Banking business tamper-proof and non-repudiation method, device and equipment
By constructing blockchain data based on the SM3 algorithm in banking operations, combined with customer and device information, the problem of data tampering caused by customer repudiation is solved, ensuring the authenticity and immutability of information and improving the non-repudiation capability of banking operations.
Patent Information
- Application Number
- CN202511076479.1
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-08-01
- Publication Date
- 2025-11-04
AI Technical Summary
Customer repudiation occurs in banking operations, leading to data tampering and legal disputes. Existing electronic evidence storage systems lack authoritative verification mechanisms, making it difficult to ensure the authenticity and immutability of business information.
By acquiring bank customers' identity information, device information, business processing information, and business result receipt information, blockchain data is constructed using the SM3 cryptographic hash algorithm to ensure the immutability and non-repudiation of the information.
It ensures the authenticity and immutability of banking business information, enhances non-repudiation capabilities, simplifies the evidence verification process for judicial institutions, and reduces server computing resource consumption.
Smart Images
Figure CN120893081A_ABST
Abstract
Description
TECHNICAL FIELD
[0001] The present application relates to the technical field of computer, in particular to a bank business anti-tampering and anti-repudiation method, device and equipment. BACKGROUND
[0002] With the rapid development of social economy, as the center of financial services, artificial will often go to the bank to handle various financial related business.
[0003] However, in the bank business handling scene, there are customers who occasionally deny the related business they have handled. Such behavior mainly manifests that the customer denies the effectiveness of the signed contract afterwards, questions the authenticity of the transaction or evades the performance of the contract, which leads to the legal litigation risk and asset loss of the bank. Under the traditional business mode, the bank relies on paper vouchers or centralized electronic systems to store business data, but paper files are easy to damage, tamper and difficult to trace; the existing electronic storage system mostly adopts a centralized database architecture, and the data storage and verification process is closed. Once tampered by internal personnel or attacked externally, the integrity and credibility of the business record will be fundamentally questioned, and the lack of authoritative third-party verification mechanism makes the customer question the related business. SUMMARY
[0004] The main purpose of the embodiment of the present application is to provide a bank business anti-tampering and anti-repudiation method, device and equipment, which combines the identity information of the bank customer, the device information, the business handling information, the business result receipt information and the like, constructs related blockchain data, and thus ensures the authenticity and non-tamperability of the information of the business handling.
[0005] The embodiment of the present application provides a bank business anti-tampering and anti-repudiation method, which comprises:
[0006] obtaining business related data generated when a target bank handles N pieces of business for a target user; the business related data comprises target user identity information data, device data of the target bank handling business for the target user, business handling information data and business result receipt information data; N is a positive integer greater than 0;
[0007] According to the target user identity information data, the device data of the target bank handling business for the target user, the business handling information data, the business result receipt information data and the time stamp information of the current device, the SM3 cryptographic hash algorithm is used to calculate the related hash information of each piece of business;
[0008] The SM3 cryptographic hash algorithm is used to comprehensively calculate the related hash information of the N pieces of business, and the business hash information of the business handled by the current device in one day is obtained;
[0009] Similarly, the SM3 cryptographic hash algorithm is used to calculate the hash information of the target bank's nationwide business on the same day, which constitutes the entire target bank business blockchain data.
[0010] In an optional implementation, the target user identity information data includes at least one of name, age, gender, and ID number; the target bank device data for the target user to conduct business includes at least one of the current device number of the device and time information; the business information data includes at least one of the code of the current business and the key transaction information of the business; and the business result receipt information data includes at least one of the unique identification number of the receipt and the receipt printing time.
[0011] In an optional implementation, the SM3 cryptographic hash algorithm is used to calculate the hash information of each business according to the target user identity information data, the target bank device data for the target user to conduct business, the business information data, the business result receipt information data, and the time stamp information of the current device, including:
[0012] After the target bank conducts the first business for the target user, the SM3 cryptographic hash algorithm is used to calculate the hash information of the first business according to the target user identity information data, the target bank device data for the target user to conduct business, the business information data, the business result receipt information data, and the time stamp information of the current device.
