Payment service processing method and device based on block chain

Abstract

The invention discloses a block chain-based payment service processing method and device, relates to the technical field of block chains, can be used in the financial field, and the method comprises the steps: obtaining payment document data generated when a user processes each link of a payment service; and after the data verification is passed, sending the payment document data to a block chain accounting node in the block chain system, so that the block chain accounting node carries out uplink storage on the payment document data, and the block chain accounting node carries out uplink storage on the payment document data after the business process of the payment business is processed. And carrying out consistency verification on plaintext data in the payment document data of all links of the payment service, and sending the payment document data of all links to a banking service system after verification is passed, so that the banking service system carries out payment processing. According to the invention, the security of public payment business can be improved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain and financial payment technology, and in particular to a payment service processing method and device based on blockchain. Background Art

[0002] Bank-to-corporate payment services refer to a series of payment services provided by banks to enterprises (corporate customers), including but not limited to enterprise-to-bank transfers, tax payments, salary payments, supplier payments, etc. This service is mainly to facilitate the flow of funds in the daily operations of enterprises and ensure safe and efficient settlement of funds.

[0003] At present, bank payment services usually use U-shield to ensure payment security. U-shield can encrypt business data and enhance the security of the payment process. However, there is still a risk of user terminals being attacked and data being tampered with. The current technical solutions are still insufficient in improving the security of public payment business processing, and a more secure solution is urgently needed to deal with these potential threats. Summary of the invention

[0004] In order to solve at least one technical problem in the above-mentioned background technology, the present invention proposes a payment service processing method and device based on blockchain.

[0005] In order to achieve the above object, according to one aspect of the present invention, a payment service processing method based on blockchain is provided, the method comprising:

[0006] Obtain payment document data generated when users process each link of payment business;

[0007] Sending the payment document data to the blockchain signature verification node in the blockchain system for data verification;

[0008] After the data verification is passed, the payment document data is sent to the blockchain account node in the blockchain system, so that the blockchain account node stores the payment document data on the chain, wherein, after the business process processing of the payment business is completed, the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business, and after the verification is passed, the payment document data of all links are sent to the banking business system, so that the banking business system performs payment processing.

[0009] In order to achieve the above object, according to another aspect of the present invention, a payment service processing device based on blockchain is provided, the device comprising:

[0010] A payment document data acquisition unit, used to acquire payment document data generated when a user processes each link of a payment service;

[0011] A data verification unit, used to send the payment document data to a blockchain signature verification node in the blockchain system for data verification;

[0012] The on-chain storage unit is used to send the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node can store the payment document data on the chain, wherein the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business after the business process processing of the payment business is completed, and sends the payment document data of all links to the banking business system after the verification is passed, so that the banking business system can perform payment processing.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present invention, a computer device is further provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned blockchain-based payment service processing method when executing the computer program.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present invention, a computer-readable storage medium is further provided, on which a computer program / instruction is stored, and when the computer program / instruction is executed by a processor, the steps of the above-mentioned blockchain-based payment business processing method are implemented.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present invention, a computer program product is also provided, including a computer program / instruction, which, when executed by a processor, implements the steps of the above-mentioned blockchain-based payment service processing method.

[0016] The beneficial effects of the present invention are:

[0017] The present invention stores the payment document data of each link of the payment business on the chain after verification, and utilizes the tamper-proof characteristics of the blockchain to effectively prevent the data of any link in the payment business from being tampered with, thereby improving the security of the payment business. In addition, the present invention also performs consistency verification on the payment document data of all links of the payment business, further improving the security of the payment business. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] 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 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:

[0019] Figure 1 This is a first flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention;

[0020] Figure 2 is a second flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention;

[0021] Figure 3 is a third flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention;

[0022] Figure 4 is a fourth flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention;

[0023] Figure 5 is a fifth flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention;

[0024] Figure 6 is a schematic diagram of an application scenario of an embodiment of the present invention;

[0025] Figure 7 It is a structural block diagram of a payment service processing device based on blockchain according to an embodiment of the present invention;

[0026] Figure 8 It is a schematic diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0028] 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.

[0029] It should be noted that the terms "including" and "having" and any variations thereof in the specification and claims of the present invention and the above-mentioned drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or apparatus.

