion identifier and a second hash value corresponding to the first hash value, and if not, the serial number and bank id are returned to the self-service terminal; The auxiliary terminal sends the serial number, the first hash value and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID; the bank server corresponding to the mobile banking of the bank ID determines whether the first hash value stored in the database of the bank server corresponding to the serial number is consistent with the first hash value sent by the self-service terminal. If they are consistent, it is confirmed whether the facial information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the facial information of the current user sent by the self-service terminal. If they are consistent, the reservation amount and transaction type in the cash transaction reservation request are fed back to the self-service terminal; the self-service terminal controls the cash transaction of the user according to the reservation amount and the transaction type, and stores the transaction information after the cash transaction is completed in the bank server corresponding to the self-service terminal; the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, stores the first hash value, the serial number, the bank ID, the transaction completion mark and the second hash value in the blockchain; and sends the serial number, the first hash value and the transaction information to the bank server corresponding to the mobile banking of the bank ID; the bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information. The present invention can facilitate users to use banking services and improve user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0020] Figure 1 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 1 ;

[0021] Figure 2 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 2 ;

[0022] Figure 3 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 3 ;

[0023] Figure 4 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 4 ;

[0024] Figure 5 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 5 ;

[0025] Figure 6 The process of the inter-bank transaction control method based on blockchain in the embodiment of the present invention is as follows Figure 6 . DETAILED DESCRIPTION

[0026] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0027] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0028] Based on the problems existing in the prior art, the present invention proposes a blockchain-based inter-bank transaction control system and method, the system includes mobile banking, a bank server corresponding to the mobile banking, a blockchain, a self-service terminal and a bank server corresponding to the self-service terminal, wherein the blockchain includes multiple bank nodes, such as bank a, bank b, and bank c. The system can implement a blockchain-based inter-bank transaction control method, the specific process is as follows: Figure 1 As shown, including:

[0029] Step 101: After the face verification of the user is passed, the mobile banking initiates a cash transaction reservation request submitted by the user to the bank server corresponding to the mobile banking;

[0030] Step 102: The bank server corresponding to the mobile banking verifies whether the cash transaction reservation request is supported. If supported, a serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in the database of the bank server, and the bank ID, serial number and first hash value belonging to the bank server are uploaded to the blockchain, a QR code is generated according to the first hash value, and the code is returned to the user;

[0031] Step 103: When the user conducts a cash transaction, the self-service terminal sends the first hash value in the QR code to the blockchain;

[0032] Step 104: After the blockchain finds the corresponding first hash value according to the first hash value, it determines whether there is a transaction completion identifier and a second hash value corresponding to the first hash value. If not, the serial number and the bank ID are returned to the self-service terminal;

[0033] Step 105: The self-service terminal sends the serial number, the first hash value, and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID;

[0034] Step 106: The bank server corresponding to the mobile banking of the bank ID determines whether the first hash value stored in the database of the bank server corresponding to the serial number is consistent with the first hash value sent by the self-service terminal. If they are consistent, confirm whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal. If they are consistent, the reservation amount and transaction type in the cash transaction reservation request are fed back to the self-service terminal;

[0035] Step 107: the self-service terminal controls the user's cash transaction according to the reserved amount and the transaction type, and stores the transaction information after the cash transaction is completed in the bank server corresponding to the self-service terminal;

[0036] Step 108: The bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, stores the first hash value, the serial number, the bank ID, the transaction completion mark and the second hash value in the blockchain; and sends the serial number, the first hash value and the transaction information to the bank server corresponding to the mobile banking of the bank ID;

[0037] Step 109: The bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, first hash value and transaction information.

[0038] Specifically, the information system architecture of a bank is: the self-service terminal corresponds to a separate bank server, and the user's mobile banking (that is, the bank app on the phone) also corresponds to a separate bank server. The server is used to store user information and transaction data. The bank's node in the blockchain is also a separate server. Three different servers process different data.