[0013] After the target bank conducts the second business for the target user, the SM3 cryptographic hash algorithm is used to calculate the hash information of the second business according to the hash information of the first business, the target user identity information data, the target bank device data for the target user to conduct business, the business information data, the business result receipt information data, and the time stamp information of the current device.
[0014] Similarly, after the target bank conducts the Nth business for the target user, the SM3 cryptographic hash algorithm is used to calculate the hash information of the Nth business according to the hash information of the (N-1) th business, the target user identity information data, the target bank device data for the target user to conduct business, the business information data, the business result receipt information data, and the time stamp information of the current device.
[0015] In an optional implementation, the SM3 cryptographic hash algorithm is used to calculate the hash information of the target bank's nationwide business on the same day, which constitutes the entire target bank business blockchain data, including:
[0016] The SM3 cryptographic hash algorithm is used to fuse and calculate the hash information of all devices under the current mechanism to obtain the mechanism hash information.
[0017] The SM3 cryptographic hash algorithm is used to fuse and calculate all mechanism hash information to obtain the province hash information.
[0018] The SM3 cryptographic hash algorithm is used to fuse and calculate all province hash information and the previous day's national business hash information to obtain the national business hash information of the target bank on the day, which is used to constitute the blockchain data of the entire target bank business.
[0019] Corresponding to the above-mentioned bank business tamper-proof and anti-repudiation method, the application provides a bank business tamper-proof and anti-repudiation device, comprising:
[0020] The acquisition unit is configured to acquire business-related data generated when the target bank handles N pieces of business for a target user; the business-related data includes target user identity information data, device data of the target bank handling business for the target user, business handling information data, and business result receipt information data; N is a positive integer greater than 0.
[0021] The first calculation unit is configured to calculate the relevant hash information of each piece of business by using the SM3 cryptographic hash algorithm according to the target user identity information data, the device data of the target bank handling business for the target user, the business handling information data, the business result receipt information data, and the time stamp information of the current device.
[0022] The second calculation unit is configured to comprehensively calculate the relevant hash value information of the N pieces of business by using the SM3 cryptographic hash algorithm to obtain the business hash information of the business handled by the current device on the day.
[0023] The third calculation unit is configured to calculate the national business hash information of the target bank on the day by using the SM3 cryptographic hash algorithm, which is used to constitute the blockchain data of the entire target bank business.
[0024] In an optional implementation, the target user identity information data includes at least one of name, age, gender, and ID number; the device data of the target bank handling business for the target user includes at least one of the current device number and time information of the device; the business handling information data includes at least one of the code of the currently handled business and the key transaction information of the business handling; and the business result receipt information data includes at least one of the unique identification number of the receipt and the receipt printing time.
[0025] In an optional implementation, the first calculation unit includes:
[0026] The first computing subunit is configured to, after the target bank handles the first transaction for the target user, calculate the relevant hash information of the first transaction by using an SM3 cryptographic hash algorithm according to the target user identity information data, the device data of the target bank for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the time stamp information of the current device.
[0027] The second computing subunit is configured to, after the target bank handles the second transaction for the target user, calculate the relevant hash information of the second transaction by using an SM3 cryptographic hash algorithm according to the relevant hash information of the first transaction, the target user identity information data, the device data of the target bank for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the time stamp information of the current device.
[0028] The third computing subunit is configured to, by analogy, after the target bank handles the Nth transaction for the target user, calculate the relevant hash information of the Nth transaction by using an SM3 cryptographic hash algorithm according to the relevant hash information of the (N-1)th transaction, the target user identity information data, the device data of the target bank for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the time stamp information of the current device.
[0029] In an optional implementation, the third computing unit comprises:
[0030] The fourth computing subunit is configured to fuse and calculate the hash information of all devices under the current institution by using an SM3 cryptographic hash algorithm to obtain institution hash information.
[0031] The fifth computing subunit is configured to fuse and calculate all institution hash information by using an SM3 cryptographic hash algorithm to obtain province hash information.
