Financial payment and supervision system and method

Abstract

The invention discloses a financial payment and supervision system and method. The system comprises a financial unit, a people bank, an electronic payment voucher library and a proxy bank, the financial unit, the people bank and the proxy bank belong to supervision parties, and the electronic payment voucher library is a database formed by transactions and transaction vouchers performed by each supervision party in an electronic mode. The first electronic certificate library, the second electronic certificate library and the third electronic certificate library are respectively a first electronic certificate library, a second electronic certificate library and a third electronic certificate library, and the first electronic certificate library, the second electronic certificate library and the third electronic certificate library form a block chain network. According to the invention, the payment supervision based on the block chain improves the implementation efficiency of the user side, ensures that the transaction operation is correct and compliant, any verification error indicates that the transaction is abnormal, and then the system performs backtracking revocation on the transaction and finds the source of the abnormality in combination with the transaction record table and the behavior voucher retained by each node.

Description

Technical Field

[0001] The present invention belongs to the technical field of financial payment and supervision, and specifically relates to an electronic financial payment and supervision system and method. Background Art

[0002] As an innovative measure in the fiscal management system of the new era, the electronicization of fiscal payment has cleverly integrated the power of modern information technology, transforming the traditional fiscal payment method into an electronic and networked payment method, changing the traditional paper document-dominated fund payment process. This method uses electronic vouchers, electronic signatures and other means to achieve electronic management of the entire process of fiscal funds from application, approval to payment, improve the efficiency of fiscal payment, and enhance the transparency and security of the use of fiscal funds.

[0003] Whether the data in the electronic process of fiscal payment is secure, whether the flow of fiscal funds is effectively monitored, whether fiscal payment and supervision are efficient, and whether the fiscal payment process is smooth are all issues that require existing technology.

[0004] In view of this, the present invention proposes a financial payment and supervision system and method to solve the above problems. Summary of the invention

[0005] The purpose of the present invention is to provide a financial payment and supervision system and method.

[0006] In order to achieve the above object, one of the technical solutions adopted by the present invention is:

[0007] A financial payment and supervision system is provided, including a financial unit, a people's bank, an electronic payment voucher library and an agent bank, wherein the financial unit, the people's bank and the agent bank are supervisors, and the electronic payment voucher library is a database formed by transactions and transaction vouchers conducted in an electronic manner by each supervisor, namely a first electronic voucher library, a second electronic voucher library and a third electronic voucher library, which form a blockchain network, and the first electronic voucher library or the second electronic voucher library or the third electronic voucher library is used to receive process record data of the corresponding supervisor, send the process record data to other electronic voucher libraries in the blockchain network for verification, and return confirmation results for the record data based on other electronic voucher libraries, so as to realize the joint supervision of the electronic financial process by the three parties.

[0008] In a feasible implementation, the first electronic credential library, the second electronic credential library, or the third electronic credential library includes two types of electronic credentials: payment credentials and behavior credentials.

[0009] In one possible implementation, payment vouchers use multi-signature technology to ensure that three supervisors jointly participate in the signing and confirmation process of each financial transaction.

[0010] In one feasible implementation, the behavior certificate is the intermediate result generated by the communication between different regulators during the transaction execution process, which is retained as a transaction trace to facilitate tracing the flow of funds and the source of the problem when problems arise.

[0011] The second technical solution adopted by the present invention is:

[0012] A financial payment and supervision method is provided, comprising the following steps: establishment of an electronic certificate library, including the electronic certificate for authenticating the identity of the user initiating the transaction and the transaction request being jointly authenticated and signed by three supervisors, and the electronic certificate automatically generated during the interaction between the two parties participating in the specific transaction operation during the transaction process being signed and verified; maintenance of the electronic certificate library, recording and maintaining the electronic certificate and transaction record table; interaction of the electronic certificate library, when executing a specific transaction operation, the transaction initiator will forward the involved electronic certificate, and the recipient will verify the electronic certificate. Only after the verification is successful will the subsequent specific transaction operation be executed. At the same time, the blockchain nodes corresponding to the two parties participating in the transaction operation will record their respective transaction behaviors in the transaction record table.