[0039] Specifically, blockchain mainly supports cross-bank cash transactions, that is, cash transactions made by users at Bank A. The generated hash value corresponds to the first hash value generated by Bank A. The user can go to the self-service terminal of Bank B to withdraw or deposit money with this first hash value (equivalent to a transaction voucher issued by Bank A to the user, a bit like a bank card, passbook, etc.).

[0040] Each reservation corresponds to a serial number and a hash value. The hash value corresponds one-to-one to the reservation information. Storing the hash value can keep it confidential so that others cannot see the specific information of the reservation.

[0041] Specifically, there may be a problem across banks, that is, user information may be leaked, so when storing it in the blockchain, what is stored is the first hash value and serial number, but not the actual cash transaction appointment application, because the application may contain sensitive information such as user identity information and account information.

[0042] Specifically, the cash transaction reservation request includes a bank account number, a transaction type (withdrawal, deposit), a reservation amount, and identity verification information (face during actual cash transactions).

[0043] Specifically, in step 104, if there is a cash transaction reservation request corresponding to the hash value, it means that the cash transaction reservation request corresponding to the hash value has been completed, and if there is no hash value, it means that the cash transaction reservation request corresponding to the hash value has not been completed.

[0044] Specifically, in step 102, the bank server corresponding to the mobile banking verifies whether the cash transaction reservation application is supported. It can be to verify whether the user's account balance supports the reservation amount when withdrawing money, whether the reservation amount is less than a threshold (such as 20,000), and whether the identity authentication information is the identity authentication information of the user's associated users (such as relatives). The associated users can be obtained through the knowledge graph.

[0045] Specifically, the reservation success information includes at least the serial number, the user's bank account number, the transaction type, the reservation amount, and the identity verification information (face in the case of actual cash transactions).

[0046] Specifically, the second hash value is to facilitate the account processing between banks after the transaction is completed. The user made an appointment for the transaction at Bank A, but actually conducted the transaction at the self-service terminal of Bank B. If the self-service terminal of Bank B sends the wrong transaction information to Bank A (Bank B stores data 1 and sends data 2 to Bank A), Bank B stores the correct hash value of the transaction information in the blockchain (if the hash value is also the hash value of the wrong transaction information, then the problem is the responsibility of Bank B). At this time, Bank A knows that the information sent by Bank B is wrong and cannot perform normal account processing.

[0047] In the embodiment of the present invention, step 103, the self-service terminal sends the first hash value in the QR code to the blockchain, including:

[0048] The self-service terminal receives the first hash value in the QR code input by the user, or the self-service terminal scans the QR code to obtain the first hash value in the QR code, and sends the first hash value in the QR code to the blockchain.

[0049] In the embodiment of the present invention, Figure 2 As shown, it also includes:

[0050] Step 201: When the blockchain fails to find the corresponding first hash value according to the hash value, a non-existence flag is returned to the self-service terminal, and the self-service terminal rejects the transaction application of the user.

[0051] In the embodiment of the present invention, Figure 3 As shown, after the self-service terminal sends the serial number, the first hash value and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID in step 105, it also includes:

[0052] Step 301: The self-service terminal sends the location information of the self-service terminal to the bank server corresponding to the mobile banking of the bank ID;

[0053] Step 302: The bank server corresponding to the mobile banking of the bank ID modifies the face matching threshold based on the location information, and determines whether the face of the current user sent by the self-service terminal is consistent with the face information of the user corresponding to the successful appointment information stored in the database of the bank server corresponding to the serial number based on the modified face matching threshold.

[0054] In one embodiment, the bank server corresponding to the mobile banking of the bank ID modifies the face matching threshold based on the location information, specifically:

[0055] The bank server corresponding to the mobile banking of the bank ID determines, based on the location information, a plurality of bank outlets (including self-service terminals) whose distances from the location information are within a specified distance range;

[0056] Obtaining facial recognition data of the multiple bank branches;

[0057] Setting a plurality of matching discrete values, for each matching discrete value, determining the proportion of risk data in the face recognition data of the plurality of bank branches when the face recognition threshold is set to the matching discrete value, and determining the proportion as the risk probability corresponding to the matching discrete value;