[0032] The sixth computing subunit is configured to fuse and calculate all province hash information and the previous day's national transaction hash information by using an SM3 cryptographic hash algorithm to obtain the national transaction hash information of the target bank on the current day, which is used to constitute the block chain data of the entire target bank transaction handling.
[0033] The embodiments of the application further provide a bank transaction tamper-proof and anti-repudiation device, comprising a processor, a memory, and a system bus.
[0034] The processor and the memory are connected through the system bus.
[0035] The memory is configured to store one or more programs, the one or more programs including instructions that, when executed by the processor, cause the processor to perform any one of the above anti-tampering and anti-repudiation methods for bank business.
[0036] The embodiment of the present application also provides a computer readable storage medium, wherein instructions are stored in the computer readable storage medium, and when the instructions run on a terminal device, the terminal device executes any one of the above anti-tampering and anti-repudiation methods for bank business.
[0037] Therefore, the embodiment of the present application has the following beneficial effects:
[0038] The embodiment of the present application provides an anti-tampering and anti-repudiation method, device and equipment for bank business. First, business-related data generated when a target bank handles N pieces of business for a target user is acquired. The business-related data includes target user identity information data, device data of the target bank handling business for the target user, business handling information data, and business result receipt information data. N is a positive integer greater than 0. Then, according to the target user identity information data, the device data of the target bank handling business for the target user, the business handling information data, the business result receipt information data and the time stamp information of the current device, the SM3 cryptographic hash algorithm is used to calculate the related hash information of each piece of business. Next, the SM3 cryptographic hash algorithm is used to comprehensively calculate the related hash information of the N pieces of business to obtain the business hash information of the business handled by the current device in one day. In this way, the SM3 cryptographic hash algorithm is used to calculate the national business hash information of the target bank on the same day to constitute the block chain data of the entire target bank business handling. Thus, the authenticity, non-tamperability and anti-repudiation of the information of the target bank business handling are ensured. BRIEF DESCRIPTION OF DRAWINGS
[0039] In order to more clearly illustrate the technical solutions of the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or prior art description. Obviously, the drawings in the following description are some embodiments of the present application, and those skilled in the art can also obtain other drawings according to these drawings without creative labor.
[0040] Figure 1 A flowchart of an anti-tampering and anti-repudiation method for bank business provided by the embodiment of the present application is shown in the figure.
[0041] Figure 2 A whole process diagram of implementing anti-tampering and anti-repudiation of bank business based on SM3 provided by the embodiment of the present application is shown in the figure.
[0042] Figure 3A smart contract computing process diagram of a service of a device provided for an embodiment of the present application;
[0043] Figure 4 An agency, province and nationwide smart contract computing process diagram provided for an embodiment of the present application;
[0044] Figure 5 A composition schematic diagram of a bank business tamper-proof and anti-repudiation device provided for an embodiment of the present application. DETAILED DESCRIPTION
[0045] To make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are some of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative labor fall within the scope of protection of the present application.
[0046] At present, in the process of bank business, some customers occasionally refuse to admit the relevant business they handle (including the business handled by the customers and the key information generated in the process of business handling, for example, the business handled is depositing 200,000 yuan, and the business handling information is depositing and 200,000 yuan), and deny the relevant business with the reasons of not knowing and not understanding. In essence, it is still because paper certificates are easy to tamper with and easy to lose. Electronic signature lacks part of the trusted proof, which makes it difficult for the bank to prove the authenticity of the business, and causes legal disputes.
[0047] Blockchain technology gradually applies to the financial field due to its characteristics of decentralization, non-tamperability and transparency and traceability. Although the traditional hash algorithm (such as SHA-256) can generate data digest, its international standard attribute conflicts with the requirement of independent controllability of China's financial security; and the existing blockchain storage scheme is mostly based on public chain, which has problems such as high transaction delay and insufficient compliance, and is difficult to meet the real-time and supervision and management requirements of the financial level. More importantly, the existing technical solutions do not combine with customer-related information and other contents, which leads to the challenges of complex verification process and low efficiency of judicial agencies in evidence verification. This contradiction is more prominent in the background of accelerating digital transformation, and it is urgent to realize the systematic upgrading of business anti-repudiation ability through technological innovation.