[0030] It should be noted that, in the absence of conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The present invention will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0031] It should be noted that the information collected in the technical solution of this application is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0032] It should be noted that the technical solution of this application provides users with corresponding operation entrances for them to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0033] It should be noted that the payment service processing method and device based on blockchain of the present invention can be used in the financial field, and can also be used in any field other than the financial field. The application field of the payment service processing method and device based on blockchain of the present invention is not limited.

[0034] Figure 6 FIG. 1 is a schematic diagram of an application scenario of an embodiment of the present invention. Figure 6 As shown, the application scenario of the present invention includes: a public payment platform, a blockchain system and a banking system. The public payment platform is connected to the blockchain system, and the blockchain system is connected to the banking system. The blockchain system includes: a blockchain signature verification node and a blockchain account node. When an enterprise user initiates a payment service on the public payment platform, the payment document data generated in each link of the payment service will be stored on the chain in the blockchain system. The blockchain system will verify the data. After the verification is passed, the blockchain system will send the payment document data to the banking system, and the banking system will process the payment.

[0035] It should be noted that the payment service processing method based on blockchain in the following embodiments of the present invention is applied to the public payment platform, that is, the executor of the payment service processing method based on blockchain in the following embodiments of the present invention is the public payment platform.

[0036] Figure 1 is a first flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention, such as Figure 1 As shown, in one embodiment of the present invention, the blockchain-based payment service processing method of the present invention includes steps S101 to S103.

[0037] Step S101, obtaining payment document data generated when the user processes each link of the payment service.

[0038] In the present invention, the business process of a payment service includes payment creation link, payment submission link, payment approval link and payment sending link from beginning to end.

[0039] Payment creation phase: At this stage, users can create a new payment transaction. It is worth noting that the payment transaction created at this stage can be withdrawn, so that users can modify or cancel the operation.

[0040] Payment submission stage: users submit the created payment business in this stage. It should be emphasized that the payment business after submission is irrevocable, and the result can only be "payment successful" or "payment failed".

[0041] Payment approval stage: In this stage, the internal auditors of the company will review and confirm the submitted payment business. Only after the review is passed will the next step be entered.

[0042] Payment sending stage: After final confirmation, this stage will send the approved payment business to the banking business system for processing and payment.

[0043] This series of links ensures the standardization of the payment process, the rigor of the review and the security of the final payment.

[0044] Step S102: Send the payment document data to the blockchain signature verification node in the blockchain system for data verification.

[0045] In the present invention, the payment document data in each link of the payment business needs to be verified by the blockchain signature verification node.

[0046] Step S103, after the data verification is passed, the payment document data is sent to the blockchain account node in the blockchain system, so that the blockchain account node stores the payment document data on the chain, wherein, after the business process processing of the payment business is completed, the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business, and after the verification is passed, the payment document data of all links are sent to the banking business system, so that the banking business system performs payment processing.

[0047] In the present invention, the payment document data generated in each link of the payment business will be uploaded and stored in the blockchain system. The tamper-proof characteristics of the blockchain can be used to effectively prevent the data in any link of the payment business from being tampered with, thereby improving the security of the payment business. In addition, the present invention also performs consistency verification on the payment document data of all links of the payment business, further improving the security of the payment business.

[0048] Figure 2 is a second flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention, such as Figure 2 As shown, in one embodiment of the present invention, the blockchain-based payment business processing method of the present invention also includes steps S201 to S203, wherein step S201 is a sub-step of the above-mentioned step S101, step S202 is a sub-step of the above-mentioned step S102, and step S203 is a sub-step of the above-mentioned step S103.

[0049] Step S201, obtaining first plaintext data of the payment document created by the user in the payment creation link and first ciphertext data obtained by encrypting the created payment document through the U shield of the user.

[0050] In the present invention, in the payment creation link, the user needs to insert the U shield, and inserting the U shield will authenticate the user. After the user completes the creation of the payment document, the U shield will sign the plaintext data (i.e., the first plaintext data) of the created payment document to generate the first ciphertext data. Specifically, the U shield signs the plaintext data through the digital certificate in itself.

[0051] Step S202: Send the first plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the first plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data.