[0058] Obtaining the face recognition threshold corresponding to the current user stored in the face recognition server;

[0059] Classify bank users (including the current user) to obtain multiple user categories, and obtain the user category to which the current user belongs;

[0060] Obtaining face recognition data corresponding to the user category to which the current user belongs, and determining the proportion of risk data in the face recognition data corresponding to the user category to which the current user belongs when the face recognition threshold is set to the face recognition threshold corresponding to the current user stored in the face recognition server, and determining the proportion as the risk probability corresponding to the current user;

[0061] From the multiple matching discrete values, select multiple matching discrete values ​​whose corresponding risk probabilities are less than or equal to the risk probability corresponding to the current user, and determine the minimum value among the selected multiple matching discrete values ​​as the face recognition threshold of the current user with respect to the location information;

[0062] The face matching threshold of the current user is corrected to the maximum value of the face recognition threshold of the current user with respect to the location information and the face recognition threshold corresponding to the current user stored in the face recognition server.

[0063] Among them, the bank users (including the current user) may be classified in the following manner to obtain multiple user categories, and obtain the user category to which the current user belongs:

[0064] For any service, determine the distance function corresponding to the service, the independent variables of the distance function are two users, and the corresponding function value is the absolute value of the difference in the number of services of the two users in the service; then determine the distance function of the user as the square root of the sum of the squares of the distance functions corresponding to all services;

[0065] Based on the user's distance function, all users are clustered to obtain multiple user subsets. (For example, K-means is used to cluster all users)

[0066] In order to obtain a more accurate classification result, for each user subset among the multiple user subsets obtained above, determine the main business of each user in the user subset; for each main business corresponding to the user subset, determine the ratio of the number of users of the user subset corresponding to the main business to the number of users of the user subset, and determine the ratio as the proportion corresponding to the main business; determine the maximum value of the proportions corresponding to all the main businesses corresponding to the user subset as the concentration index of the user subset; for the user subset, determine whether the following condition a is satisfied: the concentration index of the user subset is greater than a set value, if not satisfied, continue to perform cluster analysis on the user subset until each newly generated user subset satisfies condition a;

[0067] Each user subset corresponds to a user category; and the user category corresponding to the user subset including the current user is determined as the user category to which the current user belongs.

[0068] In the embodiment of the present invention, Figure 4 As shown, in step 109, the bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information, including:

[0069] Step 401: The bank server corresponding to the mobile banking of the bank ID sends the received serial number and the first hash value to the blockchain to obtain the corresponding second hash value;

[0070] Step 402: The bank server corresponding to the mobile banking of the bank ID generates a third hash value according to the received transaction information;

[0071] Step 403: The bank server corresponding to the mobile banking of the bank ID compares the second hash value and the third hash value, and performs account processing on the user's account based on the comparison result.

[0072] Specifically, if the two hash values ​​are consistent, normal account processing will be carried out. If they are inconsistent, the bank server corresponding to the mobile banking of the bank ID will upload the serial number, the first hash value and the third hash value to the blockchain, waiting for subsequent processing.

[0073] In the embodiment of the present invention, the cash transaction reservation application includes a validity period (such as one month) and a geographical scope;

[0074] like Figure 5 As shown, it also includes:

[0075] Step 501: The bank server corresponding to the mobile banking determines the transaction time range (e.g., 6 a.m. to 9 p.m.) according to the geographical range, and feeds back the transaction time range to the user;

[0076] Step 502: When uploading the bank ID, serial number and first hash value to the blockchain, the bank server corresponding to the mobile banking also uploads the validity period, geographical range and transaction time range to the blockchain;

[0077] Step 503: After the blockchain finds the corresponding first hash value according to the hash value and before determining whether there is a transaction completion identifier and a second hash value corresponding to the first hash value, it further determines whether the current time is within the validity period and the transaction time range, and whether the location of the self-service terminal is within the geographical range;

[0078] Step 504: If all the above conditions are met, determine whether there is a transaction completion identifier and a second hash value corresponding to the first hash value. If not, return the serial number and bank ID to the self-service terminal.