[0048] Based on this, in order to solve the above problems existing in the prior art, the application provides a bank business anti-tampering and anti-repudiation method, device and equipment, which performs hash algorithm operation through SM3, combines customer identity information, device information, business handling information, business result receipt information and other information, and forms an intelligent contract after business handling, realizes the on-chain of customer business handling information, and ensures the authenticity and non-tamperability of the business handling information.
[0049] The bank business anti-tampering and anti-repudiation method provided by the embodiments of the application will be described in detail below with reference to the accompanying drawings. Referring to Figure 1 The bank business anti-tampering and anti-repudiation method provided by the embodiments of the application will be described in detail below with reference to the accompanying drawings. Referring to
[0050] S101: Obtain business related data generated when the target bank handles N pieces of business for the target user; wherein the business related data includes target user identity information data, device data of the target bank handling business for the target user, business handling information data, and business result receipt information data; N is a positive integer greater than 0.
[0051] In this embodiment, any bank that adopts the business anti-tampering and anti-repudiation method provided by the application is defined as the target bank, in order to improve the business anti-tampering and anti-repudiation effect, first, the target bank needs to obtain business related data generated when the target bank handles N pieces of business for the target user under the permission of the target user; wherein the business related data includes target user identity information data, device data of the target bank handling business for the target user, business handling information data, and business result receipt information data, as shown in Figure 2 to execute the subsequent step S102.
[0052] Among them, for the business handled by the target bank for the target user, the device data of the currently handled business can be obtained, the specific content is not limited, can include but not limited to at least one of the current device number, time information and other related data of the device, and these data can be uniformly summarized as B={B1, B2, B3...Bn}. Wherein Bn represents, for example, the current device data such as device number.
[0053] After the target bank handles business for the target user, target user identity information data, business handling information data, and business result receipt information data are formed.
[0054] The specific content of the target user identity information data is not limited, and can include but is not limited to at least one of the data such as name, age, gender, and ID number. These data can be summarized as A={A1, A2, A3... An}. Where An represents the current target user identity information data such as name.
[0055] The specific content of the business handling information data is not limited, and can include but is not limited to at least one of the corresponding business data of the key transaction information of the business handled by the current target user, and these data can be summarized as C={C1, C2, C3... Cn}. Where Cn represents the current business handling information data such as the business handled.
[0056] In addition, the specific content of the business result receipt information data is not limited, and contains the receipt information of the related business handled by the current customer, which can include but is not limited to at least one of the information such as the unique identification number of the receipt and the receipt printing time. These data can be summarized as D={D1, D2, D3... Dn}. Where Dn represents the current business result receipt information data such as the receipt printing time.
[0057] S102: According to the target user identity information data, the device data of the target bank for the target user to handle the business, the business handling information data, the business result receipt information data and the time stamp information of the current device, the SM3 password hash algorithm is used to calculate the related hash information of each business.
[0058] In this embodiment, when a business is handled, the operation of the related smart contract is automatically triggered. The specific process is as shown in Figure 3
[0059] Wherein, after the target bank handles the first business for the target user, the target user identity information data, the device data of the target bank for the target user to handle the business, the business handling information data, the business result receipt information data and the time stamp information of the current device can be used to calculate the related hash information of the first business by using the SM3 algorithm; the SM3 algorithm is a cryptographic hash function (hash algorithm), which is widely used in message verification, data integrity verification and other fields.
[0060] After the target bank handles the second business for the target user, the related hash information of the first business, the target user identity information data, the device data of the target bank for the target user to handle the business, the business handling information data, the business result receipt information data and the time stamp information of the current device are used to calculate the related hash value of the second business by using the SM3 algorithm;
[0061] Similarly, after the target bank handles the Nth service for the target user, the related hash information of the Nth service can be calculated according to the related hash information of the (N-1)th service, the target user identity information data, the device data of the target bank handling the service for the target user, the service handling information data, the service result receipt information data, and the time stamp information of the current device, by using the SM3 algorithm.