[0052] In one embodiment of the present invention, the blockchain signature verification node includes a CA authentication server, and the CA authentication server stores the root certificate of each user's USB shield. When performing data verification, the blockchain signature verification node can encrypt the first plaintext data according to the root certificate of the user's USB shield, and then compare the encrypted data with the first ciphertext data to see if they are consistent. If they are consistent, the verification is passed, and if they are inconsistent, the verification fails.

[0053] Step S203, after the blockchain signature verification node data is verified, the first plaintext data and the first ciphertext data are sent to the blockchain account node, so that the blockchain account node stores the first plaintext data and the first ciphertext data on the chain.

[0054] In one embodiment of the present invention, after the data verification is passed, the present invention uploads the payment document data (i.e., the first plaintext data and the first ciphertext data) of the payment creation link to the blockchain in the blockchain system through the blockchain account node, and the blockchain performs data storage.

[0055] In one embodiment of the present invention, a unique transaction tracking number is set for each payment business, and the payment document data of each link of each payment business is associated with the transaction tracking number, so that the payment document data of each link of the payment business can be quickly found in the blockchain according to the transaction tracking number.

[0056] Figure 3 is a third flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention, such as Figure 3 As shown, in one embodiment of the present invention, the blockchain-based payment business processing method of the present invention also includes steps S301 to S303, wherein step S301 is a sub-step of the above-mentioned step S101, step S302 is a sub-step of the above-mentioned step S102, and step S303 is a sub-step of the above-mentioned step S103.

[0057] Step S301, obtaining the second plaintext data of the payment document submitted by the user in the payment submission phase.

[0058] In the present invention, when the user confirms that the payment document created in the payment creation phase is correct, the payment submission phase is entered, and the user can submit the payment business. The submitted payment business is irrevocable, and the result can only be "payment successful" or "payment failed".

[0059] Step S302: Send the second plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the second plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data.

[0060] In the present invention, for the same payment business, the payment document submitted in the payment submission link and the payment document created in the payment creation link need to be consistent. If they are inconsistent, data tampering may have occurred. Therefore, the present invention needs to verify the payment document submitted by the user in the payment submission link. When performing data verification, the blockchain signature verification node can encrypt the second plaintext data according to the root certificate of the user's U shield, and then compare the encrypted data with the first ciphertext data to see if they are consistent. If they are consistent, it means that the payment document submitted in the payment submission link and the payment document created in the payment creation link are consistent in content, and the verification is passed. If they are inconsistent, the verification fails.

[0061] Step S303, after the blockchain signature verification node data is verified, the second plaintext data is sent to the blockchain account node, so that the blockchain account node stores the second plaintext data on the chain.

[0062] In one embodiment of the present invention, after the data verification is passed, the present invention links the payment document data (i.e., the second plaintext data) submitted by the user in the payment submission link to the blockchain in the blockchain system through the blockchain account node, and the blockchain performs data storage.

[0063] Figure 4 is a fourth flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention, such as Figure 4 As shown, in one embodiment of the present invention, the blockchain-based payment business processing method of the present invention also includes steps S401 to S403, wherein step S401 is a sub-step of the above-mentioned step S101, step S402 is a sub-step of the above-mentioned step S102, and step S403 is a sub-step of the above-mentioned step S103.

[0064] Step S401, obtaining the third plaintext data of the payment document approved by the user in the payment approval link.

[0065] In the present invention, after the user submits the payment service in the payment submission link, it enters the payment approval link. In this link, the user's internal approval position needs to approve the submitted payment service. In this step, the present invention obtains the plain text data of the payment document approved by the user.

[0066] Step S402: Send the third plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the third plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data.

[0067] In the present invention, for the same payment business, the payment document approved by the payment approval link needs to be consistent with the payment document submitted by the payment submission link and the payment document created by the payment creation link. If they are inconsistent, data tampering may have occurred. Therefore, the present invention needs to verify the payment document approved by the user in the payment approval link. When performing data verification, the blockchain verification node can encrypt the third plaintext data according to the root certificate of the user's U shield, and then compare the encrypted data with the first ciphertext data to see if they are consistent. If they are consistent, it means that the payment document approved by the payment approval link and the payment document created by the payment creation link are consistent in content, and the verification is passed. If they are inconsistent, the verification fails.

[0068] Step S403, after the blockchain signature verification node data is verified, the third plaintext data is sent to the blockchain account node, so that the blockchain account node stores the third plaintext data on the chain.