[0079] Specifically, the validity period and geographical scope are used to limit (or narrow) the scope of transactions, which can reduce the occurrence of transaction risks.

[0080] In the embodiment of the present invention, Figure 6 As shown, in step 501, the bank server corresponding to the mobile banking determines the transaction time range according to the geographical range, including:

[0081] Step 601: The bank server corresponding to the mobile banking obtains the transaction data of the bank outlets within the geographical range, and determines the transaction volume and risk probability of each of the multiple time periods;

[0082] Step 602: determining a partial order of time periods based on the transaction volume and the risk probability, wherein the partial order is used to determine whether a first time period is better than a second time period in any two time periods;

[0083] Step 603: determining a maximum time period among the multiple time periods according to the partial order of the time periods, wherein the maximum time period is a maximum element of the partial order;

[0084] Step 604: Determine a maximum time period among the multiple time periods as a transaction time range corresponding to the geographical range.

[0085] Among them, transaction volume refers to the number of transactions, and the risk probability is equal to the proportion of risk data in the acquired transaction data. Less transaction data corresponds to fewer transaction samples, and the risk cannot be accurately assessed. For example, the transaction volume in the early morning time period is relatively small. At this time, the bank may not be able to accurately assess the risk of the transaction, such as information theft, etc. The user's transaction risk is relatively high, which means that the user's transaction is not safe.

[0086] Specifically, step 602 may be performed to determine the partial order of the time periods by the following method:

[0087] When determining the partial order of time periods, for any two time periods, if the trading volume of the first time period of the two time periods is greater than or equal to the trading volume of the second time period of the two time periods, and the risk probability of the first time period is less than or equal to the risk probability of the second time period, then the first time period is determined to be superior to the second time period.

[0088] It should be noted that the maximum element of the partial order is that in the set corresponding to the partial order, no other element is better than the maximum element. In step 603, determining the maximum time period in the multiple time periods specifically means that there is no other time period such that the other time period is better than the maximum time period. There may be multiple maximum time periods in the multiple time periods.

[0089] In one embodiment, step 603: a method for determining a maximum time period among the multiple time periods according to the partial order of the time periods is as follows:

[0090] 1. Initializing a maximum flag corresponding to each of the multiple time periods to possible, and initializing a comparison flag corresponding to each time period to yes;

[0091] 2. For each of the multiple time periods, if the maximum mark corresponding to the time period is possible, select multiple other time periods whose corresponding comparison marks are yes from all other time periods except the time period in the multiple time periods, and then set the time period to be compared corresponding to the time period to the selected multiple other time periods; if the maximum mark corresponding to the time period is not possible, continue to perform step 2 for the next time period;

[0092] 3. Select each time period to be compared corresponding to the time period in turn, and confirm whether the time period to be compared is better than the time period; if the time period to be compared is better than the time period, set the maximum mark corresponding to the time period to no, and then continue to perform the above step 2 for the next time period; if the time period is better than the time period to be compared, set the maximum mark corresponding to the time period to be compared to no, and determine the time period to be compared as the secondary time period of the time period; otherwise, the maximum mark corresponding to the time period and the maximum mark corresponding to the time period to be compared remain unchanged;

[0093] 4. If it is confirmed that all the time periods to be compared in this time period are not better than this time period (that is, after comparing this time period with each corresponding time period to be compared in turn, the maximum mark corresponding to this time period is still possible), then this time period is determined as the maximum time period among the multiple time periods, and the comparison mark of each sub-time period of the maximum time period is updated to no.

[0094] 5. Then continue to execute step 2 for the next time period until the above steps are completed for all time periods in the multiple time periods.

[0095] In one embodiment of the present invention, the bank server corresponding to the mobile banking determines the transaction time range according to the geographical range, further comprising:

[0096] Determine a transaction volume threshold and a risk probability threshold according to the maximum time period among the multiple time periods determined (for example, set the maximum transaction volume of all the maximum time periods as the transaction volume threshold, and set the maximum risk probability of all the maximum time periods as the risk probability threshold);

[0097] The time periods in which the transaction volume is less than a preset transaction volume threshold or the risk probability is greater than a preset risk probability threshold are deleted from the multiple time periods, and the remaining time periods in the multiple time periods are determined as the transaction time range corresponding to the geographical range.