[0013] Beneficial effects of the present invention:

[0014] The present invention uses the three electronic certificate libraries of the blockchain as branch nodes, and provides blockchain-based services to specific users within the service scope through the branch nodes, including submission of record data and confirmation, so that the blockchain service can improve the efficiency of implementation on the user side and ensure that the transaction operation is correct and compliant. Any verification error indicates that the transaction is abnormal. After that, the system will combine the transaction record table and the behavior certificates retained by each node to trace back and cancel the transaction and find the source of the abnormality. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] Figure 1 The figure is a flowchart of the method of the present invention. DETAILED DESCRIPTION

[0016] See also Figure 1 , the embodiment of the present application provides a financial payment and supervision system, one of the technical solutions adopted by the present invention is:

[0017] A financial payment and supervision system is provided, including a financial unit, a people's bank, an electronic payment voucher library and an agent bank, wherein the financial unit, the people's bank and the agent bank are supervisors, and the electronic payment voucher library is a database formed by transactions and transaction vouchers conducted in an electronic manner by each supervisor, namely a first electronic voucher library, a second electronic voucher library and a third electronic voucher library, which form a blockchain network, and the first electronic voucher library or the second electronic voucher library or the third electronic voucher library is used to receive process record data of the corresponding supervisor, send the process record data to other electronic voucher libraries in the blockchain network for verification, and return confirmation results for the record data based on other electronic voucher libraries, so as to realize the joint supervision of the electronic financial process by the three parties.

[0018] In this embodiment, the first electronic credential library, the second electronic credential library, or the third electronic credential library includes two types of electronic credentials: payment credentials and behavior credentials.

[0019] The payment voucher of this embodiment uses multi-signature technology to ensure that three supervisors jointly participate in the signing and confirmation process of each financial transaction.

[0020] The behavior voucher of this embodiment is an intermediate result generated by the communication between different supervisory parties during the transaction execution process, and is retained as a transaction trace to facilitate tracing the flow of funds and the source of the problem when problems arise.

[0021] The second technical solution adopted by the present invention is:

[0022] A financial payment and supervision method is provided, comprising the following steps: establishment of an electronic certificate library, including the electronic certificate for authenticating the identity of the user initiating the transaction and the transaction request being jointly authenticated and signed by three supervisors, and the electronic certificate automatically generated during the interaction between the two parties participating in the specific transaction operation during the transaction process being signed and verified; maintenance of the electronic certificate library, recording and maintaining the electronic certificate and transaction record table; interaction of the electronic certificate library, when executing a specific transaction operation, the transaction initiator will forward the involved electronic certificate, and the recipient will verify the electronic certificate. Only after the verification is successful will the subsequent specific transaction operation be executed. At the same time, the blockchain nodes corresponding to the two parties participating in the transaction operation will record their respective transaction behaviors in the transaction record table.

[0023] Based on the above electronic voucher library, in the specific implementation of transaction settlement (including payment settlement and refund settlement), the supervision system of the present invention will conduct three verifications to ensure the correctness, compliance and fund security of the transaction. The relevant financial transaction processes involved in the system are as follows:

[0024] (1) The financial payment process is as follows: the financial unit sends the "Electronic Payment Voucher" of the payment transaction to the agent bank. After receiving the "Electronic Payment Voucher", the agent bank conducts a three-party signature verification. After the verification is successful, the payment transfer is carried out according to the payment details in the voucher. After the transfer is successful, the agent bank will generate an "Electronic Payment Voucher Receipt" with the signature and return it to the corresponding blockchain node of the financial unit for retention.

[0025] (2) The payment and settlement process is as follows: the financial unit will summarize and package the "Electronic Payment Voucher Receipt" signed and received to generate the "Electronic Payment Summary Settlement Amount Sheet" and send it to the People's Bank of China, and will assemble the "Electronic Payment Voucher" initiated into the "Electronic Payment Voucher List" and send it to the agent bank. The transaction details and total amount contained in the electronic vouchers sent to the People's Bank of China and the agent bank must be consistent. (The financial unit will conduct the first verification during the summary and packaging process: verify whether the details and amounts in the payment voucher and receipt corresponding to each transaction match. If they do not match, it means that the transaction is abnormal. The system will revoke the abnormal transaction in combination with the transaction record table, and revoke the payment voucher and behavior voucher issued to the transaction at the same time)

[0026] Based on the received "Electronic Payment Voucher List", the agent bank compiles the payment vouchers retained in this blockchain node into an "Electronic Payment Transfer Voucher List" and sends it to the People's Bank of China. (The agent bank will conduct a second match verification between the payment voucher list sent by the financial unit and the original payment voucher retained in this node)

[0027] The People's Bank of China will conduct clearing verification on the "Electronic Payment Summary Clearing Quota Sheet" and "Electronic Payment Transfer Voucher List" received from the other two parties respectively (the People's Bank of China will conduct a final third matching verification on the clearing quota sheet and transfer voucher list received from the other two parties). After the verification is successful, the funds will be cleared and remitted, and the "Electronic Payment Transfer Voucher Receipt" will be signed and sent to the corresponding blockchain nodes of the financial unit and the People's Bank of China for retention.