[0069] In one embodiment of the present invention, after the data verification is passed, the present invention links the payment document data (i.e., the third plaintext data) approved by the user in the payment approval link to the blockchain in the blockchain system through the blockchain account node, and the blockchain performs data storage.

[0070] Figure 5 is a fifth flow chart of a payment service processing method based on blockchain according to an embodiment of the present invention, such as Figure 5 As shown, in one embodiment of the present invention, the blockchain-based payment business processing method of the present invention also includes steps S501 to S503, wherein step S501 is a sub-step of the above-mentioned step S101, step S502 is a sub-step of the above-mentioned step S102, and step S503 is a sub-step of the above-mentioned step S103.

[0071] Step S501, obtaining fourth plaintext data of the payment document determined to be sent by the user in the payment sending link and second ciphertext data obtained by encrypting the fourth plaintext data through the U shield.

[0072] In the present invention, the payment sending link is to submit the payment service to the banking system, and the banking system will make the payment. In the payment sending link, the user needs to insert the U shield again, and the user's identity will be authenticated first when the U shield is inserted. After the user determines to send the payment document in the payment sending link, the U shield will sign the plaintext data of the payment document (i.e., the fourth plaintext data) to generate the second ciphertext data. Specifically, the U shield signs the plaintext data through the digital certificate in itself.

[0073] Step S502: Send the fourth plaintext data and the second ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the fourth plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the second ciphertext data.

[0074] In one embodiment of the present invention, the blockchain signature verification node can encrypt the fourth plaintext data according to the root certificate of the user's U shield, and then compare the encrypted data with the second ciphertext data to see if they are consistent. If they are consistent, the verification is successful; if they are inconsistent, the verification fails.

[0075] Step S503, after the blockchain signature verification node data is verified, the fourth plaintext data and the second ciphertext data are sent to the blockchain account node, so that the blockchain account node stores the fourth plaintext data and the second ciphertext data on the chain.

[0076] In one embodiment of the present invention, after the data verification is passed, the present invention uploads the payment document data (i.e., the fourth plaintext data and the second ciphertext data) of the payment sending link to the blockchain in the blockchain system through the blockchain account node, and the blockchain performs data storage.

[0077] In one embodiment of the present invention, after the blockchain account node stores the payment document data (i.e., the fourth plaintext data and the second ciphertext data) of the payment sending link on the chain, the business process processing of the payment service is completed. At this time, the blockchain account node performs a consistency check on the plaintext data in the payment document data of all links. After the consistency check is passed, the payment document data of all links are sent to the banking business system so that the banking business system can perform payment processing.

[0078] In one embodiment of the present invention, the step S103 of performing consistency check on the plaintext data in the payment document data of all links of the payment service includes:

[0079] A consistency check is performed on preset data items in the first plaintext data, the second plaintext data, the third plaintext data, and the fourth plaintext data.

[0080] In one embodiment of the present invention, the preset data items specifically include: payer name, payee name, payer account number, payee account number, amount, etc.

[0081] In one embodiment of the present invention, the consistency check of the plaintext data in the payment document data of all links of the payment business in the above step S103 specifically includes: verifying whether the first plaintext data, the second plaintext data, the third plaintext data and the fourth plaintext data are completely consistent.

[0082] In one embodiment of the present invention, the step S103 of sending the payment document data of all links to a banking system so that the banking system performs payment processing includes:

[0083] The payment document data of all the links are sent to the banking business system, so that the banking business system calls the blockchain signature verification node to verify the payment document data of all the links, and performs payment processing after the data verification is passed.

[0084] In one embodiment of the present invention, the blockchain account node specifically sends the first plaintext data, the second plaintext data, the third plaintext data, the fourth plaintext data, the first ciphertext data and the second ciphertext data to the banking business system, and the banking business system calls the blockchain signature verification node to re-verify the first plaintext data, the second plaintext data, the third plaintext data, the fourth plaintext data, the first ciphertext data and the second ciphertext data. After the verification is passed, the banking business system performs payment processing.

[0085] In one embodiment of the present invention, the specific process of calling the blockchain signature verification node to verify the payment document data of all links is consistent with the data verification process of the above-mentioned steps S202, S302, S402 and S502.