[0098] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned blockchain-based inter-bank transaction control method when executing the computer program.

[0099] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned blockchain-based inter-bank transaction control method.

[0100] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based inter-bank transaction control method.

[0101] In the embodiment of the present invention, compared with the technical solution in the prior art in which a user initiates a cash transaction (including deposits and withdrawals), and the user needs to provide a medium storing account information, such as a bank card, a passbook, or download a corresponding app, which causes inconvenience to the user in using bank services and poor user experience, the mobile banking initiates a cash transaction reservation request submitted by the user to the bank server corresponding to the mobile banking after the user's face verification is passed; the bank server corresponding to the mobile banking verifies whether the cash transaction reservation request is supported, and if supported, a serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in the database of the bank server, and the bank id, serial number and first hash value belonging to the bank server are uploaded to the blockchain, a QR code is generated according to the first hash value, and returned to the user; when the user conducts a cash transaction, the self-service terminal sends the first hash value in the QR code to the blockchain; after the blockchain finds the corresponding first hash value according to the first hash value, it determines whether there is a transaction completion identifier and a second hash value corresponding to the first hash value, and if not, the serial number and bank id are returned to the self-service terminal; The auxiliary terminal sends the serial number, the first hash value and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID; the bank server corresponding to the mobile banking of the bank ID determines whether the first hash value stored in the database of the bank server corresponding to the serial number is consistent with the first hash value sent by the self-service terminal. If they are consistent, it is confirmed whether the facial information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the facial information of the current user sent by the self-service terminal. If they are consistent, the reservation amount and transaction type in the cash transaction reservation request are fed back to the self-service terminal; the self-service terminal controls the cash transaction of the user according to the reservation amount and the transaction type, and stores the transaction information after the cash transaction is completed in the bank server corresponding to the self-service terminal; the bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, stores the first hash value, the serial number, the bank ID, the transaction completion mark and the second hash value in the blockchain; and sends the serial number, the first hash value and the transaction information to the bank server corresponding to the mobile banking of the bank ID; the bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information. The present invention can facilitate users to use banking services and improve user experience.