[0062] S103: The related hash information of N services is comprehensively calculated by using the SM3 cryptographic hash algorithm to obtain the service hash information of the services handled by the current device in one day.
[0063] In this embodiment, after the related hash information of each service is calculated by step S102, the related hash information of N services is further comprehensively calculated by using the SM3 algorithm to obtain the service hash information of the services handled by the current device in one day, which is denoted as Device1, as shown in the following formula. Figure 3
[0064] S104: Similarly, the national service hash information of the target bank on the same day is calculated by using the SM3 cryptographic hash algorithm, to constitute the block chain data of the services handled by the target bank.
[0065] In this embodiment, after the service hash information Device1 of the services handled by the current device in one day is calculated by step S103, the intelligent contract calculation of the related subsequent institutions, provinces, and the whole country is automatically triggered when the services handled by the current device in one day are completed, the national service hash information of the target bank on the same day is calculated by using the SM3 cryptographic hash algorithm, to constitute the block chain data of the services handled by the target bank, and the implementation process is as shown in the following formula. Figure 4
[0066] Specifically, first, the hash information of all devices under the current institution {Device1, Device2... Device n} is fused and calculated by using the SM3 algorithm to obtain the institution hash information denoted as Org1; then, the hash information of all institutions {Org1, Org2... Org n} is fused and calculated by using the SM3 algorithm to obtain the province hash information denoted as Prov1; then, the hash information of all provinces {Prov1, Prov2... Prov n} and the national service hash information of the previous day (denoted as Total t-1 ) is fused and calculated by using the SM3 algorithm to obtain the national service hash information of the target bank on the same day (denoted as Total t to constitute the entire target bank business blockchain data.
[0067] In addition, all business hash information is calculated on the bank device, without occupying server resources. The server only calculates the organizational hash information, the provincial hash information and the nationwide business hash information, greatly reducing the server computing resource consumption and significantly improving the smart contract computing efficiency.
[0068] In this way, the bank business tamper-proof and anti-repudiation scheme realized by executing the above steps S101-S104 can achieve the following two beneficial effects:
[0069] (1) The anti-repudiation ability of the bank business can be effectively enhanced. When the customer disputes the business handling result, only the relevant data of the current business handling needs to be extracted again, and through simple hash operation, it can be known whether the customer is tampered with in the device, organization, province and other dimensions.
[0070] (2) The result can be effectively prevented from being tampered with. When someone tries to tamper with the relevant result to seek profit, it needs to calculate all the full-amount data in multiple dimensions synchronously and update the full-amount database to ensure the result is correct. From the cost point of view, it is difficult to achieve.
[0071] In summary, the bank business tamper-proof and anti-repudiation method provided by the embodiment first acquires business-related data generated when a target bank handles N pieces of business for a target user; wherein the business-related data includes target user identity information data, device data of the target bank handling business for the target user, business handling information data, and business result receipt information data; N is a positive integer greater than 0; then, according to the target user identity information data, the device data of the target bank handling business for the target user, the business handling information data, the business result receipt information data and the time stamp information of the current device, the SM3 password hash algorithm is used to calculate the related hash information of each piece of business; then, the SM3 password hash algorithm is used to comprehensively calculate the related hash information of N pieces of business to obtain the business hash information of the business handled by the current device in one day; in this way, the SM3 password hash algorithm is used to calculate the nationwide business hash information of the target bank on the same day, to constitute the entire target bank business blockchain data. Thus, the authenticity, non-tamperability and anti-repudiation of the information of the target bank business handling are ensured.
[0072] Referring to Figure 5 The application also provides a bank business tamper-proof and anti-repudiation device embodiment, which can include:
[0073] The acquisition unit 501 is configured to acquire service-related data generated when a target bank handles N pieces of service for a target user; the service-related data includes target user identity information data, device data of the target bank handling service for the target user, service handling information data, and service result receipt information data; N is a positive integer greater than 0;
[0074] The first calculation unit 502 is configured to calculate, by using an SM3 cryptographic hash algorithm, related hash information of each piece of service according to the target user identity information data, the device data of the target bank handling service for the target user, the service handling information data, the service result receipt information data, and time stamp information of a current device.