[0086] It can be seen from the above embodiments that the payment service processing method based on blockchain of the present invention achieves at least the following beneficial effects:

[0087] 1. Based on the U-Shield, the present invention adopts blockchain technology to store data in various links of the payment business on the chain, further improving the security of the payment business;

[0088] 2. The present invention verifies the data of each link in the payment business multiple times, thereby improving the security of the payment business.

[0089] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0090] Based on the same inventive concept, an embodiment of the present invention also provides a payment service processing device based on blockchain, which can be used to implement the payment service processing method based on blockchain described in the above embodiment, as described in the following embodiment. Since the principle of solving the problem by the payment service processing device based on blockchain is similar to that of the payment service processing method based on blockchain, the embodiment of the payment service processing device based on blockchain can refer to the embodiment of the payment service processing method based on blockchain, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0091] Figure 7 : is a structural block diagram of a payment service processing device based on blockchain according to an embodiment of the present invention. Figure 7As shown, in one embodiment of the present invention, the payment service processing device based on blockchain of the present invention includes:

[0092] The payment document data acquisition unit 1 is used to acquire the payment document data generated when the user processes each link of the payment service;

[0093] Data verification unit 2, used to send the payment document data to the blockchain signature verification node in the blockchain system for data verification;

[0094] The on-chain storage unit 3 is used to send the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node can store the payment document data on the chain, wherein, after the business process processing of the payment business is completed, the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business, and sends the payment document data of all links to the banking business system after the verification is passed, so that the banking business system can perform payment processing.

[0095] In one embodiment of the present invention, the payment document data acquisition unit 1 includes: a first data acquisition module, which is used to acquire first plaintext data of the payment document created by the user in the payment creation link and first ciphertext data obtained by encrypting the created payment document through the U shield of the user;

[0096] The data verification unit 2 includes: a first data verification module, configured to send the first plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the first plaintext data based on the root certificate of the U-shield, and performs data verification by comparing the encrypted data with the first ciphertext data;

[0097] The on-chain storage unit 3 includes: a first on-chain storage module, which is used to send the first plaintext data and the first ciphertext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the first plaintext data and the first ciphertext data on the chain.

[0098] In one embodiment of the present invention, the payment document data acquisition unit 1 further includes: a second data acquisition module, configured to acquire second plaintext data of the payment document submitted by the user in the payment submission link;

[0099] The data verification unit 2 further includes: a second data verification module, configured to send the second plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the second plaintext data based on the root certificate of the U-shield, and performs data verification by comparing the encrypted data with the first ciphertext data;

[0100] The on-chain storage unit 3 also includes: a second on-chain storage module, which is used to send the second plaintext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the second plaintext data on the chain.

[0101] In one embodiment of the present invention, the payment document data acquisition unit 1 further includes: a third data acquisition module, configured to acquire third plaintext data of the payment document approved by the user in the payment approval link;

[0102] The data verification unit 2 further includes: a third data verification module, configured to send the third plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the third plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data;

[0103] The on-chain storage unit 3 also includes: a third on-chain storage module, which is used to send the third plaintext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the third plaintext data on the chain.

[0104] In one embodiment of the present invention, the payment document data acquisition unit 1 further includes: a fourth data acquisition module, configured to acquire fourth plaintext data of the payment document determined to be sent by the user in the payment sending link and second ciphertext data obtained by encrypting the fourth plaintext data by the U shield;

[0105] The data verification unit 2 further includes: a fourth data verification module, configured to send the fourth plaintext data and the second ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the fourth plaintext data based on the root certificate of the U-Shield, and performs data verification by comparing the encrypted data with the second ciphertext data;

[0106] The on-chain storage unit 3 also includes: a fourth on-chain storage module, which is used to send the fourth plaintext data and the second ciphertext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node can store the fourth plaintext data and the second ciphertext data on the chain.

[0107] In one embodiment of the present invention, the consistency check of the plaintext data in the payment document data of all links of the payment service includes:

[0108] A consistency check is performed on preset data items in the first plaintext data, the second plaintext data, the third plaintext data, and the fourth plaintext data.

[0109] In one embodiment of the present invention, sending the payment document data of all the links to a banking system so that the banking system performs payment processing includes:

[0110] The payment document data of all the links are sent to the banking business system, so that the banking business system calls the blockchain signature verification node to verify the payment document data of all the links, and performs payment processing after the data verification is passed.