[0028] (3) The refund process is as follows: the agent bank generates an "Electronic Payment Fund Refund Notice" based on the original "Electronic Payment Voucher" and the original financial payment details, and then transfers the money and sends it to the financial unit with a seal, while ensuring that the financial unit successfully signs for it.

[0029] (4) The refund settlement process is as follows: the financial unit will summarize and package the "Electronic Payment Fund Refund Notice" signed and received to generate the "Electronic Payment Summary Settlement Amount Sheet" and send it to the People's Bank of China, and summarize the corresponding original "Electronic Payment Vouchers" into the "Electronic Payment Fund Refund Notice List" and send it to the agent bank. The refund details and total amount contained in the vouchers sent to the People's Bank of China and the agent bank must be consistent. (The financial unit will conduct the first verification during the summary and packaging process: verify whether the details and amounts in the original payment voucher and refund notice corresponding to each transaction match. If they do not match, it means that the transaction is abnormal. The system will revoke the abnormal transaction in combination with the transaction record table, and revoke the payment voucher and behavior voucher issued to the transaction at the same time)

[0030] Based on the received "Electronic Payment Fund Refund Notice List", the agent bank will compile the original "Electronic Payment Voucher" and list details retained in this blockchain node into the "Electronic Payment Refund Voucher List" and send it to the People's Bank of China. (The agent bank will conduct a second match verification between the refund notice list sent by the financial unit and the original payment voucher retained in this node)

[0031] The People's Bank of China will conduct clearing verification on the negative "Electronic Payment Summary Clearing Amount Sheet" and "Electronic Payment Refund Voucher List" received from the other two parties respectively (the People's Bank of China will conduct a final third matching verification on the clearing amount sheet and refund voucher list received from the other two parties). After the verification is successful, the funds will be returned to the treasury account. Finally, the People's Bank of China will sign and send the "Electronic Payment Refund Voucher Receipt" to the financial unit and the People's Bank of China for retention.

[0032] Through the above transaction process, it can be found that the three parties involved in the supervision of this system will verify the transaction once in the fund settlement link (including payment settlement and refund settlement) to ensure that the transaction operation is correct and compliant. Any verification error means that the transaction is abnormal. After that, the system will combine the transaction record table and the behavior vouchers retained by each node to trace back and cancel the transaction and find the source of the abnormality.

[0033] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A financial payment and supervision system, characterized in that: It includes financial units, the People's Bank of China, an electronic payment voucher library and an agent bank. The financial units, the People's Bank of China and the agent bank are regulators. The electronic payment voucher library is a database formed by transactions and transaction vouchers conducted electronically by each regulator, which are respectively the first electronic voucher library, the second electronic voucher library and the third electronic voucher library. The first electronic voucher library, the second electronic voucher library and the third electronic voucher library form a blockchain network. The first electronic voucher library or the second electronic voucher library or the third electronic voucher library is used to receive the process record data of the corresponding regulator, send the process record data to other electronic voucher libraries in the blockchain network for verification, and return confirmation results based on the record data from other electronic voucher libraries, so as to realize the joint supervision of the electronic financial process by the three parties.

2. A financial payment and supervision system according to claim 1, characterized in that: The first electronic credential library, the second electronic credential library, or the third electronic credential library includes two types of electronic credentials: payment credentials and behavior credentials.

3. The financial payment and supervision system according to claim 2 is characterized in that: The payment voucher uses multi-signature technology to ensure that three supervisors jointly participate in the signing and confirmation process of each financial transaction.

4. The financial payment and supervision system according to claim 3 is characterized in that: The behavior certificate is an intermediate result generated by the communication between different supervisory parties during the transaction execution process. It is retained as a transaction trace to facilitate tracing the flow of funds and the source of the problem when problems arise.

5. A financial payment and supervision method, characterized in that: The following steps are involved: The establishment of the electronic certificate library, including the electronic certificate for authenticating the identity of the user initiating the transaction and the transaction request, is jointly authenticated and signed by three supervisory parties; the electronic certificate automatically generated during the interaction between the two parties involved in the specific transaction operation during the transaction is signed and verified; the maintenance of the electronic certificate library, recording and maintaining the electronic certificate and transaction record table; the interaction of the electronic certificate library, when executing a specific transaction operation, the transaction initiator will forward the electronic certificate involved, and the recipient will verify the electronic certificate. Only after the verification is successful will the subsequent specific transaction operation be executed. At the same time, the blockchain nodes corresponding to the two parties involved in the transaction operation will record their respective transaction behaviors in the transaction record table.

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