[0075] The second calculation unit 503 is configured to comprehensively calculate, by using the SM3 cryptographic hash algorithm, the related hash value information of the N pieces of service to obtain service hash information of service handled by the current device in one day.
[0076] The third calculation unit 504 is configured to calculate, by using the SM3 cryptographic hash algorithm, nationwide service hash information of the target bank on the same day, to constitute block chain data of the entire service handling of the target bank.
[0077] In some possible implementation manners of the present application, the target user identity information data includes at least one of a name, an age, a gender, and an ID number; the device data of the target bank handling service for the target user includes at least one of a current device number and time information of the device; the service handling information data includes at least one of a code of the currently handled service and key transaction information of service handling; and the service result receipt information data includes at least one of a unique identification number of a receipt and receipt printing time.
[0078] In some possible implementation manners of the present application, the first calculation unit 502 includes:
[0079] The first calculation subunit is configured to calculate, by using the SM3 cryptographic hash algorithm, related hash information of the first piece of service according to the target user identity information data, the device data of the target bank handling service for the target user, the service handling information data, the service result receipt information data, and time stamp information of a current device after the target bank handles the first piece of service for the target user.
[0080] The second computing subunit is configured to, after the target bank finishes handling the second service for the target user, calculate the relevant hash information of the second service according to the relevant hash information of the first service, the target user identity information data, the device data of the target bank handling the service for the target user, the service handling information data, the service result receipt information data and the time stamp information of the current device by using the SM3 cryptographic hash algorithm.
[0081] The third computing subunit is configured to, by analogy, after the target bank finishes handling the Nth service for the target user, calculate the relevant hash information of the Nth service according to the relevant hash information of the (N-1)th service, the target user identity information data, the device data of the target bank handling the service for the target user, the service handling information data, the service result receipt information data and the time stamp information of the current device by using the SM3 cryptographic hash algorithm.
[0082] In some possible implementation manners of the present application, the third computing unit 501 comprises:
[0083] The fourth computing subunit is configured to fuse and calculate the hash information of all devices under the current institution by using the SM3 cryptographic hash algorithm to obtain the institution hash information.
[0084] The fifth computing subunit is configured to fuse and calculate all institution hash information by using the SM3 cryptographic hash algorithm to obtain the province hash information.
[0085] The sixth computing subunit is configured to fuse and calculate all province hash information and the national service hash information of the previous day by using the SM3 cryptographic hash algorithm to obtain the national service hash information of the target bank on the day, which is used to constitute the block chain data of the entire target bank service handling.
[0086] As can be seen from the above embodiments, the bank business anti-tampering and anti-repudiation device provided by the embodiments of the present application first acquires service-related data generated when a target bank handles N pieces of service for a target user; wherein the service-related data includes target user identity information data, device data of the target bank handling service for the target user, service handling information data, and service result receipt information data; N is a positive integer greater than 0; then, according to the target user identity information data, the device data of the target bank handling service for the target user, the service handling information data, the service result receipt information data, and the time stamp information of the current device, the SM3 cryptographic hash algorithm is used to calculate the related hash information of each piece of service; then, the SM3 cryptographic hash algorithm is used to comprehensively calculate the related hash information of the N pieces of service to obtain the service hash information of the service handled by the current device in one day; in this way, the SM3 cryptographic hash algorithm is used to calculate the national service hash information of the target bank on the same day to constitute the block chain data of the entire target bank service handling. Thus, the authenticity, the non-tamperability, and the anti-repudiation of the information of the target bank service handling are ensured.
[0087] Further, the embodiments of the present application further provide a bank business anti-tampering and anti-repudiation device, comprising: a processor, a memory, and a system bus;
[0088] The processor and the memory are connected through the system bus;
[0089] The memory is used to store one or more programs, the one or more programs include instructions, the instructions, when executed by the processor, make the processor execute any one of the implementation methods of the above-mentioned bank business anti-tampering and anti-repudiation method.