[0111] In order to achieve the above object, according to another aspect of the present application, a computer device is also provided. Figure 8 As shown, the computer device includes a memory, a processor, a communication interface and a communication bus. A computer program that can be executed on the processor is stored in the memory. When the processor executes the computer program, the steps in the above-mentioned embodiment method are implemented.

[0112] The processor may be a central processing unit (CPU). The processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or a combination of the above chips.

[0113] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer executable programs and units, such as the corresponding program units in the above method embodiments of the present invention. The processor executes various functional applications of the processor and works data processing by running the non-transitory software programs, instructions and modules stored in the memory, that is, implementing the method in the above method embodiments.

[0114] The memory may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created by the processor, etc. In addition, the memory may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0115] The one or more units are stored in the memory, and when executed by the processor, the method in the above embodiment is performed.

[0116] The specific details of the above-mentioned computer device can be understood by referring to the corresponding related descriptions and effects in the above-mentioned embodiments, and will not be repeated here.

[0117] In order to achieve the above purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium stores a computer program, and the computer program implements the steps in the above-mentioned blockchain-based payment service processing method when executed in a computer processor. Those skilled in the art can understand that the implementation of all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium, and the program can include the processes of the embodiments of the above-mentioned methods when executed. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory (Flash Memory), a hard disk (Hard Disk Drive, abbreviated as: HDD) or a solid-state drive (SSD), etc.; the storage medium can also include a combination of the above-mentioned types of memory.

[0118] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is also provided, including a computer program / instruction, which implements the steps of the above-mentioned blockchain-based payment business processing method when executed by a processor.

[0119] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0120] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A payment service processing method based on blockchain, characterized in that: include: Obtain payment document data generated when users process each link of payment business; Sending the payment document data to the blockchain signature verification node in the blockchain system for data verification; After the data verification is passed, the payment document data is sent to the blockchain account node in the blockchain system, so that the blockchain account node stores the payment document data on the chain, wherein, after the business process processing of the payment business is completed, the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business, and after the verification is passed, the payment document data of all links are sent to the banking business system, so that the banking business system performs payment processing.

2. The payment service processing method based on blockchain according to claim 1, characterized in that: The acquisition of payment document data generated when the user processes each link of the payment service includes: Acquire first plaintext data of the payment document created by the user in the payment creation link and first ciphertext data obtained by encrypting the created payment document through the U shield of the user; The step of sending the payment document data to a blockchain signature verification node in a blockchain system for data verification includes: Sending the first plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the first plaintext data based on the root certificate of the USB-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The step of sending the payment document data to a blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node stores the payment document data on the blockchain, includes: After the blockchain signature verification node passes the data verification, the first plaintext data and the first ciphertext data are sent to the blockchain account node, so that the blockchain account node stores the first plaintext data and the first ciphertext data on the chain.

3. The payment service processing method based on blockchain according to claim 2 is characterized in that: The obtaining of payment document data generated when the user processes each link of the payment service also includes: Acquire second plaintext data of the payment document submitted by the user during the payment submission phase; The step of sending the payment document data to a blockchain signature verification node in the blockchain system for data verification also includes: Sending the second plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the second plaintext data based on the root certificate of the USB-Shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The method of sending the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node stores the payment document data on the blockchain, further comprising: After the blockchain signature verification node passes the data verification, the second plaintext data is sent to the blockchain account node, so that the blockchain account node stores the second plaintext data on the chain.

4. The payment service processing method based on blockchain according to claim 3 is characterized in that: The obtaining of payment document data generated when the user processes each link of the payment service also includes: Obtaining third plaintext data of the payment document approved by the user in the payment approval link; The step of sending the payment document data to a blockchain signature verification node in the blockchain system for data verification also includes: Sending the third plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the third plaintext data based on the root certificate of the USB shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The method of sending the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node stores the payment document data on the blockchain, further comprising: After the blockchain signature verification node passes the data verification, the third plaintext data is sent to the blockchain account node, so that the blockchain account node stores the third plaintext data on the chain.