[0102] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0103] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0104] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0105] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0106] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A blockchain-based interbank transaction control method, characterized in that: include: After the user's face is verified, the mobile banking sends the cash transaction reservation request submitted by the user to the bank server corresponding to the mobile banking; The bank server corresponding to the mobile banking verifies whether the cash transaction reservation request is supported. If supported, a serial number and reservation success information are generated based on the cash transaction reservation request, a first hash value is generated according to the reservation success information, the reservation success information and the first hash value are stored in the database of the bank server, and the bank ID, serial number and first hash value belonging to the bank server are uploaded to the blockchain, a QR code is generated according to the first hash value, and the code is returned to the user; When a user conducts a cash transaction, the self-service terminal sends the first hash value in the QR code to the blockchain; After the blockchain finds the corresponding first hash value according to the first hash value, it determines whether there is a transaction completion identifier and a second hash value corresponding to the first hash value. If not, the serial number and the bank ID are returned to the self-service terminal; The self-service terminal sends the serial number, the first hash value and the facial information of the current user obtained on the self-service terminal to the bank server corresponding to the mobile banking of the bank ID; The bank server corresponding to the mobile banking of the bank ID determines whether the first hash value stored in the database of the bank server corresponding to the serial number is consistent with the first hash value sent by the self-service terminal. If they are consistent, confirm whether the face information of the user corresponding to the reservation success information stored in the database of the bank server corresponding to the serial number is consistent with the face information of the current user sent by the self-service terminal. If they are consistent, the reservation amount and transaction type in the cash transaction reservation request are fed back to the self-service terminal; The self-service terminal controls the user's cash transaction according to the reserved amount and transaction type, and stores the transaction information after the cash transaction is completed in the bank server corresponding to the self-service terminal; The bank server corresponding to the self-service terminal generates a second hash value according to the transaction information, stores the first hash value, the serial number, the bank ID, the transaction completion mark and the second hash value in the blockchain; and sends the serial number, the first hash value and the transaction information to the bank server corresponding to the mobile banking of the bank ID; The bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information; The cash transaction reservation application includes a validity period and a geographical scope; Also includes: The bank server corresponding to the mobile banking determines the transaction time range according to the geographical range, and feeds back the transaction time range to the user; When uploading the bank ID, serial number and first hash value to the blockchain, the bank server corresponding to the mobile banking also uploads the validity period, geographical scope and transaction time range to the blockchain; After the blockchain finds the corresponding first hash value according to the hash value and before determining whether there is a transaction completion identifier and a second hash value corresponding to the first hash value, it further determines whether the current time is within the validity period and the transaction time range, and whether the location of the self-service terminal is within the geographical range; If all are satisfied, determine whether there is a transaction completion identifier and a second hash value corresponding to the first hash value. If not, return the serial number and bank ID to the self-service terminal; The bank server corresponding to the mobile banking determines the transaction time range based on the geographical range, including: The bank server corresponding to the mobile banking obtains the transaction data of the bank branches within the geographical range and determines the transaction volume and risk probability of each time period in multiple time periods; Determine a partial order of time periods based on transaction volume and risk probability, wherein the partial order is used to determine whether the first time period is better than the second time period in any two time periods; Determining a maximum time segment among the multiple time segments according to the partial order of the time segments, wherein the maximum time segment is a maximum element of the partial order; Determine a maximum time period among the multiple time periods as a transaction time range corresponding to the geographical range; Determine the partial order of time periods based on transaction volume and risk probability, including: When determining the partial order of time periods, for any two time periods, if the trading volume of the first time period of the two time periods is greater than or equal to the trading volume of the second time period of the two time periods, and the risk probability of the first time period is less than or equal to the risk probability of the second time period, then the first time period is determined to be superior to the second time period.

2. The blockchain-based interbank transaction control method according to claim 1, characterized in that: Also includes: When the blockchain fails to find the corresponding first hash value according to the hash value, a non-existence mark is returned to the self-service terminal, and the self-service terminal rejects the transaction application of the user.

3. The inter-bank transaction control method based on blockchain as claimed in claim 1, characterized in that: Also includes: The self-service terminal sends the location information of the self-service terminal to the bank server corresponding to the mobile banking of the bank ID; The bank server corresponding to the mobile banking of the bank ID corrects the face matching threshold based on the location information, and determines whether the face of the current user sent by the self-service terminal is consistent with the face information of the user corresponding to the successful appointment information stored in the database of the bank server corresponding to the serial number based on the corrected face matching threshold.

4. The blockchain-based interbank transaction control method according to claim 1, characterized in that: The bank server corresponding to the mobile banking of the bank ID performs account processing on the user's account based on the received serial number, the first hash value and the transaction information, including: The bank server corresponding to the mobile banking of the bank ID sends the received serial number and the first hash value to the blockchain to obtain the corresponding second hash value; The bank server corresponding to the mobile banking of the bank ID generates a third hash value according to the received transaction information; The bank server corresponding to the mobile banking of the bank ID compares the second hash value and the third hash value, and performs account processing on the user's account based on the comparison result.

5. A blockchain-based interbank transaction control system, characterized in that: include: Mobile banking, a bank server corresponding to the mobile banking, a blockchain, a self-service terminal and a bank server corresponding to the self-service terminal are used to: implement the blockchain-based inter-bank transaction control method as described in any one of claims 1 to 4.

6. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the blockchain-based inter-bank transaction control method according to any one of claims 1 to 4 is implemented.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the blockchain-based inter-bank transaction control method according to any one of claims 1 to 4 is implemented.

8. A computer program product, characterized in that The computer program product includes a computer program, and when the computer program is executed by a processor, it implements the blockchain-based inter-bank transaction control method according to any one of claims 1 to 4.

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