[0090] Further, the embodiments of the present application further provide a computer readable storage medium, the computer readable storage medium stores instructions, when the instructions run on a terminal device, make the terminal device execute any one of the implementation methods of the above-mentioned bank business anti-tampering and anti-repudiation method.
[0091] From the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps of the above-mentioned embodiment methods can be implemented by means of software plus necessary general hardware platforms. Based on such understanding, the technical solutions of the present application can be embodied in the form of a software product, which can be stored in a storage medium, such as a ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions to make a computer device (which can be a personal computer, a server, or a network communication device such as a media gateway, etc.) execute the methods described in the various embodiments or some parts of the embodiments of the present application.
[0092] It should be noted that the various embodiments described herein are described in progressive order of complexity where appropriate. Therefore, features and concepts described in one or more embodiments should be understood to be applicable to other embodiments as well, unless explicitly described otherwise.
[0093] It should also be noted that, as used in the specification and in the claims, the article "a", "an", or "the" are intended to not be limiting, but are intended to mean "one or more". It will be further noted that the various links described herein can be coupled together in different ways, sizing, and / or order, depending in part on specific implementation needs and preferences, and alternatives having the same or similar function would be understood to be within the scope of the application. Furthermore, expressions such as "at least one of X, Y and Z" when preceding a list of two or more members, are comprehended to refer to alternatives such as "X," "Y," "Z," "two of X, Y and Z," "three of X, Y and Z," "at least one of X and Y," "at least one of X or Y," and so on, and not merely "each member of the list." Also, the term "based on" is not exclusive, and allows for being based on additional factors not specified. In addition, terminology of "one implementation" or "an implementation" or "some implementations" throughout is used to indicate an example of an implementation, and is not intended to imply that this is the only implementation, unless explicitly stated otherwise.
[0094] The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and generic principles defined herein can be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims
1. A method for preventing tampering and non-repudiation in banking operations, characterized in that, include: Obtain business-related data generated when the target bank processes N transactions for the target user; The business-related data includes the target user's identity information data, the target bank's equipment data for handling business with the target user, business processing information data, and business result receipt information data; N is a positive integer greater than 0. Based on the target user's identity information data, the target bank's equipment data for handling business for the target user, business handling information data, business result receipt information data, and the current device's timestamp information, the relevant hash information for each business is calculated using the SM3 cryptographic hash algorithm. Using the SM3 cryptographic hash algorithm, the relevant hash information of the N transactions is comprehensively calculated to obtain the transaction hash information of the transactions processed by the device in one day. Similarly, using the SM3 cryptographic hash algorithm, the nationwide business hash information of the target bank on that day is calculated to form the blockchain data of the entire target bank's business transactions.
2. The method according to claim 1, characterized in that, The target user identity information data includes at least one of name, age, gender, and ID number; the target bank's equipment data for handling business for the target user includes at least one of the current device number and time information; the business processing information data includes at least one of the code of the currently processed business and key transaction information of the business processing; the business result receipt information data includes at least one of the unique identifier number of the receipt and the receipt printing time.
3. The method according to claim 1, characterized in that, The method involves calculating the relevant hash information for each transaction using the SM3 cryptographic hash algorithm, based on the target user's identity information, the target bank's device data for processing the transaction, the transaction processing information, the transaction result receipt information, and the current device's timestamp information. This includes: After the target bank completes the first transaction for the target user, based on the target user's identity information data, the target bank's device data for processing the transaction, the transaction processing information data, the transaction result receipt information data, and the current device's timestamp information, the relevant hash information of the first transaction is calculated using the SM3 cryptographic hash algorithm. After the target bank completes the second transaction for the target user, the relevant hash value of the second transaction is calculated using the SM3 cryptographic hash algorithm based on the relevant hash information of the first transaction, the target user's identity information data, the target bank's device data for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the current device's timestamp information. Similarly, after the target bank completes the Nth transaction for the target user, based on the relevant hash information of the (N-1)th transaction, the target user's identity information data, the target bank's device data for processing the transaction, the transaction processing information data, the transaction result receipt information data, and the current device's timestamp information, the relevant hash information of the Nth transaction is calculated using the SM3 cryptographic hash algorithm.