5. The payment service processing method based on blockchain according to claim 4 is characterized in that: The obtaining of payment document data generated when the user processes each link of the payment service also includes: Acquire fourth plaintext data of the payment document determined to be sent by the user in the payment sending link and second ciphertext data obtained by encrypting the fourth plaintext data by using the U shield; The step of sending the payment document data to a blockchain signature verification node in the blockchain system for data verification also includes: Sending the fourth plaintext data and the second ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the fourth plaintext data based on the root certificate of the USB shield, and performs data verification by comparing the encrypted data with the second ciphertext data; The method of sending the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node stores the payment document data on the blockchain, further comprising: After the blockchain signature verification node passes the data verification, the fourth plaintext data and the second ciphertext data are sent to the blockchain account node, so that the blockchain account node stores the fourth plaintext data and the second ciphertext data on the chain.

6. The payment service processing method based on blockchain according to claim 5 is characterized in that: The consistency check of the plaintext data in the payment document data of all links of the payment business includes: A consistency check is performed on preset data items in the first plaintext data, the second plaintext data, the third plaintext data, and the fourth plaintext data.

7. The payment service processing method based on blockchain according to claim 1, characterized in that: Sending the payment document data of all the links to a banking system so that the banking system performs payment processing, including: The payment document data of all the links are sent to the banking business system, so that the banking business system calls the blockchain signature verification node to verify the payment document data of all the links, and performs payment processing after the data verification is passed.

8. A payment service processing device based on blockchain, characterized in that: include: A payment document data acquisition unit, used to acquire payment document data generated when a user processes each link of a payment service; A data verification unit, used to send the payment document data to a blockchain signature verification node in the blockchain system for data verification; The on-chain storage unit is used to send the payment document data to the blockchain account node in the blockchain system after the data verification is passed, so that the blockchain account node can store the payment document data on the chain, wherein the blockchain account node performs consistency verification on the plaintext data in the payment document data of all links of the payment business after the business process processing of the payment business is completed, and sends the payment document data of all links to the banking business system after the verification is passed, so that the banking business system can perform payment processing.

9. The payment service processing device based on blockchain according to claim 8, characterized in that: The payment document data acquisition unit includes: A first data acquisition module, used to acquire first plaintext data of the payment document created by the user in the payment creation link and first ciphertext data obtained by encrypting the created payment document through the U shield of the user; The data verification unit comprises: A first data verification module, configured to send the first plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the first plaintext data based on the root certificate of the USB-shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The uplink storage unit comprises: The first on-chain storage module is used to send the first plaintext data and the first ciphertext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the first plaintext data and the first ciphertext data on the chain.

10. The payment service processing device based on blockchain according to claim 9, characterized in that: The payment document data acquisition unit further includes: A second data acquisition module, used to acquire second plaintext data of the payment document submitted by the user in the payment submission link; The data verification unit further includes: A second data verification module, configured to send the second plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the second plaintext data based on the root certificate of the USB-shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The uplink storage unit further includes: The second on-chain storage module is used to send the second plaintext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the second plaintext data on the chain.

11. The payment service processing device based on blockchain according to claim 10, characterized in that: The payment document data acquisition unit further includes: A third data acquisition module, used to acquire third plaintext data of the payment document approved by the user in the payment approval link; The data verification unit further includes: A third data verification module, configured to send the third plaintext data and the first ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the third plaintext data based on the root certificate of the USB-shield, and performs data verification by comparing the encrypted data with the first ciphertext data; The uplink storage unit further includes: The third on-chain storage module is used to send the third plaintext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the third plaintext data on the chain.

12. The payment service processing device based on blockchain according to claim 11, characterized in that: The payment document data acquisition unit further includes: A fourth data acquisition module, used to acquire fourth plaintext data of the payment document determined to be sent by the user in the payment sending link and second ciphertext data obtained by encrypting the fourth plaintext data by using the U shield; The data verification unit further includes: A fourth data verification module, configured to send the fourth plaintext data and the second ciphertext data to the blockchain signature verification node, so that the blockchain signature verification node encrypts the fourth plaintext data based on the root certificate of the USB-shield, and performs data verification by comparing the encrypted data with the second ciphertext data; The uplink storage unit further includes: The fourth on-chain storage module is used to send the fourth plaintext data and the second ciphertext data to the blockchain account node after the blockchain signature verification node data is verified, so that the blockchain account node stores the fourth plaintext data and the second ciphertext data on the chain.

13. 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 steps of the method according to any one of claims 1 to 7 are implemented.

14. A computer-readable storage medium having a computer program / instruction stored thereon, characterized in that: When the computer program / instructions are executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

15. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

Images