4. The method according to any one of claims 1-3, characterized in that, The method utilizes the SM3 cryptographic hash algorithm to calculate the nationwide business hash information of the target bank on that day, which is then used to construct the blockchain data for the entire target bank's business transactions, including: The SM3 cryptographic hash algorithm is used to fuse and calculate the hash information of all devices under the current organization to obtain the organization's hash information; The hash information of all institutions is fused and calculated using the SM3 cryptographic hash algorithm to obtain the hash information of the province. Using the SM3 cryptographic hash algorithm, the hash information of all provinces and the national business hash information of the previous day are fused and calculated to obtain the national business hash information of the target bank on that day, which is used to constitute the blockchain data of the entire target bank's business transactions.
5. A tamper-proof and non-repudiation device for banking operations, characterized in that, include: The acquisition unit is used to acquire business-related data generated when the target bank handles N transactions for the target user. The business-related data includes the target user's identity information data, the target bank's equipment data for handling business with the target user, business processing information data, and business result receipt information data; N is a positive integer greater than 0. The first calculation unit is used to calculate the relevant hash information of each transaction based on the target user identity information data, the target bank's equipment data for handling business for the target user, business handling information data, business result receipt information data, and the current device's timestamp information, using the SM3 cryptographic hash algorithm. The second calculation unit is used to perform comprehensive calculation on the relevant hash value information of the N services using the SM3 cryptographic hash algorithm to obtain the service hash information of the services handled by the current device in one day. The third calculation unit is used to calculate the nationwide business hash information of the target bank on that day using the SM3 cryptographic hash algorithm, and to construct the blockchain data of the entire target bank's business transactions.
6. The apparatus according to claim 5, characterized in that, The target user identity information data includes at least one of name, age, gender, and ID number; the target bank's equipment data for handling business for the target user includes at least one of the current device number and time information; the business processing information data includes at least one of the code of the currently processed business and key transaction information of the business processing; the business result receipt information data includes at least one of the unique identifier number of the receipt and the receipt printing time.
7. The apparatus according to claim 5, characterized in that, The first computing unit includes: The first calculation subunit is used to calculate the relevant hash information of the first transaction based on the target user's identity information data, the target bank's device data for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the current device's timestamp information, using the SM3 cryptographic hash algorithm. The second calculation subunit is used to calculate the relevant hash information of the second transaction based on the relevant hash information of the first transaction, the target user's identity information data, the target bank's device data for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the current device's timestamp information, using the SM3 cryptographic hash algorithm. The third calculation subunit is used to calculate the relevant hash information of the Nth transaction based on the relevant hash information of the N-1th transaction, the target user's identity information data, the target bank's equipment data for handling the transaction for the target user, the transaction handling information data, the transaction result receipt information data, and the current device's timestamp information, using the SM3 cryptographic hash algorithm.
8. The apparatus according to any one of claims 5-7, characterized in that, The third computing unit includes: The fourth calculation subunit is used to perform fusion calculation on the hash information of all devices under the current organization using the SM3 cryptographic hash algorithm to obtain the organization's hash information; The fifth calculation subunit is used to perform fusion calculation on the hash information of all institutions using the SM3 cryptographic hash algorithm to obtain the hash information of the province; The sixth calculation subunit is used to use the SM3 cryptographic hash algorithm to fuse the hash information of all provinces and the national business hash information of the previous day to obtain the national business hash information of the target bank on the current day, which is used to constitute the blockchain data of the entire target bank's business processing.
9. A tamper-proof and non-repudiation device for banking operations, characterized in that, include: Processor, memory, system bus; The processor and the memory are connected via the system bus; The memory is used to store one or more programs, the one or more programs including instructions that, when executed by the processor, cause the processor to perform the method according to any one of claims 1-4.
10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores instructions that, when executed on a terminal device, cause the terminal device to perform the method described in any one of claims 1-4.